Statutory Maternity Pay calculator UK
Calculate SMP — then see what it means for the rest of your maternity leave.
Use Bump & Balance to model the 2026/27 Statutory Maternity Pay stages alongside your normal take-home pay, household costs, baby spending and savings.
UK planning tool · 2026/27 rates · free to use
SMP is not one flat payment
The first six weeks and the following statutory weeks use different rules, so averaging the whole period can hide when your household income actually drops.
Paid weeks can end before leave ends
SMP can run for up to 39 weeks, while maternity leave may continue beyond that. The planner keeps those periods separate.
Turn the drop into a savings target
Once your expected income is combined with real household spending, Bump & Balance estimates how much you may want put aside before leave begins.
Common questions
Maternity money planning, in plain English
What is the 2026/27 Statutory Maternity Pay rate?
For eligible employees, the first six weeks are normally 90% of average weekly earnings. The next 33 weeks are normally £194.32 a week or 90% of average weekly earnings if lower.
How many weeks is SMP paid for?
Statutory Maternity Pay can normally be paid for up to 39 weeks if you qualify.
Does this check my legal eligibility for SMP?
No. Bump & Balance is a planning tool. Eligibility depends on employment, earnings, notice and other statutory conditions, so confirm that with your employer and GOV.UK.
Does the calculator show take-home pay?
The wider Bump & Balance planner uses take-home planning assumptions to model household cash flow, but it is not an exact payroll or tax calculation.
See the statutory pay — and the household gap around it.
Build one plan that combines SMP, spending, baby costs, savings and the leave length you actually want.
Build my maternity plan