Finances and Work When Having a Baby | NatWest



Finances and work when having a baby

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Having a baby - Know your rights at work

You usually need to have worked for an employer for 6 months to qualify for maternity pay. In 2014-2015, the first 6 weeks of Statutory Maternity Pay is equal to 90% of your average weekly earnings before tax. For the remaining 33 weeks, it’s £138.18 – or 90% of your average weekly earning before tax (whichever is lower). Just like your salary, tax and National Insurance are deducted from your maternity pay.  Your partner may also be eligible for paternity pay.

If you’ve worked for your employer for less than six months, or are self-employed, you might be able to apply for Maternity Allowance. See for full details. You’ll find more details on your rights at work while pregnant on

Once you've had the baby, make sure you're aware of what you and your partner are entitled to - these might include: Child Benefit, Child Tax Credit, Income Support, Housing or Council Tax. You can find out more at 

Also, check if your work runs a childcare voucher scheme – it’s a government initiative which your employer can sign up to, and deducts a certain amount from your wages every month, before tax. For example if you have £243 taken out each month, you could save around £77 each per month in tax. Which in a household of two parents is a saving of almost a £2,000 year. Definitely worthwhile when you are paying full time nursery fees. 

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See Sarah's top tips for going back to work

Mum-of-one and expert blogger Sarah has shared her best tips for getting set for going back to work. 

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Maternity pay
Add your signposting title here… Work out your pay when you go back to work

Returning to work after maternity leave? Use our salary calculator to work out what your take home pay will be if your hours have changed.

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Useful links

There are lots of things to think about when you're starting a family. Here are some useful links to help you plan for your new arrival.

Managing your money when starting a family
Money Advice Service

Pregnancy and baby care

Parenting advice and community

Pregnancy and parenting advice
Baby Centre

Parenting advice and community



Pregnancy and parenting advice

Baby Centre

Parenting advice and community



Pregnancy and parenting advice

Baby Centre

These links are to non-NatWest websites. NatWest is not liable for the accuracy of the information provided on these websites. 

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