ugget SavingsCouples Parental Leave Money Planner
Plan your money from pregnancy through parental leave, together. Add your leave dates and employer's pay, then your income and spending line by line. The planner shows what you'll each take home every month and how much to save before the baby arrives.
Are you planning with a partner?
Choose yes if you share money with a partner, so the planner can include their pay and their leave.
This planner is new and we'd love to hear how you get on. Share your feedback
Your plan saves as you go. You can close this page and come back to it any time on this phone or computer, using the same browser, and your figures will still be here. It won't show up on a different device, and it will be lost if you clear your browsing data or use a private window.
Key dates
Income
Salary and leave pay are worked out from tab 1. Add everything else here.Spending
Allow for bills going up
Energy, council tax, broadband and phone bills usually rise every April. This adds the percentage to your bills from each April onwards.
Baby buy list
Anything marked "To buy" is added to your savings target.By category
Your next steps
Helpful from Nugget
Try a different return date
See how your savings change if you go back earlier or later.
What if costs go up more than you expect?
Nobody can predict energy, food or fuel prices, so here's how your plan changes if everything you spend goes up across your leave.
Where your money goes during leave
Where it comes from
Take-home pay against your spending, month by month
Month by month
Take-home pay after tax, NI and pension, plus other incomeThese figures are estimates based on the information you've entered. Your actual pay depends on your employer's payroll, your tax code and the exact dates your leave starts and ends, so check them against your payslips. This planner is a guide to help you plan, not financial advice.
Spending by category, per month
Leave pay, week by week
Gross pay for every week of leave. Each week you get the higher of your employer's pay and statutory pay, unless a phase pays statutory pay on top.
How did you find it?
You're one of the first to use the new planner. Tell us what worked, what was confusing, or anything that looked wrong. It takes about 2 minutes.
Share your feedbackBaby savings pot
Once the baby's here
Each month, add what actually came in and went out. Difference compares what you actually had left over with what the plan expected: a plus means you're ahead, a minus means you're dipping into savings faster than planned.