Maternity Leave Calculator
Calculate your income during maternity leave including PTO, short-term disability, state paid leave, and unpaid FMLA time.
Results
Visualization
How It Works
In the US, there is no federal paid maternity leave. FMLA provides 12 weeks of unpaid, job-protected leave. Income during leave typically comes from PTO, short-term disability (6-8 weeks at 50-70%), and state paid leave programs (available in CA, NJ, NY, WA, MA, CT, OR, CO, and others). Not financial or legal advice.
The Formula
Total income = PTO pay + Disability pay + State leave pay
Income gap = Normal salary x total weeks - total leave income
FMLA: 12 weeks unpaid, job-protected (employers with 50+ employees)
Income gap = Normal salary x total weeks - total leave income
FMLA: 12 weeks unpaid, job-protected (employers with 50+ employees)
Variables
- FMLA — Family and Medical Leave Act -- 12 weeks unpaid protection
- STD — Short-term disability -- typically 60% salary for 6-8 weeks
- State leave — Paid family leave programs (varies by state)
Example
$1,200/week salary, 2 weeks PTO, 6 weeks disability at 60%, 12 weeks total: $6,720 income vs $14,400 normal = $7,680 gap.
Tips
- Start saving in a "maternity leave fund" early in pregnancy
- Check if your employer offers paid parental leave beyond disability
- Some states (CA, NY, WA) offer 12+ weeks of paid family leave
- Short-term disability must usually be enrolled BEFORE pregnancy begins
- Keep health insurance premiums in mind -- you may need to pay your share during unpaid leave