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Child-raising budget

Plan future child-raising costs by age stage, with an optional separate estimate of income lost during leave. Replace every example with your household's assumptions.

Start with your own situation

Example, not a market average

An example is filled in. Replace it with your own data to calculate.

Choose the ages to budget for, then monthly costs at each stage. Unused stages may retain their original values.

Choose calculation. Check the selected option before entering the remaining values.
Enter start at age (years), for example 0. Use the displayed unit; replace the example with your own value.
Enter plan until birthday age, for example 18. Use the displayed unit; replace the example with your own value.
Enter monthly budget from birth to under 3 (twd), for example 20000. Use the displayed unit; replace the example with your own value.
Enter monthly budget age 3 to under 6 (twd), for example 18000. Use the displayed unit; replace the example with your own value.
Enter monthly budget age 6 to under 12 (twd), for example 15000. Use the displayed unit; replace the example with your own value.
Enter monthly budget age 12 to under 18 (twd), for example 18000. Use the displayed unit; replace the example with your own value.
Enter monthly budget age 18 to under 22 (twd), for example 22000. Use the displayed unit; replace the example with your own value.
Enter additional one-time costs (twd), for example 80000. Use the displayed unit; replace the example with your own value.
Enter assumed annual cost increase (%), for example 0. Use the displayed unit; replace the example with your own value.

Results update when inputs are complete. A plan is kept only when you save it. Inputs and results are not uploaded.

Saved plans →

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Example result

Funds from age 0 to the 18th birthday

3,824,000TWD

This is your own child-raising budget, not a Taiwan-wide average. Switch modes to include income lost during leave.

Age 0 to under 3 (3 years counted)720,000
720,000
Age 3 to under 6 (3 years counted)648,000
648,000
Age 6 to under 12 (6 years counted)1,080,000
1,080,000
Age 12 to under 18 (6 years counted)1,296,000
1,296,000
Additional one-time costs80,000
80,000

Worked steps

  1. Apply the monthly budget for each age stage × 12 each year
  2. Assumed annual cost growth: 0%; 18 years in total
  3. Counts up to the 18th birthday; later years are excluded

Each stage's monthly budget should include the food, clothing, housing, transport, care and education shares you want counted. Divide annual costs by 12 first and do not add them twice. One-time expenses are added once at their current amount. Subsidies are not deducted automatically and caregivers' lost income is excluded. Examples are editable assumptions, not Taiwan's average child-raising costs.

What assumptions does this budget include?

Apply each stage's monthly budget to the months covered between the starting age and ending birthday, increasing costs annually by the entered assumption. Add one-time costs once; leave mode separately offsets lost income with confirmed benefits and adds only extra care costs not counted above.

Stage budgets can include food, clothing, housing allocation, care and education. Leave-related income loss is not labelled as child consumption.

Annual charges should first be divided by 12 and not added again. Benefits are not automatically granted, examples are not Taiwan average costs, and care spending already included in a stage must not be duplicated.

What this helps you do

Plan future child-raising costs by age stage, with an optional separate estimate of income lost during leave. Replace every example with your household's assumptions.

What to enter

Start with start at age (years), then fill the other relevant fields in the units shown. Available calculations are Child-raising spending, Add leave-related income loss.

How the calculation works

Apply each stage's monthly budget to the months covered between the starting age and ending birthday, increasing costs annually by the entered assumption. Add one-time costs once; leave mode separately offsets lost income with confirmed benefits and adds only extra care costs not counted above.

Worked example

For age 0 to the first birthday at TWD 20,000 per month, zero inflation and no one-time costs, raising costs total TWD 240,000. Six months with TWD 30,000 income lost and TWD 15,000 confirmed benefit adds a separate TWD 90,000 income gap.

Understanding the answer

Stage budgets can include food, clothing, housing allocation, care and education. Leave-related income loss is not labelled as child consumption.

Scope and limitations

Annual charges should first be divided by 12 and not added again. Benefits are not automatically granted, examples are not Taiwan average costs, and care spending already included in a stage must not be duplicated.

Keep it handy for next time

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