yCalculator

Maternity and Paternity Pay Calculator

Last updated: April 2026

Pay Type

Employee and Leave Details

Calculated from the 8 weeks of pay before the 15th week before the due date.

£

39 weeks

Small employer?

If your employer NI bill in the previous tax year was under £45,000, you are a small employer and can reclaim 103%.

Weekly Breakdown

Weeks 1-6: £450.00/week x 6£2,700.00
Weeks 7-39: £187.18/week x 33£6,176.94
Total SMP£8,876.94

Employer Cost

Total SMP paid£8,876.94
HMRC reclaim (103%)£9,143.25
Net employer cost-£266.31

As a small employer you reclaim 103% of statutory pay, so HMRC pays you more than you paid out.

What is Statutory Maternity Pay?

Statutory Maternity Pay (SMP) is the minimum maternity pay employers must provide. It is paid for up to 39 weeks: the first 6 weeks at 90% of average weekly earnings, and weeks 7-39 at the lower of 90% AWE or £187.18 per week (2025/26 rate). Employers can offer enhanced maternity pay above these minimums.

Can employers reclaim SMP from HMRC?

Yes. All employers can reclaim 92% of SMP from HMRC via their payroll. Small employers, those with a total employer NI bill of £45,000 or less in the previous tax year, can reclaim 103%, meaning HMRC pays them slightly more than they paid out. This 3% compensation covers administration costs.

What is Shared Parental Leave?

Shared Parental Leave (SPL) allows eligible parents to share up to 50 weeks of leave and up to 37 weeks of Statutory Shared Parental Pay between them. The mother must end her maternity leave to trigger SPL. ShPP is paid at the same rate as SMP weeks 7-39: the lower of 90% AWE or £187.18 per week.

Related Finance calculators

finance calculators

Business Loan Repayment Calculator

Calculate monthly repayments, total interest and true cost of a business loan

Calculate →

finance calculators

APR Calculator

Calculate the true annual percentage rate on a loan including interest, arrangement fees, insurance and mandatory charges

Calculate →

finance calculators

Take-Home Pay Calculator

Calculate your exact take-home pay after income tax, National Insurance, student loan and pension deductions

Calculate →