{"product_id":"new-baby-financial-planner-first-year-cost-college-savings-daycare-roi-excel-google-sheets","title":"New Baby Financial Planner | First Year Cost, College Savings, Daycare ROI (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003ePlan the real cost of a baby, then make the big money decisions with math instead of stress.\u003c\/strong\u003e 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.\u003c\/p\u003e\n\n\u003ch3\u003eThree engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eFirst-Year Cost\u003c\/strong\u003e — one-time setup plus recurring monthly expenses, rolled into a clear first-year total.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCollege Savings\u003c\/strong\u003e — project what to set aside now to hit a future tuition goal.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDaycare ROI\u003c\/strong\u003e — compare daycare cost against a parent's income to decide what actually makes sense.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 10 connected tabs and 157 live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside the system\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — due date, income and assumptions\u003c\/li\u003e\n\u003cli\u003eBaby Dashboard — first-year total, savings and key decisions\u003c\/li\u003e\n\u003cli\u003ePregnancy Budget — prenatal and delivery costs\u003c\/li\u003e\n\u003cli\u003eOne-Time Costs — nursery, gear and setup\u003c\/li\u003e\n\u003cli\u003eMonthly Costs — diapers, food, childcare and more\u003c\/li\u003e\n\u003cli\u003eFirst-Year Total — the full projection\u003c\/li\u003e\n\u003cli\u003eCollege Savings — target and monthly contribution\u003c\/li\u003e\n\u003cli\u003eDaycare ROI — daycare vs income comparison\u003c\/li\u003e\n\u003cli\u003eGoals — savings milestones\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCouples trying to conceive who want the numbers first\u003c\/li\u003e\n\u003cli\u003eExpecting parents budgeting for year one\u003c\/li\u003e\n\u003cli\u003eNew parents weighing daycare vs staying home\u003c\/li\u003e\n\u003cli\u003eAnyone planning a second baby\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles 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.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor 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.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274169684161,"sku":null,"price":9.09,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8096035329_sscg.jpg?v=1780071037","url":"https:\/\/spendflowstudio.com\/products\/new-baby-financial-planner-first-year-cost-college-savings-daycare-roi-excel-google-sheets","provider":"SpendFlow Studio","version":"1.0","type":"link"}