Nursing Home Co-payment Calculator Germany
Work out your nursing home co-payment in Germany for 2026 from care level, care costs, board, investment costs and length of stay, after care fund benefits.
Nursing Home Information
Own Contribution per Month
€3,054.00
€36,646.00 per year
Insurance Benefit
€1,319.00
Care Level 3
Duration Surcharge
-€327.00
Year 1: 15%
Cost Breakdown
Note: Actual costs vary by nursing home and federal state. Since 2022, there are subsidies for the care-related own contribution that increase with duration of stay (15% in year 1 to 75% from year 4). As of: 2026.
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 do I have to pay out of pocket for a nursing home?
The personal contribution includes the care portion not covered by insurance, accommodation, meals, and investment costs.The national average in the first year is 3,364 euros per month, including 1,068 euros for board and lodging and 521 euros of investment costs (vdek, as of 1 July 2026).
What financial help is available for nursing home costs?
Since 2022, there are graduated surcharges to reduce the care cost share based on the duration of stay. Social welfare assistance covers costs if personal funds are exhausted.
Which part of the personal contribution does the benefit supplement reduce?
The long-term care fund's supplement, which rises with the length of stay (15%, 30%, 50%, and 75% from the fourth year), only reduces the care-related share, i.e. the care costs after deducting the benefit amount for your care level. You continue to pay accommodation, meals and investment costs in full. In the calculator example with care level 3, care costs of 3,500 euros, 800 euros for accommodation and meals and 400 euros of investment costs, a care-related share of 2,181 euros remains after the fund's 1,319 euros; the total personal contribution falls from 3,054 euros in the first year to 1,745 euros from the fourth year, while the 1,200 euros for accommodation, meals and investment stay the same.
Guide
What is the Nursing Home Co-payment Calculator Germany?
This calculator computes the monthly personal contribution for a nursing home place after deducting benefits from the care fund.
How does the Nursing Home Co-payment Calculator Germany work?
Enter the care level and nursing home costs. The calculator deducts the care fund benefit and applies the graduated supplement (depending on length of stay). The remaining amount is your personal contribution.
Key Data and Facts
Graduated supplement on the care-related personal contribution: 15% in year 1, 30% in year 2, 50% in year 3, 75% from year 4. Average personal contribution 2026: approx.Average co-payment in the first year: 3,364 euros/month (vdek, as of 1 July 2026).
Step-by-Step Guide
How to calculate the nursing home personal contribution step by step: 1. Determine the total costs of the nursing home: care costs (depending on the care level, a uniform personal contribution per home), accommodation and meals (about 700-1,000 EUR/month), investment costs (about 300-500 EUR/month), training levy (about 50-100 EUR/month). 2. Deduct the care insurance benefit: care level 2: 805 EUR, level 3: 1,319 EUR, level 4: 1,855 EUR, level 5: 2,096 EUR. 3. Take the benefit supplement into account: on the care-related personal contribution, the care insurance fund grants a supplement: 15% in the 1st year, 30% in the 2nd year, 50% in the 3rd year, 75% from the 4th year onward. 4. Calculate the personal contribution: total costs minus insurance benefit minus benefit supplement. 5. Check financing: pension, savings, and where necessary assistance with care (social welfare office) if your own funds are not sufficient.
Calculation Example
Care level (Pflegegrad) 3, nursing home costs 3,800 EUR/month (care 1,800 + room and board 850 + investment 400 + training levy 50 + other 700). Insurance pays: 1,319 EUR. Care-related co-payment: 481 EUR. Care supplement (1st year, 15 %): 72.15 EUR. Total out of pocket: approx. 2,409 EUR/month.
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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