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Can we afford a baby
in 18 months?

Daycare and a year on a lower income add up. Ahead puts it all on your real forecast so you can see it before you decide.

Can we afford a second kid in about 18 months?

Ahead

With twelve months of lower income and daycare added to your forecast, here's how it looks:

  • The tight stretch is months 4 to 14 after birth, where spare cash dips slightly negative (about −$160 a month).
  • Building a $6,000 buffer between now and then covers that dip completely.
  • Paid parental leave and the childcare subsidy soften the landing more than most people expect.

Buffer to stay positive

$6,000

saved over 18 months

What Ahead looked at

Income through parental leave
Daycare and the childcare subsidy
Current spare cash and buffers
Existing goals and the mortgage

Worked example. Figures are illustrative, built from sample data to show how Ahead models a scenario. Ahead gives you a plan and a second opinion from your own numbers. It isn't a product recommendation.

What you can count on

  • Your bank data is shared read-only under Australia's Consumer Data Right (CDR).
  • Ahead is a CDR Representative of Fiskil, an ACCC-accredited CDR principal.
  • Hosted in Australia (Sydney). Your data never leaves the country.
  • We can't touch your money.
  • Revoke your consent in two taps. Cancel your subscription in two taps.
  • No ads. No data sold to anyone.

Now ask it about your money.

Connect your bank read-only and model this against your real numbers in about 60 seconds.

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