Cost of Living in Germany for Indian Students 2022

Cost of Living in Germany

Germany is a preferred destination for students and families from almost all parts of the world, owing to its various advantages. Germany offers superior quality of life in tandem with ample job opportunities and interesting traditions and cultural facets. Germany has one of the world’s most well-developed and biggest economies with a stable and well-developed labour market. Germany is one of the most preferred countries for research, innovation and successful professional careers. Add to that its rich history, tourist landmarks, intriguing castles and the beautiful architecture all around. The beautiful German towns aside, there are heritage castles and innumerable landmarks including museums, cultural centres and other buildings which draw thousands from various corners of the planet. However, before zeroing on anything, it is important to delve deeper into the cost of living in Germany

An interesting fact to remember is that German university students usually stay closer to home while attending their universities and many people live in their parents’ homes. The remainder usually chooses cheaper rentals and apartments. A smaller chunk of students resides in dormitories. The cost of living in Germany for international students is mostly non-prohibitive, particularly when compared to average living costs in Europe. 

Being flexible with your budget and location will help you thrive in Germany on a budget. The average cost may hover around 850 Euros as living costs. Costs of clothing, food and cultural activities are just a little more than the average in the EU (European Union). Students in Germany usually spend roughly 850 Euros every month on average as living costs. You will require approximately 10, 300+ Euros annually in living costs and close to 40% of global students will want to find student residences owing to lower costs hovering around 300 EUR per month. Costs can increase to 1300 EUR every month, depending upon lifestyle preferences. 

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Cost of Living in Germany for Students 

For Indian students, the cost of living in Germany is approximately 10,200-12,000 EUR per year. The cost of living is also determined by the university’s location. Cities like Berlin and Munich, for example, are slightly more expensive if we compare them with the rest of Germany. In addition to low living costs, most universities do not charge tuition fees as they are state-run. Students will, however, be required to pay enrollment and administration fees each semester.

Recommended Read: Study in Germany

List of Necessary Items and Their Cost

In Germany, the cost of basic foods and beverages is not too expensive. The average cost of some of the necessary items and their costs is listed below:

 

Items

Cost

White bread (500g)

1.24 €

Milk (1 liter)

0.71 €

Eggs (12)

1.64 €

Rice (1kg, white)

2.03 €

Potato (1kg)

1.06 €

Onion (1kg)

1.09 €

Chicken (1kg)

7.53 €

Tomato (1kg)

2.62 €

Beef (1kg)

11.65 €

Apples (1kg)

2.22 €

Banana (1kg)

1.58 €

Oranges (1kg)

2.29 €

Average Rent in Germany

Accommodation is the most expensive part of living in Germany for international students. As a student, your costs vary depending on the type of housing and region you choose to live in. Munich and Stuttgart are the most costly cities in Germany to live in. Living in Dortmund, on the other hand, can be quite affordable.

In Germany, the average monthly cost of rented accommodation is:

German City

Average Rent In Germany

Aachen

€535

Augsburg

€613.57

Berlin

€790

Bochum

€400

Bonn

€650

Cologne

€700- €800

Dresden

€500

Frankfurt

€860 – €870

Hamburg

€800 – €868

Leipzig

€500

Mainz

€650

Munich

€1000- €1200

Stuttgart

€850

Recommended Read: How to study in Germany for free for Indian Students?

Study Cost and University Tuition Fee in Germany

Public Universities:

Germany strongly believes that education should not be commercialized, which is why studying at public universities in Germany is free. The German government aspires to provide equitable educational opportunities for all citizens while also ensuring the country’s commercial and economic progress by providing free basic and higher education. Even for overseas students, academic programs are tuition-free, which has contributed significantly to the country’s attractiveness as a study destination. Apart from that, the immigration procedures for international students are relatively straightforward. The average cost of public university programs ranges from ₹12,000 (€147) to ₹130,000 (€1,597) a year.

The average tuition fees for public universities in Germany:

University

Average Tuition Fee

Ludwig Maximilian University

€244/year

Technical University of Munich

€144/year

University of Heidelberg

€364/year

Humboldt University Berlin

€620/year

Karlsruhe Institute of Technology

€1500/year

Technical University of Berlin

€308/year

Free University of Berlin

€354/year

RWTH Aachen University

No Tuition Fees for International Students

Private Universities:

Private universities levy tuition fees on both domestic and international students. The average cost of private university programs ranges from ₹1,21,000 (€1,486.99) to ₹28,30,000 (€34,778).

