Key facts (2026): Statutory Maternity Pay (SMP) in 2026 pays 90% of your average weekly earnings for the first 6 weeks, then £184.03 per week (or 90% of average weekly earnings if lower) for the following 33 weeks. Total maternity leave is 52 weeks — the final 13 weeks are unpaid unless your employer offers enhanced pay.
Maternity pay in the UK is more complex than many employees realise, with entitlements depending on your earnings, length of service, and whether your employer offers enhanced pay above the statutory minimum. Understanding your rights before going on maternity leave helps you plan your finances and ensures you receive everything you are entitled to.
SMP Eligibility Criteria
To qualify for Statutory Maternity Pay, you must: be an employee (not self-employed); have worked for your employer continuously for at least 26 weeks by the end of the 15th week before your expected week of childbirth; and earn at least £123 per week (the Lower Earnings Limit) on average. If you do not qualify for SMP, you may still be entitled to Maternity Allowance from the government.
SMP Rates 2026 in Detail
Weeks 1–6: 90% of average weekly earnings — no cap. If your average weekly earnings are £600, you receive £540/week. Weeks 7–39: the lower of £184.03/week or 90% of your average weekly earnings. Weeks 40–52: unpaid (unless your employer provides enhanced contractual maternity pay). SMP is treated as earnings and is subject to tax and National Insurance.
Maternity Allowance — If You Do Not Qualify for SMP
Maternity Allowance is available if you have been employed or self-employed for at least 26 weeks in the 66 weeks before your baby is due, but do not qualify for SMP. The standard rate is £184.03 per week for up to 39 weeks. Claim through your local Jobcentre Plus.
Our Verdict
SMP provides reasonable income replacement for the first 9 months of maternity leave — particularly the first 6 weeks at 90% of earnings. The final 13 weeks are unpaid for most workers, making savings in advance essential. Always check your employer's contractual maternity pay policy — many employers pay full salary for several weeks above the SMP minimum, particularly in larger organisations.
Frequently Asked Questions
How much is maternity pay UK 2026?
90% of average weekly earnings for 6 weeks, then £184.03/week for 33 weeks. The last 13 weeks are unpaid (unless enhanced).
How long does maternity pay last?
SMP is paid for up to 39 weeks. Total maternity leave entitlement is 52 weeks.
What if I do not qualify for SMP?
You may qualify for Maternity Allowance at £184.03/week for up to 39 weeks if you have worked for at least 26 weeks in the 66 weeks before your due date.
Disclaimer: This article is for informational purposes only. Always verify with official sources such as gov.uk or qualified professionals before making decisions.
Last updated: April 2026 · Author: Chandraketu Tripathi
