Blocked Account Calculator

Official 2026 estimation for German Student Visas.

Visa Requirements
Financial Summary
Total Blocked Amount
€11,904
Official 2026 required deposit
Monthly Expense
€1,050
Extra Buffer
€500
Good News: Your estimated monthly expenses are within the official payout limit.

Understanding the 2026 Requirements

If you're moving to Germany, the Sperrkonto (Blocked Account) is your most important document. As of 2026, the German government requires students to prove they have at least €992 per month available. While this total of €11,904 is the legal minimum, our team knows that living in cities like Munich or Berlin can cost much more.

The International Student's Survival Guide

Moving to a new country is expensive. Here are the "Hidden Costs" we recommend you prepare for:

  • The Kaution (Deposit): Most landlords require 2-3 months of rent as a deposit. This can be €1,000+ and must be paid before you get your first blocked account payout.
  • Semester Fee: This is NOT tuition. It's a fee for the student union and public transport ticket, usually €300–€400 per semester.
  • Insurance Gap: Your health insurance starts on day one, but your payout might take a week to process. Keep €200 cash for emergencies.
  • Initial Setup: From bedding to a SIM card, expect to spend €300 in your first 48 hours.

Why Cities Matter?

A student in Leipzig can live comfortably on €900/month, but in Munich, your rent alone might be €800. Use our city-specific selector above to see if the official €992 payout will actually cover your lifestyle.

What's Next?

Budgeted your stay? Now see if your grades are competitive enough for German universities.

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Living in Germany: The 2026 Blocked Account Master Guide

Moving to Germany for studies is an exciting journey, but managing your finances is critical for your visa approval. The **Blocked Account (Sperrkonto)** is a mandatory requirement for most international students. Our Tooltini calculator helps you estimate not just the official requirement, but your actual cost of living based on your city of choice.

Official Requirements vs. Reality

As of 2026, the official blocked account requirement is **€992 per month** (€11,904 per year). While this is the amount required for your visa, your actual expenses can vary significantly depending on where you live. For example, living in Munich or Hamburg often requires a higher budget than the official payout.

Cost of Living Index (City Comparison)
City Category Estimated Monthly Cost Risk Level
Munich / Hamburg €1,200 – €1,500 High
Berlin / Cologne €1,000 – €1,200 Medium
Essen / Leipzig €850 – €1,000 Low

3 Steps to Budgeting Success

  • 1
    Apply for a Student Dorm: Public student housing (Studentenwerk) is 40-60% cheaper than private apartments. Apply as soon as you get your admission!
  • 2
    Understand Health Insurance: Your blocked account payout must cover your health insurance (approx. €120-€130/month for public insurance).
  • 3
    Keep a Buffer: Always bring at least €2,000 extra in your regular bank account for initial costs like deposit (Kaution) and enrollment fees.

Frequently Asked Questions

The most popular providers are Expatrio, Fintiba, and Coracle. They are all digitally based and approved by the German Federal Foreign Office. Deutsche Bank also offers Sperrkonto but it is a paper-based, slower process.

No, the monthly payout is fixed (currently €992). This is to ensure you have enough money for the entire duration of your stay.
Visa Approval Tip

When applying for your visa, make sure your blocked account confirmation clearly matches the amount requested in your admission letter's duration. Any discrepancy can cause delays.

German Living Stats
Avg Student Rent: €450 / mo
Semester Fee: €150 – €400

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