Heating Cost Calculator

Enter energy source, annual consumption and price – instant annual and monthly costs

Updated
Calculated in your browser – your inputs are not transmitted and are kept on this device only if you choose
kWh

Single-family home: approx. 15,000–25,000 kWh/year

€/kWh

Energy rate from your last bill (without standing charge)

What would a heat pump cost?Heat pump comparison: enter an electricity price

Share of energy that arrives as heat – assumption, e.g. 0.9 for a gas condensing boiler; for a heat pump its seasonal performance factor

Heat per kWh of electricity – from the manufacturer/planner or your assumption

€/kWh

Energy rate from the quote or tariff

Enter your energy rate from your bill – we do not quote market prices.

Heating cost per year

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RZ-26 · headon.pro

What would a heat pump cost?

For the comparison we need your heating price and a price for heat pump electricity.

Heat your home needsFinal energy × efficiency; heating oil 10 kWh/l, pellets 4.6 kWh/kg (minimum calorific value DIN EN ISO 17225-2)
13,500 kWh
Electricity for the heat pump (SPF 3)
4,500 kWh
Of which CO₂ price in your price3,015 kg CO₂ × €55/t (minimum price 2026, Section 10 BEHG; emission factor Federal Environment Agency) – already included in the energy rate
€165.83

Calculate heating costs and compare energy sources

Gas, heating oil, heat pump, district heating or pellets – making costs transparent

The formula for heating costs is simple: annual cost = annual consumption × price per unit. 15,000 kWh of gas at €0.12/kWh results in €1,800 per year – or €150 per month. The harder part is knowing your own consumption and the right price. Consumption is shown on your meter or your supplier’s latest annual statement, and the price is in your current tariff.

CO₂ levy since 2021: Fossil fuels such as natural gas and heating oil have been subject to a national CO₂ levy since 2021. In 2026 the certificates are auctioned within a statutory price corridor of €55 to €65 per tonne of CO₂ (Section 10(2) BEHG). For natural gas that adds around 1.1–1.3 cents/kWh, for heating oil around 15–17 cents per litre. This levy is already included in most current supplier prices – check your tariff contract. For 2027 the law does not yet set a fixed price (Section 10(3) BEHG); a federal government draft bill would extend the €55–65 corridor, but it has not been passed (as of 11 October 2026).

Energy consumption and building standard: A building’s energy demand depends heavily on its insulation quality. An unrenovated older building can consume 200–300 kWh/m² per year, while a home at the Efficiency House 55 level needs only around 55 kWh/m². For 150 m² of living space, that is the difference between 30,000–45,000 kWh and 8,250 kWh. Insulation measures (roof, façade, basement) typically reduce consumption by 20–40% – with correspondingly lower heating costs.

Don’t forget additional costs: Our calculator shows the pure consumption costs. On top of that come the supplier’s base fee (€50–200/year), heating system maintenance (gas: €150–300/year, oil: €200–400/year), chimney sweep fees (€50–150/year) and any reserves for replacing the heating system. Total costs are therefore typically 15–25% higher than the pure energy costs.

Energy sources at a glance 2026

Typical costs and consumption by heating type

Natural gas: price per kWh
Most common heating type in Germany; CO₂ levy included; supplied via pipeline
Heating oil: price per litre
Price fluctuates with world market; tank required; oil ≈ 10 kWh/L
Heat pump: electricity price ÷ SPF
Heat price = electricity price ÷ seasonal performance factor; at SPF 3 a kWh of heat costs a third of the electricity price
District heating: price per kWh
Highly location-dependent; no own investment; increasingly renewable
Pellets: price per kg
1 kg of pellets at least 4.6 kWh (DIN EN ISO 17225-2); no CO₂ price (biogenic); storage required
Renovation saves the most
Insulation, new windows and hydraulic balancing reduce consumption – the insulation calculator shows by how much

German Heating Costs Ordinance: how apartment buildings settle heating bills

Allocation formula under Section 7 HeizkostenV and tenants’ deduction rights

If you rent your home, you usually pay heating costs through the service charge settlement – and that is governed by the German Heating Costs Ordinance (Heizkostenverordnung, HeizkostenV). It requires consumption-based billing for central heating systems: under Section 7(1) HeizkostenV, at least 50% and at most 70% of the costs must be allocated according to the users’ metered heat consumption. The remaining costs are allocated by living or usable floor space, or by enclosed building volume. The same range applies to hot water under Section 8 HeizkostenV.

