Welcoming your first child
Becoming Parents
A first child changes the maths and the meaning of money at the same time.
Most of the fear comes from not having laid the numbers out. Once you do, the scary unknown becomes a plan — and a surprisingly affordable one. Start wherever your questions are loudest.
In this season
Four questions, in full
The cost of a baby
Less than the 2am fear says — in the public system, delivery can cost a citizen couple almost nothing.
See the full breakdown →02Childcare, compared
Infant care ~$746/mo after subsidy, a helper ~$1,350, grandparents near-free — each with trade-offs beyond money.
See the full breakdown →03What the government gives you
~$27,000 in support for a first child, plus 30 weeks of paid leave for babies born from April 2026.
See the full breakdown →04Protecting your family
Now someone depends on you — term cover sized right, and the five-minute nominations most parents miss.
See the full breakdown →A tool to take with you
New Baby Cost Planner
One-time and monthly baby costs, an adjusted family budget, and a protection checklist for the season someone first depends on you.
Download the templateReading is one thing; the short list of moves is another. The newborn window — the time-sensitive one — sits with the other milestone checklists, all on one timeline.