Family & care
Baby budget calculator (first year)
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Estimates one-off baby equipment and the first year of recurring costs — nappies, feeding and childcare — plus the income gap while on maternity leave.
Plan one-off kit costs and the first year of recurring baby spending. Adjust every figure to match your choices — this uses typical UK mid-range prices, not luxury brands.
One-off costs
Monthly costs
Income change
- First-year baby costs (excl. childcare if £0)
- £2,140
- Monthly recurring
- £80.00
- Income shortfall on leave (estimate)
- £3,603
| One-off equipment total | £1,180 |
|---|---|
| 12 months recurring | £960 |
| Estimated first-year total | £2,140 |
How it works
- Adjust default one-off kit costs (cot, pram, car seat, etc.).
- Enter monthly nappies, formula and childcare.
- Add your expected pay drop during leave to see total first-year pressure on finances.
Common questions
- How much does a baby cost in the first year?
- Excluding childcare, many UK households spend £2,000–£4,000 in year one. Childcare can add £6,000–£15,000+ depending on region.
- Do I need everything on the list?
- No — many items are borrowed, bought second-hand or skipped. Adjust every line to your plan.
- What about parental leave pay?
- Shared Parental Leave lets eligible couples split leave. Check employer enhanced schemes too.