BAföG Calculator 2026 by Rechnerzentrale

Housing

Health and long-term care insurance

Family insurance usually up to 25; after that student or voluntary insurance

Parents

Parent 1: total income

€

Annual figure from the tax assessment two years back (for 2026/27: 2024) – for employees gross pay minus work expenses

Parent 1: income and church tax

€

With a joint tax assessment, enter the whole tax here and 0 for parent 2

Parent 1: occupation

Parent 2: total income

€

Parent 2: income and church tax

€

Parent 2: occupation

Siblings not in eligible education

e.g. school children – they raise the parents' allowance

Siblings in eligible studies or training

Parental income is shared among all funded children

Side job, savings, age, childrenSide job €0 · savings €0 · 21 years

Own side job, gross per month

€

Average over the award period

Own savings

€

Exempt up to €15,000, from age 30 up to €45,000

Your age

years

Sets the savings allowance

Own children under 14

€160 childcare supplement per child

BAföG per month

of which €345 grant

€690

Your needs amount to €992. After deducting €302.29 you receive €690 per month – €345 as a grant and €345 as an interest-free loan.

Your needs of €992

BAföG€690.0070%
Parental income€302.2930%

Basic needsUniversity, academy, higher technical college (Section 13 BAföG): €475
Housing allowanceOwn place: + €380
Health and long-term care insurance: + €137
Needs: €992
Parental incomeIncome €3,144.58 per month, allowance €2,540, 50% of the rest exempt (+ 5% per sibling without funding): − €302.29
BAföGrounded to full euros: €690
of which grant: €345
of which interest-free loanRepayment capped at €10,010: €345

Good to know

Apply in time
BAföG is paid at the earliest from the month in which you apply (Section 15 BAföG) – so apply no later than your first month of studies.
The loan is capped
Half is an interest-free loan. Repayment starts five years after the maximum funding period in instalments of at least €130; after 77 instalments, i.e. at most €10,010, the rest is waived (Section 18 BAföG).
BAföG independent of parents
From age 30 at the start of studies or after five years of work, parental income is not counted (Section 11(3) BAföG). In that case enter €0 for your parents.

Up to what parental income is there BAföG?

With your other entries, the entitlement ends at a countable parental income of €4,524 per month (€54,288 per year) – meaning income after taxes and the social security allowance.

Parental income is taken from the calendar year two years before the award period starts (Section 24 BAföG).

BAföG Calculator 2026 by Rechnerzentrale(opens in a new tab)2026 values