Estimate only. Tax, NI, salary sacrifice, enhanced employer maternity packages, and policy changes are not included.
How this maternity statutory pay calculator works
This maternity statutory pay calculator estimates Statutory Maternity Pay (SMP) using the standard UK structure. If you qualify, SMP is usually paid for up to 39 weeks. The first 6 weeks are paid at 90% of your average weekly earnings, and the remaining 33 weeks are paid at the lower of 90% of your average weekly earnings or the standard SMP rate.
The calculator gives you an easy view of your expected weekly amounts, phase totals, and an overall total. If you enter a start date, it also generates a weekly payment schedule so you can plan your household budget during maternity leave.
Typical SMP formula
Weeks 1 to 6
Payment is normally:
- 90% of average weekly earnings
Weeks 7 to 39
Payment is normally the lower of:
- 90% of average weekly earnings, or
- The standard weekly SMP rate (updated by the government each tax year)
Eligibility basics (quick checklist)
This tool includes a simple earnings threshold check using the lower earnings limit you enter. In real-life payroll practice, eligibility also depends on employment timing and notice requirements. As a simple planning guide, check that you:
- Are employed by your employer in the qualifying period
- Have average weekly earnings at or above the lower earnings limit
- Provide the right notice and documentation (such as MATB1 when required)
- Take maternity leave in line with your employer policy and UK law
Why this calculator is useful for planning
Many people assume maternity pay stays constant each week, but SMP has two phases. That shift from a higher first phase to a capped standard rate can affect savings plans, bills, and return-to-work decisions.
Using this calculator can help you estimate:
- Total pay across your selected leave period
- How much comes during the first 6 weeks vs later weeks
- Whether your monthly budget still works once payments reduce
- How much buffer you may want in emergency savings
Important notes about real payroll outcomes
Tax and National Insurance
SMP is usually paid through payroll and is generally subject to tax and National Insurance in the normal way. This page shows gross estimates, not your final take-home amount.
Enhanced maternity pay
Some employers offer enhanced maternity packages (for example, full pay for part of leave). If you receive enhanced maternity pay, your actual payments may be higher than this calculator estimate.
Changing rates
Government rates can change each tax year. You can update the standard weekly SMP rate in the calculator to keep your estimate current.
Final thoughts
If you are preparing for maternity leave, a clear cash-flow plan can lower stress and improve decision-making. Use this maternity leave pay estimate as a starting point, then compare it with your payslips, HR policy, and official guidance. If your situation is complex, ask your payroll team or a qualified adviser for personalized support.