BAFoeG Calculator
Calculate your BAFoeG entitlement for university or school. With allowances and income assessment. Free online, no registration required, up-to-date for 2026.
Personal Information
Parent Income
Own Income and Wealth
BAfoeg per Month
778,00 €
of which 389,00 € grant, 389,00 € loan
Need Rate
992,00 €
Own apartment + HI/CI
Total Credit
213,90 €
Parents: 213,90 €
Note: Simplified calculation. Actual BAfoeg entitlement may differ. Maximum rate 2026: 855,00 € (own apartment) plus HI/CI supplement. BAfoeg is granted half as a grant and half as an interest-free loan (max repayment EUR 10,010).
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
How much BAFoeG can I receive?
The maximum BAFoeG rate is 992 euros per month (with own household and health insurance supplement). The actual amount depends on parents' income, own assets, and housing situation.
Do I have to repay BAFoeG?
Only 50% of BAFoeG for students is a loan (the rest is a grant). Repayment begins 5 years after the standard study period ends, capped at 10,010 euros maximum.
What is the BAFoeG Calculator?
The BAfoG calculator estimates the expected funding amount for students under the Federal Training Assistance Act.
How does the BAFoeG Calculator work?
Enter the needs rate (depending on housing and type of training) and parental income. The calculator determines the countable parental contribution and computes the monthly funding. Half is a grant, half an interest-free loan.
Key Data and Facts
Maximum rate 2026/2026: 992 euros/month (university, own accommodation). 50% grant, 50% interest-free loan (repayment max. 10,010 euros). Parental allowance: 2,415 euros net/month.
Step-by-Step Guide
How to calculate Ihren BAfoeg-Anspruch step by step: 1. Bedarfssatz bestimmen: Studium mit eigener Wohnung: 992 EUR/month (Höchstsatz 2026). Studium bei den Eltern: 633 EUR. Schueler auswaerige Unterbringung: abhaengig von Schulart. 2. Elterneinkommen determine: Bruttoeinkommen beider Eltern aus dem vorletzten Kalenderjahr. Davon werden taxes, Sozialabgaben und Freibetraege abgezogen. 3. Freibetraege anwenden: Verheiratete Eltern: 2.415 EUR net/month. Alleinstehender Elternteil: 1.605 EUR. tax allowance je Geschwisterkind: ca. 730 EUR. 4. Elternbeitrag calculate: Vom uebersteigenden income werden 50 % als Elternbeitrag angerechnet. 5. BAfoeg = Bedarf minus Elternbeitrag: Das Ergebnis ist der monatliche Foerderungsbetrag. 6. Rueckzahlung: 50 % sind Zuschuss (geschenkt), 50 % zinsloses Darlehen. Maximale Rueckzahlung: 10.010 EUR in Raten von 130 EUR/month ab 5 Jahre nach Foerderende.
Calculation Example
Student, eigene Wohnung, Bedarf 992 EUR. Eltern-net nach Abzuegen: 2.900 EUR. tax allowance (verheiratet, 1 Geschwisterkind): 2.415 + 730 = 3.145 EUR. Elternbeitrag: 0 EUR. BAfoeg: 992 EUR (Hoechstsatz).
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