Four services, four different logics
At first glance, many social benefits sound similar. However, in everyday life they perform completely different tasks:
- pension is the long-term benefit for retirement.
- Parental allowance supports families after the birth of a child.
- Sick pay applies to prolonged illness.
- Unemployment benefit I secures the transition after job loss.
Which calculator helps with which question?
| computer | Key question |
|---|---|
| Pension calculator | Which monthly pension can be roughly derived from my earnings points? |
| Parental allowance calculator | How much could my parental allowance be approximately per month? |
| Sickness benefit calculator | What is left after six weeks of illness? |
| Unemployment benefit calculator | How high could ALG I be as a rough guide? |
| Parental leave calculator | How do I plan the periods around birth and parental leave? |
Pension: planning instead of notification
The Pension calculator is a planning tool. It helps to make salary points, pension value and possible discounts tangible. However, the information from the German pension insurance always remains binding.
Parental allowance: income before and after the birth
At the Parental allowance calculator It depends on the income before the birth and, if applicable, the income during the period of receipt. Bonuses for siblings or multiples also play a role. The parental allowance office and the official application remain decisive for the precise examination.
Sickness benefit: wage replacement in the event of a long-term illness
Sickness benefit usually only begins after six weeks of continued payment of wages. The Sickness benefit calculator shows how 70 percent of the gross, 90 percent of the net and the social security limits interact.
ALG I: flat rate net instead of real payout net
At the Unemployment benefit calculator It is important to understand that it is not your usual net that counts. The employment agency works with a flat-rate performance fee. That's exactly why this calculator is deliberately marked as an estimate.
Conclusion
Pension, parental allowance, sickness allowance and ALG I each follow their own logic. If you know which benefit corresponds to which situation, notices and calculations become much more understandable.