Reviewed by the Penny Time editorial team

Part of our Saving hub.

Christmas Budget per Child: What Families Actually Spend

Americans planned to spend an average of $1,007 on Christmas gifts in 2025, according to Gallup. For gifts to your own kids, a common range is $100 to $300 per child. Below you will find what families at different incomes spend, a sample per-child budget at three levels, and a small gift budget your 8-14 year old can manage on their own.

TL;DR: Gallup 2025 put the average planned gift spend at $1,007 per adult, from $651 in households under $50k to $1,479 at $100k and up. Pick one total you can pay in cash by January and divide it evenly between your kids. Then give your 8-14 year old a small gift budget of their own, roughly $5 to $15 per person on their list.

What US families spend on Christmas

These are the most recent national surveys, from the 2025 season unless noted. They measure what people planned to spend, asked in October.

Measure Amount Source
Average planned Christmas gift spend, all adults$1,007Gallup, Oct 2025
Households earning under $50,000$651Gallup, Oct 2025
Middle-income households$847Gallup, Oct 2025
Households earning $100,000 or more$1,479Gallup, Oct 2025
Holiday gifts per person (family and friends)$627.93NRF, Oct 2025
Total holiday spend per person, including food and decorations$890.49NRF, Oct 2025
Gifts per child (moms of kids up to age 5)$173What to Expect poll, Oct 2024

Two more numbers from the same surveys help with planning. In Gallup's poll, 37% of adults expected to spend $1,000 or more, while 31% planned to keep it under $500. And the NRF found that 42% of shoppers planned to start before November, which is the easiest way to spread the cost over more paychecks.

The only US per-child figure we could find ($173) comes from parents of young children. Gifts for an 8-14 year old often cost more per item: a game, headphones or a pair of sneakers can take most of a $173 budget alone. That is why a per-child total works better than a gift count once your kids reach this age.

How to set your Christmas budget in 4 steps

  1. Pick the season total. Use the amount you can pay off by the January statement, not the amount that fits on a card. If you have not set money aside, look at what is left after bills in your October, November and December paychecks.
  2. Split it into buckets. Gifts for your kids, gifts for everyone else, food, and decorations and extras. The NRF numbers suggest gifts take about 70% of a typical holiday budget.
  3. Set a per-child amount. Divide the kids' gift bucket evenly. Give each child the same dollar amount, whatever the number of boxes.
  4. Track every purchase. A note on your phone works. Cross each gift off with what it cost, so the overspend shows up in November and not in January.

Sample per-child Christmas budget at 3 levels

This is an example split, not survey data. It uses the four gift rule (something they want, something they need, something to wear, something to read) plus a stocking. Move the dollars around to fit your kid.

Slot $100 per child $200 per child $300 per child
Something they want (main gift)$45$90$140
Something they need$15$30$45
Something to wear$15$30$45
Something to read$10$15$20
Stocking$15$35$50
Total$100$200$300

Worked example: a family with two kids sets a $900 season total. They put $400 toward their own kids, $200 per child, $250 toward grandparents, teachers and cousins, $150 toward food and $100 toward decorations and wrapping. Each child's $200 follows the middle column above.

Give your 8-14 year old their own gift budget

Christmas is one of the few times a year when kids spend money on other people, which makes it a good practice round for budgeting. Hand over a fixed amount, let them make the list, and let them make the trade-offs. Have them try our free kids budget planner first: they list each person, set a cap and see the total before anything gets bought.

Age People on their list Per person Their total Who pays
8-103-4 (parents, siblings)$5$15-$20Mostly you, plus a few dollars of their own
11-124-6 (add grandparents or a friend)$5-$10$20-$50Split about half and half
13-145-8 (add friends)$10-$15$50-$100Mostly their own money, with you topping up family gifts

These are our suggested amounts, not survey figures. Scale them to your own budget.

Ages 8-10: small list, real choices

Keep the list short and the amount in cash or a clear number they can see. At this age, $5 per person means they have to choose one thing over another. A homemade gift plus a small store-bought one is a fine answer.

Ages 11-12: comparing prices

Kids this age can compare two options for the same person and see what the cheaper one leaves for someone else. Ask them to write the price next to each name before you go to the store or open a shopping site.

Ages 13-14: their own money, their own list

Teens often want to buy for friends, and friend gifts are where budgets break. Agree on a friend cap up front, such as $10 each, and let them pay for it from their own allowance or job money. If they overspend on one friend, the next one gets less. They feel that trade-off themselves, which sticks better than a lecture.

Common Christmas budget mistakes

  • Leaving the stocking without a number. Small stocking items add up fast, so give it its own line.
  • Counting gifts instead of dollars. One teen gift can cost more than five gifts for a younger sibling. Equal dollars feel fairer than equal boxes.
  • Forgetting everyone else. Teachers, coaches, cousins and a gift exchange can match what you spend on your own kids. List them before you shop.
  • Starting in December. A late start pushes the whole cost into one or two paychecks.

If relatives ask what to give, cash or a savings boost is a good fit for this age. Our creative ways to give kids money for Christmas page has ideas by age and budget.

When relatives give your kid Christmas money, you can add it to their Penny Time balance with a note, so the gift shows up in the same place as their allowance.

Educational only, not financial advice. Survey figures are national averages and plans; your family's budget should start from your own income and bills.

Sources

Frequently Asked Questions

Raise kids who understand how money works

Download the app, add your child, and connect their phone or tablet by scanning a code. About a minute, no email needed for kids.

How setup works for you and your child →

No ads. No data selling. No credit card.

Put this into practice this week

Add your child in Penny Time and, on their own phone or tablet, they can watch a real balance grow, take on quests, and ask for cash-outs you approve. Free for the whole family.

Last updated: