Türkiye SGK Military and Birth Buyback Calculator
Rules and data: TürkiyeBy Hesaplayıcı
The Türkiye military and birth service buyback calculator works out what you pay SGK to buy back days (borçlanma). Choose the type, enter the days of military service or the birth dates, and the application date. It applies the SGK floor of that day, or your own daily earning, and that day's rate, and shows the cost at the ceiling.
Worked example: 12 months (360 days) of military service, applied in September 2026, at the floor
Buyback amount
178,362.00 TRY
- Days bought back
- 360 days
- Daily earning
- 1,101.00 TRY
- Premium rate
- 45.00%
- Daily premium
- 495.45 TRY
- Daily floor
- 1,101.00 TRY
- Daily ceiling
- 9,909.00 TRY
- Buyback amount at the ceiling
- 1,605,258.00 TRY
Data period: the values in force from January 1, 2026.
Step by step
Daily premium
daily premium = daily earning × premium rate
daily premium = 1,101.00 (floor) × 45% = 495.45 TRY
Buyback amount
buyback amount = days bought back × daily earning × premium rate
buyback amount = 360 × 1,101.00 × 45% = 178,362.00 TRY
Buyback amount at the ceiling
buyback amount at the ceiling = days bought back × ceiling × premium rate
buyback amount at the ceiling = 360 × 9,909.00 × 45% = 1,605,258.00 TRY
How to use
- Choose the Buyback type: military service, birth or one of the other cases.
- For military service and the other cases, enter the Days to buy back. SGK counts a month as 30 days and a year as 360.
- For a birth, enter the Date of birth of the child. A second and third birth and the days to leave out are under More options.
- Leave the Application date empty to use today.
- To pay on more than the floor, fill in the Daily earning under More options.
- Press Calculate.
Formula
buyback amount = days bought back × daily earning × premium rate
- Daily earning: an amount you pick between the SGK floor and ceiling of the application day. When empty, the floor.
- Premium rate: 32% for every buyback from 1 October 2008 to the end of 2025. Since 2026, 32% for birth and 45% for military service and the other cases (Law no. 5510 art. 41, Law no. 7566).
- Birth period: 2 years from the day of each birth, at most 720 days. When the next birth comes within 2 years, the period ends the day before it.
Like SGK, the calculator does not round the daily premium and rounds the result to the kuruş.
Worked example
The worked example on the page is a person who applies on 28 September 2026 to buy back 12 months (360 days) of military service. At the 2026 floor and the 45% rate one day costs 495.45 TRY, and the buyback costs 178,362 TRY. The same days at the ceiling cost 1,605,258 TRY.
Limits
The calculator does not cover the missing days of part-time workers, civil servants under Law 5434, the unpaid leave of 4/c civil servants, or foreign service buyback (Law 3201). It does not show the effect on the retirement date or the insurance start date. It does not check that the mother was insured before the birth or that the child is alive; enter the days you were insured as days to leave out. Applications before 1 October 2008 are not covered.
Frequently Asked Questions
How much does the military service buyback cost in 2026?
In 2026 the military service buyback rate is 45%. At the floor one day costs 1,101 × 45% = 495.45 TRY, and 12 months (360 days) of service cost 178,362 TRY. A higher daily earning costs more; the daily ceiling is 9,909 TRY.
How much does the birth buyback cost in 2026?
The birth buyback rate is 32%. At the floor one day costs 1,101 × 32% = 352.32 TRY, and the most for one birth, 720 days, costs 253,670.40 TRY.
Why did the military service buyback go up in 2026?
Law no. 7566 raised the rate of every buyback except birth from 32% to 45% from 1 January 2026. The floor also rose with the minimum wage that year.
Which date sets the buyback amount?
The day your application reaches SGK. The floor, the ceiling and the rate of that day apply. If the debt is not paid within one month of the notice, a new application is needed and the amount is worked out again on the new day.
How many days can a mother buy back for a birth?
Two years from each birth, at most 720 days, for at most 3 births. When the next birth comes within 2 years, the first period ends the day before it. The mother must have been insured before the birth, and days insured cannot be bought back.
Calculation rules
- Buyback amount (Law no. 5510 art. 41): days × daily earning × premium rate. You pick the daily earning between the floor and the ceiling of the application day. Like SGK, the calculator does not round the daily premium and rounds the result to the kuruş (Circular 2008/111: 21.29 × 32% × 600 = 4,087.68).
- Premium rate: 32% for every buyback from 01.10.2008 to 31.12.2025. Since 01.01.2026, 32% for birth and 45% for military service and the other cases (Law no. 7566). The calculator uses the rate of the application day. We found no rule on which rate SGK applies to an application made in 2025 and notified in 2026.
- Days: SGK counts a month as 30 days and a year as 360. For military service, the time under arms is bought back; for reserve officers and NCOs only the time at the school. Sick leave over 3 months and time added for illness or punishment cannot be bought back.
- Birth: 2 years from the day of each birth, at most 720 days. When the next birth comes within 2 years, the first period ends the day before it. At most 3 births (2 for applications before 11.09.2014). The mother must have been insured before the birth and the child must be alive; days insured cannot be bought back. The calculator counts to the day before the application.
- Limits of the other cases: for a doctorate the normal duration of study, at most 6 years (5 years before 06.10.1982); for a medical specialty the time the Ministry of Health accepts; for a lawyer internship at most 1 year; for detention ended by acquittal the whole time; for a strike or lockout the time in the records; for resignation for an election from the resignation to the first day of the month after the election.
- The missing days of part-time workers (art. 41/1-i) pay another rate; civil servants under Law 5434 and unpaid leave of 4/c civil servants follow their own rules. The calculator does not cover them. Foreign service buyback (Law 3201) is also out of scope.
- The debt must be paid within one month of the notice. Unpaid, a new application is needed and the amount is worked out again on the new application day. A part payment counts the days that the amount paid covers.
- When bought-back military service comes before the first insurance, the insurance start date moves back by the days bought. The calculator does not work out that date.
Sources (7)
- Data: Social security earnings floor and ceiling (Law no. 5510 art. 82) — SGK prime esas kazanç tutarları; SGK genelgeleri, valid from January 1, 2026, updated September 21, 2026
- Data: Social security premium rates (4/a employees) and the Treasury employer discount — 5510 sayılı Kanun md. 81; 7538 ve 7566 sayılı Kanunlar; ÇSGB asgari ücret tabloları; SGK teşvik tabloları; 5510 geçici md. 14 ve 506 md. 63/B (SGDP); 6486 sayılı Kanun md. 5 (bölgesel 6 puan); 5510 md. 41 (borçlanma), valid from January 1, 2026, updated September 27, 2026
- Social Insurance and General Health Insurance Law no. 5510, art. 41 and 82 (Turkish) — mevzuat.gov.tr
- Law no. 7566 (art. 21: buyback rate 45%, Turkish), Resmî Gazete 19.12.2025, no. 33112
- SGK — Birth buyback (Turkish)
- SGK — Buybacks (Turkish)
- SGK Circular 2008/111 (buyback examples, Turkish)