Calculate electric car funding by income
Short answer
Electric car funding 2026 is socially tiered. Under the published key points, the income threshold is 80.000 Euro gross per household. The threshold rises by 5.000 Euro for each child, up to a maximum of 90.000 Euro.
The lower the income and the higher the number of children, the higher the grant may be. Up to 6.000 Euro is available for fully electric cars.
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What the calculator needs
Three details are sufficient for an initial estimate:
- Vehicle type
- Income bracket
- Number of children
The calculator does not replace a funding notice. However, it helps you determine before purchasing or leasing whether an application is likely to be worthwhile and which documents you should prepare.
Why children matter
According to the key points, children increase the income threshold. Without children, the threshold is 80.000 Euro. With one child, it rises to 85.000 Euro. With two or more children, it rises to 90.000 Euro.
In addition, the number of children can affect the level of funding. Families with lower incomes in particular may therefore receive a higher grant than households without children.
Do not confuse income with purchase price
The income threshold determines whether you fall within the target group. Separately, the purchase price determines whether the vehicle makes financial sense for you. A high dealer discount does not replace the funding assessment.
Therefore, always calculate both:
- Funding amount
- Total costs after discount, funding, wallbox and running costs
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Which evidence is useful
Keep proof of income and tax documents ready, even if the final portal uses different names for individual documents. What matters is that you can substantiate the information in the application.
Families should be able to locate birth certificates or other proof of children. In the case of marriage, partnership or joint household assessment, check particularly carefully which people are counted in the application.
What you should clarify before buying
Before signing the contract, clarify whether your household is likely to fall within the income threshold. If you are just above or below a threshold, do not rely on a blanket statement from a dealer. Check the official application rules as soon as the portal is available.
In unclear income cases, it is better to calculate on a conservative basis. This avoids an expected grant later being missing from your financing.
Include the wallbox in the overall calculation
The purchase grant is only one part of the costs. If you want to charge at home, there may also be connection costs, a wallbox, installation, distribution network operator issues and possibly resolutions. These costs may influence the decision more than a small difference in the purchase grant.
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Find providers
If you compare several offers, ask for a full cost breakdown. This includes the vehicle price, lease payment, possible funding, registration, delivery time and wallbox preparation.