Cost of Having a Baby in Australia

Estimate your total first-year costs — then subtract your Centrelink payments

Birth & Hospital
Lost Income
Baby Gear & Essentials
Ongoing Monthly Costs
Payments to Include in This Budget
This is a budget scenario, not an eligibility decision. Enter only payments expected within the baby's first year. Confirm work, residence, waiting-period, income and sharing rules with Services Australia. FTB starts at $0 until you enter a separately assessed amount.

Never combined: neither Newborn Upfront Payment nor Newborn Supplement is included if either parent receives PLP for the same child. Eligibility rule

Your First-Year Baby Budget

Not sure about your Centrelink amounts?

Use our payment calculator for a conditional estimate, then confirm your payment eligibility and amounts with Services Australia.

Calculate Centrelink Payments
Disclaimer: These are illustrative planning assumptions for 2026-27, not verified national averages or a benefits assessment. PLP and employer pay are before tax; this is not a take-home cash-flow forecast. FTB uses 26 fortnights (364 days) at the rate you enter, with Part B reduced for distinct PLP-paid days. No FTB end-of-year supplements or PLP superannuation are included. Your actual costs will vary based on location, choices, and circumstances. Hospital costs are estimates only — contact your hospital for actual fees.

Other useful family tools

Child Care Cost Calculator

Model one standard-rate child using billed hours, school-age caps and withholding.

School Cost Comparison Worksheet

Compare school cost quotes and attendance assumptions you enter.

School Directory Launcher

Open official school directory and enrolment routes; places and fees require confirmation.