UK Maternity Pay Calculator 2025
Enter your salary and see exactly what statutory maternity pay you will receive — week by week across all 39 weeks, including when the drop-off happens.
Your Maternity Pay
Enter your details below to calculate your statutory maternity pay
Important: Your average weekly earnings appear to be below the Lower Earnings Limit (£123/week for 2025/26). You may not qualify for Statutory Maternity Pay. You might be eligible for Maternity Allowance instead.
90% of Your Average Weekly Earnings
For the first six weeks, you receive 90% of your average gross weekly earnings. The drop-off at week seven surprises many parents who have not planned for it.
—£187.18/week or 90% AWE — Whichever Is Lower
From week seven, you receive the flat SMP rate of £187.18/week (2025/26), or 90% of your average weekly earnings if that is lower.
—Week-by-Week Breakdown
| Week | Approx. dates | Rate | Weekly amount | Running total |
|---|
Important Things to Know
Weeks 40–52 are unpaid. If you take the full 52-week year, weeks 40–52 receive no statutory pay. Some employers enhance this — check your contract.
SMP is taxable. The amounts shown are gross. You will pay income tax and National Insurance on your SMP — your net pay will be lower than shown.
Eligibility check. To qualify for SMP you must have been employed for at least 26 weeks by the 15th week before your due date, and earn at least £123/week on average.
SMP rates update annually. The flat rate of £187.18/week applies from April 2025. Check gov.uk for the latest rates if calculating for a future tax year.
How Statutory Maternity Pay Works in the UK
What is Statutory Maternity Pay?
Statutory Maternity Pay (SMP) is the minimum amount your employer must pay you during maternity leave. It runs for up to 39 weeks and is split into two phases — a higher rate for the first six weeks, then a flat rate for the remaining 33 weeks.
Who Qualifies for SMP?
You qualify if you have been employed by the same employer for at least 26 weeks by the end of the 15th week before your due date, and your average weekly earnings are at least £123. If you do not qualify, you may be entitled to Maternity Allowance instead.
The Drop-Off at Week Seven
At week seven, your pay drops from 90% of your average weekly earnings to the flat rate of £187.18/week. For someone earning £35,000/year, that is a drop from around £606/week to £187/week.
Enhanced Maternity Pay
Many employers top up SMP beyond the statutory minimum. It might mean full salary for the first three or six months, or half pay for a period. Always check your employment contract and speak to HR.
Frequently Asked Questions
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Guidance only: This calculator is based on 2025/26 statutory rates and returns gross figures before tax. It does not constitute financial or legal advice. Always verify your entitlement with your employer, HMRC or Citizens Advice. Affiliate links: Some links on this site earn us a small commission at no extra cost to you. Our recommendations are editorially independent. Read our full disclosure and disclaimer →
