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Unemployment Calculator 2026

Calculate your unemployment benefit with the 2026 unemployment calculator. Free and updated SEPE unemployment calculation.

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Your unemployment benefit

Your unemployment benefit

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How does the 2026 unemployment calculator work?

Our SEPE unemployment calculator allows you to calculate unemployment quickly and accurately. It uses the same formulas as SEPE to determine your unemployment benefit according to your contribution base, days worked and dependents. It's the perfect tool to know how unemployment is calculated and plan your finances.

How to calculate my unemployment benefit?

The unemployment calculation is based on your regulatory base (average contributions of the last 180 days). During the first 180 days you receive 70% of the regulatory base, and from day 181 you receive 50%. To calculate my unemployment, enter your gross monthly salary, the days you have contributed and whether you have dependent children. The 2026 unemployment calculator will automatically apply the maximum caps according to the current IPREM.

Formula to calculate SEPE unemployment

Daily regulatory base = (Gross monthly salary × 12) ÷ 365. Benefit first 6 months = Regulatory base × 70%. Benefit after 6 months = Regulatory base × 50%. Maximum caps depend on your family responsibilities: no children 175% IPREM (≈€1,225), with 1 child 200% IPREM (≈€1,400), with 2+ children 225% IPREM (≈€1,575). Benefit duration varies by days contributed: minimum 360 days for 4 months benefit, maximum 1,800 days for 24 months.

Calculator advantages

  • Free unemployment calculator: calculate your unemployment benefit at no cost
  • Official SEPE calculation: uses exact Public Employment Service formulas
  • Updated 2026 calculator: with current maximum caps and percentages
  • Considers dependents: adjusts calculation according to dependent children
  • Calculates benefit duration: indicates how many months you can receive based on contributed days
  • Gross vs net difference: informs that final amount will be lower due to withholdings
  • Easy to use: only need your salary and contributed days to calculate benefit
  • Instant results: know immediately how much you will receive monthly

This unemployment calculator is for guidance and uses official SEPE formulas. For an exact and personalized calculation, consult directly with the State Public Employment Service (SEPE) or a labor advisor.

Frequently Asked Questions

Can I apply for unemployment if I worked less than 1 year?
No, to access the contributory unemployment benefit you need at least 360 contributed days in the last 6 years. If you worked less, you might be eligible for an unemployment subsidy if you meet personal and economic requirements (low income, family responsibilities, etc.).
How is my unemployment benefit calculated?
Unemployment is calculated from your regulatory base, which is the average of your contribution bases from the last 180 days worked. During the first 6 months (180 days) you receive 70% of that regulatory base, and from day 181 you receive 50%. Additionally, maximum caps are applied depending on whether you have dependent children.
What is the maximum unemployment benefit I can receive?
The maximum gross unemployment benefit in 2026 depends on your dependents: without children it's approximately €1,225 monthly (175% of IPREM), with one child around €1,400 (200% of IPREM), and with two or more children about €1,575 (225% of IPREM). These amounts are gross; the net will be lower after withholdings.
How long can I receive unemployment benefits?
The duration of unemployment depends on the days you have contributed in the last 6 years. With the minimum of 360 contributed days you can receive 4 months of unemployment. To reach the maximum of 24 months of benefits you need to have contributed at least 1,800 days (5 complete years).
How do dependent children affect unemployment calculation?
Having dependent children increases the maximum cap of the unemployment benefit. Without children the cap is 175% of IPREM, with one child it's 200%, and with two or more children it's 225%. This means you can receive a higher amount if you have family responsibilities, always within legal limits.
Is unemployment the same if a month has 31 days?
Yes and no. SEPE calculates unemployment by natural days, not by complete months. This means that if the month has 31 days you'll receive a bit more than in a 30-day month, because the daily benefit is multiplied by the actual days of the month.
What's the difference between gross and net unemployment?
Gross unemployment is the amount resulting from applying SEPE formulas (70% or 50% of the regulatory base). Net unemployment is what you actually receive in your account after deducting income tax withholdings and Social Security contributions. Typically, net unemployment is 5% to 10% lower than gross.
Can I receive an unemployment subsidy after exhausting the benefit?
Yes, if you have exhausted the contributory benefit you can apply for an unemployment subsidy. To do so you must meet certain requirements: have family responsibilities or be over 52 years old, have low income (less than 75% of minimum wage), and be registered as a job seeker. The subsidy is a lower amount (generally 80% of IPREM).