New Baby Financial Planner | First Year Cost, College Savings, Daycare ROI (Excel, Google Sheets)

Plan the real cost of a baby, then make the big money decisions with math instead of stress. This planner totals the true first-year cost, projects college savings, and runs the daycare-versus-staying-home math so you can decide with confidence. Built with 10 connected tabs, 157 live formulas and three engines. Works in Excel and Google Sheets, with instant download.

Three engines

• First-Year Cost — one-time setup plus recurring monthly expenses, rolled into a clear first-year total.
• College Savings — project what to set aside now to hit a future tuition goal.
• Daycare ROI — compare daycare cost against a parent's income to decide what actually makes sense.

What you get

• Excel file with 10 connected tabs and 157 live formulas
• Google Sheets compatible
• Quick Start Guide PDF
• CSV export for non-Excel users
• Free lifetime updates

Inside the system

• Start Here — due date, income and assumptions
• Baby Dashboard — first-year total, savings and key decisions
• Pregnancy Budget — prenatal and delivery costs
• One-Time Costs — nursery, gear and setup
• Monthly Costs — diapers, food, childcare and more
• First-Year Total — the full projection
• College Savings — target and monthly contribution
• Daycare ROI — daycare vs income comparison
• Goals — savings milestones

Who it is for

• Couples trying to conceive who want the numbers first
• Expecting parents budgeting for year one
• New parents weighing daycare vs staying home
• Anyone planning a second baby

Instant delivery

Files arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.

For personal planning only. Cost and savings figures are illustrative and depend on your inputs; this is not financial advice. Designed and built by SpendFlow Studio.