Cost of Raising a Child Calculator (UK)
Childcare is the biggest cost in the early years, then everyday spending takes over. Enter your own monthly figures to see the total from birth to 18, and how much Child Benefit takes off.
Your numbers
After free hours and Tax-Free Childcare
Bigger home, energy, water
£27.05 for an eldest child in 2026–27 (£17.90 for others); 0 if you earn over £80,000
Result
Total cost from birth to 18
£172,801
| Childcare before school | £32,400 |
|---|---|
| Wraparound and holiday care (ages 5–11) | £21,000 |
| Everyday costs, activities and housing | £144,720 |
| Child Benefit received | -£25,319 |
| Average per year | £9,600 |
| Average per month | £800 |
Default figures are illustrative starting points, not official averages. Replace them with your own.
Child Benefit is reduced by 1% for every £200 the higher earner makes over £60,000 and stops at £80,000.
Is going back to work worth it? Run the full comparisonWhere the money goes
Nursery fees dominate the first few years, often costing more than everything else combined. Once school starts, wraparound and holiday care replace them, and food, clothes and activities grow with age.
What brings the cost down
Funded hours from 9 months, Tax-Free Childcare (up to £2,000 per child a year), Universal Credit's 85% childcare element and Child Benefit all reduce the bill. Use the related calculators to work out each one.
Does it make sense to keep working?
Because the early-years cost is so high, many parents ask whether going back to work pays. The full comparison calculator shows your take-home pay after childcare for one or both parents working.
Frequently asked questions
How much does it cost to raise a child in the UK?
It depends mostly on childcare. Families paying for full-time nursery can spend well over £100,000 by age 18, while families using family care or free hours spend much less. Enter your own figures above for a personal total.
What is the most expensive age?
Usually the years before school, because of nursery fees. After that, costs rise again in the teenage years with food, clothes and activities.
Does Child Benefit cover much of the cost?
It helps but covers a small share. In 2026–27 it is £27.05 a week for the eldest child (£17.90 for others), about £25,000 over 18 years, and less for higher earners.
Next steps
Sources
Results are estimates for planning. Rates change each tax year, so check the official source before you rely on them.