SaaS Guide for New Entrepreneurs: Bağ-Kur 2026

The process of bringing a business idea to life does not end with establishing a company. Taxes, accounting, and social security obligations are among the most critical stages for new entrepreneurs. Bağ-Kur (4/1-b) insurance is also one of these obligations. The regulatory changes taking effect in 2026 should be especially known by new entrepreneurs. As an expert, in this week's blog post, we discussed when Bağ-Kur started, how much premium was paid, and what awaits entrepreneurs in 2026.

What is Bağ-Kur? Who Does It Cover?

Bağ-Kur is the social security status applicable to those who work for themselves and on their own account, namely owners of sole proprietorships and self-employed professionals. According to the Social Insurance and General Health Insurance Law No. 5510;

• Those engaged in commercial activities on a real basis, 

• Those earning income from self-employment,

• Entrepreneurs opening a business in their own name

are considered insured under 4/1-b (Bağ-Kur). This status provides fundamental security in terms of retirement, general health insurance, and long-term insurance branches.

When Does Bağ-Kur Insurance Begin?

Bağ-Kur insurance arises on the date the entrepreneur actually starts operations. In practice, this date is accepted as; 

• the day the tax registration is certified at the tax office,

• the official start date of professional activities in freelance occupations

From this date onwards, the entrepreneur's obligation to notify SGK under 4/1-b and to pay premiums begins. If registration is not done on time, retroactive premium debts and administrative penalties may occur.

At this point, it is crucial that the processes of company establishment, tax registration, and SGK registration proceed simultaneously and in harmony. The expert supports healthy management of such critical steps by gathering digital communication between taxpayers and financial advisors on a single platform. 

Is there Bağ-Kur Support for Young Entrepreneurs in 2026?

One of the most important changes for entrepreneurs as of 2026 is the removal of Bağ-Kur premium support for young entrepreneurs. As a result of the regulation made by the law numbered 7566, dated December 19, 2025, entrepreneurs who establish a business for the first time after January 1, 2026, cannot benefit from Bağ-Kur premium support, even if they meet the age requirement.

The incentive, which was previously implemented and envisaged the coverage of Bağ-Kur premiums by the state for a certain period, is not in effect for new taxpayers as of 2026. Those who have qualified to benefit from this support until December 31, 2025, maintain their existing rights. 

Bağ-Kur Premium Amounts for 2026

Bağ-Kur premiums are calculated based on the premium earnings chosen by the insured. These earnings must be between the minimum and maximum limits determined annually by SGK. The official amounts announced for 2026 are as follows:

• Monthly Minimum Limit (Minimum Base): 33,030.00 TL

• Monthly Maximum Limit (Maximum Base): 297,270.00 TL

• Daily Minimum Limit: 1,101.00 TL

• Daily Maximum Limit: 9,909.00 TL

The premium rate applied under Bağ-Kur (4/1-b) is set at 35.75%. Based on these rates, the monthly premium amounts calculated for 2026 are as follows:

• Bağ-Kur Premium Payable from the Minimum Limit: 33,030.00 TL x 35.75% = 11,808.23 TL

• Bağ-Kur Premium Payable from the Maximum Limit: 297,270.00 TL x 35.75% = 106,274.03 TL

The entrepreneur may pay a premium based on a base that suits their income, provided it is between these two limits. However, most new entrepreneurs prefer to pay premiums based on the minimum base during the startup period. 

How and When Are Bağ-Kur Premiums Paid?

Bağ-Kur premiums are paid monthly, within the period determined by SGK, for the relevant month. It is important that the SGK registration does not delay after the tax registration is opened, and that the premium debts are tracked accurately, and that payment deadlines are not missed. Tracking these processes manually can result in a loss of time and attention, especially for new entrepreneurs. 

The expert aids in more controlled progress of social security and accounting processes by consolidating document sharing, notification tracking, and accountant-taxpayer communication in a single panel. It establishes a digital bridge so that entrepreneurs can manage these processes more transparently, more quickly, and more controlled with their financial advisors. For more detailed information, you can contact us.