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What does year one really cost?

Price out the first 12 months — childcare, diapers, feeding, gear, and medical — before the stork lands.

Childcare

01 / CARE
$

First-year costs

02 / COSTS
$
$
$
$
$
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Count the cost before the crib.

Pick a childcare arrangement, enter your monthly and one-time costs, and see the first-year total.

Last reviewed: October 2026.

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Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.