On €30,000 collected, a liberal professional gets €27.12 a day and a seller of goods €11.92, 2.3 times less, purely because of the allowance.
Answer six questions once: this tool and the others will fill themselves in. Create my profile
It sets your standard allowance, and that allowance decides your benefit: social security does not count what you collect, but what is left after it.
Information verified on October 1, 2026. Indicative calculator with no legal force. The figures it applies are taken from official sources and dated: only your tax notice and the tax authorities are binding.
The official pages where we read the rules and amounts applied here.
It looks at what remains after the standard allowance for your activity, exactly as the tax office does. For sales, the 71% allowance leaves only 29% of turnover: €30,000 collected becomes €8,700 of assessed income. That figure alone is divided by 730 to give your daily benefit.
The income used is the average of the three preceding calendar years. A strong year therefore does not immediately lift your cover, and a blank year still weighs two years later. A new founder receives nothing in their first year: twelve continuous months of affiliation are required before any payment.
Payment starts on the fourth day, and the counter resets with each new absence. Three bouts of flu in a year cost nine unpaid days, which makes the cover especially thin on short absences, the most common kind.
| Activity | Allowance | Minimum turnover | Benefit at €30,000 turnover |
|---|---|---|---|
| Sale of goods | 71% | €15,800 | €11.92 a day |
| Commercial services (BIC) | 50% | €9,164 | €20.55 a day |
| Liberal profession (BNC) | 34% | €6,942 | €27.12 a day |
The official threshold is published as income, €4,582 a year, which makes it unusable as such: translated into turnover, it shows that a seller must collect more than twice what a liberal professional does to open any entitlement. The benefit caps at €65.84 a day, the annual social security ceiling divided by 730.
Camille is a freelance developer, Marc resells equipment. Both have collected €30,000 a year on average for three years.
Camille: €30,000 less the 34% allowance gives €19,800 of assessed income, that is €27.12 a day.
Marc: €30,000 less the 71% allowance gives €8,700, that is €11.92 a day.
Over thirty days off, waiting period deducted, Camille receives €732 and Marc €322.
For a single month off, the gap is €410, and it comes entirely from their allowance.
Compare the amount with your fixed monthly costs. You will see whether you can hold out for a month off.
The absence is declared to the health insurance fund within forty-eight hours, as for an employee.
Judge a private protection policy on what it adds to this amount. The gap to fill sets the right level of cover.
Check your policy's waiting period. Many start paying well after the fourth day.
Twelve continuous months of affiliation are required. A business started this year covers nothing, whatever its turnover.
Below the minimum income the benefit is nil, not merely reduced.
This is where individual protection cover changes the most, since it steps in where the compulsory scheme pays nothing.
The calculation is redone each year on a rolling average. A full year can take you over the threshold.
For €30,000 collected, a micro-entrepreneur receives only €12 to €27 a day in sick pay depending on the activity, because the benefit is based on your income, meaning your turnover minus the allowance for your activity. For sales, 29% is left: €30,000 counts as €8,700, and that amount, divided by 730, gives the daily benefit.
In 2026, a micro-entrepreneur opens entitlement to sick pay from an average annual income of €4,582, which means very different turnovers depending on activity: around €6,900 for a liberal profession, €9,200 for services and €15,800 for sales. Below that level, nothing is paid, even for a long absence.
The income used for a micro-entrepreneur's sick pay is the average of the three preceding calendar years. With €12,000, then €30,000, then €36,000 collected, the calculation starts from an average of €26,000: your best year counts for only a third.
A micro-entrepreneur on sick leave has three waiting days, with payment starting on the fourth. The waiting period applies at the start of each absence: three short absences in a year cost nine unpaid days.
A micro-entrepreneur's sick pay requires twelve continuous months of affiliation. A business started less than a year ago opens no entitlement, whatever its turnover.
In 2026, a micro-entrepreneur's daily sick pay is capped at €65.84 gross per day. That figure is the annual social security ceiling, €48,060, divided by 730. Above that income the benefit no longer rises.
Free, no account needed. Paste this code into your page: the tool shows in full and adjusts to its height. The figures are kept up to date on our side, with nothing to do on yours.
<iframe src="https://believemy.com/embed/en/sick-leave-benefit-calculator" title="Sick leave benefit calculator" width="100%" height="720" style="border:0;max-width:760px" loading="lazy"></iframe> <script async src="https://believemy.com/static/embed-v1.js"></script> <p>Sick leave benefit calculator, a tool by <a href="https://believemy.com/en/tools/sick-leave-benefit-calculator">Believemy</a></p>
By embedding this tool, you accept our terms of use for the tools.
This calculation is also available in ChatGPT, Claude or Gemini. See how to add it
You are the only one carrying your business.
Believemy is the school for solopreneurs. You learn to build, to raise your game with AI, and to sell.
See the courses