Cookies on the Royal Bank of Scotland website

Privacy Notice:

We use cookies and similar technologies on our websites and mobile applications to help provide you with the best possible online experience. By using our sites and apps, you agree that we may store and access cookies and similar technologies on your device.

You can find out more and set your own preferences here.

Setting Cookie
Search
Search
Overlay
Life Moments

Having
a baby

On this page
The cost of your new arrival
How to manage costs
Maternity and paternity pay
Preparing for the future

The cost of your new arrival

Bringing up children is exciting but can be expensive. A bit of planning ahead will help you manage your money before and after the baby arrives. Use our budget calculator to work out your budget. Take a look at our savings products if you want to start to put money aside.

Budgeting for your baby

Calculate your income and outgoings to see how you can meet the cost of your new arrival.

Use the budget calculator

Take a look at our savings accounts

Our range of savings accounts could help you save up if you are planning to have a baby. Take a look and see what could work for you.

See our savings accounts

How to manage costs

From nappies to baby monitors, the things you'll need for your baby can seem endless. Our tips can help you keep on top of things.

Second hand doesn't mean second best

For safety, some items like car seats and mattresses should be new

Highchairs, buggies and monitors can be borrowed or bought second hand

Check that things are in good condition first.

Help from family and friends and savvy shopping

Let family and friends know that you're interested in any hand me downs

Buy during the sales to get essentials at a good price

Read online reviews on sites like Netmums before you buy.

Buy and sell smartly

Find nearly new sales near you to pick up some bargains

Look out for local mother and baby groups which often hold sales

eBay and Gumtree are good places to find bargains

When you've finished with something, sell it to get some money back.

Maternity and paternity pay


Our guide can help you find out how much maternity and paternity pay and leave you could be entitled to when you have your baby.
 
You can find out about other benefits that may be available, and our salary calculator will help you work out your pay if your working patterns change after having a baby.
Your finances after having a baby

Preparing for the future

Life can be unpredictable, but with the right life insurance cover in place, you'll have peace of mind. Life insurance could help ease the financial burden on your loved ones if you are diagnosed with a terminal illness or pass away.

Life Insurance is provided by AIG. 

More about Life Insurance

Is there something else you're looking for?