Estimate German statutory sick pay (Krankengeld): 70 % of your gross, capped at 90 % of net and the contribution ceiling, minus social contributions.
How to use the Sick Pay Calculator
Enter your gross and net monthly salary.
Set whether you are childless, which raises the care-insurance share.
See your daily and monthly sick pay, before and after social contributions.
This calculator estimates statutory sick pay (Krankengeld), which your health insurance pays when you are unable to work for a long period after your employer's continued pay ends.
The gross benefit is 70 % of gross, capped at 90 % of net and at the contribution ceiling. These caps mean higher earners do not receive a full 70 % of their pay once the limits bite.
It then deducts your share of pension, unemployment and care insurance to show the net amount per day and per month, which is closer to what actually reaches you.
It is an estimate for 2026. Your health insurance calculates the binding figure, so treat this as a planning aid and check with them for the exact amount.
Frequently asked questions
It is 70 % of your gross regular pay (Regelentgelt), but never more than 90 % of your net pay. The gross daily basis is also limited by the health-insurance contribution ceiling.
Your share of pension, unemployment and long-term care insurance is deducted. Health-insurance contributions are not levied on Krankengeld, and the recipient does not pay the pension share alone.
Because the daily Regelentgelt is capped at the contribution ceiling, gross Krankengeld tops out at about 135 € per day, or roughly 4,070 € per month before deductions.
For the same illness, statutory health insurance pays Krankengeld for up to 78 weeks within three years, after the period of continued pay from your employer.
This tool is for general information only and is not financial, tax, or legal advice. Results are estimates that depend on your situation and current rules, so check the official source or a qualified professional before you act.
Embed this tool
Add this tool to your own website. Copy the snippet below; it stays up to date automatically.
<iframe src="https://monu.tools/embed/en/krankengeld-rechner" width="100%" height="640" style="border:1px solid #e5e5e5;border-radius:12px;max-width:680px" loading="lazy" title="Monu Tools"></iframe>Related tools
Work out your German statutory vacation entitlement, pro-rated for part-time working days and a partial year, under the Federal Leave Act (BUrlG).
Add up cold rent, operating costs and heating into the warm rent, see the price per square metre, and check the rent-to-income ratio.
Work out your share of a building's operating costs by living area and reconcile it against your advance payments, to see a refund or back payment.
Calculate the monthly payment, total interest and effective APR for an annuity loan or credit. Includes an optional fee and a year-by-year repayment chart.