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
€3,054.00
€36,646.00 per year
Insurance Benefit
€1,319.00
Care Level 3
Duration Surcharge
-€327.00
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.
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 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.
Are 2026 standard rates reflected?
Yes — Bürgergeld, child benefit (€255/child), Wohngeld and other social benefits are all set to 2026 rates. Source: Federal Ministry of Labour and Social Affairs (BMAS) and German social code (SGB).
Guide
Quick Answer
This calculator computes the monthly personal contribution for a nursing home place after deducting benefits from the care fund.
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 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: 770 EUR, level 3: 1,262 EUR, level 4: 1,775 EUR, level 5: 2,005 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: 1,262 EUR. Care-related co-payment: 538 EUR. Care supplement (1st year, 15 %): 80.70 EUR. Total out of pocket: approx. 2,457 EUR/month.
Sources · E-E-A-T
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.
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