Fawnly
Maternity Pay Calculator - Self-Employed
If you're self-employed you usually claim Maternity Allowance, not Statutory Maternity Pay. Work out your weekly amount, your 39-week total and your month-by-month income - it's tax-free and NI-free. 2024/25-2026/27. Everything stays in your browser.
Fill in the yellow box - everything else is optional.
1. Your dates
MA can start from 11 weeks before the week your baby is due, up to the day after the birth.
2. Your self-employment
If your self-employed profits are above the Small Profits Threshold (about £6,800-7,100/yr) you're treated as paying Class 2, so you get the full rate. Otherwise it's £27/week - but you can top up your Class 2 after applying to get the full amount.
You need at least 26 of those 66 weeks. Your weekly rate (full or the £27 lower rate) is set by your Class 2 NI above - there is no separate earnings test for the self-employed.
3. Family & Child Benefit
Child Benefit is paid whatever you earn, but if the higher earner is over £60k some is clawed back (all of it by £80k).
4. Keeping in Touch (KIT) days
You can work up to 10 KIT days while on Maternity Allowance. Your MA is unaffected, but money you earn from that work is normal self-employed income, so it adds to that month (and is taxed later via Self Assessment, not here). Enter what you earn per KIT day.
Note: go over 10 days and you start losing MA - roughly 1/7 of a week's MA for each day you work in a week. Minimal admin to keep your business ticking over (and unpaid) doesn't count toward the 10.
Your key dates
Eligibility
Summary
Month-by-month
Maternity Allowance unpaid
| Tax month | Yr | Maternity Allowance | KIT income | Child Ben. | Total |
|---|
Maternity Allowance is tax-free and NI-free, so the amount shown is what you actually receive. Your business profits are taxed separately as usual.