Child cost calculator

How much does a child under five really cost?

We asked parents like you that very question. Use our child cost calculator to see how much a child under five really costs, and compare your results with those of other parents.

Monthly spend

For help and advice on how to fill out this form look for the help symbol Help and select it.

£

Please enter your average monthly spend on toys and games to the nearest £1.

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Please enter your average monthly spend on clothes to the nearest £1.

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Please enter your average monthly spend on equipment to the nearest £1.

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Please enter your average monthly spend on trips to the nearest £1.

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Please enter your average monthly spend on entertainment to the nearest £1.

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Please enter your average monthly spend on classes to the nearest £1.

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Please enter your average monthly spend on childcare to the nearest £1.

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Please enter your average monthly spend on specialist foods to the nearest £1.

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Please enter your average monthly spend on family holidays to the nearest £1.

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Please enter your average monthly spend on nappies to the nearest £1.

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Please enter your average monthly spend on (Pre)school equipment to the nearest £1.

  • Monthly spend:
    £0
  • Yearly cost:
    £0
  • Five year cost:
    £0

Our study of 2,000 UK parents shows that families typically spend £586 a month on a child under five. That’s more than £7,000 per year.

Having a child is an expensive business. That’s why we give parents of children under four £15,000 free life cover for a year, so you can protect your family and have less cost to worry about.

£15,000 free life cover

It's worth bearing in mind that these averages are based on results from 2,000 people with at least one child under five. According to our research, the average family has around two children (mean average 1.9). So, if your family is smaller or significantly larger, your results may differ. These averages are based on independent research conducted on behalf of Aviva, which took place in November 2014 to support our Family Finance report.

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