United Kingdom Employment

Statutory Maternity Pay (SMP) Calculator UK (2026)

Calculate Statutory Maternity Pay (SMP) weekly and total amounts over 39 weeks based on average weekly earnings.

United Kingdom Calculator

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Move the sliders or type exact numbers. Results update instantly.

GBP
GBP 123GBP 5,000

Instant Estimate

Your Results

Total Statutory Maternity Pay (39 Wks)

£9,583

Based on your selected maternity pay uk assumptions. Try different sliders to compare scenarios.

First 6 Weeks (Per Week)

£585

Next 33 Weeks (Per Week)

£184

Average Monthly SMP

£1,065

These are planning estimates, not tax, legal or investment advice. Country rules, lender policies and tax rates can change.

How to Use the Maternity Pay UK

1

Enter Average Weekly Earnings (AWE)

Input your average gross weekly pay during the 8-week qualifying reference period.

2

Review 39-week payment schedule

See your weekly entitlement for the first 6 weeks and the subsequent 33 weeks.

3

Examine monthly cash-flow equivalent

Understand your monthly average income while on Statutory Maternity Leave.

Formula & Calculation Methodology

First 6 Weeks: 90% of AWE | Next 33 Weeks: Lesser of £184.03 or 90% of AWE

This calculator uses standard United Kingdom financial formulas, IRS thresholds, and amortization schedules. All results compute instantly in your browser with zero data stored or transmitted.

Calculation Examples & Scenarios

Full-Time Professional (£650/week AWE)

Average weekly earnings of £650.00.

First 6 weeks: GBP 585.00/wk (90%) | Next 33 weeks: GBP 184.03/wk | Total SMP: GBP 9,582.99 across 39 weeks.

Part-Time Employee (£180/week AWE)

Average weekly earnings of £180.00.

First 6 weeks: GBP 162.00/wk (90%) | Next 33 weeks: GBP 162.00/wk (90% lower than cap) | Total SMP: GBP 6,318.00.

Key Benefits

  • Calculates exact HMRC Statutory Maternity Pay (SMP) entitlements over all 39 weeks
  • Automatically applies the statutory weekly threshold (£184.03) comparison
  • Assists new and expecting parents with budgeting for parental leave

Common Use Cases

  • Expectant mothers planning household finances and parental leave duration
  • Contractors and employees assessing whether they meet the Lower Earnings Limit (£123/week)
  • Comparing statutory payments with enhanced employer maternity pay schemes

Statutory Maternity Pay (SMP) Schedule Explained

Statutory Maternity Pay is paid for up to 39 weeks. For the first 6 weeks, you receive 90% of your average weekly earnings before tax with no upper monetary cap. For the remaining 33 weeks, you receive £184.03 per week or 90% of your average weekly earnings—whichever amount is lower.

Statutory Maternity Leave lasts up to 52 weeks. The remaining 13 weeks are unpaid by the government unless your employer provides enhanced occupational maternity benefits.

Tax and National Insurance on SMP

Statutory Maternity Pay is treated as earned employment income. PAYE Income Tax, employee Class 1 National Insurance, and qualifying pension contributions are deducted by your employer’s payroll as normal.

Frequently Asked Questions

For the first 6 weeks, SMP pays 90% of your average weekly earnings (AWE) with no cap. For the remaining 33 weeks, it pays £184.03 per week or 90% of your AWE (whichever is lower).

SMP is paid for up to 39 weeks. Statutory Maternity Leave lasts for up to 52 weeks (meaning the final 13 weeks are unpaid unless your employer offers enhanced maternity pay).

Yes. SMP is treated as taxable employment income, so standard PAYE Income Tax, employee National Insurance, and pension contributions are deducted as normal.

You must earn at least the Lower Earnings Limit (£123/week), give at least 28 days notice, and have worked continuously for your employer for at least 26 weeks up to the 15th week before the expected week of childbirth.

If you are self-employed or do not meet SMP service requirements, you can usually claim Maternity Allowance (MA) through Jobcentre Plus for up to 39 weeks.

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