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 calculators
Life Insurance Calculator
Quick estimateA quick 10-second ballpark from the 10× income rule: a fast starting point, no line-by-line breakdown. Want an exact figure? Use the detailed DIME calculator.
Open tool →Baby Cost Calculator
Estimate your baby's first-year cost: adjust eight categories, compare feeding and childcare scenarios, and see the monthly figure.
Open tool →529 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 →College Savings Goal Calculator
Set a college-cost target and see the monthly saving required to hit it, with college inflation and growth on what you already have.
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 →Pregnancy 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 →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.