Childcare vs staying home calculator

Does the second income still pay?

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Take-home salary

Monthly childcare

Commute & work costs

Net gain from working

$1,230

Yearly

$14,760

With these inputs, net gain from working comes to $1,230. Yearly works out to $14,760.

What moves the number · Net gain from working

Input	−10%	Now	+10%
Take-home salary	$910	$1,230	$1,550
Monthly childcare	$1,395	$1,230	$1,065
Commute & work costs	$1,262	$1,230	$1,198

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Does the second income still pay?

With the defaults above, net gain from working works out at $1,230.