Cost of Raising a Child Calculator
Parenting & FamilyEstimate the total cost of raising a child from birth to age 18.
Estimated Total Cost to Age 18
Estimated total cost of raising this child to age 18, including an optional college fund target.
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Creators
Odeh Ahwal0people find this calculator helpful
Views
Helpful
Saved
Embeds
Parenting & Family calculators
Frequently Asked Questions
What does annual cost per child typically include?
Common categories include housing share, food, childcare, clothing, healthcare, education-related costs, and miscellaneous expenses — actual costs vary enormously based on location, lifestyle, and number of children (costs per child often decrease with more children due to shared resources).
Why does annual cost vary so much by family?
Childcare costs alone can range from minimal (family care) to $20,000+/year (full-time daycare in expensive metro areas), and costs generally rise significantly when children reach school age and again as teenagers, making a single flat annual estimate only a rough average.
Should I plan for college costs separately?
Many families use a dedicated 529 plan or similar education savings vehicle for college costs rather than folding it into general annual expenses — use a 529 plan calculator to project college-specific savings growth.
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