Can I model full pay followed by half pay?

Yes. Bump & Balance can model employer maternity pay as stages before statutory or unpaid periods.

Does the calculator know my employer policy?

No. Enter the written stages from your own maternity policy and confirm unclear wording with HR or payroll.

Enhanced maternity pay calculator UK

Model your employer's maternity package without forcing it into a standard template.

Enter the stages from your employer's policy — full pay, percentages, fixed amounts or statutory periods — and see how the package affects the household month by month.

UK planning tool · 2026/27 rates · free to use

Multi-stage employer maternity packages

Enhanced pay followed by statutory pay

Custom weekly or monthly amounts

Savings impact after enhanced pay ends

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Employer schemes vary

There is no single enhanced maternity pay formula. The useful input is the package written in your own maternity policy, entered stage by stage.

The end of enhanced pay matters

A generous first few months can make the later statutory or unpaid period easy to underestimate. Bump & Balance keeps the whole leave in the same timeline.

See whether the early surplus needs protecting

If enhanced pay leaves extra money at the beginning of leave, the plan can show whether it may be needed later when income falls.

Household planning stays separate from HR

Your employer package is only one input. The plan remains private and focused on your household rather than becoming an employer-facing tool.

Maternity money planning, in plain English

What is enhanced maternity pay?

It is contractual or occupational maternity pay offered by an employer above the statutory minimum. Schemes differ between employers.

Can I enter full pay followed by half pay?

Yes. Bump & Balance can model maternity pay as stages so you can reflect the structure in your employer policy.

What if my policy says half pay plus SMP?

Use the wording of the policy carefully. Some packages include SMP inside the stated amount while others add a top-up. Confirm ambiguous wording with payroll or HR.

Can enhanced pay have a return-to-work condition?

Some employer schemes include repayment or return-to-work conditions. Check your written policy because the calculator cannot determine your contractual obligations.

Turn your employer's maternity policy into a household plan.

Model the good months, the lower-pay months and the unpaid period together before deciding how long you want to be off.

Build my maternity plan