How much do kids cost?

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How Much Does a Child Cost?

Explore the estimated cost of raising a child with interactive family spending scenarios, inflation, and optional college savings.

Interactive family planning modes Try budget, balanced, or premium child-cost scenarios and see the long-term impact year by year.
Inflation + savings view included

Scenario Inputs

This tool provides illustrative estimates only. Actual costs vary widely by location, lifestyle, childcare needs, healthcare, education choices, and inflation.

Child Cost Snapshot

Estimated Current Annual Cost
$0
Based on current monthly inputs
Projected Total Cost
$0
Through the selected age
Average Monthly Cost
$0
Across the projection period
Projected College Savings
$0
If saved monthly
Year-by-Year Cost Growth
Current Cost Mix
Highest Category Today
$0
Final Year Cost
$0
Projection Years
0

Amortization-Style Cost Calendar

Year Child Age Annual Core Costs Annual College Savings Total Annual Outflow Cumulative Cost College Fund Balance
Annual core costs are inflated each year using the inflation rate you choose. College savings assumes consistent monthly contributions and compound growth at the selected savings return.

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