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Status: September 2026 · applies to Germany
In Germany, even without the KfW grant in 2026, there is still funding available for accessible bathroom renovation: up to €4,180 from the nursing care fund if you have a care level, up to €50,000 via the KfW loan 159, and 20 percent of labour costs as a tax reduction. The overview shows what applies to your situation.
The KfW grant 455-B can no longer be applied for since 31 July 2026. In Austria, separate programmes apply, such as the subsidy from the City of Vienna.
Checked by Julien El-Bahy, bazuba headquartersStatus: 23 September 2026 · Basis: KfW-Merkblatt 159, § 40 SGB XI, §§ 33 and 35a EStG
In short
The KfW grant for bathroom renovation is currently unavailable. These three options remain in Germany:
KfW grant 455-B: No more applications possible since 31 July 2026, funds have been exhausted. A new edition will only be available with new federal funding. What this means
Applies to Germany; in Austria, the federal states provide funding (for example Vienna with up to 7,500 euros). Status: 23 September 2026. Checked by Julien El-Bahy (bazuba headquarters). No legal advice; the relevant funding conditions of the respective authority apply.
The funding you receive mainly depends on two questions: Does anyone in the household have a care level, and do you need financing? The table applies to Germany.
| Your situation | What you receive | How it works |
|---|---|---|
| Care level 1 to 5 in the household | up to €4,180 per person from the care fundup to €16,720 if four people in need of care live in the household | Application to the care fund before renovation begins, with cost estimate. More |
| Care level and personal contribution | Personal contribution tax-deductible as an extraordinary burden§ 33 EStG, including materials | In the tax return, the care level notice is sufficient as proof. Tax guide |
| Without care level, you pay yourself | 20% of labour costs, up to a maximum of €1,200 per yearFrom 2027 planned: 15%, up to €900 | Tax bonus according to § 35a EStG, invoice and bank transfer are sufficient. To the calculator |
| Without care level, you need financing | KfW Loan 159 up to €50,000 per residential unitlow-interest, must be repaid | Via your house bank, before placing the order. More |
| Medically prescribed aids | Health insurance fund for bath lifts, shower seats, mobile grab handlesCo-payment €5 to €10 per aid | With a medical prescription. More |
Applies to Germany. The KfW grant 455-B has been discontinued since 31 July 2026. Landlords can claim the costs as advertising expenses, more on this in the Tax guide.
The investment grant 455-B ‚Barrier Reduction‘ cannot currently be applied for. For bathroom renovation, the nursing care fund, the KfW loan 159, and tax benefits remain available, the overview above shows what suits you.
Since 31 July 2026 KfW is no longer accepting new applications, as the funds for 2026 have been exhausted. The programme had only just restarted on 8 April 2026 with an annual budget of €50 million (previous years: €150 million). Applications already submitted will continue to be processed. According to KfW, new applications will only be possible again once the federal government provides further funds in 2027.
The 455-B investment grant, officially 'Barrier Reduction – Investment Grant' (formerly 'Age-Appropriate Conversion – Investment Grant'), is the main KfW funding programme for private individuals wishing to renovate their bathroom to be age-appropriate or barrier-free. It is a direct grant that does not need to be repaid. Requirement: The application must be submitted before the start of construction, and the work must be carried out by a specialist company. However, funds for 2026 have been exhausted. The conditions below apply if KfW reopens the programme.
What is funded?
Eligible costs include construction and material costs, including ancillary construction costs such as consultancy, planning, and construction supervision. Gross costs including VAT are recognised. In the bathroom, this particularly includes:
What is NOT funded?
How to apply for 455-B (currently suspended)
Currently, no new applications are possible. If KfW reopens the programme, the application process is as follows:
The application is submitted online via the KfW grant portal before the project begins. public.kfw.deSelect the product 'Barrier Reduction – Investment Grant' and a purpose from the barrier reduction category. You will need the cost estimate or contract from the specialist company carrying out the work. If you renovate with bazuba, you receive everything from a single source: the bazuba contract is sufficient for the application.
After approval, identification is carried out via video or PostIdent, followed by implementation by the specialist company, uploading of invoices, and payment. You can find the complete process further below under Application step by step.
