In force today
- Basic grant 30 %, climate bonus 16 %, income bonus up to 40 %
- Ceiling 70 %, 80 % up to €30,000 income
- No 65 percent rule, no duty to replace after 30 years
- CO₂ price 2026: €55 to €65 per tonne
Guideline of 17 August 2026 · Building Modernisation Act since 29 July 2026
Heating grant in Germany 2026: your grant on the day you apply
Enter the application date, your current heating, the cost and your income: the calculator shows the grant under the current guideline, your own share, running costs before and after, and what each month of waiting costs.
Your grant
€15,680
49 % of the cost, applying on 19 October 2026
| Eligible costs (cap €28,000) | €28,000 |
|---|---|
| Basic grant 30 % | €8,400 |
| Climate speed bonus | 16 % |
| Income bonus | 10 % |
| Bonuses, capped at 70 % in total | €7,280 |
| Grant | €15,680 |
| Your share of the cost | €16,320 |
| Running cost today (Gas boiler) | €2,403 a year |
| With a heat pump (SPF 3.4) | €1,310 a year |
| Saving a year | €1,093 |
| Your share recovered after | 14.9 years |
What waiting costs
- 19 October 2026€15,680
- 1 February 2027€14,170
- 1 August 2027€12,720
- 1 February 2028€11,330
- 1 August 2028€10,000
Step-by-step calculation
- Application on 19 October 2026: guideline of 17 Aug 2026 (in force since 21 July 2026). Cap for the first home on that day: €28,000.
- At most €28,000 is eligible; of €32,000, €28,000 counts.
- Basic grant 30 % = €8,400.
- Bonuses for the home you live in: climate speed 16 %, income 10 % (taxable income €45,000). Total rate 56 %, at most 70 %, on €28,000: bonus €7,280.
- Heat demand 16,229 kWh a year (140 m², class E, Nordrhein-Westfalen climate, boiler efficiency 86.6 %). Heat pump: 4,773 kWh of electricity × 27.44 ct.
Estimate under the funding guideline and the law as of October 2026, not advice. Only the bank’s grant approval is binding. How we calculate
In short
If you own a home in Germany and replace an old heating system with a heat pump, a pellet boiler or a heat network connection in 2026, the federal promotional bank (KfW) pays a basic grant of 30 % on eligible costs of up to €28,000 for the first home. Owners who live in the house get two bonuses on top: the climate speed bonus (Klimageschwindigkeitsbonus) of 16 % for oil, coal, night storage and gas flat heaters, and for gas or biomass boilers aged 20 years or more, and the income bonus of 40 %, 30 % or 10 % for taxable household income up to €50,000. The total is capped at 70 %, or 80 % for incomes up to €30,000. The application date matters: from 1 February 2027 the climate bonus drops to 12 % and the cap to €27,250, then falls again every six months. Example: oil boiler, a €32,000 heat pump and €45,000 income give €15,680 if you apply now and €14,170 from February 2027. Since 29 July 2026 nobody is obliged to replace a working boiler.
What Heizrechnen does differently: it works out, for one specific household, the grant on the exact day of the application, with the 16% climate bonus until 31 January 2027 and then 12, 8 and 4%, with the cost cap that falls every six months from €28,000, plus running costs in your own state and the CO₂ cost. Every rule carries its source and date, and there is no quote form.
The same installation, six application dates
Oil boiler replaced, heat pump for €32,000, owner-occupied. Dark bar: income €80,000, light bar: €35,000.
- 19 October 2026 €12,880 · €19,600
- 1 February 2027 €11,445 · €19,075
- 1 August 2027 €10,070 · €18,020
- 1 February 2028 €8,755 · €16,480
- 1 August 2028 €7,500 · €15,000
Cap for the first home: €28,000 to €25,000. From Q1 2027 the basic grant for heat pumps not made in the EU may drop to 15 %; an EU-made unit is assumed here.
