Parental Leave Income Planner Australia 2026–27

Build a first-year leave-income scenario

The planner covers the first 52 weeks after primary leave starts. It models a five-day working week, constant annual salary, employer full-pay/annual-leave days followed by half-pay days, and the PPL days that fit inside each person's modelled absence. It does not reproduce employer payroll dates.

Government days and payment rate

The default 2026–27 PPL rate is $200.94 per day before tax. For births/adoptions from 1 July 2026 the family allocation is up to 130 days, including 20 reserved for a partner under the standard rule. The concurrent setting is capped at 20 and the PPL days both people can actually use. Manual reserve allocation needs an applicable exception. Eligibility and actual payment dates must be confirmed with Services Australia.

Single-parent mode excludes partner salary, absence and PPL. The 12% PPL super estimate is displayed separately from spendable cash and is not added to the household cash-flow schedule.

What the timing controls change

Primary leave starts at week 1. Choose whether primary PPL starts alongside employer pay or after the modelled employer/annual/half-pay block. Primary PPL is limited to days before return to work. Partner leave starts so its PPL begins immediately after primary PPL when concurrency is zero, or overlaps its last entered concurrent days. Longer partner absence continues after that start. Days outside the first 52 weeks are excluded and flagged.

For example, with 16 weeks of primary employer/annual leave, 110 primary PPL days and 20 partner PPL days, primary PPL occupies workdays 80–189 (zero-based). Zero concurrency places partner PPL at days 190–209; 20 concurrent days move it to 170–189. Annual income can stay unchanged while the low-income blocks change.

Gross blocks and estimated annual take-home

The 13 cash-flow blocks each contain exactly 20 workdays: four five-day weeks. Their unrounded amounts add to annual household gross income. They are clearly labelled gross. The headline separately estimates annual take-home using simplified 2026–27 resident tax, LITO and a standard 2% Medicare levy. It excludes HELP, other benefits, levy reductions/exemptions, surcharge, deductions and tax-year splitting. Average monthly gap divides the annual estimated income reduction by 12; savings coverage uses that average, not a prediction of the lowest payroll balance.

Check the current rules

• Services Australia: PPL rates, allocations and concurrent days
• PPL scheme changes and super contributions
• Government versus employer parental leave