Nursing Home Co-payment Calculator
Calculate the monthly co-payment for a nursing home place by care level. With current 2026 standard rates, allowances and eligibility check.
Nursing Home Information
Own Contribution per Month
3.102,00 €
37.228,00 € per year
Insurance Benefit
1.262,00 €
Care Level 3
Duration Surcharge
-336,00 €
1. Jahr: 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.
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 average is approximately 2,200-2,500 euros per month depending on the state.
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.
What is the Nursing Home Co-payment Calculator?
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 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. 2,300 euros/month.
Step-by-Step Guide
How to calculate den Pflegeheim-Eigenanteil step by step: 1. Gesamtkosten des Pflegeheims determine: Pflegekosten (abhaengig vom care level (Pflegegrad), einheitlicher Eigenanteil je Heim). Unterkunft und Verpflegung (ca. 700-1.000 EUR/month). Investitionskosten (ca. 300-500 EUR/month). Ausbildungsumlage (ca. 50-100 EUR/month). 2. Pflegekassen-Leistung abziehen: care level (Pflegegrad) 2: 770 EUR, Grad 3: 1.262 EUR, Grad 4: 1.775 EUR, Grad 5: 2.005 EUR. 3. Leistungszuschlag beruecksichtigen: Auf den pflegebedingten Eigenanteil gewaehrt die Pflegekasse einen Zuschlag: 15 % im 1. year, 30 % im 2. year, 50 % im 3. year, 75 % ab dem 4. year. 4. Eigenanteil calculate: Gesamtkosten minus Kassenleistung minus Leistungszuschlag. 5. Finanzierung pruefen: pension, Ersparnisse, ggf. Hilfe zur Pflege (Sozialamt) wenn Eigenmittel nicht ausreichen.
Calculation Example
care level (Pflegegrad) 3, Heimkosten 3.800 EUR/month (Pflege 1.800 + Unterkunft 850 + Invest 400 + Umlage 50 + sonstige 700). Kassenleistung: 1.262 EUR. Pflegebedingter Eigenanteil: 538 EUR. Leistungszuschlag (1. year, 15 %): 80,70 EUR. Eigenanteil: ca. 2.457 EUR/month.
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