PRIVATE BUDGET TOOL

Parental Leave Cash-Flow Planner

See how changing pay, unpaid weeks and family costs could affect your monthly budget.

This is a monthly budget estimate, not a statutory-pay or entitlement calculator. Use expected take-home pay after deductions, confirmed with payroll where possible. Published statutory rates can be gross.

1. Choose your planning window

2. Enter your pay phases

Each phase is your combined expected net employer/statutory pay. Do not enter enhanced and statutory pay twice. Dates are inclusive and phases must not overlap. Enter £0 for an unpaid phase. Any uncovered days are reported as £0 scheduled pay.

3. Add household income and spending

Include housing, bills, food, debt repayments and ongoing family or childcare costs in spending. Enter only confirmed other income. Do not repeat either figure in your pay phases or one-off costs.

4. Add one-off costs, if needed

Use your own amounts and dates for equipment, a deposit or other costs. Leave this section empty if there are none.

Enter your expected take-home pay and spending, then calculate.

Weekly pay is allocated across seven calendar days. Monthly pay is allocated across the actual days in each calendar month. The result is rounded per phase/month, not based on bank payment dates. Actual pay dates can cause an earlier shortfall within a month. No statutory eligibility, tax, NI, pension effects, benefits, interest or inflation are calculated.

Your entries are calculated in this browser. They are not saved or sent to us. Print or download a local copy if you want to keep them; leaving or resetting the page clears the plan.

Plan your next step

Read the parental-leave budgeting guide · Explore official childcare-support routes · Keep an emergency reserve separate

If the plan shows a shortfall, review the dates, confirmed pay and costs before relying on it. If essential bills are already unaffordable, use our urgent bills and debt-help guide.

Calculation method and official guidance reviewed: 27 October 2026.