Calculate Maternity Protection, Allowance and Employer Subsidy
Calculate your German Schutzfrist under §3 MuSchG, the maternity allowance from your health insurance (§19) and the employer subsidy (§20) — with one-click adjustment for multiple or premature births.
Multiple Birth
Premature Birth
Disabled Child
- Maternity Protection Period
- 98 days
- Before Birth
- 42 days
- After Birth
- 56 days
- From
- 20 June 2026
- Until
- 26 September 2026
Maternity Allowance
€13.00/ day
Health Insurance Total: €1,274
Employer Subsidy
€70.33/ day
Employer Total: €6,893
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Breakdown
| Category | Amount |
|---|---|
| Net per Day (basis) | €83.33 |
| Maternity Allowance (health insurance) | €1,274 |
| Employer Subsidy | €6,893 |
| Total | €8,167 |
Note: Calculation based on §3, §19, §20 MuSchG (2026). Maternity allowance from the health insurance is capped at €13/day. The employer pays the difference to the average net pay of the last 3 months. Special rules apply to privately insured and self-employed women.
Background
German Maternity Protection 2026: Schutzfrist, Maternity Allowance and Employer Subsidy Explained
11 Min.