How much does a child cost? Tighten up and hold on, dear parents!

Children are expensive!

Who remembers the times when ice balls cost 50 cents? In the meantime, we are already at € 1.50 in some places – and we all know that children eat a lot of ice cream. But of course that’s not all: there must also be clothes, (healthy) food, toys, teaching aids and more. The question “How much does a child really cost?” follows us through everyday life, and sometimes we even ask them before we are born.

What does a child up to 18 years cost?

The price for children obviously depends on various factors. And especially the first few years you can save a lot with used. But especially with the first child, one wants everything to be especially beautiful. Who does not know?

Not infrequently, the sibling issue is also an economic issue. In this regard, the question is “How expensive is a child?” not only of interest to first-time parents and not ticked off after purchasing the first equipment.

Different model calculations are circulating, based on different calculation bases. The easiest to understand is that of the Federal Statistical Office, which focuses on current consumer spending in its calculations.

So how much does a child cost per month? Children therefore cost an average of € 763. This means that the cost for a child up to the age of 18 amounts to almost € 165,000. Parents can begin to consider whether a sibling is a good idea.

How much do children cost before they start school?

The Federal Statistical Office reaches an annual total of around € 6,200 for the years leading up to the start of school. What a nice shot of money! It is only the current expenses for food, clothes, furniture, leisure, games, etc. The childcare expenses are not included here! And especially the latter is not so insignificant.

So let’s sum it up for a moment: So after the first six years we are already at € 37,000 plus the first equipment at around € 5,000 and the care costs at around € 3,600 a year. Total: € 60,000. Deviations are of course possible upwards and downwards.

How much does a child up to the age of 12 cost?

The older children get, the higher the demands on toys, media and consumer electronics. And as we get older, the clothes we want to have – whether we are boys or girls – also become more demanding. Statistically, the cost of a child per month amounts to € 669. Here, too, childcare costs for, for example, after-school or homework help are not included. And when it comes to family vacations, where parents usually have to pay in full for their offspring from the age of 12, we better not even start.

I do not really want to know …

… what could we parents do with this sum? A world trip? But then we would not have our wonderful children. Seeing them grow up loving unconditionally and enjoying the smallest things is irreplaceable and worth the money for me.

How much does a child cost per month until they turn 18?

A look at the statistics shows that children after the age of 12 become really expensive. The average monthly cost is then € 812. The main reason: The days of children’s meals are finally over, teenagers are constantly hungry and need lots and lots of food to grow. And those who are growing up need new clothes (€ 63 per month). Pocket money and spending on mobile phones etc. are now also things that should be taken seriously.

How much does a child up to 25 years old cost?

Unfortunately, this cannot be answered, because the general conditions are simply very different. A child starts learning but may stay home. This means that the cost is lower than for a child studying and moving out.

Some support the parents with a part-time job or their education salary, others are allowed to keep the money for themselves.

The larger the family, the lower the expenses per. inhabitant

The Federal Statistical Office also has good news for us parents: The more children living in a household, the lower the average cost for children. For we parents buy at least only part of the basic equipment for the first child and continue to use it with younger siblings.

And it saves money: Compared to the consumption consumption of 763 € per. per month in a one-child household, the cost for couples with two children is “only” 638 € and with three children 590 € per. child.

Not taken into account: insurance, care, working hours

The model calculation of the Federal Statistical Office includes only consumer expenses, but not pension and insurance costs. Studies that the parents may finance are not included in the calculation. Nor are necessary investments such as a larger car or a larger apartment taken into account.

Child benefit, parental benefit and the like support families

Parents should be able to afford the monthly costs for a child. Fortunately, the huge expenses for children are offset by some government benefits that leave a small balance in the account:

• Child allowance or child allowance
• parental benefit
• maternity allowance
• Housing benefit for families: Low-income families can apply for housing benefit, but only if they do not already receive other social benefits that take into account housing costs (eg unemployment benefit II).
• Child allowance: Low-income families can also apply for child allowance.

After answering the question “How much does a child cost?” now having been able to clarify, it is clear that having a child with its costs is something of a financial burden. But that’s not what family planning is all about. The love that we parents experience every day outweighs (almost) everything.

Sources: Federal Statistical Office

How many children do I have?

Image credit: Gettyimages / Liderina

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