Cost of Living in Germany for Indian and International Students

Germany is one of the sought-after destinations for higher education. The country has top-class universities, low or no tuition fees, and a better quality of life. Though Germany provides free education low low-cost education, the cost of living is expensive than in India.

In this blog, we will have a broad coverage of the cost of living in Germany. This will help students plan their budget accordingly. Read further to understand the German expense better.

Why should students understand the living costs before moving to Germany?

Understanding the cost of living in Germany helps students plan their budget accordingly. Below are the benefits of understanding the cost of living in Germany.

Plan Finances accordingly: 

• Knowing the costs well in advance helps you to budget accordingly and avoid financial stress later.
• Many international students underestimate the costs, then face financial issues once they arrive. This eventually leads to difficulties in managing finances abroad.

Avoid last-minute hassle: 

• Generally, students can expect hidden costs like registration fees, semester fees, or even an unexpected hike in some expenses because of the policy changes in the country. 
• Therefore, planning with proper research will give you that confidence and prepare you for your stay in Germany. 

Visa Requirement: 

• German visa applicants are usually required to show proof of funds. Students must demonstrate that they have at least €11,904 per year as of 2025, in a blocked account to cover living costs.

Choice of city:

• The living costs may vary between cities in Germany. Knowing the differences will help you choose locations that align with your budget.

Read: How to open a Blocked account

How much should I plan for a monthly budget in Germany?

Students need to plan expenses for different categories. On average, students have to plan a budget of €850 - €1,200 (INR ₹76,500 - INR ₹108,000) per month (based on city and lifestyle).

The basic monthly expenses include:

• Accommodation: €250-€350 (₹22,500 - ₹31,500) (shared) / €400(₹36,000) - €600 (single)
• Food and groceries: €150-€200( ₹13,500–₹18,000)
• Health Insurance: €80 – €120 (₹7,200–₹10,800)
• Transport: €40 – €60 (₹3,600–₹5,400)
• Utilities: €150 – €250 (₹13,500–₹22,500)
• Personal expenses: €100 – €200 (₹9,000–₹18,000)

A detailed breakdown of each aspect of expenses in Germany is given below.

Average Accommodation Charges in Germany for Indian and International Students 

It is the accommodation that costs the major portion of expenses for any international student, including an Indian. The cost typically depends on the city that you choose to stay in and the type of stay(sharing, single). Cities like Saarbrücken and Leipzig are the most affordable for INternational students in Germany.

The average accommodation cost of each city is given below:

  Source: https://www.studying-in-germany.org/cost-of-living-in-germany/

Average Food and Groceries in Germany

Food costs add EUR 150–EUR 250 (INR 15,412.95 - INR 25,688.25) monthly. Eating out in Germany is more expensive; therefore, students often prefer to cook at home. The approximate cost of each item is given below. 

The average Transportation cost in Germany

Germany has one of the most affordable transportation systems in the world. The country provides a monthly pass called the  Deutschland ticket that covers all the trains and buses, making unlimited travel more affordable. Using bicycles is one of the cheapest options that one can save on travel expenses.

Let us understand the average cost of each mode of transport

The Cost of Health Insurance in Germany

• Health insurance is mandatory legally for all international students in Germany. This is required for all the students who stay for a long time in Germany. It is also mandatory for all students to have health insurance before they complete their enrollment at the university. 

• The best part in Germany for students is that they have the choice to choose between public and private health insurance. Some choose public insurance(Gesetzliche Krankenversicherung – GKV), while most of the students choose private health insurance Private Krankenversicherung- PKV) options as they are more affordable with better coverage.

NOTE: If you opt for a private insurer, make sure that it is fully accepted by your university enrollment and visa.  

• The average insurance costs around €140 and €150 (~₹14,386 and ~₹15,414) per month.

• Student Health Insurance: Public and private health insurance costs are basically dependent on the income of the individual. However, students enrolled at accredited higher education institutions in Germany are eligible for subsidized statutory health insurance.  This costs around €140 per month with a public provider.

Cost of Utilities in Germany 

In Germany, other than your rent, you have to keep aside some budget for the monthly costs of garbage, water, energy, and heating. In the German language, these are called “Nebenkosten”. These are often calculated along with the rent.

A detailed breakdown of he cost of the utilities

Cost of Personal Expenses in Germany

This includes other miscellaneous expenses such as clothing, books, and entertainment, and other costs incurred for personal use. 

• Personal and leisure expense: approximately €100 – €200/month (₹9,000 – ₹18,000/month)

• Study materials: €20 – €50/month (₹1,800 – ₹4,500/month)

Cost of living in India VS Germany

Compared to India, the cost of living is much higher in Germany. As per the cost of living statistics, Germany ranks 18th most expensive, and India ranks 141st. Below, we are providing with comparison table that helps you to compare and plan the budget accordingly.

Tips to save on the cost of Living in Germany

Below are some important tips that students can follow to make living possible under a budget possible.

• Many scholarships and grants are available for Indian students. Research and apply for the one that aligns with your career goals.

• Some events and public transport give students discounts in Germany. Make the best use of them.

• Try to eat in the college canteen, cook at home, and explore supermarket offers for food.

• Students can work 20 hours part-time per week, while in the holidays they can work full-time.

• Using public transport is cheaper, and a monthly pass can save better.

• Plan your budget to avoid unpleasant financial surprises.

How can Education Loans help?

Education loans can cover a broad range of expenses for students who are planning to study abroad. They offer great financial support and help students achieve their academic goals.

Below are the expenses that education loans can cover.

• Course fees or tuition fees

• Accommodation/living expenses

• Cautionary deposit

• Insurance Premium

• Examination fees

• Travel Expenses

• Purchase of course-related books

• Purchase of a laptop or computer

Therefore, for a seamless education journey, it is recommended that students choose education loans.

Applying for Education loans through WeMakeScholars can ensure fast loan approvals. We have a team of dedicated financial officers who lend support throughout the loan process. Our financial officers will provide end-to-end support and make your education loan process stress-free.

Conclusion

Germany is one of the top choices for students for its affordable education and top-class universities. However, the cost of living is high. A better understanding of the living expenses in Germany can help students plan their finances well and avoid financial stress. This blog covers all of that. It covers each aspect of the living expenses in Germany, helping students make informed decisions about finances.