Can we afford a baby?
The first year, the months on leave, and what childcare does to the budget after. Leave pay differs by country — put in what you'd get.
Worked out on this page. Nothing you type is sent or saved.
- 1 · Quick answer
- 2 · More accurate
- 3 · Exact, in Fyncora →
The first year costs about€15,600€1,800 before the birth, €3,000 in baby costs, €0 of childcare and €10,800 of pay you give up on leave.
Left each month today€1,100
Left each month on leave-€50
Left each month with childcare€400
Month 1On leave · -€50 left
- On leave
- With childcare
- Short that month
Show the numbers
| Month | What's left each month, the first two years |
|---|---|
| 1 | -€50 |
| 2 | -€50 |
| 3 | -€50 |
| 4 | -€50 |
| 5 | -€50 |
| 6 | -€50 |
| 7 | -€50 |
| 8 | -€50 |
| 9 | -€50 |
| 10 | -€50 |
| 11 | -€50 |
| 12 | -€50 |
| 13 | €400 |
| 14 | €400 |
| 15 | €400 |
| 16 | €400 |
| 17 | €400 |
| 18 | €400 |
| 19 | €400 |
| 20 | €400 |
| 21 | €400 |
| 22 | €400 |
| 23 | €400 |
| 24 | €400 |
Try instead
- Take 9 months of leave€14,250First year: €14,250
- Cut €300 a month while on leave€250€250 left each month on leave
Keep this plan
Create your account and Fyncora sets it up for you: a savings goal for the first year. You check every number first.
Kept on this device for 7 days, until you sign up. Nothing is sent before that.
Level 3 — exact, in Fyncora
A baby budget that follows the real months.
Fyncora sets up the leave months and the childcare bill as real budgets, watches them against what you actually spend — and, when the time comes, gives your child their own money on their own phone.
How this is worked out
- First year = one-off costs + twelve months of baby costs + childcare for the months after leave + the pay you give up while on leave.
- “Left each month” is take-home pay minus what you spend today, minus the baby's costs for that month.
- “Tightly” means a phase leaves less than 5% of your take-home pay.
- Leave pay and childcare prices differ by country and town; put in yours.
- Guidance, not financial advice. The same calculation runs inside Fyncora on your real numbers.