Maternity Leave Budget Planner | UK SMP Calculator, Baby Budget (HTML App)

PLAN YOUR MONEY BEFORE THE BABY ARRIVES

Most baby planners are shopping checklists — beautiful, but they skip the biggest financial question of maternity leave: what happens to your income? This offline HTML app brings a real UK SMP calculator, baby setup budget, income planning, and a savings countdown into one private dashboard.

WHAT MAKES THIS DIFFERENT
• A genuine SMP calculator covering all 39 paid weeks, not just a rough guess
• See your income drop phase by phase — before leave, weeks 1-6, weeks 7-39, and unpaid weeks
• A savings countdown that tells you exactly how much to set aside each week
• A return-to-work calculator that factors in real childcare costs
• Fully offline and private — no subscription, no account

KEY FEATURES
• SMP Calculator with editable flat rate (updates every April) and employer top-up option
• Baby Budget tracker for one-off setup costs — pram, cot, car seat and more
• Income Planner comparing every phase of leave against your monthly expenses
• Savings Countdown to your due date with weekly and monthly targets
• Return to Work calculator weighing pay against childcare and other costs
• 8 gentle colour themes including Mint and Lavender, 20 currencies, full backup/restore

WHAT YOU'LL RECEIVE
• 1 offline HTML app file (Maternity_Leave_Budget_Planner.html)
• 14-page PDF user guide
• 1-page Quick Start Card
• Personal use licence
I
MPORTANT
This tool provides planning estimates based on standard SMP rules and does not confirm your eligibility or exact entitlement. Always verify your actual maternity pay with your employer, HR, or gov.uk.


FAQ
How accurate is the SMP calculator?
It follows the standard SMP structure (90% of average weekly earnings for weeks 1-6, then the lower of 90% or the statutory flat rate for weeks 7-39), but doesn't confirm your eligibility. The flat rate changes every April, so always check gov.uk for the current confirmed figure.
Do I need to know my exact average weekly earnings?
An estimate based on your recent payslips works well for planning purposes. For your official SMP calculation, your employer will use your actual earnings from the 8 weeks before your qualifying week.
Does this work on Mac and Windows?
Yes. It's a single HTML file that opens in any modern browser (Chrome, Safari, Edge, Firefox) on Mac, Windows, iPad, Android, or Chromebook. No installation required.
Is my data private?
Completely. Everything is stored only in your browser's local storage on your own device.
Does this cover Maternity Allowance or Shared Parental Pay?
The tool is built around standard SMP. If you're claiming Maternity Allowance or Shared Parental Pay instead, you can still use it as a rough guide by entering the equivalent weekly rate you expect to receive.
Can I get a refund?
As this is an instant digital download, we're unable to offer refunds once files have been delivered — please review the listing carefully before purchasing.