GERMANY · CHAPTER 7
The real costof studying in Germany.
At most public universities you pay only the semester contribution (about €150–400, often including a transport ticket). Plan €1,000–1,300 a month for living costs, including statutory health insurance of roughly €140 a month for students, and more in Munich.
Published by Althéa Consulting · Adviser: Harshita Kohli
Source review: · How to use our guides
- Blocked account
- €11,904 / year
- €992 a month
- Semester contribution
- ≈ €150–400
- Student health insurance
- ≈ €140 / month
Monthly living costs
| Expense | Munich / Frankfurt | Other cities |
|---|---|---|
| Rent (shared) | €600–900 | €350–600 |
| Health insurance | ≈ €140 | ≈ €140 |
| Food | €250–350 | €220–300 |
| Phone, broadcasting fee, personal | €100–180 | €80–150 |
| Total | €1,100–1,500 | €850–1,200 |
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Monthly budget
| Item | Munich / Frankfurt | Other cities |
|---|---|---|
| Rent (WG room or dorm) | €550–900 | €300–550 |
| Health insurance | ≈ €140 | ≈ €140 |
| Food | €200–300 | €180–280 |
| Phone and internet | €20–40 | €20–40 |
| Broadcast fee (per household) | Shared among flatmates | Shared among flatmates |
| Transport | Semester ticket or Deutschlandticket | Semester ticket or Deutschlandticket |
In rupees
At roughly ₹95–105 to the euro (check the current rate), a year in Germany at a no-tuition university typically costs ₹11–15 lakh including living costs, mostly covered by the blocked account.
QUICK ANSWERS
Your questions, answered.
A monthly broadcast fee charged per household in Germany. In a shared flat, one person registers and flatmates split it.
WHERE TO GO NEXT
Keep going: the pages that help next.
Each card says what you will find there. Looking for something else? See every page on the site.
GERMANY GUIDE
Scholarships
DAAD scholarships, Deutschlandstipendium, political foundation scholarships and university awards for Indian students in Germany.
GERMANY GUIDE
Blocked account & loans
Germany blocked account €11,904 for 2026, how it works, alternatives like a declaration of commitment, education loans and TCS.
GERMANY GUIDE
Housing & student life
Studierendenwerk halls, WG shared flats and private rooms in Germany: costs, deposits, scams and the broadcasting fee.
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Study abroad guide
Search every study-abroad answer by topic, plus a budget planner for your city.
FROM INDIA
Sending money abroad
Pay foreign university fees from India: LRS limit of USD 250,000, TCS from April 2026 (nil on loans, 2% above ₹10 lakh), Form A2, forex cards and TCS refunds.
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Compare countries
Compare countries on fees, living costs, visa rules and post-study work, in one table.
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