In force, passed, announced
Passed, with a fixed date
- Climate bonus 12 % from 1 Feb 2027, 8 % from 1 Aug 2027, 4 % from 1 Feb 2028
- Bio share for new gas and oil boilers from 2029: 10 %
- 2027 CO₂ corridor passed by the Bundestag (15 October 2026), not yet promulgated
Announced, start date open
- Heat pump 15 % plus 15 % if made in the EU, “from the first quarter of 2027”
- Green gas quota: bill announced by 1 December 2026
- EU ETS2 from 2028, without a fixed price
Heating cost a year, state by state
140 m², efficiency class E, German Weather Service degree days 2021 to 2025, 2026 prices.
| State | Degree days | Heat pump | Gas | Oil |
|---|---|---|---|---|
| Hesse | 2,917 | €1,306 | €2,395 | €2,207 |
| North Rhine-Westphalia | 2,929 | €1,310 | €2,403 | €2,214 |
| Baden-Württemberg | 2,968 | €1,324 | €2,429 | €2,237 |
| Saxony-Anhalt | 3,076 | €1,362 | €2,499 | €2,302 |
| Rhineland-Palatinate | 3,081 | €1,364 | €2,502 | €2,305 |
| Berlin | 3,148 | €1,388 | €2,546 | €2,345 |
| Lower Saxony | 3,160 | €1,392 | €2,554 | €2,353 |
| Bremen | 3,177 | €1,398 | €2,565 | €2,363 |
| Saarland | 3,192 | €1,403 | €2,575 | €2,372 |
| Brandenburg | 3,221 | €1,413 | €2,593 | €2,389 |
| Hamburg | 3,251 | €1,424 | €2,613 | €2,407 |
| Mecklenburg-Western Pomerania | 3,280 | €1,434 | €2,632 | €2,425 |
| Bavaria | 3,318 | €1,448 | €2,657 | €2,447 |
| Schleswig-Holstein | 3,348 | €1,459 | €2,676 | €2,465 |
| Saxony | 3,356 | €1,461 | €2,681 | €2,470 |
| Thuringia | 3,475 | €1,504 | €2,759 | €2,542 |
What a house with an oil boiler gets today
The calculator’s example is deliberately ordinary: a detached house you live in, an oil boiler, a quote of €32,000 for an air-source heat pump, taxable household income of €45,000 and no children under 18. €28,000 is eligible, because the cap for the first home is €28,000 for applications up to 31 January 2027 (BEG EM guideline, no. 8.3.1). On that come 30 % basic grant, 16 % climate speed bonus and 10 % income bonus: 56 %, or €15,680. You pay €16,320 yourself.
| Applying from | Climate bonus | Cost cap | Grant |
|---|---|---|---|
| 19 October 2026 | 16 % | €28,000 | €15,680 |
| 1 February 2027 | 12 % | €27,250 | €14,170 |
| 1 August 2028 | 0 % | €25,000 | €10,000 |
The cap falls in €750 steps down to €22,000 from 1 August 2030; the guideline runs until the end of 2030. More on the steps under climate speed bonus, on income under income bonus.
Apply now or later?
Grant on that date
€11,445
| Climate speed bonus | 12 % |
| If you apply now | €12,880 |
| Waiting costs | €1,435 |
Income above €50,000, so no income bonus.
Running costs before and after
For a 140 m² house in efficiency class E, the site uses the German Weather Service’s heating degree days for the state and the efficiency of a typical boiler. In North Rhine-Westphalia that gives 16,229 kWh of heat a year. Gas at the average household price of 11.58 ct per kWh in the first half of 2026 (Federal Statistical Office) costs €2,403, heating oil at the twelve-month average €2,214, and an air-source heat pump with the seasonal performance factor of 3.4 measured in older homes (Fraunhofer ISE) €1,310 on a heat pump tariff. How much the climate matters is shown in the comparison of states; electricity alone is in the power use calculator.
