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.
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.
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 maternity benefit calculator computes the maternity pay during the protection periods before and after birth.
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 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 · 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.
Social Benefits
Related Calculators
Unemployment Benefit Calculator
Calculate your entitlement to unemployment benefit I. With benefit duration, assessment earnings and benefit rate. With current 2026 standard rates, allowances.
Housing Allowance Calculator
Check your entitlement to housing allowance. Calculation according to the Housing Allowance Act with rent level and income.
Child Benefit Calculator
Calculate your child benefit entitlement. Currently 259 euros per child per month. Free online, no registration required, up-to-date for 2026 benefits.
BAföG Calculator
Calculate your BAföG entitlement for university or school. With allowances and income assessment. Free online, no registration required, up-to-date for 2026.