Cost of Studying in Germany in 2026: Blocked Account, Living Expenses & Budget Guide
Complete Financial Planning Guide for International Students in Germany
Feb 14, 2026
Is Germany Really Tuition-Free?
Germany is widely known for offering tuition-free education at most public universities.
However, “tuition-free” does not mean “cost-free.”
Students must still budget for:
Semester contributions
Living expenses
Health insurance
Visa-related financial requirements
Understanding the full financial picture is essential before applying.
Tuition Fees in Germany
Public Universities
Most public universities do not charge tuition fees for undergraduate and many master’s programs.
Students only pay a semester contribution:
EUR 250 – 400 per semester
This often includes public transport benefits.
Private Universities
Private institutions may charge:
EUR 5,000 – 20,000+ per year
Private programs are generally more expensive than public universities.
Blocked Account Requirement
Germany requires international students to show proof of financial resources before visa approval.
This is usually done through a blocked account (Sperrkonto).
The blocked account ensures students have enough funds to cover living expenses for one year.
The required amount is updated periodically by German authorities.
Students can withdraw a fixed monthly amount from this account after arrival.
Cost of Living in Germany
Estimated monthly living expenses:
EUR 850 – 1,200
This includes:
Rent
Food
Health insurance
Transportation
Study materials
Personal expenses
Costs vary depending on city.
Accommodation Costs
Housing is the largest monthly expense.
Estimated rent:
Student dormitory: EUR 250 – 400
Shared apartment (WG): EUR 400 – 700
Private apartment: EUR 700 – 1,200
Cities like Munich, Frankfurt, and Hamburg are more expensive.
Smaller cities are more affordable.
Health Insurance
Health insurance is mandatory for students in Germany.
Estimated cost:
EUR 110 – 130 per month (public student insurance)
Proof of health insurance is required for enrollment and visa approval.
Visa & Administrative Costs
Students must budget for:
Visa application fee
APS certification (if required)
Residence permit fee after arrival
Administrative costs vary by country of application.
Can Students Work to Cover Expenses?
International students can work:
120 full days or 240 half days per year
Part-time job earnings typically range between:
EUR 12 – 15 per hour
While part-time work helps with living costs, students must still show full financial proof before visa approval.
Sample Annual Budget (Estimated)
Semester contribution: EUR 600
Living expenses: EUR 11,000
Health insurance: EUR 1,500
Miscellaneous: EUR 1,000
Estimated total: EUR 14,000 per year
Actual costs vary depending on lifestyle and location.
Final Thoughts
Germany offers one of the most affordable higher education systems in Europe.
Although tuition is minimal at public universities, students must carefully plan for living expenses, blocked account requirements, and insurance costs.
Proper financial preparation ensures a smooth academic journey in Germany.