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How is CG Invent?
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The budget is simple.
All of it, every single penny you make until they finish college
And it’s worth it.
Before kids, I maintained a checking of over 100k. And that was normal..
2kids, a wife and two homes later.., totally embarrassed to share lol
Why can’t you re-use stuff? No online calculator will have enough flex to account for lifestyle choices. Main lever is to increase income.
I have 3. Basics will get more expensive every year. So will activities. Childcare drops after all are in school (unless you do private).
Good luck
Estimate high then double it.