Teachers’ maternity pay calculator, after tax
From your first full-pay weeks to the unpaid months: see your school maternity pay and estimated take-home in one place.
Check this scheme applies to you
For teachers whose contracts follow the Burgundy Book in England and Wales. Maintained schools normally use it; academies and independent schools may have different terms. Scotland and Northern Ireland use different agreements.
- Your pay, week by weekOccupational pay and SMP, with a separate service check
- A monthly take-home estimateIncluding tax, NI and an editable pension contribution
- Your details stay privateNo account needed for the calculator
Teachers maternity pay: the scheme modelled
These stages assume the relevant occupational conditions and separate SMP rules are met.
SMP is included.
SMP is included.
Capped at normal full pay.
Then weeks 40–52 are unpaid.
The calculator uses 2026/27 statutory and pension assumptions beyond this year where future rates are unknown. Pay rises, salary sacrifice, student loans, Maternity Allowance, shared parental leave, pension benefit accrual and one-off payroll adjustments are not modelled. A simplified fixed pension percentage is applied to paid earnings. Check your actual policy and payslip.
Teachers maternity pay questions
Who qualifies for the Burgundy Book scheme?
The normal service test is one year of continuous teaching service with one or more local authorities by the start of the 11th week before the expected birth week. HR must confirm which previous employment counts and that your contract adopts the scheme. Notice and evidence requirements also apply.
What if I do not return to teaching?
The normal commitment is 13 weeks, including school closures. The employer may reclaim occupational payments after the first six weeks if you do not meet it; SMP is not repayable. The No option leaves out the 12 half-pay weeks and models the first six weeks as retained under the clawback rule. Confirm the position with HR before resigning. A changed part-time return can require an agreed equivalent period.
Do I get extra maternity pay during school holidays?
School holidays do not pause the maternity pay schedule. The calculator follows consecutive weeks from your leave start. Ask payroll how pay awards or a change in your teaching hours affect the amounts.
How reliable is the suggested pension rate?
It uses the official 2026/27 TPS table indexed before the administrator transition. Teachers’ Pensions is showing a maintenance notice until 2 November 2026. Treat the suggestion as a starting point and enter your actual payslip percentage.
Can I use a different employer scheme?
Yes. Use the general maternity pay calculator to enter the stages in your own policy. The figures here are estimates for the named agreement, not an entitlement decision.
Sources and assumptions
Reviewed 24 October 2026. We use national agreements and scheme-provider guidance; your employer must confirm individual entitlement.