Baby Cost Calculator — First Year Expenses
Get an itemised estimate of what it costs to raise a baby through the first year. From pram and cot to nappies, childcare, and clothing — plus the income impact of parental leave — so you can plan your finances before the birth.
✓ Tax-Free Childcare applied — government tops up 20% of childcare costs (up to £500/quarter)
| Year | Childcare | Food | Clothing | Equipment | Total |
|---|---|---|---|---|---|
| Age 0 | £11,520 | £1,800 | £1,200 | £3,600 | £18,720 |
| Age 1 | £10,560 | £1,440 | £960 | £1,200 | £14,760 |
| Age 2 | £10,560 | £1,200 | £960 | £720 | £14,040 |
| Age 3(15h free) | £6,600 | £960 | £840 | £600 | £9,600 |
| Age 4(30h free) | £3,600 | £720 | £840 | £600 | £6,360 |
| Age 5(school) | £0 | £480 | £840 | £480 | £2,400 |
Total First 5 Years
£63,480
~£1,058/month average
Government Support Available
- • 15 free hours childcare for all 3–4 year olds (term time)
- • 30 free hours if both parents work 16+ hours/week
- • Tax-Free Childcare: government adds £2 for every £8 you pay (up to £500/quarter)
- • Universal Credit: up to 85% of childcare costs covered if eligible