Paid Parental Leave Income Gap

Forecast how much income you will miss during parental leave after employer-paid benefits and any state disability payments. Enter your weekly take-home pay and the employer replacement percentage, then optionally add leave length and state benefits to see the weekly gap and total cash shortfall to budget.

Your typical net paycheck per week after taxes and deductions.
Percentage of your usual take-home pay your employer covers during leave.
Defaults to 12 weeks if blank. Adjust to your planned leave length.
Weekly cash benefit from state disability or paid leave programs. Defaults to $0.00 when blank.

Educational estimate only; verify benefit amounts with HR and your state program before finalizing budgets.

Examples

  • $1,500.00 weekly pay, 60.00% employer pay, 12 weeks, $0 state benefit ⇒ Weekly income: $900.00 USD | Weekly gap: $600.00 USD | Total income: $10,800.00 USD | Total gap: $7,200.00 USD.
  • $1,800.00 weekly pay, 80.00% employer pay, 16 weeks, $200.00 state benefit ⇒ Weekly income: $1,640.00 USD | Weekly gap: $160.00 USD | Total income: $26,240.00 USD | Total gap: $2,560.00 USD.

FAQ

Can I include partner income?

This calculator isolates the gap on one paycheck. Add the partner's contribution to your cash-flow plan separately if relevant.

How should PTO be treated?

If you plan to use paid time off at full pay, increase the employer replacement percentage or reduce the leave weeks to reflect the PTO-covered period.

Do taxes change during leave?

Enter take-home pay values that already reflect expected withholdings so the weekly income and gap remain comparable to your real paychecks.

Additional Information

  • Weekly income during leave adds employer replacement pay and state benefits but caps at your normal take-home pay.
  • The cash gap multiplies the weekly shortfall by the number of leave weeks, helping you size savings or PTO needed to cover it.
  • Defaults assume a 12-week leave with no state benefits if you leave optional fields blank.
  • Use take-home pay, not gross, so the gap reflects spendable cash.

Related calculators