Heat Pump Calculator 2026 — Costs, BEG Subsidy & Savings Germany
See if a heat pump pays off in Germany: area, building, old heating, pump type and energy prices give costs, 2026 BEG subsidy, savings, payback and CO2 saved.
Estimated acquisition costs
€20,000.00
Air-to-water (COP 3.0)
BEG subsidy
- €9,200.00
Base subsidy: 30 % + Climate bonus: 16 %
Total: 46 % (max. €28,000.00 eligible)
Own contribution
€10,800.00
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. 33.8 years
CO2 savings per year
2.1 t
vs. Gas (201 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 the BEG guideline (as of 2026). 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 the eligible costs — 28,000 euros for the first unit — depending on the situation, and up to 80 % for households whose taxable income stays under the 30,000-euro income-bonus threshold.
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.
What are the running costs of a heat pump?
The main running cost is electricity: annual heat demand divided by the COP, multiplied by the electricity price. With the calculator's defaults (120 m², renovated building at 80 W/m² and 2,000 full-load hours = 19,200 kWh of heat, air-to-water heat pump with COP 3.0) that is 6,400 kWh of electricity, or about 2,240 euros a year at 35 ct/kWh. Special heat pump tariffs are usually cheaper, so enter your own tariff in the electricity price field. Maintenance of roughly 100–300 euros a year comes on top and is not included in the result.
Guide
What is the Heat Pump Calculator 2026 — Costs, BEG Subsidy & Savings Germany?
The heat pump calculator computes the investment costs, operating costs and subsidies when switching to a heat pump.
How does the Heat Pump Calculator 2026 — Costs, BEG Subsidy & Savings Germany 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 calculator deducts the base subsidy and the climate-speed bonus (up to 46 % combined); the income-dependent bonus is not included.
Key Data and Facts
BEG subsidy 2026: 30 % base + 16 % climate-speed bonus + an income bonus of 40 / 30 / 10 % (taxable household income up to 30,000 / 40,000 / 50,000 euros). The cap is 70 %, rising to 80 % only with the highest income bonus — at most 22,400 euros on 28,000 euros of eligible costs. 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 16 % climate speed bonus + an income bonus of 40 %, 30 % or 10 % (taxable household income up to 30,000, 40,000 or 50,000 EUR). The cap is 70 %, and 80 % only with the highest income bonus — applied to eligible costs of up to 28,000 EUR for the first unit, i.e. at most 22,400 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 46% subsidy (30% basic subsidy + 16% climate speed bonus = 10,120 EUR) = 11,880 EUR own contribution.
Sources
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.
Reviewed by Konstantin Iakovlev · Last updated:
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