Sam · What-If StrategistWhat if I had a baby?
A new arrival changes the budget in two directions: new costs and, often, a dip in income. See the effect on your savings.
Free to start · iOS & Android
The real cost of growing your family
A baby adds recurring costs and frequently a temporary income drop during leave. Together those reshape how much you set aside. Seeing the number ahead of time turns a stressful surprise into something you can plan a buffer for.
Questions people ask
How much does a baby cost financially?
Beyond one-off setup costs, the ongoing monthly impact — childcare, food, gear, plus any income reduction during leave — is what reshapes your savings. The calculator focuses on that monthly swing over time.
Should I save before having a baby?
Building a buffer beforehand smooths the transition, especially if income dips during leave. Seeing the projected gap helps you decide how much cushion to aim for.
Does this include one-time costs?
It focuses on the recurring monthly impact, which dominates over years. You can fold a one-off cost into the monthly figure or add your full picture in the Richify app.
Related what-ifs
See it on your real money
Track your net worth, then ask Sam any “what if.” Free to start, on iOS and Android.
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