Maternity Benefit Calculator Germany
Calculate German maternity pay from your average net salary: health insurer share (max. 13 € a day) plus employer top-up per day, month and whole period.
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.
FAQ
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.
How much maternity benefit do I receive for the whole protection period?
The calculator divides your average net salary by 30 and multiplies the daily rate by the 98 calendar days of the regular protection period (6 weeks before and 8 weeks after the birth). With a net salary of 2,500 euros, that is 83.33 euros a day and about 8,166.67 euros in total: 1,274 euros are paid by the health insurer (13 euros × 98 days) and 6,892.67 euros by the employer as a supplement. For premature or multiple births the protection period after the birth lasts 12 instead of 8 weeks; with 126 days, the same example would come to 10,500 euros.
Guide
What is the Maternity Benefit Calculator Germany?
The maternity benefit calculator computes the maternity pay during the protection periods before and after birth.
How does the Maternity Benefit Calculator Germany 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 maternity benefit step by step: 1. Determine your net income: What matters is the average net salary of the last three months before the start of the protection period. 2. Maternity benefit from the health insurance fund: The statutory health insurance fund pays a maximum of 13 EUR per calendar day. With a net income below 390 EUR/month: only the proportionate amount. Privately insured women receive a one-off maternity benefit of 210 EUR from the Federal Office for Social Security. 3. Calculate the employer allowance: Net daily salary minus 13 EUR = employer allowance per day. Net daily salary = monthly net / 30. 4. Total benefit per month: (13 EUR + employer allowance) x 30 = full net salary. 5. Duration of payment: 6 weeks before the calculated due date + 8 weeks after the birth (12 weeks for premature or multiple births). A total of 14 weeks (= 98 days). Example: An employee with a net salary of 2,700 EUR/month. Net daily salary: 2,700 / 30 = 90 EUR. Maternity benefit from the health insurance fund: 13 EUR/day. Employer allowance: 90 - 13 = 77 EUR/day. Total benefit: 90 EUR/day = 2,700 EUR/month. For 14 weeks (98 days): health insurance fund: 98 x 13 = 1,274 EUR. Employer: 98 x 77 = 7,546 EUR. Total benefit: 8,820 EUR. Maternity protection is tax-free but subject to the progression proviso.
Calculation Example
Net 2,700 EUR/month. Health insurance maternity benefit: 13 EUR/day. Employer supplement: 77 EUR/day. Total benefit for 14 weeks (98 days): 8,820 EUR (tax-free).
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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