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    Posted on Jul 12, 2017

    Find Out If You Can Actually Afford To Have A Baby

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

    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.

    AMC

    So it costs money to raise one of these cuties. But can you afford it?

    Flickr: somedragon2000 / Via Creative Commons

    Well, here's some cool news: A new tool by career website Zippia will let you know: "Yes!" or "No!"

    The tool is meant for first-time parents (so if you’re thinking about having a second, third, or Duggar-level addition, this probably won’t work).

    TLC

    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.

    To use the tool, you have to plug in some of your deets: income, household status, region, insurance info, whether you plan to save for college, and monthly debt.

    MGM

    Here's what I put in for The Bings, I mean — shit! — The Robertsons!

    Here was their result:

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

    zippia.com

    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.

    Dreamworks

    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.

    BUT...it’s still a cool tool and probably more accurate than the advice you'll get from your desperate-for-grandkid parents.

    Flickr: jackdorsey / Via Creative Commons

    You ready for this?

    NBC

    And, uh, expenses!

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