Parenting & family tools

Free calculators for the cost of raising a family — childcare, cost of a child by year, education savings, and life-insurance needs. Every tool shows real numbers.

23 resources

Calculator 529 College Savings Goal Calculator Project the future cost of college with education inflation and find the monthly 529 contribution needed to fully fund it. Open → Calculator Adoption Cost Calculator Add up the full cost of adoption across agency, legal, travel, and home-study fees, then apply the federal adoption tax credit. Open → Calculator Annual Child Cost by Age Calculator See how a child costs different amounts at each age, from infancy through the teen years, using age-band multipliers. Open → Calculator Baby First-Year Cost Calculator Add up the real cost of a baby's first year, separating one-time gear and medical bills from recurring monthly expenses. Open → Calculator Back-to-School Budget Calculator Total your back-to-school spending across supplies, clothes, shoes, and tech for every child in the household. Open → Calculator Braces & Orthodontics Cost Calculator Calculate your out-of-pocket cost for braces after insurance, and the monthly payment on a financed balance. Open → Calculator Child Tax Credit Estimate Calculator Estimate your Child Tax Credit based on the number of qualifying children and your income phase-out. Open → Calculator Cost of a Second Child Calculator Estimate the marginal cost of a second child after economies of scale from shared housing, gear, and household expenses. Open → Calculator Cost of Raising a Child to 18 Calculator Estimate the total cost of raising a child from their current age to 18, with inflation applied year over year. Open → Calculator Daycare vs Nanny Cost Calculator Compare the real monthly cost of daycare versus a nanny for your family and see which option is cheaper. Open → Calculator Family Emergency Fund Calculator Find your family's emergency-fund target in months of essential expenses, and how long it takes to reach it. Open → Calculator Kids' Activities & Sports Budget Calculator Add up the real annual cost of youth sports and activities, including registration, gear, monthly fees, and travel. Open → Calculator Kids' Allowance Planner Calculator Plan a weekly allowance, see the annual household cost, and project how much your child saves with a save-first rule. Open → Calculator Kids' Birthday Party Cost Calculator Estimate the total cost of a children's birthday party by combining per-guest costs with fixed venue and entertainment expenses. Open → Calculator Life Insurance Needs Calculator (DIME Method) Estimate how much life insurance your family needs using the DIME method: Debt, Income, Mortgage, and Education. Open → Calculator Monthly College Savings Needed Calculator Given a college savings target and your current balance, find the monthly deposit needed to close the gap. Open → Calculator Stay-at-Home Parent Value Calculator Estimate the market-replacement value of a stay-at-home parent by pricing childcare, housework, and other unpaid labor. Open → Calculator Summer Camp Cost Calculator Total the cost of summer camp across weeks and children, including registration and weekly extras. Open → Calculator Teen Driver Insurance Impact Calculator Estimate how much adding a teenage driver raises your auto premium, and how a good-student discount softens the hit. Open → Calculator Tutoring Budget Calculator Calculate the total and monthly cost of private tutoring across sessions, subjects, and weeks. Open → Guide Daycare vs Nanny: The Real Cost Comparison A sourced, dollars-and-cents comparison of daycare vs a nanny in 2026 — including the hidden tax and payroll costs of hiring in-home care, and how to decide. Open → Guide How Much Does It Cost to Raise a Child in 2026? A clear, sourced breakdown of what it costs to raise a child from birth to 18 in 2026 — housing, childcare, food, healthcare — plus how to budget for it. Open → Guide How Much Life Insurance Do You Actually Need? (The DIME Method) A clear, sourced walkthrough of the DIME method for calculating life insurance needs in 2026 — Debt, Income, Mortgage, Education — with a worked example. Open →