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Baby Budget checklist

16 money steps for expecting and new parents.

Track your progress with a free accountGet the free Baby Budget Workbook

Before baby

During pregnancy.

  • Make a first-year baby budget Guide
  • Check your deductible and out-of-pocket maximum Guide
  • Ask HR about leave and pay, in writing Guide
  • Build a small emergency fund Guide

Gear and supplies

Before and after.

  • Buy only the essentials at first Guide
  • Check every secondhand item for recalls Guide
  • Buy a new car seat unless you know its history Guide
  • Ask your plan about breast pump coverage Guide

Childcare

Start early.

  • Visit and compare childcare options Guide
  • Ask about a dependent care FSA Guide
  • Consider a nanny share or care swap Guide
  • Get on waitlists early Guide

Money and paperwork

After the birth.

  • Add your baby to health insurance before the deadline Guide
  • Apply for a Social Security number Guide
  • Check child tax credits for this year Guide
  • Update beneficiaries and consider a will Guide