For the first 6 weeks, SMP is 90% of average weekly earnings. For the next 33 weeks, it is the lower of 90% of earnings and the flat weekly rate. A week crossing a rate change is worked out day by day. Each weekly payment is rounded up to the nearest penny.
Your employer’s contract may offer enhanced maternity pay. This calculator shows the statutory minimum.
For the first 6 weeks, SMP is 90% of average weekly earnings. For the next 33 weeks, it is the lower of 90% of earnings and the flat weekly rate. A week crossing a rate change is worked out day by day. Each weekly payment is rounded up to the nearest penny.
Worked examples
£600 average weekly earnings: £540 for each of the first 6 weeks, then £194.32 for each of the next 33 weeks at the 2026/27 rate: £9,652.56.
£200 average weekly earnings: £180 a week for 39 weeks, totaling £7,020.00.
£333.33 average weekly earnings: the first 6 payments round up from £299.997 to £300.00 each.
Common questions
How is SMP calculated?
The first 6 weeks pay 90% of average weekly earnings. The next 33 weeks pay the flat weekly rate or 90% of earnings, whichever is lower. Weekly payments are rounded up to the nearest penny.
How long is SMP paid?
SMP is paid for up to 39 weeks.
What is the qualifying week?
It is the 15th week before the expected week of childbirth. Both weeks run from Sunday to Saturday.
What are the minimum earnings?
Average weekly earnings over the 8-week relevant period must reach the Lower Earnings Limit in force at the end of the qualifying week: £125 from 6 April 2025 or £129 from 6 April 2026.
When can maternity leave start?
Leave usually starts no earlier than 11 weeks before the expected week of childbirth.
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