Austrian Social Security Calculator 2026
Calculate your Austrian social security contributions (Sozialversicherung) for 2026 based on your employment status and income. Covers health insurance (ÖGK), pension insurance (PVA), accident insurance, and unemployment insurance with the latest rates.
Enter Your Income Details
Provide your monthly income and employment details to calculate your social security contributions.
Understanding Austrian Social Security in 2026
In Austria, social security contributions (Sozialversicherungsbeiträge) are mandatory for all employees and self-employed persons. They fund four pillars of the welfare system: health care, retirement, workplace accident coverage, and unemployment protection. Contributions are split between employee and employer up to a monthly income ceiling — the Höchstbeitragsgrundlage — which rises to €6,930 in 2026.
Contribution Rates for 2026
Key changes vs 2025: unemployment rate reduced to 2.95% (from 3%), accident insurance employer rate reduced to 1.1% (from 1.2%), and the maximum contribution base rises from €6,450 to €6,930.
| Insurance Type | Employee Rate | Employer Rate | Self-Employed (GSVG) |
|---|---|---|---|
| Health Insurance (ÖGK / KV) | 3.87% | 3.78% | 7.65% |
| Pension Insurance (PVA / PV) | 10.25% | 12.55% | 22.8% |
| Accident Insurance (UV) | 0% | 1.1% | 1.1% |
| Unemployment Insurance (ALV) | 2.95% | 2.95% | 5.9% (optional) |
| Chamber of Labor (AK) | 0.5% | — | — |
| Total | 17.57% | 20.38% | 37.45% |
2026 Contribution Thresholds
- Maximum contribution base: €6,930/month
- Annual ceiling for special payments: €13,860
- Marginal employment threshold: €551.10/month (frozen from 2025)
- Minimum GSVG base: approximately €518.44/month
What Changed in 2026
- Max contribution base raised from €6,450 to €6,930 (+7.4%)
- Unemployment rate reduced: 3% → 2.95%
- Accident insurance employer rate: 1.2% → 1.1%
- Marginal threshold frozen at €551.10 (per Budgetbegleitgesetz 2025)
Coverage and Benefits
Health Insurance (ÖGK)
- Medical treatment and specialist care
- Prescription medications (with co-pay)
- Preventive screenings and check-ups
- Basic dental care
- Sick pay (Krankengeld) after 3 days
Pension Insurance (PVA)
- Old-age retirement pension
- Disability/invalidity benefits
- Survivor's pension for dependants
- Rehabilitation and retraining benefits
Accident Insurance (AUVA)
- Work-related accident treatment
- Occupational disease coverage
- Disability pension for workplace injuries
- Fully employer-funded (0% employee contribution)
Unemployment Insurance (AMS)
- Unemployment benefit (Arbeitslosengeld)
- Retraining and job placement support
- Insolvency protection pay
- Optional for GSVG self-employed (5.9%)
Special Employment Situations
Marginal Employment
Income below €551.10/month (Geringfügige Beschäftigung). Only accident insurance applies; no health, pension, or unemployment deductions for the employee. Employers pay a flat surcharge of ~16.4%.
Self-Employed (GSVG)
Covered by the GSVG scheme rather than ASVG. Contributions are paid entirely by the individual on a provisional basis and reconciled after tax assessment. Minimum contribution base applies.
13th & 14th Salaries
Special payments (holiday and Christmas bonuses) are taxed at a reduced flat rate up to the annual ceiling of €13,860. Separate contribution bases apply.
Note: This calculator is for informational purposes only. Rates and thresholds are based on published 2026 ASVG values. Individual circumstances — including reduced rates for lower incomes, industry-specific rules, and apprentice rates — may affect your actual contributions. Always verify with a tax professional or social security authority (ÖGK, SVS, or BVAEB) for binding advice.