BAföG Calculator Germany
Estimate German student BAföG for 2026 from housing, insurance, parents' income, siblings, own income and assets: monthly amount, grant and loan share.
Personal Information
Parent Income
Own Income and Wealth
BAföG per Month
€992.00
of which €496.00 grant, €496.00 loan
Need Rate
€992.00
Own apartment + HI/CI
Total Credit
€0.00
Parents: €0.00
Parents' BAföG income (estimated): €2,151.88/month
Note: Simplified calculation. Actual BAföG entitlement may differ. Maximum rate 2026: €855.00 (own apartment) plus HI/CI supplement. BAföG is granted half as a grant and half as an interest-free loan (max repayment EUR 10,010). Income tax (2026 rates, without church tax) and the 22.3 % social-security allowance are estimated and deducted from the parents' gross income; the tax assessment for the year before last is what counts.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
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.
How much can I earn alongside BAFoeG?
In 2026, earnings up to the mini-job limit of 603 euros gross a month are not counted: after the flat-rate allowance for work expenses and the 22.3% social insurance allowance, this corresponds to the exemption of 389 euros. Anything above that is deducted in full from your grant by the calculator – with 800 euros gross, that is about 153 euros less BAFoeG per month. What counts is the average over the approval period, so a well-paid holiday job is spread across all months.
Guide
What is the BAföG Calculator Germany?
The BAfoG calculator estimates the expected funding amount for students under the Federal Training Assistance Act.
How does the BAföG Calculator Germany work?
Enter your housing situation, health insurance and your parents' gross income. The calculator estimates income tax and the social-security allowance, deducts the allowances and works out the parental contribution and the monthly funding. Half is a grant, half an interest-free loan.
Key Data and Facts
Maximum rate 2026/2027: 992 euros/month (university, own accommodation). 50% grant, 50% interest-free loan (repayment max. 10,010 euros). Parental allowance: 2,540 euros net/month. Your own mini-job up to 603 euros gross is not counted.
Step-by-Step Guide
How to calculate your BAföG entitlement step by step: 1. Determine the needs rate: studying with your own apartment: 992 EUR/month (maximum rate 2026). Studying while living with your parents: 671 EUR (incl. health/care insurance supplement). Pupils living away from home: depends on the type of school. 2. Determine the parents' income: the gross income of both parents from the year before last, minus the employee lump sum, income tax and the social-security allowance (22.3 % for employees paying into the statutory pension). 3. Apply the allowances: married parents: 2,540 EUR/month. Single parent: 1,690 EUR. Per sibling not in eligible education: 770 EUR. 4. Calculate the parental contribution: 50 % of the income exceeding the allowance is counted, minus 5 percentage points for each sibling with an allowance. If siblings are also at university or in eligible training, the contribution is split equally between them. 5. BAföG = needs minus parental contribution: the result is the monthly support amount. 6. Repayment: 50 % is a grant (a gift), 50 % an interest-free loan. Maximum repayment: 10,010 EUR in installments of 130 EUR/month starting 5 years after the end of support.
Calculation Example
Student with own apartment, requirement 992 EUR. Married parents earning 5,000 EUR gross a month together (two earners): 60,000 EUR a year minus 2 × 1,230 EUR employee lump sum = 57,540 EUR; minus income tax of approx. 4,588 EUR and the 22.3 % social-security allowance of 12,831 EUR leaves 40,121 EUR a year, or about 3,343 EUR a month. Minus the 2,540 EUR allowance = 803 EUR, of which 50 % = 402 EUR is the parental contribution. BAföG: 992 − 402 = 590 EUR. For comparison: with parental income after deductions of 2,900 EUR and one younger sibling not in education, the allowance is 2,540 + 770 = 3,310 EUR, the parental contribution 0 EUR and BAföG 992 EUR (maximum rate).
Sources
Official sources
Calculations are based on applicable German laws and official data:
- Bundesministerium für Arbeit und Soziales (BMAS)
- Deutsche Rentenversicherung
- Sozialgesetzbuch (SGB) — gesetze-im-internet.de
Full methodology at Methodology.
Reviewed by Konstantin Iakovlev · Last updated:
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