Birth and education costs, staged

A child brings two very different money problems: a near-term lump for birth and lost income, and a distant target for education that inflation quietly inflates. Mixing them hides both. Enter the one-off birth costs, the income lost during leave, and today’s education goal; the tool separates the short-term monthly saving you need now from the future price the education fund will actually have to reach.

Result

The short-term birth goal is about 66,000 (one-off birth costs plus income lost during leave). With 2 years to go, you need to set aside about 2,750 a month. Longer term, today's 300,000 education goal, at 2% inflation, becomes 428,474 in 18 years — the same education, priced about 128,474 higher.

Short-term birth goal: 66,000
Monthly saving before birth: 2,750
Future price of the education fund: 428,474

The same education goal, priced today versus its price years from now.

The future price follows the inflation rate you assume; it is an estimate, not a guarantee.

Assumptions & limits

Keep short-term cash and long-term funds in separate buckets. Support around childbirth and schooling varies widely by place; check what applies where you are.