How this calculator is built
Built by an Australian Chartered Accountant — the same engine the paid NestWise dashboard runs. Every rate table is verified against the source below every 1 July, 20 March, and 20 September and covered by a 200+ scenario regression suite.
How Paid Parental Leave is calculated
Australian Paid Parental Leave pays the National Minimum Wage to eligible parents around the birth (or adoption) of a child. The rate is fixed by law, not based on your actual salary. What varies is HOW MANY days you get and HOW you can split them between partners.
The two eligibility tests
- Work test. You must have worked at least 330 hours across 10 of the 13 months before the child’s birth (or adoption placement), with no gap longer than 12 weeks between two work days.
- Income test. Your individual income must be under ~$186,487 in the relevant financial year. There’s also a family income test cap (~$386,525 combined) that opens an alternative path when individual income is over.
The 2026-27 expansion
PPL is 130 days (26 weeks) for births from 1 July 2026; 120 days (24 weeks) for births 1 Jul 2025 – 30 Jun 2026. Of these, a number are reserved for each parent on a use-it-or-lose-it basisto encourage sharing. From 1 July 2025 the government also pays superannuation on PPL at the standard guarantee rate — a meaningful boost to retirement balance for parents (mostly mothers) taking the full leave.
The calculator above applies the day count for your due date + your eligibility flags. Numbers should match Services Australia’s assessment within rounding.
When PPL doesn’t fit — Newborn Upfront + Newborn Supplement
PPL isn’t the only Centrelink payment for a new baby. If you can’t clear the work test (330 hours in 10 of the 13 months before the birth) or you’d rather not take PPL, you can claim Newborn Upfront Payment + Newborn Supplement instead — together they’re usually smaller than PPL, but they don’t require the work test.
It’s one or the other, not both. Once you claim PPL for a child, Newborn Upfront + Supplement are off the table for that child (and vice versa). Choose at the time you lodge — you can’t collect both.
The numbers for 2026-271 July 2026 – 30 June 2027
- Newborn Upfront Payment. $708 one-off, non-taxable. Paid soon after claim is approved.
- Newborn Supplement. Paid over 13 weeks alongside FTB Part A. Up to $2,126 total for your first child, or $710 for subsequent children.
- Combined: up to $2,834 for a first baby, $1,418 for subsequent babies. Reduces on higher family income.
Who typically ends up on Newborn instead of PPL
- Self-employed parents who don’t track hours the way the work test requires.
- Casual workers whose 13 months before the birth don’t hit 330 hours in 10 of them.
- Parents who took a long career break or study period that broke the 12-week-gap rule.
- Parents who prefer the smaller supplement plus FTB Part A over the PPL cash-flow shape.
The one requirement
You must be receiving (or eligible for) FTB Part A to claim Newborn Supplement. If your family income is above the FTB Part A cut-off, neither Newborn Supplement nor PPL will apply — that’s a small band of higher-earning families that misses both.
Worked example: Sarah and Tom
Sarah is having their first baby in October 2026. Sarah earns $85,000/year as a marketing manager; Tom earns $110,000 as a software engineer. Both have been continuously employed for 3+ years.
Eligibility
Sarah’s individual income ($85k) is well under the $186,487 cap — passes the income test. She’s worked continuously full-time — passes the work test. Tom’s individual income ($110k) also passes both tests. Sarah is the birthing parent so she’s the primary claimant.
Days + rate
The family pool is 130 days. As the partnered primary claimant, Sarah can take up to 110 days; 20 days are reserved for Tom on a use-it-or-lose-it basis. Sarah plans to take 90 days (~18 weeks); Tom takes 20 days (his 20 reserved + 0 from the shared pool). At National Minimum Wage of$1,005/week (per lib/rates.ts), Sarah’s gross PPL = 90 days ÷ 5 × $1,005≈ $18,085 gross. Tom’s gross PPL = 20 days ÷ 5 × $1,005≈ $4,019 gross.
Super on PPL (from 1 July 2025)
12% super guarantee on the PPL amount = Sarah ~$2,170 added to super, Tom ~$482. Goes to their nominated super funds automatically.
Tax
PPL is taxable income. Sarah’s marginal rate at $85k + PPL ≈ 30%, so net PPL ~$12,207. Tom’s marginal rate at $110k + PPL ≈ 35%, so net PPL ~$2,612. These are illustrative; your actual marginal rate depends on total taxable income.
Family combined net PPL: ~$14,819, plus ~$2,652 to combined super.
Plug Sarah and Tom’s numbers into the calculator above to see the gross figure with current rates and the work + income test traffic lights.