The average tuition fees for Private universities in Germany:

University

Average Tuition Fee

Bard College Berlin

€28,700

CODE University of Applied Sciences

€9800

Munich Business School

€24,000

EBC Hochschule 

€10,000

GISMA Business School

€20,000

Friedensau Adventist University

€3,500

Hertie School of Governance

€32,500

SRH Hochschule Berlin

€10,000

University of Applied Sciences Europe

€1,400

WHU – Otto Beisheim School of Management

€15,000

Apply Now: Master in International Management in Germany

Transportation 

The cost of commuting around the city is included in the cost of living in Germany for students. Traveling across Germany and within Germany’s cities is relatively convenient because the country’s public transportation systems are well-planned and well-connected with trains and buses. As a result, transportation costs have little impact on the cost of living in Germany.

Mode of Transportation

Cost

Bus

€70/month

Train

€19-50/month

Taxi

€3-50 upwards

 

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Cost of Utilities and Bills

Besides housing rent, there will be a need to cover monthly bills for heating, electricity, water, and garbage. In Germany, a person will have to pay 29.42 cents for a kilowatt-hour (CT/kWh). If living with roommates, of course, there will be sharing of these expenses. In some cases, these bills are included in the rent, so there is no need to pay any extras for these utilities.

More Resources to Read About Germany:

Affordable Cities to Live in Germany

The below table shows the 10 most affordable cities along with their estimated living costs in Germany for Indian students:

City

Estimated Cost of Living (Monthly in Euros)

Munich

1300-2000

Frankfurt

1150-1800

Hamburg

1100-1750

Berlin

1100-1750

Heidelberg

1100-1700

Cologne

1100-1650

Bonn

1100-1650

Stuttgart

1100-1650

Dusseldorf

1050-1600

Wiesbaden

1050-1550

Cost of living in Munich

Munich has the highest cost of living in Germany for a single person. The average monthly cost hovers around 890 EUR while most of the costs like food prices and cost of amenities remain almost the same across most German cities, what really makes the difference is the rent. Munich has the highest number of listed companies and major universities making it ideal for studies and well-paid work.

Type of cost

Monthly Cost (approx.)

Rent

890 EUR (INR 78,000)

Food

400 EUR (INR 35,000)

Transportation

180 EUR (INR 16,000)

Amenities (electricity, heating, water, garbage)

265 EUR (INR 23,000)

Cost of living in Berlin

Berlin is not only the capital of Germany but also the largest city in the country. While the cost of living in Berlin is lower than in cities like Munich and Frankfurt, it is still higher than most other German cities. The average monthly cost of living in Berlin hovers around 825 EUR.

Type of cost

Monthly Cost (approx.)

Rent

825 EUR (INR 72,000)

Food

355 EUR (INR 31,000)

Transportation

255 EUR (INR 22,000)

Amenities (electricity, heating, water, garbage)

250 EUR (INR 21,800)

Cost of living in Frankfurt

Frankfurt is a centrally located city and is close to many other cities. However, it is one of Germany’s most expensive cities. The average monthly cost of living in Frankfurt hovers around 880 EUR. With an industrial background, it does offer a lot of work opportunities.

Type of cost

Monthly Cost (approx.)

Rent

880 EUR (INR 77,800)

Food

360 EUR (INR 31,500)

Transportation

169 EUR (INR 15,000)

Amenities (electricity, heating, water, garbage)

275 EUR (INR 24,000)

Cost of Living in Germany Compared to other European Countries

The living expenses in Germany are lower than in most other European countries. It doesn’t mean the standard of living but the cost of living. It is influenced by many different aspects like food, transport, living amenities, etc. The following table will help you compare the cost of living in Germany for a single person with that of other popular open countries:

Country

Monthly cost of living (approx.)

