Maternity Pay Calculator (UK-style estimate)
Use this tool to estimate your paid maternity leave amount based on average weekly earnings and statutory rates.
How this calculator works
This maternity pay calculator gives you a planning estimate. It uses a common UK-style structure:
- Phase 1: First few weeks paid at 90% of average weekly earnings.
- Phase 2: Remaining paid weeks paid at the lower of 90% earnings or statutory weekly rate.
- Optional employer top-up: Added to each paid week if your company policy offers enhanced maternity pay.
The result includes total gross maternity pay, average weekly amount, and an optional estimated net figure after deductions.
Inputs you should prepare
1) Average weekly earnings
Your average weekly earnings are usually calculated from your salary in a qualifying period before your expected week of childbirth. If you are not sure of the exact figure, check your employer letter or payroll records.
2) Number of paid weeks
Many people calculate for 39 weeks (typical statutory paid period), but you can choose fewer weeks for scenario planning.
3) Statutory weekly rate
This is updated by government each year. If your expected leave starts in a future tax year, use the upcoming rate for a better estimate.
Understanding maternity pay in practical terms
Household cash flow often changes significantly during maternity leave. A clear estimate helps you plan ahead for rent or mortgage payments, childcare deposits, bills, and emergency savings.
| Planning Area | Why it matters | Quick action |
|---|---|---|
| Income drop | Pay often falls after the higher-paid initial weeks. | Create a month-by-month spending plan. |
| Partner income | Combined household income may carry more weight. | Review both pay dates and shared bills. |
| Employer enhancements | Some policies offer top-up pay beyond statutory minimums. | Request written policy from HR. |
| Benefits and support | You may be eligible for additional support depending on circumstances. | Check official government guidance early. |
Example calculation
Suppose your average weekly earnings are £500, paid weeks are 39, first phase is 6 weeks, and statutory rate is £184.03:
- Weeks 1–6: 90% of £500 = £450 per week
- Weeks 7–39: lower of £450 and £184.03 = £184.03 per week
- Total estimate: (6 × £450) + (33 × £184.03) = £8,772.99
If your employer offers a top-up, that amount can materially change your total. Enter it in the calculator to see the difference instantly.
Budgeting tips for maternity leave
Build a pre-leave buffer
Even a modest savings target can reduce stress. Consider setting aside one month of essential expenses before leave begins.
Model two scenarios
Run a best-case and conservative estimate. For conservative planning, use a lower income assumption and higher expense assumption.
Track fixed vs flexible spending
Fixed costs (housing, utilities, insurance) are harder to change quickly. Flexible categories (subscriptions, eating out, discretionary shopping) provide faster adjustment options.
Important note
This page provides an educational estimate, not legal or payroll advice. Final maternity pay depends on your jurisdiction, eligibility, contract terms, salary timing, and employer policy. Always confirm exact figures with your HR team, payroll provider, or official government resources.