Benefits

Sickness benefit calculator

The calculator checks 70 percent of the gross, 90 percent of the net and the contribution assessment limit.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

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Calculator

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Calculation path

Step by step

  1. Contribution-relevant gross

    Formula: Gross, capped at the health insurance contribution assessment limit

    Result: €3,200.00

  2. 70 percent of gross per day

    Result: €74.67

  3. 90 percent of net per day

    Result: €63.00

  4. Gross sick pay per day

    Formula: Lower value of 70 percent of the gross and 90 percent of the net

    Result: €63.00

  5. Net sick pay per day

    Formula: Minus pension, unemployment and nursing care insurance

    Result: €55.19

Instructions

How to use this calculator correctly

Inputs

  • It is best to take gross and net income from a current payslip.

Read the result

  • You see the estimated daily value and a monthly orientation over 30 days.
  • The calculation automatically checks the common limits.

Boundaries

  • One-off payments, child sickness benefits and individual characteristics are not fully reflected.

Related guide: Classify pensions, parental benefits, sickness benefits and unemployment benefits in an understandable way

Examples

Typical calculations

3,200 euros gross, 2,100 euros net.

Average income

Net sick pay per day: €55.19

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6,500 euros gross, 3,800 euros net.

Higher income

Net sick pay per day: €99.86

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1,900 euros gross, 1,420 euros net.

Part time

Net sick pay per day: €37.32

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FAQ

Frequently asked questions

When does sick pay start?

Usually after six weeks of continued payment, i.e. from the 43rd day of illness.

Why is the sick pay below my net benefit?

Because 70 percent of the gross and 90 percent of the net are checked and additional social security contributions are deducted.

How long is sick pay paid for?

Because of the same illness, a maximum of 78 weeks within three years.

Is sick pay taxable?

It is tax-free, but affects your tax return via the progression reservation.

Why is my health insurance company's decision different?

One-off payments, special cases and daily data from the health insurance company can change the result.

Related calculators

Continue seamlessly

Gross-Net Calculator

Convert monthly or annual gross into expected net and deductions for Germany.

Sources and notes

Rule status and context

source
National Association of Statutory Health Insurance Funds / German Pension Insurance / Federal Government
Stand
Calculation variables 2026, sick pay according to standard logic of the GKV.