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Sickness benefit calculator 2026

Estimate Swedish sickness benefit from an approximate SGI, benefit degree, payment level and number of payable days.

Your sickness-benefit assumptions

Enter an approximate annual SGI and the part of the sickness period you expect Försäkringskassan to pay. Use the tax field only for a simple planning net estimate.

Your details

This first release is source-versioned for 2026 only.

SEK

Use your known SGI if you have one. Otherwise enter a gross annual-income planning assumption; Försäkringskassan decides the official SGI.

Choose the degree of reduced work capacity: one quarter, one half, three quarters or full.

Normal level uses 80%; continuation level uses 75% after the relevant continuation point.

days

Calendar days paid by Försäkringskassan after any employer sick-pay period. Do not add days 1–14 for a typical employee.

Advanced settings
%

A simple percentage assumption for planning only. It is not Försäkringskassan’s tax-table calculation.

Results update instantly

Results

Example using default values

See daily, period and approximate monthly benefit before and after tax.

Approximate month after tax
SEK 19,535

A simple monthly planning figure after the tax assumption.

Approximate month before tax: SEK 27,907

Estimate, not a legal decision · Rule year: 2026

Read methodology

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

Treat the SGI input as a planning assumption

Only Försäkringskassan can determine your SGI. The calculator does not assess work history, SGI protection or eligibility.

The after-tax figures are approximate

The result subtracts the percentage you entered. Actual withholding can differ because of tax tables, other income and deductions.

Employer sick pay is kept separate

For a typical employee, the employer covers up to 14 calendar days and Försäkringskassan normally starts from day 15. The total above includes only the payable days you entered.

Benefit per payable day after tax
SEK 643

Gross calendar-day benefit reduced by your planning tax rate.

Selected period after tax
SEK 19,278

Selected-period gross benefit reduced by the planning tax rate.

Selected period before tax
SEK 27,540

Daily gross benefit multiplied by the payable days you entered.

Benefit per payable day before tax
SEK 918

Gross calendar-day benefit after applying the selected degree.

Result details

SGI used in estimate
SEK 432,000

The lower of your planning SGI and the 2026 ceiling.

2026 SGI cap
SEK 592,000

Ten price base amounts for 2026.

Rule year
2,026

The source-year rule set used by this first release.

Full-day benefit before tax
SEK 918

The calculated full-day amount before scaling for the selected benefit degree.

Benefit level
normal

The selected statutory level used by the simplified model.

Replacement rate
80.00%

80% at normal level or 75% at continuation level.

Benefit degree
100.00%

The share of a full sickness-benefit day used in the estimate.

Payable days
30

The days included in the selected-period total.

Calculation basis
365

The annual formula divides by 365 calendar days.

Employer sick-pay period
14

Typical employee sick-pay handoff before Försäkringskassan benefit.

Typical first Försäkringskassan day
SEK 15

Typical handoff day when employer sick pay applies for days 1–14.

Tax rate used
30.00%

The percentage used for the optional net estimate.

Analysis & guidance

  • Start with the official SGI

    If Försäkringskassan has already decided your SGI, use that number rather than guessing from your latest payslip.

  • Keep the handoff visible

    Budget employer sick pay and Försäkringskassan sickness benefit as separate parts of the same sickness period.

  • Test reduced capacity

    Compare 25%, 50%, 75% and 100% to see how a partial return to work changes the daily and monthly planning figures.

About this calculator

Sickness benefit 2026: SGI, maximum amounts, degree and tax

Fact checked: 27 August 2026.

This calculator gives a planning estimate of Swedish sickness benefit from Försäkringskassan. Enter a known SGI or an approximate annual income, benefit degree, level, payable days and an optional tax rate. It shows gross and estimated net amounts, not an entitlement decision.

2026 amounts

  • Maximum SGI: SEK 592,000 per year.
  • Maximum calendar-day sickness benefit: SEK 1,259 at 80%.
  • Maximum calendar-day sickness benefit: SEK 1,180 at 75%.
  • Minimum amounts: SEK 30 at 80% and SEK 28 at 75%.

