Families

New parents household budget

A family budget that makes childcare, supplies, health, and emergency savings explicit.

Separate baby-specific costs from household basics so recurring needs and one-off gear do not blur together.

Household

4 categories

55%
  • HousingRent or mortgage28%
  • GroceriesFamily food13%
  • UtilitiesHome basics7%
  • TransportFamily mobility7%

Child

4 categories

25%
  • ChildcareDaycare or sitter12%
  • Diapers and suppliesRecurring baby supplies6%
  • HealthMedicine and appointments4%
  • Gear fundClothes and equipment3%

Protection

3 categories

20%
  • Emergency fundFamily buffer12%
  • InsuranceCoverage review4%
  • Education savingsRESP or equivalent4%