Family & personal life calculators & tools

Family budgets deserve the same honesty as business budgets. These calculators give parents real numbers for the expensive years: what the first year with a baby truly costs — from medical and nursery to diapers and childcare — and what full-time childcare adds to your monthly and yearly spending.

Costs vary enormously by country, insurance and whether grandparents help, so every figure is adjustable and every result is a planning estimate. Use them early: the biggest surprises in parenting budgets are the recurring costs, not the nursery furniture.