Your Finances
Enter your numbers once. Your maternity pay, take-home, household view, and Child Benefit calculate together, not four separate forms asking you the same question four times.
How this page works
1. Fill in the details below, just your earnings and family situation to start. The optional sections (partner income, enhanced pay, childcare) only matter if they apply to you, skip anything that doesn't.
2. Press "Calculate my numbers" once, everything below updates together.
3. You'll get: your maternity pay week by week, your real take-home during leave, a full pay schedule you can print, and (if relevant) a household view, a childcare comparison, and a Child Benefit figure.
Your Details
We'll use this as your average weekly earnings for the maternity pay calculation too, if your qualifying-week average is different (bonuses, a recent pay rise, variable hours), use the box below instead.
My average weekly earnings for maternity pay purposes are different
My employer offers enhanced maternity pay
This is for the Child Benefit calculation, it uses whichever of you earns more, not your combined income.
Include a partner's income in a joint household view
Compare against childcare costs
Once entered, we'll automatically show how this compares if you worked 5, 4, 3, or 2 days a week, no need to work out percentages yourself.
A note on your pension
Your employer's pension contributions must be based on your normal salary, not your reduced SMP, throughout your paid maternity leave (up to 39 weeks), this is a firm legal rule, not something they can quietly reduce because your pay has dropped. Your own contributions are based on what you actually receive, and during any unpaid weeks (40–52), neither side has to contribute unless you have a salary sacrifice arrangement. See Your Legal Rights for more.
You can opt out of your own contributions if money is tight during the lower-pay weeks, but doing so usually also stops your employer's matching contribution, which is effectively free money you'd be giving up. Where possible, it's worth continuing at least the minimum contribution rather than opting out entirely, even if you reduce it temporarily.
Statutory Maternity Pay
Your Pay Schedule
Every period of your leave, week by week, this is what actually lands in your account and when.
Statutory Pay Only
With Your Enhanced Maternity Pay
Your Real Take-Home Pay
This is an estimate based on standard tax code 1257L and doesn't account for student loans, pension salary sacrifice, or other deductions. For an exact figure, check with your payroll team or HMRC.
Joint Household View
Working Pattern Comparison
Child Benefit
Universal Credit, Is It Worth Checking?
We don't calculate an exact Universal Credit figure here, UC depends on savings, housing costs, and rules that change often, and getting that number wrong could mean planning around income that doesn't arrive. Instead, here's your situation summarised, ready to paste into an official calculator.