Stoia

New Baby Money: The Nine-Month Head Start

Childcare math, a deeper emergency fund, college savings, and the paperwork nobody mentions. A calm financial checklist for new parents.

For expecting and brand-new parents.

  1. Free tool50/30/20 Budget CalculatorRebuild the budget around childcare before the first invoice.
  2. GuideHow Much Emergency Fund Do You Really Need?A dependent means a deeper cushion: recalculate yours.
  3. Free toolEmergency Fund CalculatorPut a number on the new target and a date on reaching it.
  4. Free toolSinking Fund CalculatorPre-fund the predictable: daycare deposits, gear, medical bills.
  5. Free toolCollege Savings CalculatorSee what starting a 529 this year vs at age five changes.
  6. Free toolLife Insurance CalculatorA dependent changes the math: size coverage with the DIME method.
  7. GuideHow to Budget as a Couple: Yours, Mine, and OursOne income for a while? Re-pick the merge model together.

See your whole financial picture, calmly

Stoia brings everything you own and owe into one clear view. Launching in 2026 on iOS, Android, and the web.

Coming soon