I was terrified when I crossed 39 weeks and nothing happened, but my doctor assured me that anything between 37 and 42 weeks is totally normal. Don't worry, your baby will come when ready.
Plan your finances for 40 weeks, but keep an extra buffer ready from week 36 onwards in case of an early delivery. Hospital packages can vary, so keep everything sorted early.
It's exactly 40 weeks, which is 280 days. But remember, very few babies are born exactly on their due date, so keep your hospital bag ready by 37 weeks.