If you have a recognised care level, you can receive a grant from the care fund for the conversion of your bathroom. The legal basis is § 40 paragraph 4 SGB XI „Measures to improve the living environment“. The grant is not income-dependent and does not have to be repaid. It can be combined with the KfW loan 159 if the measures are invoiced separately.
The care fund has Section 40, paragraph 7 SGB XI three weeks to decide on your application (five weeks if the Medical Service is involved). If no decision is made within this period, the application is automatically considered approved. Therefore, it is advisable to submit your application in writing and request confirmation of receipt.
Functionally related interventions are considered together as one measure: A complete bathroom renovation with a walk-in shower, grab bars, widened doors, and new fittings is subsidised with up to a total of €4,180. Functionally independent projects (for example, bathroom, stair lift, and external ramp) are counted separately and can be applied for individually.
Without care level? Further down you will find what is still possible.
An offer recognised by the care fundWe will inspect your bathroom and prepare the cost estimate so that it matches your application. Free of charge and without obligation.
As long as the 455-B grant is stopped, loan 159 is the only KfW funding for barrier-reduced bathroom conversion. It is a low-interest loan and must be repaid. No care level or minimum age is required; tenants and homeowners‘ associations are also eligible to apply.
The 159 loan is not applied for directly with KfW, but through a financing partner: your main bank, savings bank or online bank. The process:
| Service | with bazuba | Eligible for funding |
|---|---|---|
| Tub out, shower inlevel with the floor, with grab handles and slip resistance | from approximately €4,500 | yes, clearly eligible for the care fund subsidy |
| Retrofitting bathtub doorthe existing bathtub remains | from approximately €2,900 | yes, the care fund recognises the easier access |
| Slip resistance onlyBathtub or shower tray | from approximately €450 | in individual cases, please consult the care fund before commissioning |
Without a care level, there is currently no nationwide subsidy for bathroom renovation. Three options remain: the KfW Loan 159 for financing, the tax bonus on labour costs, and, with a doctor’s prescription, the health insurance for aids. In addition, some federal states offer their own programmes, mostly as loans.
The health insurance does not cover structural modifications, but does provide aids such as bath lifts, shower seats, and mobile grab handles. A doctor’s prescription is required. The personal contribution is 10% per aid, at least €5 and at most €10.
Important for allocation: Mobile grab handles are covered by the health insurance. Permanently fixed grab handles on the other hand, are covered by the long-term care insurance as a measure to improve the living environment.
If you do not use, or only partially use, public funding, you can claim your own contribution for tax purposes. Two options are available for bathroom renovation:
As soon as a measure receives a KfW grant (455-B), KfW loan (159) or care fund subsidy is used, the entire measure is excluded from the tax reduction according to § 35a EStG. Not just the subsidised portion. Basis: KfW information sheet 455-B (as of 04/2026, p. 7) and § 35a para. 3 sentence 2 EStG.
Only parts of the measure that are in a separate invoice and not publicly subsidised are still tax-deductible. Example: If you finance a bath-to-shower conversion via KfW and at the same time have the WC replaced without subsidy, you can deduct the WC replacement under § 35a, but not the KfW project.
Several federal states have their own programmes for accessible renovation, modernisation or home ownership support. Combining these with KfW funding is usually not possible, as many state programmes refinance the KfW funds themselves. Important: Here too, you must apply before awarding the contract.
| Service | Programme | Subsidy |
|---|---|---|
| North Rhine-Westphalia | NRW.BANK Home Ownership Promotion Modernisation | Loan up to €150,000, repayment discounts up to 25% depending on income group |
| Bavaria | BayernLabo Adaptation of Owner-Occupied Housing for People with Disabilities | Low-interest loan plus grant up to approx. €10,000 |
| Baden-Württemberg | L-Bank Home Ownership Financing with Additional Accessibility | Repayment grant 3%, max. €1,500 with full implementation of DIN-18040-2 |
| Hesse | WIBank Conversion for Accessibility | Grant up to 50%, max. €25,000 in total, of which bathroom max. €5,500 |
| Berlin | IBB Age-Appropriate Living | Interest rate reduction on KfW 159, up to 0.6%/year, max. €50,000 |
| Brandenburg | ILB Barrier-Free Conversion | Grant up to €22,000, with lift up to €26,000 |
| Hamburg | IFB Modular Grants | Ownership and rental, flexible adaptation to the measure |
Funding conditions of the federal states as of May 2026. Programmes are sometimes adjusted several times a year; please check the respective development bank before submitting your application. Other federal states also offer suitable programmes. A complete overview is provided by the Federal Ministry of Labour and Social Affairs at bmas.de.
