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👶 Baby planner

Baby Savings Planner

Cot, car seat, nursery, maternity gap — plus a buffer for surprises.

Your goal

Your roadmap

£7,500 to go

273 days · 39 weeks · 9 months until 3 May 2027

22

Success score

£500 saved6%£8,000

Per day

£27.47

Per week

£192

Fortnightly

£385

Per month

£836

Trim monthly spending

You'd need 119% of your disposable income. Cutting £135/month from subscriptions and takeaways typically closes half the gap.

Add extra side income

Tutoring, freelance, weekend shifts or reselling can add £200–£400/month — often the difference between stretch and comfortable.

Assign your next bonus

A £1,000 workplace bonus routed straight to this pot advances your target date by ~1 month at current pace.

Consider extending the date

Adding 13 months would drop your monthly target to a realistic £341.

Motivation

You've already covered 6%. Small wins compound — a £5/day cut equals £150/month.

How to plan a baby fund

  1. 1

    Budget for the maternity/paternity income gap — often the biggest cost.

  2. 2

    Buy 80% of nursery items second-hand — babies use most items for weeks.

  3. 3

    Register for childcare early — many UK nurseries have 12+ month waitlists.

  4. 4

    Open a Junior ISA in the first year — even £25/month grows to £6k+ by age 18.

FAQs

How much does a baby cost in the first year in the UK?+

£6,000–£10,000 including essentials, food, clothing and the maternity income gap.

What UK benefits can I claim?+

Statutory Maternity Pay, Child Benefit, and Tax-Free Childcare once you return to work.

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