Can you afford to have a kid?
The real question isn't the daycare bill. It's what happens to your retirement date. Model it against your actual plan.
- 1Models childcare, education, and lifestyle cost increases
- 2Compares having a kid next year vs. waiting 3–5 years
- 3Shows retirement date shift for each scenario
Model the kid decision →
Free to start · No credit card
GO
“Financially feasible: your plan absorbs a child next year without a shortfall.”
$298k
total cost through college (daycare + activities + tuition)
Retire NW
$1.6M
Monthly Income
$5,300
Years Funded
31 yrs
NW Impact
-$200K
Example verdict, yours will reflect your actual finances.
How it works
Step 1
Build your household model
8 questions about your income, savings, and spending.
Step 2
Engine runs your scenarios
Multiple parallel projections compare the options against your actual numbers, and you can stack this with other decisions into one strategy.
Step 3
Get your verdict
GO, NO, WAIT, or SHIFT, with the key number and plain-English explanation.
Ready to get your answer?
Model the kid decision →Free to start · No credit card