Baby Fund Calculator UK
Pram, cot, car seat, clothes, mat leave top-up. First-year costs stack up faster than most people expect. This baby fund calculator works out how much to put aside each month so the money is ready when you need it.
Open the free PacePot calculatorHow much to save each month?
How it works
Enter your baby fund target, how much you have already saved, and the date you want the money ready (your due date or a few weeks before). PacePot shows the monthly pace and tracks every contribution.
- Set one overall baby fund target.
- Or split into separate goals: kit, mat leave buffer, nursery costs.
- Log amounts as you save and see your progress update.
Practical examples
From zero, that is about £333 per month.
£3,800 left over 8 months is about £475 per month.
Create a separate target for any month where your income drops, so it does not eat into the kit fund.
Baby fund FAQ
What does a new baby cost in the UK?
Essentials, pram, cot, car seat, and first-year clothes typically come to £2,000 to £4,000. Mat leave income gaps and nursery costs on top of that vary widely. Setting a target and saving toward it is more useful than chasing an average.
Can I use this during pregnancy?
Yes. Nine months is enough time to build a meaningful fund at a manageable monthly pace. Earlier is better, but starting at any point helps.
Is PacePot free to use?
Yes. PacePot is free and stores your data in your browser. Nothing is shared or synced to a server.
Start your baby fund today
Open PacePot, set your target, and see the monthly amount to hit it before your due date.
Use PacePot free