All tools.

Start with the money you need for yourself and work back to the business revenue and day or hourly rate that would support it, with the costs, tax and assumptions shown.

Estimate your take-home month by month on Statutory Maternity Pay or Maternity Allowance, employed or self-employed, then plan a household buffer for your time away.

Model quieter and stronger months, explore contribution approaches and see an illustrative retirement outcome.

Estimate your tax bill, see what to set aside from every payment, and get your Self Assessment and Making Tax Digital dates in one place.

Answer a few questions to find the payments, benefits and entitlements worth checking as a new parent, across all four UK nations, with a checklist of where to apply.

Compare working three, four or five days after leave and see how take-home pay, childcare costs, government support and your pension fit together.

A calm check-up of your cash cushion, pensions, protection, life admin and saving for your child, turned into small steps for now, soon and later.

See what your cash really covers once tax and other set-asides are taken out, then map the next 13 weeks of money in and out to find the tightest point.

Explore a business cost, work through the questions the guidance turns on, and build a checklist to take to your accountant. Questions to discuss, not a list of approved expenses.