Several options can be combined, but never for the same invoice item. If you want to use both a grant and a tax bonus, you need separate invoices for subsidised and non-subsidised work. The table shows the most common cases in Germany.
| Combination | Is that possible? | What matters |
|---|---|---|
| Care fund + KfW loan 159 | yes | For separate partial measures with individual invoices. |
| Care Fund + § 33 EStG | yes | The personal contribution above the reasonable burden is tax-deductible, including materials. The care level notice is sufficient as proof. |
| Care Fund + Health Insurance | yes | Renovation and aids are separate funds and are not offset against each other. |
| Care Fund + § 35a EStG | No | Not for the same measure. Work not subsidised by the care fund remains tax-deductible on your own invoice. |
| KfW loan 159 + § 35a EStG | No | The subsidised measure is excluded from the tax bonus. Non-subsidised parts on your own invoice remain tax-deductible. |
| KfW loan 159 + state subsidy | Usually no | Many state programmes are themselves funded via KfW resources. In individual cases, please enquire with the development bank. |
KfW loans and care insurance grants follow different rules. What they have in common: the application must be submitted before the project begins. If you have already signed contracts or purchased materials, you risk losing the funding. Planning and consultation do not count as the start of the project.
If you wish to use the 455-B grant or the 159 loan, you must comply with certain technical minimum requirements. These are set out in the KfW annex „Technical Minimum Requirements“ to information sheet 6000004451 (as of 05/2021, still valid). The most important values for the bathroom according to funding area 5 (bathroom renovation) and funding area 4 (removal of thresholds and doors):
| Area | Requirement | Value |
|---|---|---|
| Bathroom size | Minimum size of sanitary room | min. 1.80 × 2.20 m |
| Movement area | Centrally in front of each sanitary fixture, overlapping of areas permitted | min. 0.90 × 1.20 m |
| Distance | Between sanitary fixtures or to the side wall | min. 0.25 m |
| Internal door | Clear passage width (funding area 4) | min. 0.80 m |
| Internal door | Sliding or opening outwards, can be unlocked from outside | Mandatory in the bathroom |
| Shower | Level with the floor, if not structurally possible, lowered level | max. 20 mm |
| Floor | Floor covering slip-resistant or anti-slip (no R-class specified) | Mandatory |
| Washbasin | Depth, with knee clearance for seated use | min. 0.48 m |
| toilet | Seat height according to user’s needs or flexibly mountable in height | As required |
| Bathtub | Height, alternatively door entry or accessible for wheelchairs with lift system | max. 0.50 m |
Instead of the KfW's own minimum requirements, you may also meet the requirements of DIN 18040-2 (standard for barrier-free construction in residential buildings). It is stricter and, among other things, requires wheelchair-accessible movement areas of 1.50 × 1.50 m. Both options are eligible for funding.
You can find the complete technical minimum requirements on the KfW website
The 455-B investment grant can no longer be applied for since 31 July 2026. It amounted to 10 percent of eligible costs, up to a maximum of €2,500 per residential unit for individual measures. The KfW loan 159 is still available, with up to €50,000 per residential unit. A grant for bathroom conversion is currently available in Germany from the care fund, up to €4,180 with a care level.
No. Since 31 July 2026, KfW no longer accepts new applications for the 455-B grant, and the funds for 2026 have been exhausted. The programme was relaunched on 8 April 2026 with a budget of €50 million. Applications already submitted will continue to be processed. Whether applications will be possible again in 2027 depends on new federal funds. The KfW loan 159 and the care fund grant of up to €4,180 are still available.
In Germany, yes, from the care fund: up to €4,180 per person with care level 1 to 5, applied for before construction begins. The KfW grant 455-B has not been available since 31 July 2026. Without a care level, the KfW loan 159 and the tax bonus on labour costs remain.
