Your details
Need a bit more help understanding maternity leave policies?
Use the guide to check common policy wording, enhanced pay stages, unpaid leave and what questions to ask payroll before you plan your dates.
Read the maternity pay guideMaternity pay calculator
Estimate your maternity pay before leave starts
Use this for a quick planning estimate based on GOV.UK Statutory Maternity Pay rates for the 2026/27 tax year.
If your employer offers enhanced maternity pay, switch it on below for a simple breakdown. The estimate is intentionally broad, so use the full planner for a month-by-month view of your leave.
Estimated total take-home pay during maternity leave£0.00After-tax estimate using 85% for full/enhanced pay and 95% for standard SMP
Estimated take-home income gap during maternity leave£0.00Compared with £0.00 estimated usual take-home over the same leave
Estimated take-home monthly average during maternity leave£0.00Uses 85% for full/enhanced pay and 95% for standard SMP, averaged over 1 weeks
Quick monthly overview
Simple pay stages
These stage amounts are shown before tax because SMP and most workplace maternity policies are set weekly before deductions. The coloured boxes above turn the overall estimate into broad take-home figures.
Planned leave length1 weeks
Estimated usual take-home over leave£0.00After tax. This is the broad estimate of what you might normally take home over the same leave length.
Estimated normal monthly take-home£0.00After tax. Uses a simple 85% take-home assumption.
Standard SMP weekly rate£0.00Before tax. This is the standard weekly SMP amount used in the pay stages.
Enter your pay before tax to see a maternity pay estimate.
Unpaid leave1 weeks, about 0.23 months
- Weekly
- £0.00
- 4-weekly
- £0.00
- Monthly equivalent
- £0.00
Drop from normal gross monthly pay: £0.00
This is the part of leave after SMP or enhanced pay has ended, based on your planned leave dates. Figures in this stage are before tax and deductions.This is a broad estimate. Full pay, enhanced pay and the first 6 weeks of SMP use an 85% take-home assumption. Standard SMP weeks use 95% because deductions are usually lower when pay drops. Tax, National Insurance, pension, benefits, salary sacrifice and payroll timing can all affect actual take-home pay, so this is not a payslip-by-payslip forecast.
Full planner
Make the numbers more personal to you
This calculator gives a quick estimate using broad assumptions. The full planner lets you add more of your own details, so the take-home estimates can feel more personal and easier to compare with your normal pay.
It also gives you a workbook you can keep and refer back to during maternity leave, with weekly detail, month-by-month forecasts, savings targets, baby costs, nursery fees and leave length comparisons in one spreadsheet.