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Cost of Raising a Child Calculator
Estimate how much it costs to raise a child from birth to age 17. Based on USDA data, adjusted for your income, location, and family size.
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Frequently Asked Questions
According to USDA data adjusted for inflation, a middle-income married couple can expect to spend approximately $310,000-$320,000 to raise a child born today from birth through age 17. This doesn't include college costs, which can add significantly more.
Housing is the largest expense, accounting for about 29% of child-rearing costs. This includes the additional space needed for a child. Food is second at 18%, followed by childcare and education at 16%.
Yes, significantly. Families in the urban Northeast spend the most, while rural families spend about 27% less than the urban Northeast. This is primarily due to differences in housing and childcare costs.
These are per-child costs. However, families with multiple children often benefit from economies of scale, including shared bedrooms, hand-me-down clothes, and bulk food purchases. Our calculator adjusts for these factors.
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