Heat Pump Cost Calculator 2026 — BEG Subsidy up to 70%
Calculate heat pump costs (air, ground, water): annual electricity ~3000 kWh, BEG subsidy 30-70% (max 30,000 € eligible). Compare with gas heating ROI.
Estimated acquisition costs
€20,000.00
Air-to-water (COP 3,0)
BEG subsidy
- €10,000.00
Base subsidy: 30 % + Climate bonus: 20 %
Total: 50 % (max. €30,000.00 eligible)
Own contribution
€10,000.00
Annual heating costs (old: Gas)
€2,560.00
Heating demand: 19,200 kWh/a
Annual Electricity Cost
€2,240.00
Electricity consumption: 6,400 kWh/a
Savings vs. Current Heating
€320.00
Payback period
approx. 31.3 years
CO2 savings per year
1.7 t
vs. Gas (200 g/kWh)
Note: This calculation is for guidance only. Actual costs and savings depend on many factors (insulation, user behaviour, hot water needs, electricity tariff). Subsidy according to BEG 2024. Acquisition costs are averages incl. installation.
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 does a heat pump cost?
Including installation, an air-source heat pump costs 15,000-25,000 euros, a ground-source pump 20,000-35,000 euros. Government subsidies (BEG) can cover 30-70% of costs depending on the situation.
What is the COP of a heat pump?
The COP (Coefficient of Performance) indicates how much heat energy is produced per unit of electrical energy. A COP of 4 means 1 kWh of electricity produces 4 kWh of heat. Higher COP means better efficiency.
Which electricity prices are baked into the calculation?
An average household electricity price of about 36 ct/kWh is used (Germany 2026). Actual prices vary by provider and tariff — the calculator allows you to enter your own value.
Guide
Quick Answer
The heat pump calculator computes the investment costs, operating costs and subsidies when switching to a heat pump.
What is the Heat Pump Cost Calculator 2026 — BEG Subsidy up to 70%?
The heat pump calculator computes the investment costs, operating costs and subsidies when switching to a heat pump.
How does the Heat Pump Cost Calculator 2026 — BEG Subsidy up to 70% work?
Enter the heat demand and heat pump type. The calculator computes electricity consumption (heat demand / COP), annual heating costs and compares with the previous heating system. The BEG subsidy (up to 70%) is deducted.
Key Data and Facts
BEG subsidy 2026: 30% basic + 20% climate bonus + 30% income bonus. Max. 70%. Typical COP air-source: 2.5-4.0. Investment air-source heat pump: 15,000-25,000 euros.
Step-by-Step Guide
How to calculate the costs of a heat pump step by step: 1. Determine the heating demand of the building: For a typical single-family house (150 m2) the heating demand is 10.000-20.000 kWh/year, depending on the insulation standard. Unrenovated old building approx. 150 kWh/m2, renovated approx. 80 kWh/m2, new build approx. 40-50 kWh/m2. 2. Choose the type of heat pump: Air-to-water (cheapest to purchase, SPF 2,5-3,5), brine-to-water/geothermal (SPF 3,5-4,5, more expensive), water-to-water (SPF 4,0-5,0, rare). 3. Calculate the electricity consumption: Electricity consumption = heating demand / SPF. 4. Annual heating costs: Electricity consumption x electricity price. 5. Deduct the BEG subsidy 2026: 30 % base subsidy + up to 20 % climate speed bonus + 30 % income bonus (household income below 40.000 EUR). A maximum of 70 % on eligible costs up to 30.000 EUR. 6. Draw up a comparison with gas heating: Gas costs = heating demand x gas price.
Calculation Example
Single-family house, 15,000 kWh heat demand, air-source heat pump with SCOP 3.0: electricity consumption = 15,000 / 3.0 = 5,000 kWh. Heating costs: 5,000 x 0.37 EUR = 1,850 EUR/year. Investment 22,000 EUR less 50% subsidy = 11,000 EUR own contribution.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
- Bundesministerium für Wirtschaft und Klimaschutz
- Bundesamt für Wirtschaft und Ausfuhrkontrolle (BAFA)
Full methodology at Methodology.
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