Family

Can I afford a baby?

Drag the sliders to your real numbers. We estimate what's left each month based on the figures you enter — for illustrative purposes, not financial advice.

Your numbers

Money spare each month now£900

Childcare (a month)£800

Months of leave on reduced pay6 mos

Income drop while on leave£900

Adds ~£300 a month for nappies, food, and clothes, plus a one-off ~£2,500 for the cot, pram, and the rest of the kit.

Your estimate

A stretch

−£200/ month left

The new monthly costs would outrun the money you have spare today. Worth a plan before you leap.

Childcare£800

Nappies, food & extras£300

New monthly cost£1,100

Income lost on leave£5,400

Have about £7,900 saved before leave starts.

For illustrative purposes only. The figures shown are estimates based on the numbers you entered and simplified assumptions — they are not financial advice. Your actual costs, eligibility, and circumstances may differ. Always speak to a qualified financial adviser before making any financial decisions.