Ray for Parents
Family finances that actually make sense
Childcare costs, education savings, growing expenses, and shrinking free time. Ray tracks it all so you can focus on your family.
The challenge
Childcare costs are overwhelming
Daycare is $1,800/month. That's more than your car payment, student loans, and groceries combined. Planning around it requires knowing exactly where every other dollar goes.
Education savings feel impossible
You should be saving for college, but between diapers and daycare, 529 contributions feel like a luxury. You don't know if $100/month is enough or pointless.
Expenses grow faster than income
Every year adds soccer fees, school supplies, bigger clothes, more food. Your raise didn't cover the increase and you can't pinpoint where the budget broke.
No time to manage money
Between work, kids, and keeping the house running, you haven't opened your budgeting app in three months. Financial planning requires time you don't have.
How Ray helps
Family expense tracking on autopilot
Ray categorizes everything automatically. Ask a question in 10 seconds instead of spending an hour in a spreadsheet.
❯ how much are we spending on kid-related expenses?Education savings projections
Ray projects what your current 529 contributions will be worth at enrollment and tells you if you're on track or need to adjust.
❯ if I save $200/month for college, what will we have in 15 years?Budget impact analysis for big decisions
Thinking about a second kid, a bigger house, or switching to one income? Ray models the impact on your actual budget.
❯ can we afford for one of us to go part-time?Yearly cost-of-kid tracking
Ray calculates what your kids cost year over year so you can plan for increases instead of being surprised by them.
❯ how much more are we spending on the kids this year vs last year?Your second child starts daycare next month. That's another $1,600/month. You're already tight on the budget and haven't contributed to the 529 in four months.
❯ with the second kid in daycare, can we still save anything?
Your current monthly surplus is $820 after all expenses. Adding $1,600 for daycare puts you $780/month in the red. Here are your options: your dining and entertainment spending is $640/month — cutting that in half saves $320. Your streaming subscriptions total $89/month across 6 services. And you're paying $210/month on a gym membership neither of you has used since January. Those three changes get you to roughly break-even. The 529 contributions ($200/month) should pause until the oldest moves to preschool in 14 months — at that point daycare drops by $400/month and you can resume saving.