First Year Baby Cost Budget Planner Excel — Full Category Breakdown & Childcare Impact Calculator

First-year baby costs range from $6,000 to over $50,000 -- and the single biggest swing factor most parents underestimate by about $20,000 is childcare. This spreadsheet budgets every category (hospital costs, gear, diapers, formula, healthcare, clothing, and childcare), calculates your total first-year cost, and includes a direct with-childcare vs without-childcare comparison so you can see exactly how much that one decision changes your entire budget.

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