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What does 18 years really cost?

Enter what you spend per year today, add inflation, and project the full cost to age 18.

Your child

01 / BASICS
%

Annual costs today

02 / COSTS
$
$
$
$
$
$
$
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Eighteen years, one number.

Enter your child’s age and annual costs by category, then project the total to 18.

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.