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How much to save before maternity or parental leave? US FMLA offers 12 weeks job-protected leave—often unpaid. Calculate your income gap, add one-time baby costs, and see how long to save. Free, no signup.
Income gap
$13,846.15
Target to save
$15,846.15
Gap
$7,846.15
Months to save
16
$5,000/mo × 3 months unpaid = $13,846.15 income gap. + $2,000 baby costs = $15,846.15 target. With $8,000 saved: gap $7,846.15.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
FinCalc AI
Suggested questions:
Save your monthly take-home times the number of months you'll be unpaid. For 12 weeks (3 months) unpaid at $5,000/month, that's $15,000. Add one-time baby costs (delivery, nursery, gear). Start saving as soon as you plan for a baby.
FMLA (Family and Medical Leave Act) provides up to 12 weeks of job-protected leave but does not require paid leave. Most US employers offer unpaid FMLA. Some states (CA, NY, NJ, MA, etc.) have paid family leave programs. Check your state and employer.
FMLA covers 12 weeks for eligible employees (50+ employees, 1 year tenure). Some employers offer more. State laws may add paid weeks. Use the calculator with your actual leave duration and paid/unpaid mix.
Save your income gap in advance. At $5,000/month take-home and 12 weeks unpaid, target $15,000. Add 2–4 months buffer for one-time baby costs. Start saving 1–2 years before if possible. Check state paid leave—you may qualify even if employer doesn't offer it.
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