Complete Guide to Statutory Maternity Pay
Everything you need to know about SMP eligibility, rates, and how to claim your maternity pay from your employer.
Read Guide →UK Maternity Pay Calculator - Understanding Your Benefits
Our free maternity pay calculator UK helps you understand exactly what you're entitled to. Whether you need to calculate Statutory Maternity Pay (SMP) or check eligibility for Maternity Allowance, our 2025 calculator provides instant results. The UK maternity pay system includes SMP from employers and Maternity Allowance for self-employed workers, making it essential to use an accurate calculator to plan your finances.
Statutory Maternity Pay (SMP)
Receive up to 39 weeks of maternity pay. The first 6 weeks at 90% of your average weekly earnings (no cap), followed by 33 weeks at £184.03 per week or 90% of earnings (whichever is lower) for 2025.
Calculate Your SMP →Self-Employed Maternity Pay
Self-employed? You won't get SMP but may qualify for Maternity Allowance of up to £184.03 per week for 39 weeks. Check your eligibility and calculate your maternity pay using our specialized calculator.
Check Eligibility →Enhanced Maternity Pay
Many employers offer enhanced maternity pay packages above the statutory minimum. Our calculator can factor in your company's maternity policy to give you accurate payment projections.
Learn More →Why Use Our Maternity Pay Calculator UK?
Accurate Calculations
- Calculate your exact SMP based on your salary
- See week-by-week payment breakdowns
- Include enhanced company maternity pay if applicable
- Account for tax and National Insurance deductions
Comprehensive Planning
- Plan your maternity leave start date
- Understand total income during leave
- Compare different leave scenarios
- Export calculations for your records
Current Maternity Pay Rates (2024/2025)
| Period | Rate | Details |
|---|---|---|
| First 6 weeks | 90% of average weekly earnings | No upper limit on this amount |
| Next 33 weeks | £184.03 per week | Or 90% of average weekly earnings if lower |
| Maternity Allowance | £184.03 per week | For those not eligible for SMP |
| Earnings threshold | £123 per week | Minimum to qualify for SMP |
How to Use Our Free Maternity Pay Calculator UK
1
Enter Your Due Date
Start by entering your expected due date. Our UK maternity pay calculator uses this to determine when you can start your maternity leave.
2
Add Your Salary Details
Input your salary information so we can calculate your average weekly earnings and maternity pay entitlement.
3
Choose Leave Dates
Select when you want to start your maternity leave. You can start up to 11 weeks before your due date.
4
Get Your Results
Receive a detailed breakdown of your maternity pay, including weekly amounts and total expected income.
Maternity Pay Guides & Resources
Maternity Pay for Self-Employed
Understanding Maternity Allowance, eligibility criteria, and how to apply if you're self-employed or a company director.
Learn More →Maternity Pay vs Maternity Allowance
Compare the differences between SMP and MA to understand which maternity pay option applies to your situation.
Check Eligibility →Planning Your Maternity Leave
Tips for timing your maternity leave, understanding your rights, and maximizing your maternity pay benefits.
Start Planning →Frequently Asked Questions About Maternity Pay
Who is eligible for Statutory Maternity Pay?
To qualify for SMP, you must:
- Have worked for your employer continuously for at least 26 weeks up to the 'qualifying week' (15th week before expected birth)
- Earn on average at least £123 per week
- Give your employer proper notice of your pregnancy
- Provide proof of pregnancy (usually MATB1 form from midwife/doctor)
How much maternity pay will I receive?
SMP is paid for up to 39 weeks:
- First 6 weeks: 90% of your average weekly earnings before tax
- Next 33 weeks: £184.03 or 90% of your average weekly earnings (whichever is lower)
Some employers offer enhanced maternity pay above the statutory minimum.
When can I start my maternity leave?
You can choose to start your maternity leave any time from 11 weeks before your expected week of childbirth. Your maternity leave will start automatically if you're off work for pregnancy-related illness in the 4 weeks before your expected week of childbirth.
What if I don't qualify for SMP?
If you don't qualify for SMP, you might be eligible for Maternity Allowance. This is £184.03 a week or 90% of your average weekly earnings (whichever is less) for up to 39 weeks. You can claim Maternity Allowance if you've been employed or self-employed for at least 26 weeks in the 66 weeks before your baby is due.
Is maternity pay taxable?
Yes, both SMP and enhanced maternity pay from your employer are subject to tax and National Insurance in the same way as your regular salary. However, if your maternity pay is low enough, you might not pay any tax or NI on it.
Ready to Plan Your Maternity Leave?
Use our free calculator to get an accurate estimate of your maternity pay and start planning with confidence.
Start Calculator →