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Expecting a baby and feeling totally overwhelmed by all the financial unknowns? From figuring out your due date to budgeting for diapers, daycare, and beyond — I’ve got you covered with these free planning tools.
When I was pregnant with my first, I remember lying awake at 2 a.m., scrolling through endless articles trying to figure out…
How much is this baby actually going to cost?
Can we even afford daycare?
When exactly is my due date anyway?
Sound familiar?
The thing is, becoming a mom comes with a million decisions — and most of them involve money. But finding clear, simple answers? That felt nearly impossible.
So, I built the tools I wish I’d had.
These 5 free calculators are designed specifically for expecting and new mamas who want to plan ahead without the overwhelm. No complicated spreadsheets. No confusing jargon. Just simple, beautiful tools that give you real answers in seconds.
Let’s dive in —
5 Free Baby Planning Calculators Every Mom Needs
01. Due Date Calculator
First things first — when is this baby actually coming?
Our Due Date Calculator does more than just give you a date. It shows you:
- Your estimated due date based on your last period or conception date
- Which trimester you’re currently in
- Key pregnancy milestones week by week
- When to schedule important appointments
It’s like having a pregnancy roadmap right at your fingertips.
Perfect for: Just found out you’re pregnant and need to start planning!
02. Baby Cost Calculator
Try the Baby Cost Calculator →
This one is a game-changer.
The Baby Cost Calculator helps you estimate your total first-year baby expenses based on YOUR lifestyle and choices. Because let’s be honest — the cost of having a baby varies wildly depending on whether you’re buying all new gear or shopping secondhand, breastfeeding or formula feeding, using daycare or staying home.
This calculator lets you customize:
- Diapering method (disposable vs. cloth)
- Feeding approach (breast, formula, or combo)
- Gear preferences (new, used, or minimal)
- Childcare situation
And then it shows you a realistic breakdown of what to expect.
Perfect for: Creating your baby budget and figuring out where to save vs. splurge.
03. Childcare Cost Calculator
Try the Childcare Cost Calculator →
Childcare costs can be absolutely wild — and they vary dramatically depending on where you live.
Our Childcare Cost Calculator pulls in real data for your state and shows you:
- Average costs for daycare centers vs. home-based care
- Infant vs. toddler vs. preschool pricing
- How childcare stacks up against your income
- Part-time vs. full-time cost comparisons
You can also explore our state-by-state childcare cost guides for detailed breakdowns of costs in your area.
Perfect for: Deciding whether to return to work, go part-time, or stay home.
04. Maternity Leave Calculator
Try the Maternity Leave Calculator →
Planning your maternity leave can feel like solving a complicated puzzle — especially when you’re piecing together different types of leave, vacation days, and disability benefits.
The Maternity Leave Calculator helps you:
- Map out your total leave timeline
- Calculate your expected income during leave
- Plan for any unpaid gaps
- Figure out when you’ll return to work
Because knowing what to expect financially can take so much stress off your plate.
Perfect for: Working mamas planning their leave and budgeting for time off.
05. College Savings Calculator
Try the College Savings Calculator →
I know, I know — your baby isn’t even here yet and I’m talking about college.
But here’s the thing: starting early (even with tiny amounts!) makes a massive difference thanks to compound interest.
The College Savings Calculator shows you:
- Projected college costs based on school type
- How much to save monthly to reach your goal
- The power of starting now vs. waiting
- Different savings scenarios based on your budget
Even $25 a month can grow into something meaningful over 18 years!
Perfect for: Long-term planners who want to give their kids a head start.
Why I Built These Calculators
Here’s the truth: I’m a planner. When I was pregnant, I wanted to feel prepared. But every time I tried to research baby costs or plan my maternity leave, I’d end up down a rabbit hole of conflicting information and complicated spreadsheets.
I wanted something simple.
Something that would give me answers in seconds, not hours.
Something designed for busy, overwhelmed mamas who just want to know: are we going to be okay?
So that’s what I built.
These calculators are:
- 100% free — no email required, no hidden fees
- Mobile-friendly — use them anywhere
- Actually helpful — real data, real answers
- Beautiful — because pregnancy planning doesn’t have to be ugly
Start Planning Today
Whether you just found out you’re expecting or you’re deep in the third trimester trying to get organized, these tools are here to help.
Bookmark this page, share it with your pregnant friends, and know that you’ve got this, mama.
Quick Links to All Calculators:
- Due Date Calculator
- Baby Cost Calculator
- Childcare Cost Calculator
- Maternity Leave Calculator
- College Savings Calculator
- Childcare Costs by State
Have questions or feedback? I’d love to hear from you!
Read Next:
The Complete Baby Registry Checklist [PDF]
49+ *Important* Things To Do Before Baby Arrives (Third Trimester Checklist)
