Maternity Pay Calculator UK
Our maternity pay calculator helps you estimate how much you could receive during maternity leave in the UK. It supports Statutory Maternity Pay (SMP) for the 2026/27 tax year and also lets you model enhanced maternity pay if your employer offers more than the statutory minimum.
This is useful if you want to understand both your statutory maternity pay entitlement and how your employer’s maternity policy could affect your weekly income, overall gross pay and estimated take-home pay across your maternity leave period.
What this maternity pay calculator shows
This tool can estimate:
- Statutory Maternity Pay (SMP) for the 2026/27 tax year
- The first 6 weeks at 90% of average weekly earnings
- The remaining statutory period at the weekly statutory rate or 90% of average weekly earnings if lower
- Enhanced maternity pay using custom weekly rule blocks
- Total gross maternity pay across maternity leave
- Estimated net pay after tax, National Insurance, pension and student loan deductions
- Weekly maternity pay schedules and breakdowns
How to use the maternity pay calculator
Enter the pay information needed by the calculator, including your earnings and any relevant tax settings. The calculator can use the statutory maternity pay structure from your database and then combine that with any enhanced employer rules you add.
If your employer offers enhanced maternity pay, you can build the policy using weekly rule blocks. For example, you may enter periods such as full pay, half pay plus SMP, SMP only or unpaid weeks.
How maternity pay is worked out
Statutory Maternity Pay is normally based on average weekly earnings. In a standard SMP structure, the first part of maternity pay is based on a percentage of earnings, and the later part is paid at the statutory weekly rate or a lower earnings-based amount where applicable.
This calculator is designed to use the 2026/27 maternity pay settings from your database. It then layers in the employer rule blocks entered by the user to produce an estimated gross and net pay schedule.
Enhanced maternity pay
Employer maternity schemes vary widely. Some employers may offer full pay for a set number of weeks, some offer half pay plus SMP, and others may provide a mix of enhanced and statutory payments. Rather than trying to guess your exact employer policy, this calculator lets you enter the weekly rules that apply to your own situation.
Why estimated take-home maternity pay can differ from payroll
Even where the gross maternity pay pattern is clear, your actual take-home pay can still vary because of payroll timing, tax code treatment, pension settings, student loan deductions, salary sacrifice arrangements, benefits, and the way your employer processes maternity payments across payslips.
That is why this calculator is most useful as a planning tool rather than an exact payroll replica.
Who this calculator is useful for
This tool may be helpful if you are:
- Checking likely Statutory Maternity Pay (SMP)
- Reviewing an enhanced maternity pay policy from your employer
- Planning household income during maternity leave
- Comparing different employer maternity schemes
- Trying to understand how maternity leave may affect both gross and net income
Important note
This calculator provides an estimate only. Actual maternity pay can vary depending on your employer’s policy, payroll dates, KIT days, pension settings, tax code treatment, benefits, salary sacrifice arrangements, and other payroll-specific factors.
Use the UK Fin Lab maternity pay calculator
Use the UK Fin Lab maternity pay calculator above to estimate SMP, model enhanced maternity pay, and understand how maternity leave could affect both your gross and estimated net income.