CO₂ price: what applies in 2026 and what comes in 2027
For 2026 the Fuel Emissions Trading Act sets a corridor of €55 to €65 per tonne (section 10 BEHG); auctions so far have cleared at the top price on average (DEHSt). One litre of heating oil therefore carries 20.7 ct of CO₂ cost including VAT, at 2.68 kg of CO₂ per litre. For 2027 the Bundestag passed the same corridor on 15 October 2026 (Bundestag); the act has not yet been promulgated. From 2028 the EU ETS2 is due to take over, with no fixed price. Details: CO₂ price 2027 and CO₂ calculator.
CO₂ surcharge on your heating oil
CO₂ cost a year
€414
| Per litre incl. VAT | 20.7 ct |
| Per 1,000 litres | €207 |
How this site calculates
Every rate, deadline and cap comes from the guideline of 17 August 2026 and the bank’s information sheet; the bank’s own worked examples run as automated tests before each release. Announced rules without a start date are flagged by the calculator rather than presented as law. In full under how we calculate.
What homeowners in Germany ask
How much grant does a heat pump get in Germany in 2026?
At least 30 % of up to €28,000, so up to €8,400. If you live in the house and replace an oil or old gas boiler you get 16 % more; with €90,000 income that makes €12,880. With a low income the rate rises to 80 %: a family with €40,000 income and a child gets €22,400.
Is it worth waiting until 2027 to apply?
Not if you are replacing an old oil or gas boiler. The climate speed bonus falls from 16 % to 12 % on 1 February 2027, to 8 % on 1 August 2027 and is gone from 1 August 2028. The cost cap drops by €750 every half year. In the example, applying in August 2028 instead of now costs €5,680. The date of the application counts, not the installation date.
Do I have to replace my gas or oil boiler in Germany?
No. The Building Modernisation Act (Gebäudemodernisierungsgesetz), in force since 29 July 2026, removed the 65 percent renewables rule and the duty to replace boilers after 30 years. Working systems may keep running and new gas or oil boilers may be installed again. A new one must, however, use a rising share of biomethane, bio-oil or hydrogen from 2029: 10 % from 2029, 60 % from 2040.
Do I apply before or after signing with the installer?
Sign first, but with a condition: the supply or works contract with the installer must be made conditional on the grant approval. Then apply to the bank. After approval you have 36 months to finish the work and then 6 months to send the proof. Starting work without an application loses the grant.
Which income counts for the income bonus?
The taxable income (zu versteuerndes Einkommen) of every owner and spouse or partner in the household, averaged over the second and third calendar years before you apply and shown by tax assessments. If a child under 18 with child benefit lives with you, €10,000 is deducted once, however many children there are. Up to €30,000 gives 40 %, up to €40,000 30 %, up to €50,000 10 %. If you moved to Germany recently, German tax assessments for those years are needed.
Will heat pumps get less funding from 2027?
From the first quarter of 2027 the guideline sets a basic grant of 15 % for heat pumps plus a 15 % value-added bonus if the unit is made in the EU. The exact start date and proof rules have not been published. An EU-made unit would stay at 30 %; other units would lose 15 %.
Guidelines, laws and data
- BEG individual measures guideline of 17 August 2026, Federal Gazette AT 27.08.2026 B1
- KfW information sheet 458, edition 09/2026, valid from 24 September 2026
- KfW: heating grant for private owners, residential buildings (458), product page with worked examples
- Federal Economy Ministry, KfW and BAFA: BEG questions and answers, as of 14 August 2026
- Act of 23 July 2026, Federal Law Gazette 2026 I no. 226 (Building Modernisation Act)
- Section 43 GModG: share of low-carbon fuels for new gas and oil boilers
- Section 10 Fuel Emissions Trading Act: certificate sales, prices and price corridor
- German Bundestag, 15 October 2026: amendment to the Fuel Emissions Trading Act passed
- Federal Statistical Office, press release no. 345 of 30 September 2026: gas and electricity prices, first half of 2026
- German Weather Service: heating degree days under VDI 3807, monthly values
- Fraunhofer ISE: heat pumps in existing buildings, final report of the WP-QS project
Published by Radif Partners
Publisher of calculators for replacing a heating system in Germany: grant by application date and income, running costs by state, CO₂ costs and their split
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As of 2026, read on