Baby savings calculator
Put in what you expect the first year to cost up front and your due date. It shows the weekly, monthly, or per-paycheck amount to have that set aside before the baby is here.
Enter an amount and a future date to see how much to save.
Rough example: $5,000 over about 7 months is around $714/month, $164/week, or $329 per paycheck. Enter your own amount and date above for your number.
What to add up
Focus on the one-time and upfront costs: the crib, car seat, stroller, and other gear; a stock of newborn clothing and diapers; hospital or birth-center out-of-pocket costs; and any nursery changes at home. Leave out ongoing monthly costs like childcare — those come out of future income, not this fund.
Working back from the due date
Set your target date a few weeks before the due date so the money is in place while you're settling in, not something to think about afterward. Borrowed or hand-me-down gear lowers the number — adjust the goal down as friends and family offer things.
Common questions
- How much should I save each month before the baby comes?
- Divide your upfront baby costs by the months until your due date. $4,000 over eight months is $500 a month. Enter your own figure above for the weekly and per-paycheck amounts.
- What does this calculator not cover?
- Ongoing costs like childcare, formula, and diapers month after month, plus any income change during parental leave. Those belong in your regular budget, not a one-time savings goal.
- When should we start saving?
- As early in the pregnancy as you can. Starting at eight months out instead of four roughly halves the weekly amount.
Saving for more than one thing?
The full planner keeps every goal in one place, tracks progress with a visual tracker, and lets you shift a target date and see the new amount instantly. Still free, still private, still stored only on your device.
Open the full planner