Leave income composition
Scenario comparison
Scenario table
| Scenario | Total gap | Monthly loss | Leave pay | Monthly savings |
|---|
How this leave income calculator works
This calculator measures the income gap created by leave. It starts with what you would normally earn over the leave period, then subtracts statutory leave pay, caps, flat weekly pay structures, employer top-up and any manual adjustments.
The output is the real leave-period income loss, not just a salary percentage. It is designed to help you plan how much cash to set aside before leave starts.
Core formulas
Expected leave-period income = monthly income × leave months
Statutory leave pay = country-specific statutory pay logic
Employer top-up = expected income × employer top-up % where applicable
Base income loss = expected leave-period income − statutory pay − employer top-up + manual adjustment
Buffer = base income loss × buffer %
Total leave income gap = base income loss + buffer
Monthly savings needed = (total leave income gap − current savings) ÷ months to prepare
Statutory leave pay = country-specific statutory pay logic
Employer top-up = expected income × employer top-up % where applicable
Base income loss = expected leave-period income − statutory pay − employer top-up + manual adjustment
Buffer = base income loss × buffer %
Total leave income gap = base income loss + buffer
Monthly savings needed = (total leave income gap − current savings) ÷ months to prepare
This version is calibrated for NL, UK and Germany only.
Frequently Asked Questions
Why does the Netherlands use a day wage cap?+
Because Dutch maternity pay is 100% of day wage up to the statutory maximum day wage, not unlimited full salary.
Why does the UK calculator split the leave period?+
Because UK statutory maternity pay uses 90% pay for the first 6 weeks and a flat weekly amount after that.
Why does Germany ask whether the employer covers the difference?+
Because the basic Mutterschaftsgeld amount is low on its own, but the employer supplement can materially change the real income loss.
Why include a manual adjustment?+
Because some households have extra compensation, deductions, or side effects not captured by the base statutory model.