Level-access shower, removal of the bathtub and installation of a shower, bathtub door installation, height-adjustable toilet, accessible washbasin, permanently installed grab rails, slip-resistant flooring, widening of the door to at least 0.80 m and removal of thresholds. Own work is not eligible for funding.
Yes, via the KfW loan 159: Installing a bathtub door counts as a barrier-reducing modernisation of sanitary facilities. It was also eligible for the 455-B grant, but KfW has not accepted applications for this since 31 July 2026. With a care level, the care fund contributes because the door makes access easier.
The care fund pays up to €4,180 per measure and person in need of care according to § 40 para. 4 SGB XI. The minimum requirement is care level 1. If several people in need of care live in the household, the grant can be combined up to €16,720.
A recognised care level 1 to 5 is required. The measure must enable or significantly facilitate home care, or maintain independent living. The application must be submitted to the care fund before the measure begins. The care fund has 3 weeks to decide, or 5 weeks if the Medical Service is involved. If no decision is made within this period, the application is deemed approved (approval fiction according to § 40 para. 7 SGB XI).
Yes, but only for different partial measures with separate invoices. For example, you can invoice the level-access shower via the care fund and finance the widening of the door via the KfW loan 159. The same invoice must not be submitted twice.
There has been no nationwide grant without a care level since the stop of KfW 455-B on 31 July 2026. Without a care level, the KfW loan 159, the tax bonus under § 35a EStG (20 percent of labour costs, up to €1,200 per year), and, with a doctor’s prescription, the health insurance for aids remain. Some federal states have their own programmes, mostly as loans.
No. For individual measures under 455-B, compliance with KfW’s own minimum values from the „Technical Minimum Requirements“ appendix is sufficient. DIN 18040-2 is an alternative way to comply, not a requirement. Only the „Standard Age-Appropriate House“ level requires a more comprehensive implementation.
For the 455-B grant, KfW has not accepted new applications since 31 July 2026. If the programme reopens, the application must be submitted before the project begins via the KfW grant portal public.kfw.de. The project begins with the conclusion of the supply or service contract; planning and consultation do not count as the start. After approval, identification is carried out via video or PostIdent, implementation with a specialist company, uploading of invoices and payment. The KfW loan 159, on the other hand, is applied for through your house bank.
Yes, but with a clear separation. Under § 35a EStG, 20% of pure labour costs can be deducted (calculation basis max. €6,000 per year, resulting in a maximum reduction of €1,200). According to the government draft of 2 September 2026, from 2027 it will only be 15% and a maximum of €900. Important: As soon as a KfW grant, KfW loan or care fund grant is received for a measure, the entire measure is excluded from the tax bonus, not just the subsidised portion. Only parts of the measure that are on a separate invoice and are not publicly funded remain deductible. In the case of care needs, § 33 EStG as an extraordinary burden also applies, and the care level notice is sufficient as proof.
The health insurance does not pay for structural alterations, but for aids such as bath lifts, shower seats and mobile grab rails. A doctor’s prescription is required. The personal contribution is 10% per aid, at least €5 and at most €10. Permanently fixed grab rails, on the other hand, are covered by the care fund.
We offer you free advice on funding options and prepare the cost estimate so that it fits the application for the care fund. You apply for the KfW loan 159 through your bank; our offer serves as proof of the planned measures. The decision on funding is always made by the respective authority.
No. KfW, the care fund, and German tax regulations apply only in Germany. In Austria, the federal states support barrier-free renovations, for example, the City of Vienna with up to €7,500. More information can be found in the guide. Funding for bathroom renovation in Vienna.
Retrofitting instead of buying new: safe entry, installed in 1 day.
Application, requirements, and which conversions are covered by the care fund.
In 2026 still 20 percent of labour costs, with calculator.
