Child cost, benefits, and tax credit calculators. Browse our free family finance tools below — all calculators are instant, accurate, and require no sign-up.
Adoption Tax Credit Calculator — Calculate your Adoption Tax Credit of up to $15,950 per child. See phase-out amounts based on modified AGI between $239,230 and $279,230.
Cost of Raising a Child Calculator — Estimate the total cost of raising a child from birth to age 18 based on USDA data. Adjust for region, income level, and family size.
Dependent Care FSA Calculator — Calculate tax savings from a Dependent Care FSA. See how contributing $5,000 pre-tax reduces your federal, state, and FICA tax burden.
Family Emergency Fund Calculator — Calculate your ideal family emergency fund size. Estimate 3-6 months of expenses adjusted for family size, income stability, and risk.
First Year Baby Cost Calculator — Estimate total first-year baby costs including diapers, clothes, gear, medical expenses, and childcare. Plan your newborn budget accurately.
Family Health Insurance Cost Calculator — Compare family health insurance plan costs including employee+children vs. full family plans. Factor in premiums, deductibles, and HSA savings.
Life Insurance for Parents Calculator — Calculate how much life insurance parents need. Factor in income replacement, mortgage payoff, college funding, and final expenses.
Single vs. Dual Income Family Calculator — Calculate the net value of a second income after childcare, taxes, commuting, and work expenses. See if dual income actually pays off.
Stay-at-Home Parent Value Calculator — Calculate the economic value of a stay-at-home parent. See the market cost of childcare, housekeeping, cooking, driving, and more.