Short answer
Under conditions effective 21 July 2026, the basic subsidy is 30%. The climate-speed bonus is 16% through January 2027; eligibility, caps and combination must be checked individually.
Important variables
- Investment after support
- Useful energy, efficiency and degradation
- Energy prices and tariff
- Horizon and discount rate
RATIOXA TOOLRun your own numbersHeat pump or gas? →
Worked example
30% plus 16% is not automatically 46% of the whole quote: eligible cost, household status and caps constrain the base.
Break-even: What changes the result?
Test the main driver as a cautious, central and optimistic range. Also check whether the ranking reverses at a crossover or remains robust across the range.
Common mistakes
- Treating subsidy or tariff as certain
- Omitting losses and degradation
- Confusing simple payback with return
Terms in this guide
Sources & assumptions
- KfW Bankengruppe — Heizungsförderung ab 21. Juli 2026 (2026-08-17)
- RATIOXA — Methodology and formulas (2026-08-17)
Continue learning
Continue with your numbers
Was this guide helpful?