Big decisions for your growing family, explained plainly.
HarborPlain turns the tangled financial, legal, and health choices of new parenthood into clear numbers and simple next steps. No jargon, no sales pitch.
Free tools for new parents
20 calculators and checklists, grouped by where you are. Each runs in your browser and answers with a number.
Expecting a baby
Coverage and prep before the birthPregnancy Week-by-Week Tracker
See your current week, trimester, and countdown, with a checklist of the money and legal decisions to make before the birth.
Open tool →HDHP vs PPO Baby Cost Comparator
Compare the total annual cost of an HDHP (with HSA) and a PPO for a childbirth year: premiums, deductible, coinsurance, and out-of-pocket max. Computes both from your numbers; no assumed winner.
Open tool →Hospital Bag Checklist
A tickable packing list for the birth: what to bring for you, the baby, and your partner, plus the paperwork. Saved on your device, printable, no medical advice.
Open tool →The newborn year
What the first months actually costBaby Cost Calculator
Estimate your baby's first-year cost: adjust eight categories, compare feeding and childcare scenarios, and see the monthly figure.
Open tool →Nanny Tax Calculator
The true cost of a nanny: Social Security, Medicare, FUTA, and state unemployment taxes on top of wages, then a nanny vs daycare comparison that flips with the number of children.
Open tool →Life Insurance Needs Calculator
The detailed DIME worksheet (debts, income, mortgage, and education, minus what you already have) for a precise, obligation-based number, with an illustrative 20-year term premium.
Open tool →Planning ahead
Savings and the legal safety net529 vs UTMA Comparator
Project what a 529 plan and an UTMA account would each be worth at 18, and see how they differ on taxes, control, and financial aid.
Open tool →Custodial Roth IRA Calculator
See what a working child's custodial Roth IRA could grow to by retirement: small early contributions, capped at earned income, compounding tax-free for decades.
Open tool →Will & Guardianship Checklist
Tick through the guardian, will, and beneficiary decisions that protect your child, then print the summary for your attorney.
Open tool →What we help you decide
Insurance
How much life and disability cover a growing family actually needs, and how to size it without an agent.
Money
529s vs UTMA, the real cost of a baby, and the savings decisions that pay off over eighteen years.
Legal
Wills, guardianship, and the paperwork that protects your child if something happens to you.
Health
Pediatric basics, postpartum recovery, and the checkups worth tracking week by week.
20 free tools are live, with new guides added regularly. Numbers are checked against a named source where one exists; where none does, the figure is labeled an estimate or rule of thumb; see the editorial policy.