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A baby cost calculator estimates the first-year and ongoing expenses of having a child, including one-off equipment costs, ongoing consumables, childcare, and lost income. The true cost is substantially higher than most first-time parents anticipate.

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1. 1One-off costs: pram, cot, car seat, clothes, breast pump, monitors, changing unit
2. 2Ongoing monthly: nappies, formula or breast milk supplies, clothing, healthcare
3. 3Annual: childcare (by far the biggest cost — up to £1,500/month in UK cities)
4. 4Lost income: maternity/paternity leave pay gap, career breaks

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