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Find Out If You Can Actually Afford To Have A Baby

Is it a "yes" or a "no" for you?

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Having a kid ain’t cheap. In fact, a report from the U.S. Department of Agriculture estimated that it will cost a middle-income married couple $233,610 to raise a child to the age of 17.


Since I already have kids, I tried it out with an imaginary couple, Jane and Bert Robertson.

Nbc / NBCU Photo Bank

And before you start, no, that isn’t Monica and Chandler from Friends in the photo. It's The Robertsons. They get that all the time, though.


And here's a breakdown of what they would spend their money on.

IMPORTANT POINT TO MAKE: Based on their income and region, if they had as little as $76 of debt each month (for, say, student loans), they'd have gotten a "No."

Are the results 100% accurate? Probably not.


One concern I had: The tool doesn't take varying cost-of-living by city into account. It only asks for your "region" (either Northeast, South, Midwest, West), and while San Francisco and Tempe, Arizona are both in the "West" region, the cost-of-living in each city differs wildly.

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