Maternity Pay Planner
Built for parents in England

Plan your maternity leave with clarity and calm.

See your estimated household income before maternity leave, understand how it could change and build a savings plan before your baby arrives.

Calculate my maternity paySee what the £7.99 report includes
Uses current maternity pay, tax and benefit rules for England.
Preview

Your monthly income journey

March – August

Lowest month

£1,•••

Parent 1Parent 2Maternity payChild Benefit
Mar
Normal pay
£4,•••
Apr
90% pay
£3,•••
May
SMP
£2,•••
Jun
SMP
£2,•••
Jul
SMP
£2,•••
Aug
Unpaid
£1,•••

Suggested monthly save

£••• / month

Unlock £7.99
The problem

Not sure what you'll actually receive on maternity leave?

Maternity income doesn't stay the same. It can move through several stages, each paid differently — and Child Benefit can shift with your household earnings too.

Normal salaryEnhanced employer pay90% maternity payStatutory Maternity PayMaternity AllowanceUnpaid leaveChild Benefit
What you'll see

Clear answers for one of life's biggest changes.

Know your monthly income

See how household take-home pay could change across every month of maternity leave.

Find your potential shortfall

Understand the difference between your usual household income and maternity leave income.

Build a savings plan

See how much may need to be saved before your baby arrives — as one clear monthly target.

Compare leave lengths

Compare the financial impact of taking 9, 10 or 12 months of maternity leave, side by side.

How it works

Three steps. About five minutes.

01

Tell us about your household

Add your income, Child Benefit and any pension arrangements. Single-parent or two-parent — both supported.

02

Add your leave and maternity package

Enter your due date, planned leave and employer package (or Maternity Allowance). Custom stages welcome.

03

Unlock your personalised report

See your month-by-month income, lowest-income month, potential shortfall and a savings plan you can act on.

Free vs £7.99 report

Start free. Unlock your full plan when you're ready.

Free calculator

£0

Understand where your household stands today.

  • Estimated current take-home pay
  • Current household income
  • Current Child Benefit estimate
  • Basic maternity leave timeline
Start my free calculation
Most popular

Personalised maternity report

£7.99one-off, no subscription

See your exact month-by-month income, potential shortfall and a savings plan you can actually act on.

  • Exact month-by-month maternity income
  • Lowest-income month
  • Total potential shortfall
  • Suggested monthly savings target
  • Future Child Benefit estimate
  • 9, 10 and 12-month comparison
  • PDF report + CSV download
  • Saved online access
Get my personalised report for £7.99
A peek at the paid report

A savings plan you can act on.

Lowest-income month
£2,•••

August — mostly Statutory Maternity Pay with Child Benefit.

Total shortfall to save
£8,•••

The gap between your usual income and maternity leave income.

Suggested monthly save
£••• / month

Based on your due date and existing savings.

These figures are personalised in your £7.99 report.

Real families

Built for real families, not perfect financial scenarios.

We don't assume every household looks the same. The calculator adapts to your setup and speaks plain English throughout.

  • Single-parent households
  • Two-parent households
  • First-time and returning parents
  • Statutory Maternity Pay
  • Enhanced employer packages
  • Maternity Allowance
  • Child Benefit (incl. HICBC)
  • Student Loans & pensions
Good to know

Common maternity pay questions, answered simply.

How do I calculate my maternity leave pay?

Maternity leave pay usually comes in stages. If your employer offers an enhanced package, you may receive full or partial pay for a period, followed by six weeks at 90% of your average weekly earnings, then Statutory Maternity Pay for up to 33 weeks. Some parents also have unpaid weeks. Maternity Pay Planner works through each stage automatically using current England rules and shows the estimated household total for every month of your leave.

Calculate my maternity pay

How much will I get on maternity leave?

Statutory Maternity Pay pays 90% of your average weekly earnings for the first six weeks. After that, you'll get the lower of 90% of your average weekly earnings or the current statutory weekly amount for up to 33 more weeks. If your employer tops this up, your monthly income will be higher during those weeks. The paid report shows the exact monthly figure across your leave.

Calculate my maternity pay

How much should I save before maternity leave?

A good starting point is the difference between your usual household income and your estimated income during maternity leave, minus anything already set aside. Maternity Pay Planner turns that gap into a single monthly savings target running up to the end of the month before your due date — a realistic amount you can act on.

Calculate my maternity pay
FAQs

Frequently asked questions

You've got this

Feel clearer about your maternity leave finances.

Start with a free estimate of your current household income, then unlock your full maternity pay plan for £7.99.

Start my free calculationSee what the £7.99 report includes
Calculate my maternity pay