Stay At Home Mom Cushion Calculator

See how long you can comfortably stay home with your little one(s).

Who's Idea Is It To Have A Stay-At-Home Parent?

• mine
• my partner's
• both

Do You Have A Post-Nup?

• of course!
• not yet!
• what's a post nup?
• we don't need one!

See All Options

Who's In Charge Of The Family Finances?

• me
• my partner
• both

How Long Do You Want To Be At Home?

• 1-2 years
• forever
• other

Frequently Asked Questions

How Are Stay-At-Home Moms Able To Stay Home?

 Stay-at-home moms are incredibly creative with their income sources. They tend to use multiple streams that serve different financial needs.

When Can A Stay-At-Home Mom Create a Post-Nup?

Any time before or during her stay-at-home mom journey.

Similar to how couples need a marriage certificate to be legally married in America, a post-nuptial agreement is simply the written instructions (which are also legally-binding), after marriage, between spouses. It allows the couple to explore expectations of each party and can even promote in-depth conversations about new and/or evolving family dynamics.

We equate the process to pre-marital counseling and creating a will or trust. Post-nups can be incredibly clarifying for stay-at-home moms and can be most effective when reviewed and updated regularly.

How To Make Financial Goals Fun?

Whether you're building a portfolio on Robinhood, or growing affiliate income, milestone calculators can help you guesstimate how long it will take to reach financial goals.

How To Calculate Shared Earnings With A Spouse?

Some couples will use a flat rate or a percentage of the spouse's earnings to compensate the stay-at-home parent. Either approach can support the family’s decision to have one parent focus on the inside while the other focuses on the outside.

How Much Does One Parent Need To Make?

Some moms may feel more financially secure knowing that their partner can replace their current salary. This can be true for moms who make more, less, or the same as their spouse.

How To Minimize Costs As A Stay-At-Home Mom?

Some of the best hang-out spots for stay-at-home moms are libraries and playgrounds. Both are FREE spaces where new families connect. Libraries often plan weekly playgroups and story times designed specifically for little ones. And playgrounds often have local families that will spend the entire day there.

Another strategy is to go line-by-line through the family budget to see if anything can be trimmed. For example, are there subscriptions that aren't being used or any discounts for your phone bill? While minimizing costs can be helpful, stay-at-home moms also seek out baby-friendly income sources. Because the world is becoming more and more digital, there are so many opportunities to participate in the global economy from home.

What Are Baby-Friendly Income Sources?

Baby-friendly income sources are ways of earning a living without separating from your little one. For example, maintaining an Amazon Live Store, where you can get paid streaming the products you love.

Does Where You Bank Matter?

When it comes to being a stay-at-home mom, where you bank definitely matters. This simple decision can result in a bank that helps you grow your funds versus deplete them. For example, some institutions require setting up direct deposit for the account to be free. Since it's quite common for stay-at-home moms to manage multiple accounts (personal and family) they may have direct deposit for one and not the other.

There are a few institutions that do an excellent job serving stay-at-home moms and their unique needs. The infographic above highlights features we think are stay-at-home mom-friendly. We also created a growing list of calculators specific to a home-focused career.

Before You Become A Stay-At-Home Mom

The following is a checklist we would have given to our younger selves. Some items (like talking to your employer) are meant for before your transition, while others (like restructuring finances) may need to be done repeatedly throughout your journey. You can totally make this list your own by adding and/or deleting items.