Return to Work

Deciding whether to return to work after having a baby is about more than just take-home pay. Childcare costs can be high, but it’s important to consider the bigger financial picture; including pension contributions, career progression, and long-term stability.

Even if your monthly income feels stretched after childcare and extra expenses, staying in work can mean valuable pension contributions, both yours and your employer’s, helping to secure your future. There’s also the benefit of keeping your skills and experience current, which can impact future earning potential.

Use our calculator to get a clear breakdown of your actual take-home pay after childcare, added expenses, and pension contributions. Understanding the full financial picture can help you make the right choice for your family - both now and in the years to come.

Written and created by Catherine, founder of Milk & Money, who swapped PhD research for childcare analytics.