As BG said, the estimator takes into account all those things and lets you know what will give you a better financial outcome. BUT you can still opt to take the PPL. It is not means tested and if you qualify (I think you have to have worked 10 months of the previous 12?) then you can take it. Its just like evryone else has said, the ftb payments will be different depending on your circumstances.
yeah, I looked into it, and I'm best to take the baby bonus over the PPL too. Although I ran my own figures on it. The PPL is taxed, which means you are actually bringing home less in terms of real $$$$ then the grosss amount they tell you about. How much you are taxed depends on how much you earn.
In my case, taking the PPL - the payment itself would be more then the BB, but I would loose a huge chunk of my FTB A&B, so overall would get less money.
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