Gratis verktøy
EU sykepenger-kalkulator
Velg landet ditt, oppgi månedlig brutto + forventede sykedager — vi anvender landsspesifikke faser (arbeidsgiverens fortsatte lønn, overtakelse av Krankenkasse / mutuelle / INPS / UWV / ZUS / CPAM / ÖGK). Faseoppdeling som viser hver betaler, månedlig beløp og varighet. Konservativ utforming — lenke til offisiell kilde.
⚠ Dette er et estimat
Sykepengeberegninger avhenger sterkt av din tariffavtale (CCN/CAO/Tarifvertrag/CCNL), ansiennitet, sykdomstype (arbeidsrelatert vs alminnelig) og tidligere sykdomsepisoder i kvalifiseringsvinduet. Vi bruker hvert lands lovbestemte minimum — mange CAO/CCN supplerer til 100% netto for de første 1-12 månedene. Sjekk alltid kontrakten din OG ditt lands trygdebyrå før du stoler på disse tallene for økonomisk planlegging.
Faseoppdeling
- Lohnfortzahlung — employer pays 100% gross30 daysArbeidsgiver€4,000/mo
Hvordan landets system fungerer
- 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.
Merknader
- 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.
⚠ Viktige advarsler
- 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.
Juridisk ansvarsfraskrivelse
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.
Hvordan sykepenger varierer i Europa
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.
Ofte stilte spørsmål
Short answers to the questions people most often ask before relying on the page.