BAföG Rechner 2026

Understand the numbers behind BAföG, Germany's student financial aid. BAföG generally consists of a grant and a state loan you repay without interest. BAföG Rechner 2026 helps you make non-binding estimates of monthly need, income offsets and repayment. FOUR STANDARD CALCULATORS • BAföG-Anspruch: Estimate your monthly Bedarfssatz (need rate) using education type, living situation, health insurance and age. See basic need, housing allowance and applicable insurance surcharges. • Elterneinkommen (parents' income): Enter both parents' monthly gross income, family status, siblings in education and your Bedarfssatz. Follow the deductions, allowances, income offset and estimated BAföG remainder. • Eigenes Einkommen (own income and assets): Enter your monthly income, assets, age and Bedarfssatz. See allowances, countable amounts and estimated monthly offsets. • Rückzahlung (repayment): Explore the grant-versus-loan split, the amount to repay, monthly installments and repayment duration. See an estimated discount for early lump-sum repayment and when income-based Freistellung (release from repayment, on application) may apply. TWO PREMIUM CALCULATORS • BAföG Plus: Combine parents' income and your own income. Compare living with your parents against living in your own flat, view a semester-by-semester projection and grant/loan breakdown, and see the maximum repayment amount and income that is not offset. Includes a document checklist, assumptions and legal sources, plus a plain-text report shared via the iOS share sheet. • Auslands-BAföG: Make a rough estimate for study abroad by region, including monthly country surcharges, tuition subsidies and travel-cost allowances. BUILT FOR EVERYDAY USE • Results from the four standard calculators are automatically saved in your on-device history. • Share text summaries from BAföG-Anspruch and Elterneinkommen. • Calculations run locally and work offline on iPhone and iPad. No account or sign-in, and no tracking. • Read about the simplified methodology, with links to the German BAföG law and the BAföG Digital application portal. • Unlock Premium with a one-time lifetime purchase. No subscription. Restore purchases from the paywall. BAföG-Anspruch estimates a need rate, not full eligibility. For Elterneinkommen and Eigenes Einkommen, you enter that need rate yourself. BAföG Plus uses fixed assumptions for education type, health insurance, assets and age. IMPORTANT: This independent app is not an official government service and is not affiliated with the Amt für Ausbildungsförderung (BAföG office) or BAföG Digital. Results are non-binding self-calculations, not an official decision or legal advice. The app does not submit applications and cannot replace BAföG advice or the official Bescheid (decision notice). Other eligibility requirements and personal circumstances must be checked separately.