What does a nursing home place in Germany really cost — and how much do you have to pay yourself? Calculate the co-payment month by month, including the care fund supplement that rises with the length of stay.
A difficult decision — and a clear calculation
Moving into a nursing home is often emotionally demanding for those affected and their families. The costs should not add to the uncertainty. The preset values are German federal averages (vdek, as of 1 July 2026). You will find the exact amounts for your home in the residential contract or the home's cost statement — simply enter them.
Preset: German federal average per vdek as of 1 July 2026. The EEE value is derived from the €1,775 stated there for the first year (after the 15% supplement).
€3,364
per month · Month of stay 1 · Care fund supplement: 15 % = €313
Total for the period (48 months)
€133,901
Avg. per month
€2,790
Supplements in total
€42,595
Months 1–12· current
€3,364
−15 % = −€313
EEE after supplement: €1,775
Months 13–24
€3,051
−30 % = −€626
EEE after supplement: €1,462
Months 25–36
€2,633
−50 % = −€1,044
EEE after supplement: €1,044
From month 37
€2,111
−75 % = −€1,566
EEE after supplement: €522
Care fund benefit (§ 43) (PG 3): €1,319 per month — paid by the care fund directly to the home — already deducted before your co-payment
Month of stay 1–48
Monthly shortfall in the first month
€1,864
Shortfall over the period (48 months)
€61,901
Savings / assets
Savings last about 16 months (≈ 1.3 years)
If income and assets are not sufficient, the social welfare office covers the rest as "Hilfe zur Pflege" (care assistance, §§ 61 ff. SGB XII). Part of the assets remains protected, and you keep a personal allowance of at least 27% of standard need level 1 (2026: €152.01 per month).
Only in rare cases: maintenance claims against children are only taken into account for care assistance if their total annual income (§ 16 SGB IV) exceeds €100,000 (§ 94 (1a) SGB XII). The social welfare office initially presumes that this limit is not exceeded. The limit does not apply to spouses and registered partners.
Email results
Was the nursing home cost calculator helpful?
Kaffee ausgeben ☕Check how much of the pension remains net
Supplements, cost components, care assistance and parental maintenance explained
FeaturedThe complete guide to the nursing home co-payment in Germany: which components make up the costs, how the supplement under § 43c SGB XI works, and what happens if the money is not enough.
The supplement under § 43c SGB XI rises with the length of stay. How months are counted, what it applies to and how much it amounts to in euros.
Around half of the nursing home bill has nothing to do with care itself. What lies behind room, board and investment costs, and where relief is available.
The social welfare office steps in when your own funds are used up. Who is entitled, what is taken into account, what remains protected and how to apply in good time.
Since the Relatives Relief Act, an income limit of €100,000 per child applies. What exactly counts, who the limit does not apply to, and what children must tell the social welfare office.
Calculate care allowance & combined benefits
Calculate now →Calculate your German net pension: pension tax, taxable share, health and care insurance and tax-free pension by start year
Calculate now →Calculate child support using the Düsseldorf Table
Calculate now →