Germany 

861 EUR (INR 75,000)

France 

1,300 EUR (INR 1,13,000)

UK 

1,660 EUR (INR 1,45,000)

Switzerland 

2,150 EUR (INR 1,88,000)

Denmark 

1,580 EUR (INR 1,38,000)

Austria 

1,390 EUR (INR 1,21,000)

Sweden 

1,300 EUR (INR 1,13,000)

Cost of Living in Germany vs India

Reports suggest that living in Germany is over 200% costlier than living in India, on average. The cost is influenced by various factors like food, transport, rent, cost of amenities, etc. The following table of comparison of some of the basic aspects will shed some light on the cost of living in Germany for Indian students:

Cost type

Germany

India

Cost of living (One person)

861 EUR

365 EUR

Rent (One bedroom apartment)

650 EUR

140 EUR

Food Expenses

350 EUR

145 EUR

Transport Expenses

107 EUR

40 EUR

Internet connection

34 EUR

9.5 EUR

Basic utilities (garbage, water, electricity)

123 EUR

24 EUR

Costs and Types of Health Insurance in Germany for International Students

Health insurance expenditure affects the overall living cost in Germany for students. So, students aged under 30 years and who are admitted to a degree course in a recognized German institution can go for special student discounts for public health insurance. Students aged under 23 years can pay 105.05 EUR and those aged over 23 years can pay 106.93 as a part of their monthly living expenses in Germany. It covers both public healthcare and nursing care.

International students aged over 30 years can go for either public or private health insurance. It is possible to find private plans costing below the public healthcare premiums. It can cost as low as 40 EUR monthly along with a few variable costs.

However, it is ideal for students who have already found jobs to select public health insurance. It is paid in the form of social security contributions of around 14.6% of the gross salary. The overall amount is equally shared between the employer and employee and is capped at 360 EUR a month. The top public health insurance providers in Germany are TK, Barmer, KKH, and AOK.

Monthly public health insurance premiums for students aged below 30 years:

  • KKH – Kaufmännische Krankenkasse 111.75 EUR
  • Barmer 108.77 EUR
  • AOK Baden Württemberg 107.29 EUR
  • DAK Gesundheit 111.75 EUR
  • TK – Techniker Krankenkasse 105.80 (103.94 for students aged 22 or below)

Students aged over 30 years, studying in postgraduate or non-graduate programs, and are without a job can opt for private health insurance like EDUCARE24. The premiums start at around 33 EUR and go up to 130 EUR monthly.

Tips to Save Money in Germany 

Here are some handy tips for saving money during your time in Germany: 

1. Sports

A gym membership at a neighbouring location is often prohibitively expensive. Finding outdoor sports clubs can help students save money while also meeting new people and staying in shape.

2. Choosing supermarkets wisely

Numerous supermarkets in Germany sell low-cost grocery items. These places can be preferred over pricey shopping centres. Inquire with locals or native students about farmers’ markets, where fresh produce can be found at reasonable prices. Pay attention to supermarket sales and special offers, and buy in bulk. Students in Germany are entitled to discounts at cafes, restaurants, theatres, libraries, and museums, among other places, if they present their student ID cards.

3. Transportation

Students should go to their local transportation provider’s website. In most cases, special student fares are significantly less expensive than ordinary fares. The semester ticket is sometimes cited as why students aspire to study in Germany. Bicycling is a common and comfortable way to commute short to medium distances.

4. Share when you can-

It is always cheaper and more fun to share with roommates and friends. This arrangement is common in Germany where it is known as Wohngemeinschaft or WG. Here, flatmates usually join forces to sign their tenancy agreements, thereby saving a whopping EUR 100-200 individually in several scenarios. There are several online portals such as WG-Gesucht and other communities for finding flatmates. 

5. Arrange for an additional source of income

Students can work part-time after college or on weekends to supplement their income. It may or may not be high-paying or relevant to their academics, but it should be able to assist them in earning some extra pocket money that they can either save or use for personal purposes. International students can work up to 120 full days and 240 half-days every year.

Related Reads:

Study in Germany with upGrad Abroad

upGrad Abroad has started uniquely designed programs that enable students to save money on tuition fees, and other expenses. Students enrolling in these programs will be studying a part of their program online and completing the course on-campus. 

