TOOLS & GUIDES
Maternity leave money planner.
Built for UK parents expecting Statutory Maternity Pay or Maternity Allowance, employed or self-employed. See what you could actually get paid month by month, put your employer’s package on a timeline, and work out what your household needs to cover the gap. A few minutes, no account, and your figures stay on this device.
Take-home pay month by month
Your employer’s package on a timeline
Household buffer and pension
Part of:
Becoming a parent
ASSUMPTIONS AND SCOPE
What the planner covers, and what it doesn’t.
WHO IT’S FOR
UK parents expecting Statutory Maternity Pay or Maternity Allowance, including the self-employed rate. It is not built for shared parental leave.
RATES USED
2026/27 Statutory Maternity Pay and Maternity Allowance rates and tax thresholds, from GOV.UK.
STATUTORY PAY
90% of average weekly earnings for six weeks, then the flat rate (or 90% if lower) for up to 33 weeks. Any remaining leave is unpaid.
ENHANCED PAY
Your employer’s package is modelled from the phases you enter. It cannot reproduce your exact payroll calculation.
TAKE-HOME ESTIMATE
Income Tax, National Insurance and pension contributions are estimated from the payslip details you give.
HOUSEHOLD BUFFER
Based on the spending, other income and savings you enter. It is a planning aid, not a check of what you can afford.
This is an illustrative estimate based on what you enter and published rates. It isn’t tax or financial advice, and it doesn’t replace your employer’s payroll figures or HMRC guidance. If you save a plan, it stays in your browser on this device and nowhere else.
Model version v2
GUIDES TO HELP YOU EXPLORE
Read alongside the planner.
KEEP READING
What happens to your pension on maternity leave?
What you pay in, what your employer pays in, and the questions to ask payroll before your maternity pay drops.
Read the guide