kurzarbeitergeld rechner

What is Kurzarbeitergeld?

Kurzarbeitergeld (often shortened to KuG) is a wage replacement benefit in Germany. It helps employees when a company temporarily reduces working hours due to economic challenges. Instead of layoffs, workers stay employed while receiving partial compensation for the lost net income.

The core idea is simple: if your hours are cut, your employer pays for the hours you still work, and the Federal Employment Agency covers part of the income loss through Kurzarbeitergeld.

How this kurzarbeitergeld rechner works

This page uses a practical, easy-to-understand model:

• Step 1: Calculate your monthly net income loss from reduced working time.
• Step 2: Apply the official replacement rate (60% or 67%).
• Step 3: Add optional employer top-up if available.
• Step 4: Sum all components to estimate your new monthly net income.

In formula form:

Estimated KuG = Net loss × Benefit rate

Total estimated net income = Net pay for worked hours + KuG + Employer top-up

Inputs explained

1) Normal monthly net salary

Enter your usual net salary before Kurzarbeit. This should be your typical take-home amount.

2) Remaining working time (%)

If you now work only half your prior schedule, enter 50%. If your company cut your hours to 80%, enter 80%.

3) Benefit rate (60% or 67%)

The standard rate is 60% of net loss. If you have at least one child in the household, the rate is usually 67%.

4) Employer top-up

Some employers voluntarily add an extra payment to reduce your income gap. If your agreement says your employer covers 20% of your net loss, enter 20.

Example scenario

Suppose your normal net salary is €2,400 and your working time drops to 50%:

• Income from worked hours: €1,200
• Net income loss: €1,200
• Kurzarbeitergeld at 60%: €720
• Total estimated net: €1,920

If your employer tops up 10% of net loss, that adds €120 and your total becomes €2,040.

Important notes about real payroll calculations

Actual payroll in Germany can be more complex. Depending on your personal tax class, church tax, social insurance details, supplementary payments, and current legal rules, the final amount can differ from a quick estimate.

• Payroll systems often use official Leistungssatztabellen.
• Special temporary legislation may change entitlements.
• Collective bargaining agreements can include additional employer support.
• Bonuses and one-time payments may be treated differently.

Who should use this calculator?

This kurzarbeitergeld rechner is useful for employees, HR teams, and anyone planning a household budget during reduced working hours. It is especially helpful for quick “what-if” checks before speaking with payroll or tax professionals.

Practical budgeting tips during Kurzarbeit

• Track fixed costs first: rent, utilities, transport, insurance.
• Build a reduced-hours monthly budget with conservative assumptions.
• Set aside a small emergency buffer, even if only 2–5% of income.
• Check whether you qualify for additional support programs.
• Review subscriptions and variable spending categories.

Final thought

Kurzarbeit is designed to protect jobs and stabilize income during temporary downturns. A reliable estimate helps you make better decisions quickly. Use the calculator above as a planning tool, then confirm final values with your employer or payroll office.