Daycare vs Stay-at-Home Long-Term Financial Breakeven Calculator Excel — Career Growth & Retirement Impact Included

Most stay-at-home vs working comparisons only look at this year's childcare bill versus this year's salary -- missing the compounding effect of lost raises and lost employer retirement matching over multiple years. This calculator projects the real financial gap over a multi-year horizon you choose, factoring in expected annual raises, childcare cost inflation, and retirement match lost, giving you the true long-term financial picture instead of a one-year snapshot.

SEO TAGS: stay at home parent calculator, working mom financial calculator, daycare cost vs salary, opportunity cost of staying home, career break financial impact