Away, self-insured
475 + 380 + 137 = €992.
Germany BAföG Bedarf calculator
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BAföG Bedarf 2026 for university students: basic 475 €, housing with parents 59 € / away 380 €, health 102 € + care 35 € if self-insured (§ 13 BAföG). No income or asset offset — Bedarf only.
Housing
Health insurance
Monthly Bedarf
€992
Basic €475 + housing €380 + health/care €137. The paid amount can be lower after parental income and your own assets — estimate.
- Basic Bedarf
- €475
- Housing lump sum
- €380
- Health + care
- €137
BAföG Bedarf for students
The university basic need is €475 in 2026, plus housing and optional insurance add-ons.
This tool shows only the Bedarf. Actual payments depend on parental income and your assets.
Planned rises from 2027 are not included yet.
Sources
What this calculator does not account for
- Parental income and asset offsets.
- Age limits, course changes and study abroad top-ups.
How this is calculated
Formula: Bedarf
Basic + housing + health/care if self-insuredWhat the symbols mean
- Basic€475 for universities.
- Housing€59 with parents, €380 away.
- Health/care€102 + €35 if self-insured.
Good to know
- Income and assets reduce the paid amount — not subtracted here.
Read the full methodologyFound an error? Contact us
Worked examples
Each example is worked out by the same code as the calculator above.
With parents, family insurance
475 + 59 = €534.
Embed this calculator
The frame shows the tool only.
<iframe src="/embed/bafoeg-calculator-germany" title="BAföG calculator" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
What is the maximum?
€992 with away housing and own health/care cover.
Living in a parent-owned flat?
The lower €59 housing lump sum still applies.
Do I get the full amount?
Only if parental income and your assets do not reduce it.