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Cassie Kreitner
Senior Editor

Infographic: Here’s What It Actually Costs to Have a Baby

We break down what you can expect to spend in that first year.

It’s no secret that having a baby is a huge, life-altering decision, both emotionally and financially. While that freewheeling pre-parenthood spirit doesn’t need to disappear once you’re expecting, some things will probably have to change to accommodate your new expenses. To help offset all that spending, consider adding a rewards card like the Ally CashBack Credit Card to your wallet to earn cash back on the things you buy most—aka, diapers in bulk! Since it can be hard to estimate just how much everything will cost you, we’ve outlined some of the biggest expenditures below. Take a look, then check out smart ways to babyproof your savings.


Childbirth Costs: Type of delivery,; Cost of delivery, 2015 Comparative Price Report; maximum out-of-pocket limit,; family HSA limit,; individual FSA,; hospital stay,; Adoption cost,; Adoption tax credit,; Insurance policy deadline,

The Gear Baby Needs: Registry items and average value, The Bump Member Study 2017; breastfeeding and breast pump, The Bump Member Study 2017; diapers,; birth weight:

Parental Leave: Access to Paid Leave, National Partnership for Women and Families; paid leave in US, National Partnership for Women and Families, women back to work, In These Times

Childcare Costs: Who’s Watching Baby?, The Bump Member Study 2017; cost of childcare expenses,; nanny share,; stay-at-home mom salary,, tax credit,

Disclaimer: Consider consulting a financial professional before making any major money decisions.

*The IRS, CDC, DOL, CMS and are not sponsors of this article, and do not endorse or otherwise support the opinions or conclusions set forth herein.

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The Bump and Ally present We’re in This, Together—a sponsored content series featuring smart money-saving tips and advice to help achieve your future goals, including growing your family. Learn how Ally’s digital financial services can help you do it right.

Photo: Vector Source: iStock