Austria · Social security
Austrian social security calculator
Estimate your monthly contributions and your employer’s share. Choose your employment type and year to get started.
Rates checked
Official Austrian sources
Your income details
Calculated on your device. Your income is not sent to a server.
Your monthly estimate
Updates instantlyYour social security contribution
€542.10
18.07% of your monthly gross income
- Gross monthly income
- €3,000.00
- Remaining before income tax
- €2,457.90
- Employer pays separately
- €629.40
Income tax is still to be deducted. Your employer’s share is not deducted from your income.
Where your contribution goes
- Health insurance
- €116.10
- Pension insurance
- €307.50
- Unemployment insurance
- €88.50
- Chamber of Labour levy
- €15.00
- Housing contribution
- €15.00
Official rates checked on 31 October 2026. Employee unemployment reductions are included. Special payments, age-related exemptions and individual insurance rules are excluded. Employer totals exclude BV (occupational provision), DB/DZ, municipal tax and marginal payroll levies.
View official sources & calculation scopeThe essentials
Understand your contributions
What you pay, what your employer pays, and the limits that affect your estimate. Here’s how it works in 2026.
01
Your result, explained
Start with your share. Your employer’s contribution is paid separately.
Your contribution
The amount deducted from your gross salary for social insurance and the employee levies included here.
Remaining before income tax
Your salary after those deductions. Income tax still needs to come out, so this is not your take-home pay.
Example · Employee outside Vienna · 2026
- Gross salary
- €3,000.00
- Your contribution
- − €542.10
- Before income tax
- €2,457.90
Your employer pays another €629.40 in the contributions shown here. That amount does not come out of your salary.
02
Employee rates
For standard employment under ASVG, Austria’s general social insurance system.
At the standard rates, your share is 18.07% of gross salary outside Vienna. Lower earnings can reduce this, and contributions stop increasing above the monthly ceiling.
| Contribution | You | Employer |
|---|---|---|
| Health insurance | 3.87% | 3.78% |
| Pension insurance | 10.25% | 12.55% |
| Accident insurance | 0.00% | 1.10% |
| Unemployment insurance | 2.95% | 2.95% |
| Chamber of Labour levy | 0.50% | 0.00% |
| Housing contribution | 0.50% | 0.50% |
| Insolvency protection | 0.00% | 0.10% |
| Standard total | 18.07% | 20.98% |
These totals apply above €2,630/month and up to the contribution ceiling. Employer figures exclude occupational provision (BV), DB/DZ, municipal tax and industry-specific charges.
Earning €2,630 or less? Your unemployment rate is lower.
Only your unemployment contribution changes. The employer rate stays at 2.95%. The calculator applies these 2026 bands automatically:
- Up to €2,225
- 0%
- Above €2,225 to €2,427
- 1%
- Above €2,427 to €2,630
- 2%
- Above €2,630
- 2.95%
Working in Vienna? The housing contribution is higher.
In 2026, the housing contribution is 0.75% each for you and your employer in Vienna, compared with 0.50% each in the other states. This brings the standard employee total in Vienna to 18.32%. Select “Employment in Vienna” in the calculator if this rate applies to your job.
ÖGK: housing contribution03
Self-employed rates
For active compulsory insurance under GSVG, through the SVS.
Enter your SVS monthly contribution base, not your turnover. It is the amount used to work out your insurance contributions.
- Health insurance
- 6.80%
- Pension insurance
- 18.50%
- Accident insurance
- €12.95 / month
- Self-employed provision
- 1.53%
- Total shown in this estimate
- 26.83% + €12.95 / month
For 2026, the standard monthly base runs from €551.10 to €8,085.00. The minimum can still apply when earnings are low or zero, while compulsory insurance is active.
The estimate uses your entered base for pension, health and provisional self-employed provision. Voluntary unemployment insurance is excluded. New-business rules, exemptions, multiple insurance and final SVS assessments can change what you pay.
04
Income limits
The key figures for a regular month in 2026.
- Employee contribution ceiling
- €6,930.00
- Marginal earnings limit
- €551.10
per month. Earnings above this amount do not increase the capped contributions shown here.
per month. A single job at or below this limit is generally insured for work accidents only.
Compare limits for 2023–2026
| Year / source | Employee cap | Marginal limit | GSVG base range | GSVG accident premium |
|---|---|---|---|---|
| 2026 | €6,930.00 | €551.10 | €551.10–€8,085.00 | €12.95 |
| 2025 | €6,450.00 | €551.10 | €551.10–€7,525.00 | €12.07 |
| 2024 | €6,060.00 | €518.44 | €518.44–€7,070.00 | €11.35 |
| 2023 | €5,850.00 | €500.91 | €500.91–€6,825.00 | €10.97 |
All figures in this table are monthly. For employee special payments, the separate annual contribution ceiling is twice the monthly employee cap.
05
What it pays for
The main insurance benefits, subject to each scheme’s eligibility rules.
Health care
Covered medical care. Fees and co-payments depend on the service and your insurer.
Official health portalWork accidents
Treatment, rehabilitation and qualifying compensation for work accidents and occupational diseases.
Ministry: accident insuranceUnemployment
Qualifying unemployment benefits and support for returning to work. GSVG cover requires voluntary enrolment.
SVS: unemployment cover06
Common questions
A few details that can change your contribution or how you read it.
Does this include my 13th and 14th salary?
No. The calculator covers regular monthly payments. Special payments have a separate annual social-insurance ceiling of €13,860.00 in 2026. That ceiling is not an income-tax allowance.
ÖGK: special-payment ceilingWhat if I have a marginal job?
For one job at or below €551.10 a month in 2026, this calculator shows no compulsory personal deductions and only the employer’s accident contribution. Multiple jobs or other insurance can lead to additional personal assessments.
An additional 19.40% employer levy can apply when combined marginal payroll exceeds €826.65. That levy and other employer charges are excluded from this single-job estimate.
Can civil servants use this calculator?
Civil servants have separate public-service insurance and pension arrangements. The calculator does not collect enough details to give a reliable estimate for them, so it does not apply standard employee rates.
BVAEB: official contribution tablesDoes health insurance pay me from the fourth day of sick leave?
Krankengeld can start at the earliest on day four. Your entitlement also depends on eligibility and whether your employer continues to pay your salary.
ÖGK: sick-pay conditionsWhy might my payslip or SVS bill be different?
This is an estimate for a full month. Payroll and SVS assessments may round contributions differently, leading to differences of a few cents. Your circumstances can also change the result.
It does not calculate apprentices, pensioners, age-related exemptions, multiple jobs, partial months, cross-border cases, special payments or income tax. GSVG final assessments and new-business rules are also excluded. Choosing individual schemes creates a comparison scenario.
07
Sources & scope
Checked against official Austrian publications on 31 October 2026.
ÖGK
Employee rates, income limits and lower-income reductions.
SVS
GSVG rates, fixed accident premiums and self-employed provision.
Employee estimates include the housing and Chamber of Labour levies; employer figures include the IESG insolvency levy. Employer occupational provision (BV), DB/DZ, municipal tax, marginal payroll levies and sector-specific charges are excluded. GSVG estimates include 1.53% self-employed provision and exclude voluntary unemployment insurance.
Use this as a planning estimate. For an assessment of your individual situation, check with ÖGK, SVS, BVAEB or your adviser.