Benefits of joining upGrad’s program:

  • Quality education at lower prices
  • Degree from international colleges/universities
  • Time-saving
  • Save up to 1/5th the education cost
  • End-to-end assistance for application and visa

Master of Business Administration with IU Germany

This Master of Business Administration (MBA) program is an 18-month-long hybrid course. This means, that the first two semesters are studied online via online sessions and live lectures, and the remaining six months (semester 3) are completed on-campus. The degree will be conferred by the IU International University of Applied Sciences, Germany. The course offers the following specializations: 

  • Finance & Management
  • Big Data Management 
  • IT Management
  • Engineering Management 
  • International Marketing

College

Semester

Mode of learning

Tuition fee 

IU Germany

2 semester

Online

INR 2,67,000

IU Germany

3rd semester

On-campus

INR 4,72,313 per semester

Master Degree in Data Science with IU Germany

This master’s program in collaboration with IU Germany and IIIT Bangalore helps students tap into the field of data science at a low cost. The first year of the course is conducted online with IIIT Bangalore and the second year is conducted on-campus at IU Germany. Here are some of the key course benefits:

College

Semester/year

Mode of learning

Tuition fee 

IIIT Bangalore

1st year

Online

INR 3,50,000 

IU Germany

2nd year

On-campus

INR 7,56,917

Master in International Management with IU Germany

This master’s program is offered in collaboration with IMT Ghaziabad and IU Germany. It allows students to study for the 1st year from home and then move to the IU Germany campus for the 2nd year. The specializations offered are International Marketing and Finance & Marketing.

College

Semester

Mode of learning

Tuition fee 

IMT Ghaziabad

1st year

Online

INR 2,67,000 

IU Germany

2nd year

On-campus

INR 7,56,917 per year

Important Resources to Read for Study in Germany:

Master in Cyber Security with IU Germany

This Cyber Security program is a two-year course conducted by IIIT Bangalore and IU Germany. Students can study online from home for the first year and the second year is conducted on-campus at IU Germany. The course is in two parts – an Executive PG Programme in Software Development (Cyber Security) from IIIT Bangalore and a one-year master’s program in cyber security at IU Germany.

College

Semester

Mode of learning

Tuition fee 

IIIT Bangalore

1st year

Online

INR 3,40,000

IU Germany

2nd year

On-campus

INR 7,56,917

Master in Computer Science with IU Germany

This is a two years postgraduate course wherein the first year is conducted online with IU Germany and the 2nd year is conducted on-campus in IU Germany.

College

Semester

Mode of learning

Tuition fee 

IU Germany

1st year

Online

INR 2,62,000 

IU Germany

2nd year

On-campus

INR 7,66,619

Important Resources to Read About Germany:

Frequently Asked Questions

Q1. What is the cost of living in Germany for international students?

A: On average, international students will have to spend EUR 588-799 every month on cost of living in Germany.

Q2. What is the cost of living in Germany for a family?

A: The cost of living in Germany for a family will hover between EUR 2497-2747 every month.

Q3. What are average food costs in Germany?

A: Average food costs may be EUR 40-50 per week for staples and EUR 30-40 for a meal at a standard German restaurant.

Q4. What is the average rent in Germany?

A: The average rent in Germany hovers between EUR 739-1030 on average.

Q5. Is Germany expensive?

A: Germany isn’t considered too expensive in comparison with other European countries. However, it is definitely a lot more expensive than in India.

Q6. What is the cost of living in Germany for international students?

A: On average, international students will have to spend 588-799 EUR every month on the cost of living in Germany.

Q7. Is education free in Germany?

A: The cost of education in Germany is significantly lower than most other study abroad destinations. Almost all public universities/colleges offer free education. However, private universities are quite costly.

Q8. How much does it cost to study in Germany?

A: There are no tuition fees for public universities in Germany apart from some minor administrative charges, etc. However, fees for private institutions can go upwards of 30,000 EUR /year depending on courses.

Q9. Is Germany cheap for Students?

Germany is undoubtedly one of the most affordable countries for students. The cost of Studying in Germany is much lower as compared to the cost of studying in the United States or the United Kingdom.

Q10. How can I manage my expenses?

Begin with fixed expenses like transportation, books and supplies, bills, and rent, and assign a predetermined amount to each. With the remaining funds, create a separate budget for discretionary items.

Q11. What are the affordable cities to live in Germany?

A few affordable cities to live in Germany are Munich, Frankfurt, Hamburg, Berlin, Heidelberg, Cologne, and Bonn.

Q12. Is it worth studying in Germany for Indian students?

Germany is an excellent choice for Indian students. In Germany, there are many free colleges that provide great programs for a low cost of studying.

Q13. How to find accommodations in Germany for students?

Although the majority of German universities offer accommodation facilities such as student hostels, there are also other possibilities such as private homes, flats, dormitories, and apartments.

Read to Know About Top Universities in Germany:

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