Sick Pay Calculator
Calculate your sick pay during incapacity to work. 70% of gross, maximum 90% of net. Free online, no registration required, up-to-date for 2026 benefits.
Income Details
Sick Pay per Month
1.821,60 €
after deduction of social insurance contributions
Sick Pay per Day
60,72 €
Max. Duration
78 weeks
within 3 years
Net Loss per Month
478,40 €
compared to net salary
Max. Total Claim (78 weeks)
33.153,12 €
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 gross, max 90% of net. Contribution assessment ceiling 2026: 5.812,50 €/month. As of: 2026.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
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 and is limited to 78 weeks within 3 years for the same illness.
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.
What is the Sick Pay Calculator?
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 work?
Enter your gross 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.
Key Data and Facts
Sick pay: 70% of gross, max. 90% of net. Maximum amount 2026: approx. 120 euros/day. Duration: max. 78 weeks within 3 years for the same illness.
Step-by-Step Guide
How to calculate das Krankengeld step by step: 1. Bruttogehalt enter: Das regelmaessige Bruttogehalt vor der Erkrankung. Einmalzahlungen (Weihnachtsgeld, Urlaubsgeld) werden anteilig beruecksichtigt. 2. Nettogehalt enter: Das letzte Nettogehalt dient als Obergrenze. 3. gross-Krankengeld calculate: 70 % des Bruttogehalts, begrenzt auf die contribution ceiling (101.400 EUR/year = 8.450 EUR/month in 2026). Maximal 90 % des Nettogehalts. Es gilt der niedrigere Betrag. 4. SV-Beitraege abziehen: Waehrend des Krankengeldbezugs traegt der Versicherte die halben Beitraege zur pension insurance (RV), unemployment insurance (AV) und long-term care insurance (PV) (ca. 12,3 % des Krankengeldes). Die health insurance (KV) wird nicht erhoben. 5. Auszahlungsbetrag: gross-Krankengeld minus SV-Beitraege. 6. Beginn und Dauer: Krankengeld beginnt nach 6 Wochen Entgeltfortzahlung durch den employer. Maximale Bezugsdauer: 78 Wochen (546 days) innerhalb von 3 Jahren fuer dieselbe Krankheit. Beispiel: employee mit 4.200 EUR gross und 2.750 EUR net. 70 % gross: 2.940 EUR. 90 % net: 2.475 EUR. Es gilt der niedrigere Wert: 2.475 EUR. Kalendertaeglich: 2.475 / 30 = 82,50 EUR. SV-Abzuege (ca. 12,3 %): 304,43 EUR. net-Krankengeld: 2.475 - 304 = 2.171 EUR/month.
Calculation Example
gross 4.200 EUR, net 2.750 EUR. 70 % gross: 2.940 EUR. 90 % net: 2.475 EUR (gilt). Minus SV-Beitraege (12,3 %): net-Krankengeld ca. 2.171 EUR/month.
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