TuMu - New Baby Planner

Family planning with colour, calm, and clarity

Growing your family is exciting. The money side should feel manageable too.

A hopeful family step still needs practical planning. Use this planner to estimate medical costs, setup spend, leave-related income changes, and the savings target you may want before baby arrives.

Birth costs Leave planning First-year budget

1. Timeline

When are you planning for baby?

-- months to prepare

Child or family focus Planning stage Expected birth month Expected birth year

We'll use this to estimate how many months you have to prepare financially.

2. Birth & Medical

Birth and medical care

R0 medical total

Prenatal care estimate Delivery and hospital estimate Specialist shortfall estimate Medical aid in place Gap cover in place Gap cover per month

3. Home Setup

Getting ready at home

R0 setup total

Cot and sleep setup Pram and travel Car seat Clothing starter pack Nursery and bath items Monitor and extras Starter nappies and basics

4. Baby's First-Year Basics

Baby's first-year basics

R0 per month

Nappies and wipes per month Feeding per month Clothing and basics per month Toiletries and healthcare basics per month Transport increase per month Childcare per month

5. Leave & Income

Parental leave and income

R0 leave gap

I'm planning as a single parent

Parent 1 monthly income Parent 1 leave months Parent 1 expected income replacement %

Parent 2 monthly income Parent 2 leave months Parent 2 expected income replacement %

6. Monthly Room

How much monthly room do you realistically have?

R0 monthly room

Available monthly surplus before baby arrives

Current TuMu budget snapshot No current-month budget data yet

Add budgets and expenses in TuMu to compare this plan against your current child-spend rhythm.

This is your realistic monthly room after normal household commitments. TuMu will compare it to the savings target and flag whether the plan feels on track, stretch, or tight.

7. Safety Margin

Safety margin

R0 buffer

Contingency buffer % Current savings already set aside

Your baby planning snapshot

Warm planning, clearer numbers.

Before birth targetR0

Save per monthR0

Leave income gapR0

First-year estimateR0

Planner fit Needs monthly room

Monthly gap R0

Planning estimate only. TuMu is not a financial advisor, and actual costs may vary.

Cost buckets

Where your estimate is coming from

Savings runway

How your target builds up before birth

Scenario compare

See the lower-cost, expected, and higher-cost path

How these estimates work

Important disclaimer

TuMu provides planning estimates only and does not offer financial, medical, legal, tax, insurance, or investment advice. Actual costs may differ based on medical needs, provider pricing, inflation, leave arrangements, UIF outcomes, childcare choices, and personal preferences. Calculator outputs may include margins of error and should be used as a guide, not a guarantee.