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.
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 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.
Are 2026 standard rates reflected?
Yes — Bürgergeld, child benefit (€255/child), Wohngeld and other social benefits are all set to 2026 rates. Source: Federal Ministry of Labour and Social Affairs (BMAS) and German social code (SGB).
Guide
Quick Answer
The sick pay calculator computes the amount of sick pay that the statutory health insurance pays from the 7th week of illness.
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 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, capped at the contribution assessment ceiling (101,400 EUR/year = 8,450 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, unemployment and long-term care insurance (about 12.3 % of the sick pay). 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. Maximum entitlement period: 78 weeks (546 days) within 3 years for the same illness. 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 (about 12.3 %): 304.43 EUR. Net sick pay: 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.
Sources · E-E-A-T
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.
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