Formula and examples

At the normal level the model uses min(SGI, 592,000) × 0.97 × 0.80 / 365, rounded to whole kronor. The continuation level uses 75%. It then scales the full-day amount to 25%, 50%, 75% or 100% and multiplies it by the payable days entered. The monthly comparison uses 30.4 calendar days and is not a payment schedule.

At the 2026 SGI ceiling, a full normal-level day is SEK 1,259 and a full continuation-level day is SEK 1,180 before tax. A 50% degree halves the planning daily amount. Actual payment can differ because Försäkringskassan decides SGI, eligibility, qualifying days and deductions.

Employer sick pay is separate

For a typical employee, the employer pays sick pay for up to the first 14 calendar days. If the sickness continues, Försäkringskassan sickness benefit normally starts from day 15. The calculator therefore asks for Försäkringskassan payable days and never silently adds employer sick pay. Self-employed people, unemployed people and employees without sick-pay rights can follow another route.

Scope and official sources

The model does not decide SGI, work-capacity assessment, karensavdrag, protected SGI, rehabilitation rules, irregular work, serious-illness exceptions, collective-agreement top-ups or exact tax withholding. An income-derived SGI is a planning assumption only. Verify the result with Försäkringskassan’s SGI information, current amounts and the employee sickness guide.

How the calculation works

How this sickness-benefit estimate works

The model caps the planning SGI at SEK 592,000 for 2026 and applies SGI × 0.97 × 80% / 365 at the normal level. The result is rounded to whole kronor, then scaled by the selected 25%, 50%, 75% or 100% benefit degree. The continuation level uses 75% and the official 2026 minimums of SEK 30 and SEK 28 per calendar day.

Normal and continuation levels

Försäkringskassan publishes a highest calendar-day sickness benefit of SEK 1,259 at 80% and SEK 1,180 at 75% for 2026. These figures are useful ceiling checks, but your payment can be lower because SGI, degree, eligibility and payment days are individual.

The employer handoff matters

For a typical employee, the employer pays sick pay for up to the first 14 calendar days. Sickness benefit from Försäkringskassan normally starts from day 15. This estimate asks for payable Försäkringskassan days, so it never silently adds employer sick pay to the result. Self-employed people and employees without sick-pay rights can have a different first-day route.

What this calculator does not decide

This is a planning estimate, not a decision. It does not determine your SGI, eligibility, qualifying conditions, karensavdrag, protected SGI, rehabilitation rules, irregular work, unemployment, self-employment, serious illness exceptions, collective-agreement top-ups or the exact tax withheld. Verify the result with Försäkringskassan before relying on it.

Common questions

What is the maximum sickness benefit in 2026?

Försäkringskassan lists a maximum calendar-day sickness benefit of SEK 1,259 at 80% and SEK 1,180 at 75% for 2026. The exact amount depends on your official SGI, benefit degree and circumstances.

Why does the calculator ask for SGI instead of only salary?

Sickness benefit is based on the SGI Försäkringskassan establishes, not a simple salary field. If you do not know your SGI, you can enter annual income as an explicitly labelled planning approximation.

Does the estimate include the first 14 days of sickness?

No. For a typical employee, the employer pays sick pay for up to the first 14 calendar days. The result uses the Försäkringskassan payable days you enter so employer sick pay is not silently combined with sickness benefit.

Is the after-tax amount exact?

No. It is a simple percentage scenario. Försäkringskassan withholding and your final tax depend on tax tables, other income, deductions and the full year.

Can unemployed or self-employed people use this calculator?

Not as a reliable first-release estimate. Their payment route, qualifying rules and first sickness days can differ, so verify directly with Försäkringskassan.

How to read this calculator

These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.

Estimate, not a legal decision

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

Methodology

Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.

Read methodology

Sources and updates

Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.

Read about sources

Official sources

Last reviewed
Rules effective from
Rule set
Swedish sickness-benefit rules for 2026

Important limitations

  • The result is an estimate
  • The authority decides your eligibility
  • Your individual facts can change the outcome
  • Rates and rules can change
Verify with the responsible authority or service

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