If you or your partner goes on parental leave, your household’s income could start to look a little thin, so it’s important to get your financial house in order. To help, use our online budgeting tool to get an insight into your incomings and expenses to work out how long you can stretch your time off work.

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Parental leave calculator

Use this calculator to see what your finances will look like while you're on parental leave and how long you can stretch your parental leave.

This will take about 2 minutes to complete.

To make it easy, we recommend that before you start you have an idea of your: work and government parental leave entitlements; income; savings and expenses.

To make it easy we've applied some average estimates.

Government Parental Leave Pay is around $673 per week before tax for a maximum of 18 weeks, which on average is approximately $540.00 per week (take home). Please note these figures are indicative only and current as at December 2016.

Not sure? Find out more here

Living expenses includes things like utility and phone bills, food, transport, and entertainment.

Regular costs includes things like loan and credit card repayments, insurance, memberships, and school fees.

You have not added any expenses.
Based on the information you have provided, you can take as much time off as you like. That is great news! Please check all your information and complete the expenses section.
Based on the information you have provided, you can take as much time off as you like. That is great news!
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Based on the information you have provided, we estimate you


before you might want to consider returning to work.

Want to spend more time with your baby? With a CUA Home Loan you may be able to pause your repayments. If you are eligible we estimate this could boost your time off


Learn more about how we can help you make the most of this time.

Pause my repayments

You can also call us on:
1800 870 660
Mon - Fri: 8:00am - 5:00pm (AEST)

Important information Important information Show content

The results from this calculator should be used as an indication only and are based on the accuracy of the information you provided. All calculations are subject to rounding, timing, estimates and averages. The results provided are generic and do not take into account all your personal circumstances. The Calculator is a guide only and is not intended to be relied upon for the purposes of making any decisions. The user should obtain appropriate professional advice as required before making any decisions.

CUA products to support you

Whether you're planning or expecting a baby or raising a family, our CUA products are here to help you.

Want to be able to choose if you have a private room or not, and even what doctor you see when you have a baby? Then it’s well worth considering your level of health care cover. With CUA Health, we’ve made sure our health insurance is easy to understand so you can get the right level of cover for you and your family. Specifically designed with families in mind, kids are covered at no extra cost, and will never pay an excess on any of our hospital covers. But that’s not all, we also pay benefits towards your Australian Breastfeeding Association Membership entitling you to discounts on various baby products, including high value items like breast pumps or smaller items like toys and clothing.

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With our Premium Hospital cover, you can have the peace of mind that you and your family are well protected. Premium Hospital covers:

  • Join today and get a $100 EFTPOS gift card1 + your first month free2
  • Pregnancy (including childbirth)
  • IVF & assisted reproduction
  • Kids are covered at no extra cost
  • and more

To enquire

You can call us on:
133 282
Mon - Fri: 8:00am - 5:00pm (AEST)

Learn more   Apply online

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It’s the special moments that make life rich. Like kitting out the nursery, a new family car or even something more sensitive, like IVF treatment. Our personal loans are exactly that, personal. And with competitive rates, and no monthly fees, you won’t need to miss out on the important things. Make your family dreams come true sooner.

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No monthly

With $0 monthly fees you can still afford the small joys.

$0 establishment

With no establishment fee, CUA Personal Loans leave more in your pocket1

No penalties for early payout

Pay off your loan sooner without being charged a fee.

Flexible repayment options

Choose to make either monthly, fortnightly or weekly repayments to suit your income and budget.

See important information

Enquire now

You can call us on:
133 282
Mon - Fri: 8:00am - 5:00pm (AEST)

You can also fill out our general enquiry form and a team member will be in touch with you shortly.

Enquire now

Important information about CUA Health

1 New policy holders who purchase a CUA Health combined hospital and extras policy between 20 March 2017 and 30 June 2017 will receive a $100 EFTPOS Gift Card.

2 First month free is available only to new policy holders who join via Credit Union Australia Limited. ABN: 44 087 650 959 (CUA) directly.

CUA Health insurance is provided by CUA Health Ltd 98 098 685 459 (CHL) which is not an authorised deposit-taking institution. While CUA Health Insurance may be distributed by Credit Union Australia Ltd ABN 44 087 650 959 (CUA), CUA is not liable for this product and does not stand behind CHL.

It’s important to know that we only pay a benefit for services performed by private practitioners in a private practice, provided their associations and services are recognised by us. If you’re unsure if the provider you have selected, or service you require is covered under your policy, please contact CUA Health for confirmation. The items, limits and benefits are provided as a general guide only. Please call us if any further information is required. Calendar year limits cover the period 1 January to 31 December each year.

Important information about CUA Personal Loans

Loans are issued by Credit Union Australia Ltd ABN 44 087 650 959 AFSL and Australian Credit License 238317 to approved applicants only. Lending criteria, terms, conditions, fees and charges apply. Ask us for details.

In the case of CUA Fixed Rate Car Loan, a Security Administration Fee and Security Discharge Fee are both payable to cover administration costs associated with registering / discharging security.

1 CUA may withdraw this offer at any time without warning. Other fees and charges may apply.