Example planning summaryWhat the tools help clarify
2026/27Estimated monthly gap£842during lower-pay months
Nursery after funding£468monthly example, 3 days
Private by design. Calculator details stay in your browser.
Free UK family money calculators
Simple money tools for pregnancy, childcare and family life
Free UK calculators for maternity pay, nursery fees and baby budgeting, updated for the 2026/27 tax year using GOV.UK figures.
- Updated for 2026/27
- GOV.UK source links
- Estimates, not advice
- No account needed
Trust and sources
Clear estimates, checked against official sources
The calculators and guides are built around published GOV.UK figures where possible, then explained in plain English so families can plan with more confidence.
- Figures used
- 2026/27 UK rates
- Last reviewed
- May 2026
- Important note
- Planning estimates only
Where to start
Choose the path closest to what you need today
Start with a quick calculator, then use the related guide or planner when you need more detail.
Plan maternity leave
Estimate maternity pay, understand the pay drop and map the months before leave starts.
Work out childcare costs
Estimate nursery fees, funded hours and what childcare could mean for your monthly budget.
Budget for family life
Use the planner and guides to think through savings, baby costs, Child Benefit and returning to work.
Free calculators
Start with a quick estimate
These tools use published UK figures and plain-English assumptions. They are for planning, not financial advice.
Monthly forecast previewDownloadable spreadsheet
Want the full picture?
Get the spreadsheet planner to map maternity pay, unpaid leave, baby costs, nursery fees and savings month by month.
- MAT leave setup
- Maternity pay forecast
- Weekly pay detail
- Savings target
Get the planner
Works in Excel and Google Sheets. Yours to keep.