Unemployment Benefit Calculator
Get a rough estimate of your weekly unemployment benefits based on your prior quarterly earnings. Keep in mind that exact amounts depend on your state, filing status, and the year you apply. This calculator gives you a general idea of what to expect.
Unemployment insurance provides temporary income to workers who have lost their jobs through no fault of their own. In most states, your weekly benefit is calculated as a percentage (typically 40-60%) of your average weekly wage during a base period, capped at a state maximum.
The base period is usually the first four of the last five completed calendar quarters before your claim. Most states use your highest-earning quarter to calculate your weekly benefit. For example, if your highest quarter earnings were $15,000, your average weekly wage for that quarter was about $1,154. At a 50% replacement rate, your calculated benefit would be $577 per week, subject to your state's cap.
Maximum weekly benefits vary widely by state. As of 2025, Massachusetts offers up to $1,015 per week, while Mississippi caps at $235. Most states provide 26 weeks of regular benefits, though some offer fewer. During economic downturns, federal programs have historically extended benefits beyond the standard duration.
Remember that unemployment benefits are taxable income at the federal level, and most states tax them as well. You can elect to have taxes withheld from your payments to avoid a surprise tax bill.