How NestWise compares to the Services Australia calculator
Services Australia’s Payment and Service Finder will tell you whether you qualify for PPL and roughly how much. The NestWise calculator implements the same day-count + rate formula with source-traced figures.
What NestWise surfaces that the official tool doesn’t
- Work test + income test traffic lights. Quick green/amber/red on each test so you see at a glance whether eligibility is solid or marginal.
- Per-partner split. Plan how the 130 days divide between you, including the reserved use-it-or-lose-it days. The official tool calculates one claimant at a time.
- Live recalc. Drag the day count between partners, change the projected birth date, watch the figures move — useful when planning around employer top-ups.
- Super on PPL surfaced. From 1 July 2025 the 12% super guarantee is paid on PPL — we show the per-partner super amount alongside the cash figure.
What NestWise doesn’t model in this free calc
- Employer top-up payments. Many employers pay PPL on top of (or instead of paying through) the government scheme. The free calc shows the government portion only; check your employer’s PPL policy separately.
- Dad and Partner Pay legacy. The old DAPP scheme has been folded into the unified PPL since 2023 — we calculate against the current law, not the legacy scheme.
- Multiple births / adoption-of-multiple-children. Standard rules apply; talk to Services Australia for the specifics.
For pre-baby planning scenarios, NestWise is faster. For the formal claim, lodge through myGov → Centrelink → Parental Leave Pay — ideally 3 months before the birth date.
Six common mistakes when planning PPL
- Forgetting PPL is taxable. The gross figure is the PRE-tax amount. Net is meaningfully lower — budget on net, not gross.
- Missing the 12-week work-test gap rule. You can’t have a gap longer than 12 weeks between two work days in the 13 months before the birth. A long sabbatical or career break can disqualify even if total hours look fine.
- Claiming when individual income > $186,487 without checking the family path. You qualify on EITHER test, so being over the individual cap is not the end of it: family income up to $386,525 also passes. That applies whether or not you have a partner — a single parent’s family income is simply their own, so the higher cap is the one that decides it.
- Not planning the partner split before applying. Reserved use-it-or-lose-it days are real money. If your partner takes none, those days don’t transfer to you — they’re gone.
- Forgetting to nominate a super fund for the PPL super contribution. From 1 July 2025 super is paid on PPL automatically — but only if your super fund is on file with Services Australia.
- Assuming PPL is your only option. Newborn Upfront + Newborn Supplement are the alternative — smaller total (~$2,834 for a first child) but no work test required. It’s one or the other, not both. Self-employed, casual, and low-hours parents often qualify only for Newborn.
When to re-estimate your PPL
PPL rates and rules change at 1 July annually, plus the 110-day expansion is phased in across 2024-2026. Re-run the calculator when:
- Your due date shifts. Crossing a financial year changes which rate applies + the phase-in stage of the 110-day expansion.
- Your income changes near the $186,487 cap. A pay rise that pushes you over the individual cap forces you onto the family path (or off PPL entirely if family income is also over).
- You change employer or take a break. The work test counts the 13 months BEFORE birth — an extended gap or new job affects eligibility.
- You revisit the partner split. Use-it-or-lose-it reserved days mean the split that lands best for your family isn’t always 50/50.
- An employer policy lands. If your employer announces top-up PPL or matches super at a higher rate, your total package changes — though the government calculation here stays the same.
Run the calculator above with your new numbers, then read the full PPL 2026-27 guide and lodge through myGov in the 3 months before the due date.
Related reading
What to do in the 18 months around the birth.
How much Paid Parental Leave will I get from 1 July 2026? →
The 2026-27 Paid Parental Leave Pay scheme — 26 weeks (130 days), 20 days reserved for the partner, $1,004.70/week, plus 12% super. Everything you need to know if your baby's born on or after 1 July 2026.
Paid Parental Leave after tax — what do you actually take home? →
PPL is taxable like ordinary employment income. Withholding, marginal tax brackets, and the Medicare Levy all apply. Here's the 2026-27 take-home picture across common income bands plus the three mistakes that cost families the most.
PPL for self-employed parents — sole traders, freelancers, business owners →
Yes, self-employed parents can claim PPL — but the work test and income test work differently than for PAYG workers. ABN hours count, business income is treated as ATI, and the documentation burden is on you.
Newborn Supplement & Upfront Payment 2026-27 — what you actually get →
The Newborn Upfront Payment ($708) and Newborn Supplement (up to $2,125.76 over 13 weeks) explained — eligibility, how PPL affects it, and when each lands in your account.