Living Cost Calculator
Estimate your monthly student budget step by step
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How much does it cost to live in Germany as a student?
The average international student in Germany spends roughly €850–€1,300 per month. Your real budget depends mostly on your city and your housing choice, with rent driving the biggest differences. This free calculator estimates your monthly costs from real cost-of-living data so you can plan your budget and your blocked account before you apply.
Typical monthly cost breakdown
| Expense | Monthly range |
|---|---|
| Rent (shared flat / dorm) | €350 – €700 |
| Public health insurance | €120 – €140 |
| Food & groceries | €180 – €300 |
| Transport (Deutschlandticket) | €29 – €60 |
| Phone, leisure & materials | €80 – €180 |
Ranges are indicative. Use the calculator above for an estimate tailored to your city and lifestyle.
Frequently asked questions
How much money do you need to live in Germany as a student?
Most international students spend between €850 and €1,300 per month depending on the city and lifestyle. Munich, Frankfurt and Hamburg sit at the higher end, while smaller cities like Leipzig or Aachen are noticeably cheaper. Rent is by far the biggest factor.
How much is the blocked account (Sperrkonto) for a German student visa?
For the 2024/2025 intake the blocked account requirement is €11,904 per year, which works out to €992 per month. This amount is set by the German government as proof you can finance your studies and is independent of the city you live in.
Which city in Germany is cheapest for students?
Cities in eastern and smaller western Germany — such as Leipzig, Dresden, Magdeburg and Aachen — generally offer the lowest rents. Big hubs like Munich, Frankfurt, Stuttgart and Hamburg are the most expensive, mainly because of housing.
Is health insurance mandatory for students in Germany?
Yes. Health insurance is compulsory to enrol at any German university. Public student health insurance costs roughly €120–€140 per month for students under 30, and you cannot register or get your visa without it.
Can international students work to cover living costs in Germany?
Non-EU students can work up to 140 full days or 280 half days per year. A part-time job typically covers part of your monthly budget, but it should not be your main funding source — the blocked account exists precisely because earnings alone are not guaranteed.
Are public universities in Germany really free?
Most public universities charge no tuition fees, only a semester contribution of around €100–€350 that usually includes a public transport ticket. Living costs — not tuition — are the main expense of studying in Germany.