„On the recommendation of a friend, we got in touch with bazuba Rostock for our bathroom renovation. Since it’s a rental apartment, there were quite a few things to consider with the landlord/owner’s approval, but we were able to implement many individual wishes at our own expense. The initial contact was very pleasant, and first, an assessment was made, and of course, the initial ideas and wishes for the project were recorded. The basic task was to transform the over 20-year-old tiled bathroom with an old bathtub into a modern seamless bathroom with a walk-in rain shower. The company’s showroom had quite a few displays, where we could get our first personal impressions. Then we put together the rest from the catalogs, and we also relied on the advice and recommendations of the boss there, who contributed some great ideas. Then we received an offer with a 3D visualization of the finished bathroom. This allowed us to work very well together with the owner and bazuba on the details and arrive at a final result. The correspondence between bazuba and the owner also went very smoothly, and we were very well informed about delivery times, construction times, and the entire process up to the finished bathroom. We helped set up the construction site by covering the floor and cabinets, and the company’s employees were very friendly and informative about the work steps. We hardly had to ask anything because every morning we were informed about what would happen that day until quitting time. The announced construction time was even undercut by 2 days because everything really fit together, and the trades worked hand in hand. The handover and the finished result, including explanations of all the components, care instructions, and warranties, worked wonderfully and were presented to us very transparently. All in all, we are very satisfied with the result, and for the small space available, it almost feels like being in a good hotel when you step into the shower in the morning 😉 I can definitely recommend bazuba Rostock and am happy to show some before-and-after pictures. It’s not decorated or furnished yet, but it’s about the raw result."
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„Complete renovation of bathroom and WC — After weeks of searching online for a company that could take on our project (complete renovation of bathroom and WC), we came across bazuba. Although all customer reviews pointed to an outstanding company, we still felt the need to visit the company location in Guntramsdorf in person first. But from that moment on, it was clear to us that only this company was suitable for our project. The exceptionally warm, competent, polite, friendly, and patient team immediately convinced us. From then on, everything went very quickly. We arranged an inspection appointment with Mr. Weninger. The inspection, consultation, measuring, and addressing special requests all took place in a very friendly and relaxed atmosphere. The gentleman was very patient and really took a lot of time for us, only leaving once even the smallest detail was clarified. After the very detailed offer and placing the order, the renovation work began punctually on the agreed date. From here on, I have to keep it short, otherwise I would need two more pages. ALL involved, whether subcontractors or the truly outstanding bazuba specialists, carried out their tasks so competently, punctually, cleanly, almost dust-free, quickly, friendly, politely, courteously, professionally, precisely, and expertly that words almost fail me. The continuous support and (after)care of my project are also worth highlighting. After completing the very extensive work, I now have two real gems (bathroom and WC), and I find myself spending much more time there than really necessary. The conclusion of a highly satisfied and enthusiastic customer: the best 10-star company I have ever dealt with. I have recommended and will always recommend bazuba."
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„Everything just fits perfectly! :o) — We had our roughly 50-year-old bathroom and the equally old toilet renovated by bazuba, and also had the shower in the second bathroom modernized. From the very first (phone) contact, we had a good feeling. Bathroom planner Raffael came to our home and went through the various measures with us, advising us well and being very patient. We were also able to discuss the price well with him, and in the end, he made us an offer that we were very happy with. We had also obtained quotes from competitors, which were significantly more expensive — we’re talking +50% and more. The implementation then went perfectly. First came the dismantling team, then the electricians, the plasterers/floor layers, and finally the assembly team. Overall, the work took almost three weeks, but that was agreed upon in advance and was therefore fine. All workers always arrived as scheduled, were very friendly, explained a lot to us, and did a great job. We were also very grateful that they pointed out some possible/necessary improvements to us. Spontaneous change requests on our part were received and implemented kindly. At the same time, planner Raffael and project manager Anel were always reachable for us and responded quickly to our questions. The result speaks for itself: from old-fashioned, dark rooms with very worn installations, we now have friendly, modern wet rooms that you enjoy entering again. The planning concept was implemented 100% in reality and at what we believe is a really fair price. No hassle with the craftsmen, quite the opposite — it was a pleasure, and we can warmly recommend the entire bazuba team."
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„Everything just fits perfectly! :o) We had bazuba renovate our roughly 50-year-old bathroom and the equally old toilet, and also modernize the shower in the second bathroom. From the very first (phone) contact, we had a good feeling. Bathroom planner Raffael came to our home and went through the various steps with us, giving us good advice and showing a lot of patience. We were also able to talk openly about the price, and in the end he gave us an offer we were very happy with. We had also gotten quotes from competitors, which were noticeably more expensive—we’re talking +50% or more. The implementation then went perfectly. First came the demolition team, then the electricians, the plasterers/floor layers, and finally the installation team. Overall, the work took almost three weeks, but that was agreed on beforehand and so was fine. All the workers always arrived as scheduled, were very friendly, explained a lot to us, and did a great job. We were also very grateful that they pointed out some possible/necessary improvements. Our spontaneous change requests were welcomed and carried out. At the same time, planner Raffael and project manager Anel were always reachable and responded quickly to our questions. The result speaks for itself: from old-fashioned, dark rooms with very worn installations, we now have bright, modern wet rooms that you enjoy entering again. The planning concept was implemented 100% in reality and at what we think is a really fair price. No trouble with the craftsmen at all—in fact, it was a pleasure, and we can warmly recommend the entire bazuba team."
