Planning a baby – Cost of having a baby

Planning a baby?

Useful tools and tips to help with planning for a baby

Work out the cost of raising a child Start saving for your baby

Starting a family?

Raising a child is exciting but can be expensive. A bit of planning ahead will help you manage your money both before and after your baby arrives.

Budgeting for your family

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Having a baby

Add your signposting title here… Meet our mums

Laura, a soloist with the Royal Ballet, is about to be a first-time mum with plenty of questions about having a baby. To find out more about the cost of having a baby and planning your finances, she sits down with mum-of-one and expert blogger Sarah to find out some of the ways you can start budgeting for a baby.

Watch Laura discuss how her life has changed since discovering she’s expecting a baby and pick up some useful tips from Sarah on planning for a baby.

Find out what the experts say

Plan ahead with a Reward account

Our Reward account gives you 3% back in Rewards when you pay your household bills by Direct Debit. That's council tax, gas, electricity, water, phone, TV and broadband bills. That means for every £100 of household bills you get £3 back. Monthly account fee applies.

Compare our current accounts See how many Rewards you could earn

App available on most smartphones to Royal Bank of Scotland customers with Digital Banking and a UK mobile number

Mobile Banking app

Whether you are in a rush or just want to make the most of your downtime, our mobile app lets you stay in touch with your finances at a time that suits you. Plus, beyond checking your balance, it's packed full of features to let you do your day to day banking:

New TickPay your bills and friends

New TickLog in using your fingerprint

Learn more about the app

Thinking about the future?