BAföG Calculator 2026

Calculate BAföG subsidy for university students 2026. Up to €992/month. 50% lost, 50% loan (up to €10,010 to be repaid).

Data for Calculation

Combined Parental Income (Last Year)
Tax Exemption: €15,000
Increase parental child benefit by €805 each

BAföG Result

Based on the data entered, there is no entitlement to BAföG. The parents' income and/or wealth exceed the limits.

Come utilizzare Calcolatore BAföG 2026

Parental Income

Insert income of parents' gross annual income. The BAföG considers the income from the previous tax year's return (Income Tax Return). Married couples: insert combined income.

Personal wealth

Indicate your personal assets (savings, checking account, investments). The exemption is €15,000; all assets above this amount will be deducted from the BAföG amount.

Residential Situation

If you live outside your parents' home (away from home), you receive a rent supplement of 360 EUR. If you live with your parents, you do not have this supplement.

Result and Refund

BAföG is composed of 50% subsidies (loss fund) and 50% loans (loans). The maximum refund is limited to €10,010 in total, regardless of the amount received.

Suggerimenti

  • Request BAföG from Studentenwerk: Retroactive payment limited to the month the application was submitted, not the start of studies.
  • If your parents had a significant decrease in income this year, you can request recalculation based on current income.
  • Working up to €5,400 per year during studies does not affect BAföG from 2023 (was €5,400 before the reform).
  • Academic Progress Proof for BAföG: After the 4th semester, you must demonstrate academic progress to continue receiving the subsidy.

Domande frequenti

What is the maximum amount of BAFOG 2026?

Maximum BAFOG from 2023 and €992/month for students living outside home. Includes: Basic needs €452 + Rent allowance €360 + Electricity surcharge €109 + Care allowance €71. For those living with parents, approximately €632.

How much of the BAFOG do I need to return?

50% is a government loan (loan). Repayment starts 5 years after graduation and the head is fixed at €10,010 - even if you received much more. You can reduce your 50% debt by paying early.

How long do you have entitlement to BAFOG?

Generally up to 30 years for the Erststudium (first degree). Up to 35 years for a Master's if the Bachelor's was completed on time. Exceptions apply for course changes, illness, family, disability.

Does BAFog affect tax returns?

The subsidy (loss at the bottom of the budget) is not taxable. The loan is not income. If you work during studies, up to €5,400 per year do not affect BAföG (2023+). Above this amount a deduction is calculated.