Sick Pay Calculator Germany
Calculate German sick pay (Krankengeld) for 2026: 70% of gross, max. 90% of net, minus social contributions, with daily rate, net loss and maximum claim.
Income Details
Sick Pay per Month
€1,813.32
after deduction of social insurance contributions
Sick Pay per Day
€60.44
Max. Sick Pay Duration
72 weeks
78 weeks within 3 years minus 6 weeks of continued pay
Net Loss per Month
€486.68
compared to net salary
Max. Total Claim (72 weeks = 504 days)
€30,461.76
Calculation Basis
Note: Sick pay is paid from the 43rd day of incapacity (after 6 weeks of continued pay by the employer). It is 70% of standard remuneration, max. 90% of net pay. Standard remuneration counts only up to the health insurance contribution ceiling of €5,812.50/month – at most €135.63 gross per day. As of: 2026.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
How much sick pay (Krankengeld) do I receive?
Sick pay from health insurance is 70% of gross salary (but no more than 90% of net salary). It begins after 6 weeks of employer-paid sick leave. For the same illness the limit is 78 weeks within 3 years, and the 6 weeks of continued pay count towards it, so sick pay itself is paid for at most 72 weeks.
When does sick pay start?
Sick pay starts after the employer's continued pay obligation ends (usually after 6 weeks of illness). You must submit a doctor's certificate to your health insurance promptly.
Which deductions are taken from sick pay?
Sick pay is tax-free but subject to the progression clause (Progressionsvorbehalt). Your shares of pension (9.3%), unemployment (1.3%) and long-term care insurance (1.8%) are deducted, 12.4% in total; childless people aged 23 or over also pay the care insurance surcharge of 0.6% on 80% of the standard remuneration. No health insurance contributions are due during the benefit period. Example with 3,500 euros gross and 2,300 euros net: 70% of gross would be 2,450 euros, capped at 90% of net it is 2,070 euros, and after deducting 256.68 euros, 1,813.32 euros a month or 60.44 euros a day remain.
Guide
What is the Sick Pay Calculator Germany?
The sick pay calculator computes the amount of sick pay that the statutory health insurance pays from the 7th week of illness.
How does the Sick Pay Calculator Germany work?
Enter your gross and net salary. Sick pay is 70% of gross, max. 90% of net. The calculator determines the daily and monthly amount after deducting the social security contributions borne by the insured person during sick pay (pension, unemployment and long-term care insurance: 12.4%, plus the care insurance surcharge for childless people aged 23 or over).
Key Data and Facts
Sick pay: 70% of gross, max. 90% of net. Maximum amount 2026: 135.63 euros/day gross (70 % of 1/360 of the 69,750-euro contribution ceiling). Duration: 78 weeks within 3 years for the same illness, including the 6 weeks of continued pay – so sick pay itself is paid for at most 72 weeks (504 days).
Step-by-Step Guide
How to calculate sick pay step by step: 1. Enter your gross salary: the regular gross salary before the illness. One-off payments (Christmas bonus, holiday bonus) are taken into account proportionally. 2. Enter your net salary: the last net salary serves as the upper limit. 3. Calculate the gross sick pay: 70 % of the gross salary (standard remuneration), which counts only up to the health insurance contribution ceiling (69,750 EUR/year = 5,812.50 EUR/month in 2026). At most 90 % of the net salary. The lower amount applies. 4. Deduct social contributions: during receipt of sick pay, the insured person pays half of the contributions to pension (9.3 %), unemployment (1.3 %) and long-term care insurance (1.8 %), 12.4 % of the sick pay in total. Childless people aged 23 or over also pay the care insurance surcharge of 0.6 % on 80 % of the standard remuneration. Health insurance is not levied. 5. Payout amount: gross sick pay minus social contributions. 6. Start and duration: sick pay begins after 6 weeks of continued wage payment by the employer. The maximum period of 78 weeks within 3 years for the same illness includes these 6 weeks – so sick pay itself is paid for at most 72 weeks (504 days). Example: employee with 4,200 EUR gross and 2,750 EUR net. 70 % gross: 2,940 EUR. 90 % net: 2,475 EUR. The lower value applies: 2,475 EUR. Per calendar day: 2,475 / 30 = 82.50 EUR. Social deductions (12.4 %): 306.90 EUR. Net sick pay: 2,475 - 306.90 = 2,168.10 EUR/month (72.27 EUR per day).
Calculation Example
Gross 4,200 EUR, net 2,750 EUR. 70% of gross: 2,940 EUR. 90% of net: 2,475 EUR (this applies). Minus social security contributions (12.4% = 306.90 EUR): net sickness benefit 2,168.10 EUR/month.
Sources
Official sources
Calculations are based on applicable German laws and official data:
- Bundesministerium für Arbeit und Soziales (BMAS)
- Deutsche Rentenversicherung
- Sozialgesetzbuch (SGB) — gesetze-im-internet.de
Full methodology at Methodology.
Reviewed by Konstantin Iakovlev · Last updated:
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