Deduction rights for faulty bills: If the landlord does not bill based on consumption as the ordinance requires, tenants may reduce their share by 15% under Section 12(1) HeizkostenV. An additional 3% deduction each applies if no remotely readable metering devices are installed or if the monthly consumption information required by Section 6a HeizkostenV is missing. The authoritative text is published on gesetze-im-internet.de.

What this calculator covers: This calculator determines your heating system’s consumption costs from usage and energy price – the base that is allocated by consumption in the settlement. Use the result together with your service charge statement to check whether your bill applies the allocation formula correctly.

Calculation examples

Natural gas: 15,000 kWh × €0.12/kWh
Annual consumption
15,000 kWh
Price per kWh
€0.12
Cost per year
€1,800.00
Cost per month
€150.00
Heating oil: 2,500 L × €0.95/L
Annual consumption
2,500 litres
Price per litre
€0.95
Cost per year
€2,375.00
Cost per month
€197.92

Frequently asked questions about the heating cost calculator

Gas, oil, heat pump and district heating compared

What does it cost to heat with gas in 2026?

It depends on your tariff: what counts is the energy rate per kWh on your bill (it includes network charges, taxes and the CO₂ price). Worked example: 15,000 kWh at €0.12/kWh is €1,800 a year – excluding the supplier’s standing charge. Enter your own consumption and price above.

How do I calculate my heating system’s annual consumption?

You can see the exact annual consumption on your gas meter, your heating oil delivery receipts, or your supplier’s annual statement. Alternatively, reading the meter at the turn of the year gives you the previous year’s consumption. As a rule of thumb: consumption in kWh = consumption in m³ of gas × 10 (the factor varies between 9.5 and 11.5 depending on calorific value). For heating oil: 1 litre of heating oil corresponds to about 10 kWh of heating value.

Is a heat pump worthwhile compared to gas?

The economics depend on the heat pump’s coefficient of performance (COP). A COP of 3 means: 1 kWh of electricity produces 3 kWh of heat. At a heat pump electricity price of €0.27/kWh and a COP of 3, one kWh of heat effectively costs €0.09. For comparison: gas at €0.12/kWh with a condensing boiler (efficiency ~95%) costs about €0.126/kWh of heat. Currently (2026), a heat pump with a good COP in a well-insulated home is cheaper to run.

What is the typical heating oil consumption of a single-family home?

An unrenovated single-family home (150 m², built in 1975) consumes about 2,500–4,000 litres of heating oil per year. After insulating the roof and façade, consumption typically drops to 1,500–2,500 litres. A home built to the KfW Efficiency House 55 standard needs only about 1,000–1,500 litres. At a heating oil price of €0.95/L, that is €950 to €3,800 per year – depending on the building standard.

What does the German Heating Costs Ordinance regulate?

The Heating Costs Ordinance (Heizkostenverordnung, HeizkostenV) regulates how the costs of a central heating and hot water system are allocated among users. Its core is Section 7(1): at least 50% and at most 70% of the costs must be allocated according to metered heat consumption, the rest by living or usable floor space or enclosed building volume. If billing is not consumption-based, tenants may reduce their share by 15% under Section 12(1); an additional 3% deduction each applies where remotely readable meters are missing or the monthly consumption information under Section 6a is not provided.

What does district heating cost compared to gas?

District heating is billed per kWh depending on the utility and contract model. In 2026, prices in German cities typically range between €0.12/kWh and €0.20/kWh – often higher than natural gas. In return, you avoid maintenance costs for a heating system and the investment in a new one. District heating is also increasingly climate-friendly (waste heat, geothermal energy). Local pricing varies widely – always check with your local utility.

No liability for accuracy. This calculation does not replace tax or legal advice.

Responsible: Onur Cirakoglu, founder of headon