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Your Path to Financial Aid.

Calculate your BAföG entitlement quickly and easily. Including parents' income and housing allowance.

Housing & Insurance

Do you still live at home?

HI/CI not through family (approx. €122)

Income & Family
€

Up to €556 exempt (Mini-Job).

€

Combined (as of 2 years ago).

Provides high allowances for parents.

Estimated BAföG
382,00 €
Monthly Support
Your Need (Target)
Basic Need475,00 €
Housing Allowance
380,00 €
HI/CI Supplement122,00 €
Total Need977,00 €
Deductions (Actual)
Own Income
-0,00 €
Parental Contribution
-595,00 €
If parental income is too high, they are expected to contribute the difference.
Important Notice Regarding CalculationThese results are based on official BMF formulas (2026). Since individual tax characteristics (e.g. allowances) may vary, all information is provided without guarantee. This calculator does not replace professional tax advice.More in Legal Notice.

How is BAföG calculated?

BAföG (Federal Training Assistance Act) supports students who cannot fully finance their education on their own. The amount depends on your needs, living situation, and your parents' income.

Basic Need 2026

475 Euro

The basic rate for students at universities and technical colleges.

Housing Allowance

+ 380 Euro

If you are not living with your parents, you receive an additional housing allowance.

Frequently Asked Questions about BAföG (German Student Aid)

Who is eligible for BAföG?▲
BAföG is available to students who meet the eligibility requirements: German citizenship (or equivalent), financial need (based on parental and own income), and enrollment at a recognised institution.
How much BAföG will I receive?▲
The maximum rate is €992 per month (from winter semester 2024/25 for students not living with their parents). It consists of a basic allowance plus a housing cost allowance.
Do I have to repay BAföG?▲
50% of BAföG is an interest-free loan that must be repaid — but up to a maximum of €10,010 total. The remaining 50% is a non-repayable grant.
Does student job income affect BAföG?▲
Yes, your own income is counted toward BAföG. However, there is an exemption of €520 per month (€6,240/year). Income above this reduces the BAföG entitlement.
How long can I receive BAföG?▲
BAföG is granted for the standard study period plus one semester. If you exceed this, you may need to provide proof of academic progress. Special rules apply for changes of subject.

Sources & References (2026)

Federal Ministry of Finance
Official tax tables and tax calculation guidelines.
German Pension Insurance
Current pension values and contribution assessment ceilings.
Federal Ministry of Health
Social security contribution rates and thresholds.
BMBF - BAföG

All calculations are based on the official legal provisions for 2026. Despite careful research, no guarantee is given for correctness. This calculator does not replace professional tax advice.

German BAföG Calculator 2026 - Calculate Entitlement & Amount | Brutto Netto Rechner