How Much Does a First Year With a Baby Cost?
2026 price guide with breakdown and savings tips
Where the Money Goes
Childcare/daycare 40% $7,200
Diapers & supplies 15% $2,700
Medical (copays, prescriptions) 15% $2,700
Clothing & gear 15% $2,700
Food (formula or baby food) 15% $2,700
What Affects the Price
Childcare (largest expense by far)
Health insurance changes
Diapers and formula vs breastfeeding
Nursery setup
Lost income if a parent stays home
How to Save Money
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