Money Rescue · Family & KidsKnow what the first year costs — before the first bill lands.
AI builds your first-year picture from your own numbers — birth, monthly basics, childcare and lost income — plus the support programmes and the two enrolment deadlines most parents find out about too late.
Built in
cost calculator
6+
support programmes
15
min to your picture
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$19.00
$39.00
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Instant delivery to your emailThe Problem
You budgeted for the pram. The pram was never the problem.
Nobody tells you what the birth will cost until afterwards
Even with insurance, the figure depends on your plan, your facility, which practitioners bill separately, and whether your due date straddles two plan years. All of it is askable in advance and almost nobody asks.
Childcare is usually several times everything else combined
Families price the nursery furniture carefully and discover the actual number months later, often alongside a waitlist that needed joining before the baby arrived.
The lost income is invisible until it isn't
Unpaid leave, reduced hours, or one parent stopping work is frequently the largest single line in year one — and it rarely appears on any baby budget checklist.
Two deadlines can cost you thousands and nobody mentions them
Adding the baby to your health plan after birth, and any dependent-care election window. Both are short, both are easy to miss while sleep-deprived, and both are expensive to miss.
What You Get
The whole picture — including the parts nobody warns you about.
First-Year Calculator
Birth, basics, childcare and lost income in one figure.
Birth Cost Preparation
What to ask your insurer and the billing office, in advance.
Estimate Request Letter
Ready to send to the hospital before the birth.
Realistic Basics Budget
Bare-minimum version, and what's not worth buying.
Childcare Scenarios
Options costed with the hidden ones included.
Safety Nets & Deadlines
What to check, and the windows you can't miss.
How It Works
From dread to a number you can plan around.
1
Share your situation
Income, insurance, where you live, how far along, and what your childcare plan might be.
~8 minutes2
Get the picture and the deadlines
Cost categories with honest ranges, the two items likely to dominate, the support worth checking, and the windows to diarise now.
~4 minutes3
Ask, price, and adjust
Send the estimate request, price childcare locally, join waitlists early, and replace estimates with real numbers as they arrive.
ongoing1
first-year figure built from your own numbers rather than a national average — with the two deadlines diarised and the support programmes checked
4
cost areas priced separately
6+
support programmes to check
2
deadlines that cost money to miss
Questions
Everything you need to know.
Will it tell me exactly what a baby costs?
It'll help you build your own figure, which is the only one that means anything. National averages are close to useless here — birth costs depend on your plan and facility, childcare varies several-fold between cities, and lost income depends entirely on your leave. The calculator runs on your numbers and flags what to price locally.
We're on a tight budget. Is it going to make us feel worse?
It's written not to. The prompts are explicitly instructed never to shame anyone for being financially unprepared, and every step includes a bare-minimum version. Most of the value is in the support programmes and the questions to ask — which cost nothing and are where tight budgets actually get relief.
What support programmes does it cover?
Medicaid coverage for pregnancy — which in most US states is available at higher income levels than regular Medicaid, and surprises a lot of families — plus WIC, CHIP, SNAP, childcare subsidies, hospital financial assistance policies, and No Surprises Act protections. It tells you where to check eligibility rather than telling you whether you qualify.
What are the two deadlines?
Adding the baby to a health plan after birth, which is a limited window and a qualifying life event, and any dependent-care or flexible-spending election window. Both are short, both are easy to lose track of with a newborn in the house, and both cost real money to miss — so they're flagged early and put in the checklist rather than mentioned in passing.
Does it cover the hospital bill specifically?
Yes, and mostly by getting you to ask before rather than dispute after. You get the questions for your insurer — starting with the out-of-pocket maximum rather than the deductible — questions for the billing office, and a ready-made written request for an estimate and a copy of their financial assistance policy.
Is this financial or medical advice?
No. It's a planning tool. It doesn't quote current prices as fact, doesn't tell you whether you qualify for anything, and points you to official sources and to the hospital's own billing office for the numbers that matter.
Reviews
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