Updated for 2026/27 Independent estimate Not GOV.UK

Maternity Allowance vs Statutory Maternity Pay calculator

Compare the two main maternity payment routes and see which looks more relevant for your situation.

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Keep this to the figures that most affect the estimate. You can re-run a few scenarios in under a minute.

Main details

£

Extra assumptions

Estimated result

Use this as a planning estimate. It is designed to show the shape of the answer and what changes it most.

Estimated total Statutory Maternity Pay
£8,228.94
Estimated total Maternity Allowance: £7,578.48
Based on the eligibility boxes you selected, Statutory Maternity Pay looks stronger on headline amount.
SMP total £8,228.94
Maternity Allowance total £7,578.48
Period used
Estimated total Statutory Maternity Pay
Annual view
£7,578.48
Estimate only
Check local and official rules next
SMP total £8,228.94
Maternity Allowance total £7,578.48
SMP usually requires 26 weeks with the same employer into the qualifying week. Maternity Allowance can help where SMP is not available.
Both estimates assume the full 39 weeks of payable maternity support.
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Two routes, very different entry rules

Many maternity-related searches are not really asking for one flat number. They are trying to work out whether Statutory Maternity Pay or Maternity Allowance is the route that actually applies. This page is built around that decision rather than treating everything as one benefit.

The calculator therefore compares totals side by side and explains why one route may be stronger even when the other is not available.

Why a comparison page works better than a single figure

If you are employed with one employer for long enough, SMP is usually the first route to test. If not, Maternity Allowance often becomes the important fallback. A comparison page lets users see both without making legalistic assumptions they may not be ready to verify yet.

That structure also makes the page stronger from an SEO perspective because it serves both direct calculator intent and the very common 'SMP vs Maternity Allowance' comparison query.

Use this alongside SSP and Universal Credit pages

For some households maternity support is not the only moving part. Childcare support, rent help and other means-tested support may change once work patterns and income shift. That makes the maternity page a natural hub into Universal Credit and childcare pages.

The site keeps those links dense on purpose so the whole cluster behaves like a serious family-support resource.

Related calculators

People usually check these pages next when they are comparing support, testing a change of circumstances, or trying to explain a low result.

Frequently asked questions

Which is usually worth more?
If you qualify, SMP is often stronger for the first 6 weeks because it pays 90% of average weekly earnings with no flat-rate cap in that period.
Can self-employed people get SMP?
No. Self-employed claimants normally look at Maternity Allowance instead.
Are both paid for 39 weeks?
Yes, both are typically payable for up to 39 weeks.

Independent estimate only

This page is written to help you understand the likely direction of the answer quickly, not to replace the official claim process. Local authority rules, evidence requirements, deductions, sanctions, timing and special-case rules can all change the final outcome.