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„Due to water damage in 2023 and subsequent repair work by a specialist company, we were then looking for a company to get our bathroom back in shape. This turned out to be not so easy; local companies either declined due to lack of time or didn’t show up despite appointments. Through internet research, we came across bazuba in Karlsruhe. We quickly had a first appointment with Mr. Glutsch. He arrived on time at our place, listened to our ideas about remodeling the bathroom, and shared his professional knowledge and comments. He took measurements, made notes, and promised to prepare an offer, which arrived in the shortest time. Due to several work appointments with bazuba, he already told us in advance that the work would be delayed and we should expect a date in March/April. But that didn’t matter to us in the end, since thanks to the preliminary work of the renovation company, we could still use our 30-year-old bathroom. When choosing the ceramics and the walk-in shower, we were with Mr. Glutsch at C.Ufer in KA (top advice!). In April, the work started on our partially renovated bathroom. After about 2 weeks, we could fully use our new bathroom; for the shower enclosure, we had to make do with a temporary solution, which was replaced after 5 weeks by a glass partition from Kermi. All in all, we were very impressed by the support and advice from bazuba (special thanks to Mr. Glutsch). A big compliment to the two skilled workers responsible for the work!! Without a doubt, 5 stars for bazuba."
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„Good decision! — We chose BAZUBA because of a report on an online portal... and we have no regrets! Our wishes were discussed and planned in the showroom with an incredible amount of patience. Even changes and special requests before the renovation started were implemented quickly and easily. The entire construction team also deserves mention – everyone was without exception polite and friendly. I especially want to mention Mr. Robert, who brightened every one of our site visits with his good mood. In hindsight, we can now list the following reasons why we recommend BAZUBA to everyone: 1.) The price – All other quotes were about 25% higher than BAZUBA’s. 2.) The team – As already mentioned, patience and friendliness are top priorities here. 3.) The planning – None of our wishes were considered impossible. Even special requests were gladly fulfilled. 4.) The working time – A conventional renovation would have taken at least 4 weeks and the whole house would have been dusty. BAZUBA finished on schedule in 2 weeks. 5.) The quality – Nothing wobbles, nothing is scratched. The bathtub looks like new. The walls are flawless. Every joint fits perfectly. 6.) The look – We chose a seamless bathroom. Compared to tiles, our bathroom now feels much friendlier and warmer. 7.) The warranty! All in all, we are satisfied customers and would have our bathroom renovated by BAZUBA again anytime."
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„Perfect! Absolutely recommend. — Tub out and shower in! From start to finish, we can only give the highest praise. The consultant, Mr. Raffael Weninger, gave us excellent advice at home. He took our needs into account and came up with a perfect plan for us with his great ideas. The craftsmen also deserve the highest praise. They were extremely careful to avoid dust and dirt, which is not easy with this kind of work. The first two days, two careful installers took on their responsible tasks. After all, all newly laid water pipes and drains have to be completely sealed. The third and fourth days belonged to the quick gentlemen Jànos and Gàbor, who were able to complete this partial renovation on time — without taking a break! It must be said that all "our" four craftsmen are extremely friendly and hardworking. Otherwise, our project would not have been completed perfectly in this relatively short time. On the third day, the company owner visited us, checked on the progress, and asked about our satisfaction so far. That builds trust. Now we enjoy our new shower pleasure every day! We gladly recommend this company with its great employees. Warm regards! Christian & Sylvia Karner"
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We will inspect your bathroom and prepare a detailed quotation by item, as required by the care fund and your bank for the application. Prefer to call? Germany 0800 90 44 2000, Austria 0800 66 55 36, both free of charge.
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