BAföG Calculator 2025 — German Student Financial Aid
The maximum BAföG rate in 2025 is €934/month for students living away from home. Your entitlement reduces based on parental and own income. Calculate your estimated monthly BAföG below.
Your own income. €556/month Minijob is exempt.
Both parents' average monthly income after taxes and social security
Maximum BAföG Rate
EUR934
Parental Income Allowance
EUR1,715
Estimated Monthly BAföG
EUR0
Annual BAföG Entitlement
EUR0
Simplified estimate. Actual BAföG depends on exact parental income, assets, siblings, housing costs, and other factors. Half of BAföG is a grant; half is an interest-free loan repayable after graduation.
What is the BAföG-Rechner?
BAföG (Bundesausbildungsförderungsgesetz) is Germany's income-based student financial aid. The maximum monthly rate is €934 for students living away from home (€633 living at home) in 2025. Half is a grant; half is an interest-free loan repayable after a 5-year grace period post-graduation.
Formula
BAföG = max(0, Max rate − 50% × (parental income − allowance) − own income over €556).- B_max
- = Maximum BAföG (€934 or €633)
- P
- = Parental monthly income
- A
- = Parental allowance (~€1,715)
- S
- = Student monthly income
How to use the BAföG-Rechner
- 1
Step 1
Enter your monthly income (jobs etc.).
- 2
Step 2
Enter combined parental net monthly income.
- 3
Step 3
Select your living situation.
- 4
Step 4
View your estimated monthly BAföG.
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Frequently asked questions
What is the maximum BAföG in 2025?
€934/month for students living away from home, or €633/month for those living with parents. The 2024 BAföG reform raised these limits.
Do I have to repay BAföG?
Half of your BAföG is a grant (Zuschuss) — you never repay it. The other half is an interest-free loan. You repay up to €10,010 total, starting 5 years after the standard study period ends.
Sources
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Calculated with CalcCrack