Baby costs vary widely. This calculator does not publish a single “a baby costs $X in Canada” figure. It starts from editable planning defaults so you can mark gifts, used items, skipped purchases, childcare, and savings.
Startup costs are one-time preparation purchases: sleep, feeding, diapering, clothing, transportation, health supplies, and nursery items. Monthly costs are recurring first-year expenses such as diapers, formula, and replacements. Edit or skip any line.
There is no Canada-wide $10/day assumption here. Enter the monthly amount you actually expect and the month you expect care to start. If you know a subsidy or benefit, subtract it as a monthly amount.
This page does not estimate CCB. For July 2026 to June 2027, the published maximum for a child under 6 is $8,157 a year, or $679.75 a month. Actual payment depends on adjusted family net income and family circumstances. Use the CRA Child and Family Benefits Calculator if you are unsure.
Enter savings already set aside, the amount you are saving each month, and months until arrival. If you already estimated a parental-leave income reduction, you can include that optional figure. The headline result is the estimated amount left to prepare — not a warning score.
There is no single national figure. Costs depend on gifts, second-hand items, feeding method, childcare, and where you live. Use the editable categories on this page instead of a fixed total.
A useful planning approach is remaining startup purchases, plus a few months of recurring baby expenses, plus any expected income drop during leave, minus savings you will have by the due date.
Common startup categories include a safe sleep setup, car seat, diapers, clothing, and feeding supplies. Many families also budget for a stroller or carrier. Gift and used items can reduce the cash needed.
Only if you turn childcare on and enter a monthly amount. The calculator does not assume a national childcare rate or subsidy.
No. The July 2026 to June 2027 maximum for a child under 6 is a ceiling. Actual CCB depends on income and family circumstances. Enter your own estimate or use the CRA calculator.