Unemployment Benefit Calculator - CARES Act

Your details

Traditional employees use regular state UI. Self-employed, independent contractors, and gig workers use Pandemic Unemployment Assistance (PUA).
Your state determines the benefit formula, maximum weekly benefit amount, and maximum weeks of coverage.
Your gross weekly earnings before taxes in your most recent job. For self-employed: divide your net annual self-employment income by 52.
USD
Phase 1: CARES Act Mar 29 - Jul 25 2020 added $600/week. Phase 2: CRRSA/ARP added $300/week through Sep 6 2021.
How many weeks of state unemployment insurance you are eligible for. Most states offer 12 to 26 weeks.
weeks
Pandemic Emergency Unemployment Compensation extended benefits for traditional employees who exhausted state UI. PEUC added up to 53 weeks total across legislation.
Total weekly benefitHigh replacement (70%+)
$1,104

State WBA plus any FPUC supplement, your full weekly take-home

State weekly benefit amount$504
Federal supplement (FPUC)$600
Maximum eligible weeks39
Estimated total payout$43,056
Wage replacement rate0.9%
State maximum WBA$504
PEUC extension weeks13
State WBA$504
FPUC Federal Supplement$600
0.9% x wage
Below 50% replacement<0.550-70% replacement0.5-0.770-100% replacement0.7-1Above full replacement1+

Your estimated total weekly benefit is $1104 (state $504 + federal $600 supplement).

  • Your total weekly benefit of $1104 replaces about 92% of your previous $1200 weekly wage.
  • The $600 FPUC federal supplement alone accounts for 54% of your total weekly benefit - a significant share of your income during this period.
  • Your state WBA is capped at NY's maximum of $504/week. Higher earners hit this ceiling and receive a smaller proportional replacement.
  • Over 39 weeks, your estimated maximum total benefit is $43,056.

Next stepCARES Act pandemic programs ended in 2021. If you are currently unemployed, contact your state unemployment office for current benefit amounts and eligibility rules.

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