That your child costs money, that makes sense. But how much? Of course you ultimately decide this yourself. One has more to spend than the other. But no matter how economical you do, in the end it will still be a considerable amount. You can prepare a balance in advance. A number of costs, such as clothes and furniture, are obvious, but do not forget to include the costs that arise from the possible fact that you or your partner will work shorter hours. Or maybe even stop working altogether! Often this is forgotten to be included in the final sum. To avoid unexpected surprises, we have already made an overview that you can include in your own calculation.
The average cost of your child, from baby to the moment he starts working (or leaves the house) is about 100,000 euros. Do not be scared right away, because this amount you pay eventually spread over all years. Fortunately, you also get a little help from the government, in the form of child benefit.
17% of the total income is for the first child
Statistics Netherlands has calculated that 17% of the total income of a family is spent on the first child. This is 26% for two children, 33% for three children and four children for up to 40%.
However, we have only planned the costs on your baby's first year. After that, most costs do not stop. Your baby will eventually grow out of his crib and need a bigger bed, until he is clean, he will probably use about 5,000 diapers (± 1,500 euros), he will also grow out of his clothing, et cetera. We have limited ourselves with this overview, however, until the first year.
Do you or your partner want to work less? Then let us calculate what this will mean on the net salary.
Inform yourself in advance about the costs for childcare. Think about:
- the number of hours you want to decrease
- hourly rate for childcare
- family income
If you use childcare, you are also entitled to childcare allowance.
In addition to all visible costs, there are also invisible costs. Think for example of gas, water and light, but your insurance policies can also become more expensive. Municipal taxes are going up with an extra family member and maybe you pick up the car a bit faster. These costs are not immediately visible, but that does not mean that they will not be there.
From the moment your child is born, you are entitled to child benefit. This is paid out at the beginning of each quarter (January, April, July and October). The amount depends on the number of children and is also fixed every year.
Child benefit is automatically triggered after the birth declaration.
Also think about the costs of a pregnancy. For example, special baby clothes, anti-stretch marks, birth announcements or a small gift to the grandmothers and grandfathers. Costs can also be connected to childbirth. Inquire about this at your health insurance company.
The basic insurance reimburses the following:
- midwife during pregnancy and childbirth;
- 10/12 weeks ultrasound and the 20 weeks ultrasound
- NIPT (Non-Invasive Prenatal Test)
- Medical care (hospital, general practitioner, specialist)
- Hospital stay
- Maternity care
Naturally, health insurers also offer additional packages with extra reimbursements during your pregnancy. Are you pregnant or do you want to become pregnant in the new calendar year? Then it is good to delve into this. Comparing your health insurance helps you with this. This is how you find the insurance with the lowest premium that suits your care needs.
Bottle feeding: ± 2 euro per day
Breastfeeding: costs of a breast pump
Requirements (bottles, pacifiers, bottle warmer, etc.): ± 75 euros
A bit dependent on the brand / quality diapers you buy, but keep in mind about 25 euros per month.
You should think of all the spreads, washcloths, bath, medication (thermometer), jug, et cetera.
The costs of this are on average 150 euros.
This depends entirely on what you plan. New or used. Mark or not. And of course do not forget the amount of clothes you want to buy.
For a basic set (2x socks, 6 rompers, 4 pants, 1 jacket, 6 jerseys) the costs are on average 150 euros.
The nursery is still the biggest expense, but you can also control this yourself. You can choose to purchase a new baby room, but you can also look at Marktplaats for a second-hand baby room. This quickly saves a few hundred euros. Maybe you want to give the baby room a new paint or wallpaper. Costs are also associated with this expenditure.
The average costs for a baby room are about 650 euros. The (new) baby room then consists of a changing table, bedstead, wardrobe and some accessories.
Do you also want a box, then there is still about 150 euros. You also have a simple box from about 50 euros.
When you want to go out with your child, you need a number of things. For example, a:
stroller - ± 400 euros
car seat - ± 125 euros
baby monitor - ± 50 euros
baby carrier (optional) - ± 50 euros
|Bottle feeding||730 euros|
|Baby room||650 euros|
|Car seat||125 euros|
|Baby monitor||50 euros|
|Baby carrier||50 euros|
We have discussed average amounts here, starting from new prices. It can certainly be a lot cheaper when you choose second-hand products. In our report 'Low budget baby - much baby care for little' you will find many tips to be as inexpensive as possible, with a complete baby off.
For example, if you look at the cost overview of the Nibud, you will see that they come out a lot cheaper, but still at an amount above 2000 euros.