Ilmainen työkalu
EU sairauspäiväraha-laskin
Valitse maasi, syötä kuukausibrutto + odotetut sairauspäivät — sovellamme maakohtaisia vaiheita (työnantajan jatkettu palkka, Kelan / Krankenkasse / mutuelle / INPS / UWV / ZUS / CPAM / ÖGK haltuunotto). Vaiheittainen erittely, joka näyttää kunkin maksajan, kuukausisumman ja keston. Konservatiivinen suunnittelu — linkki viralliseen lähteeseen.
⚠ Tämä on arvio
Sairauspäivärahalaskelmat riippuvat suuresti työehtosopimuksestasi (CCN/CAO/Tarifvertrag/CCNL), palvelusvuosistasi, sairauden tyypistä (työperäinen vs yleinen) ja aiemmista sairausjaksoista oikeuttavalla aikajaksolla. Käytämme jokaisen maan laillista vähimmäismäärää — monet CAO/CCN täydentävät 100 %:iin nettopalkasta ensimmäisten 1-12 kuukauden ajan. Tarkista aina sopimuksesi JA maasi sosiaaliturvavirasto ennen kuin luotat näihin lukuihin taloudellisessa suunnittelussa.
Vaiheittainen erittely
- Lohnfortzahlung — employer pays 100% gross30 daysTyönantaja€4,000/mo
Miten tämän maan järjestelmä toimii
- Lohnfortzahlung: employer pays 100% of your normal gross salary for the first 6 weeks (42 calendar days) per illness.
- Krankengeld: from day 43, your statutory health insurance (Krankenkasse) pays 70% of gross income capped at 90% of net. Maximum 78 weeks per illness within 3 years.
- If you fall ill again with the same illness within 6 months of returning to work, the same 78-week clock continues — it does NOT restart.
- Krankengeld is taxable (subject to Progressionsvorbehalt) but free from social-security contributions.
Huomautukset
- After 78 weeks of Krankengeld, eligibility for Erwerbsminderungsrente (reduced-earnings pension) is assessed if the illness persists.
- Many CCN/Tarifvertrag agreements top up the Krankengeld to 100% of net during weeks 7-26. Check your CCT.
⚠ Tärkeitä varoituksia
- Submit the 'Arbeitsunfähigkeitsbescheinigung' (yellow sick note) to your employer within 3 working days. Late submission can lead to wage deduction.
- From day 43, you must register with your Krankenkasse — your employer no longer files for you. Set a reminder for week 6.
Oikeudellinen vastuuvapauslauseke
WorkDaten provides this sick-leave calculator for informational purposes only. Calculations use the publicly available 2026 statutory minimum sick-pay formulas of each country. They do NOT constitute medical, legal, or financial advice. Real entitlement depends on the exact diagnosis classification (work-related vs common, ALD/long-term, pregnancy-related), your specific collective bargaining agreement, employer-paid top-ups, your tenure, and prior sick-leave episodes. Each country's social security agency / Krankenkasse / mutuelle / INPS / UWV / ZUS / CPAM / ÖGK is the final authority on the actual amount you receive. We accept no liability for financial decisions based on this tool.
Miten sairauspäiväraha eroaa Euroopassa
European countries take very different approaches to paying for sick leave. The Netherlands has the most generous: employer pays 70% (often topped up to 100% by CAO) for up to TWO YEARS. Germany splits the burden: employer pays 100% for 6 weeks, then Krankenkasse 70% gross / 90% net for up to 78 weeks. Spain and France insert a 'carencia' (Spain: days 1-3 unpaid; France: 3-day waiting period unless tenure ≥1 year). Belgium pays 100% from employer for the first 30 days, then mutuelle 60%. Italy has the lowest INPS rate (50% days 4-20, 66.66% days 21+) but most CCNL top up to 100% for the first 3-12 months.
Two patterns matter most: (1) the EMPLOYER usually pays the first phase at the highest rate (90-100% in DE, AT, BE, NL) and the SOCIAL INSURER takes over at a reduced rate from a certain day or week. (2) the COLLECTIVE BARGAINING AGREEMENT (CCN/CAO/Tarifvertrag/CCNL) often tops up the social insurer's rate to maintain 100% net for several months. Always check both your contract AND the relevant agreement.
Use this for an honest first read. Then check your specific contract clauses + your country's Krankenkasse/mutuelle/INPS/UWV/ZUS/CPAM/ÖGK before relying on the numbers for major financial decisions.
Usein kysytyt kysymykset
Short answers to the questions people most often ask before relying on the page.