The disposable underwear with sanitary pads consists of underwear panties or briefs with a waistband and a cloth swathe. The cloth swathe has an inboard layer of liquid permeable material and an outer layer which is impervious to liquid. These items are sewn together along the waistband hem and the respective leg hole hems. Liquid absorbent material is disposed in the interspace or space between the inboard and outboard layers. Sometimes, the interspace is divided into patches and a crotch patch, midway between the waistband and the crotch from the posterior region to the anterior region, has a greater amount of absorbent material as compared with absorbent material in other patches.