Maternity Benefit Calculator
Calculate your maternity benefit during maternity leave. With employer supplement. Free online, no registration required, up-to-date for 2026 benefits.
Details
Average net salary of the last 3 months before the start of the protection period
Total Maternity Benefit / Day
83,33 €
2.500,00 € per month
Health Insurance / Day
13,00 €
max. 13,00 €/day
Employer Supplement / Day
70,33 €
Net/day - HI share
Total benefit during protection period (98 days)
8.166,67 €
6 weeks before + 8 weeks after delivery
Monthly Breakdown
Note: Health insurance pays a maximum of 13,00 € per day. The employer covers the difference to net salary as a supplement. Special rules apply for privately insured or mini-job workers. 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 is maternity benefit?
Statutory health insurance pays 13 euros per day. The employer supplements the difference up to the average net salary. Total maternity benefit thus equals your full net salary during maternity protection.
Who is entitled to maternity benefit?
All pregnant women in statutory health insurance who are employed or in a marginal employment relationship are entitled. Private health insurance members receive a one-time payment of up to 210 euros.
What is the Maternity Benefit Calculator?
The maternity benefit calculator computes the maternity pay during the protection periods before and after birth.
How does the Maternity Benefit Calculator work?
Enter your net salary. The health insurance fund pays max. 13 euros/day; the employer tops up to the full net salary (supplement = daily net minus 13 euros). The calculator computes the total benefit for the entire maternity leave.
Key Data and Facts
Maternity benefit from the fund: max. 13 euros/day. Protection period: 6 weeks before and 8 weeks after birth (12 weeks for premature/multiple births). Employer supplement up to full net salary.
Step-by-Step Guide
How to calculate das Mutterschaftsgeld step by step: 1. Nettoeinkommen determine: Massgeblich ist das durchschnittliche Nettogehalt der letzten drei Monate vor Beginn der Schutzfrist. 2. Mutterschaftsgeld der Krankenkasse: Die gesetzliche Krankenkasse zahlt maximal 13 EUR pro Kalendertag. Bei net unter 390 EUR/month: nur der anteilige Betrag. Privat versicherte Frauen erhalten ein einmaliges Mutterschaftsgeld von 210 EUR vom Bundesamt fuer Soziale Sicherung. 3. Arbeitgeberzuschuss calculate: Nettotagesgehalt minus 13 EUR = Arbeitgeberzuschuss pro day. Nettotagesgehalt = monthly net / 30. 4. Gesamtleistung pro month: (13 EUR + Arbeitgeberzuschuss) x 30 = volles Nettogehalt. 5. Dauer der Zahlung: 6 Wochen vor dem errechneten Geburtstermin + 8 Wochen nach der Geburt (12 Wochen bei Frueh-/Mehrlingsgeburt). Insgesamt 14 Wochen (= 98 days). Beispiel: Arbeitnehmerin mit 2.700 EUR Nettogehalt/month. Nettotagesgehalt: 2.700 / 30 = 90 EUR. Mutterschaftsgeld Krankenkasse: 13 EUR/day. Arbeitgeberzuschuss: 90 - 13 = 77 EUR/day. Gesamtleistung: 90 EUR/day = 2.700 EUR/month. Fuer 14 Wochen (98 days): Krankenkasse: 98 x 13 = 1.274 EUR. employer: 98 x 77 = 7.546 EUR. Gesamtleistung: 8.820 EUR. Der Mutterschutz ist steuerfrei, unterliegt aber dem Progressionsvorbehalt.
Calculation Example
net 2.700 EUR/month. KK-Mutterschaftsgeld: 13 EUR/day. Arbeitgeberzuschuss: 77 EUR/day. Gesamtleistung fuer 14 Wochen (98 days): 8.820 EUR (steuerfrei).
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