familypennysaver

Money help for expecting and new parents

A baby changes everything. Your budget can keep up.

Friendly, plain-English guides to the money side of a new baby: birth bills, parental leave, diapers, feeding, childcare and the help you may not know you qualify for. No judgment, no brand deals.

Estimate your first year What gear do we need?

A first year, month by month

  1. Month 1: Birth bills, car seat and sleep space
  2. Month 2
  3. Month 3
  4. Month 4
  5. Month 5
  6. Month 6: High chair, bigger clothes
  7. Month 7
  8. Month 8
  9. Month 9: Baby gates before crawling
  10. Month 10
  11. Month 11
  12. Month 12: Convertible car seat
  • Month 1 Birth bills, car seat and a safe sleep space
  • Months 6 to 12 High chair, gates and a bigger car seat
  • Every month Diapers, feeding and, for many families, childcare
An illustrative shape, not your numbers. The calculator works out yours.

Start with one of these

CalculatorFirst-year costsOne-time, monthly, and what to save before the due date. ListNeed it, wait, or skipThe gear you really need, and what's fine secondhand. ChecklistThe Baby Budget checklistEvery money step, before and after the birth.

15 friendly guides

Before baby

Gear, diapers and feeding

Childcare and the toddler years

Benefits and help

Free download, no email needed

The Baby Budget Planner

First-year costs, a save-before-baby plan, a leave budget, a gear list and a childcare comparison, on printable pages you can fill in together.

Get the free PDFSee the Baby Budget checklist

Coming soon

The money side of the first year, in eight short lessons

First-Year Money Course: short videos with worksheets you can watch during naps, covering birth bills, leave, childcare, benefits and a budget that fits your new life.

$24 once, not a subscription. 30-day refund.

See the lessons