First: What is the average income of an apprentice?
It typically ranges between €850–€1,200 per month (gross), depending on the sector and training year.
After social contributions and taxes, the take-home pay is usually €650–€950 net.
Second: A sample monthly budget for an apprentice living alone
| Item | Approx. amount (€) |
|---|---|
| Rent + utilities (shared flat / WG) | 300–450 |
| Food | 150–200 |
| Transport (49-euro ticket) | 49 |
| Phone & internet | 20–30 |
| Clothing & maintenance | 30–50 |
| Entertainment & subscriptions | 30–60 |
| Savings | 30–50 |
| Estimated total | 610–850 |
Tip: If you live with family, you can save more and increase your savings amount.
Third: Smart saving tips
Open a savings account (Sparkonto)
Set aside a fixed amount every month—even if it’s only €20.
Ideally, enable an automatic transfer on payday.
Use budgeting apps
Such as Finanzguru, Outbank, or Monefy.
They help track spending and structure budgets automatically.
Take advantage of apprentice discounts
Discount options like:
Azubi-Ticket for transport (if available)
ISIC card for student discounts
Discounts at gyms, bookstores, and shops
Buy second-hand
Platforms like Kleinanzeigen or Vinted for household items, electronics, and clothes.
Avoid debt and consumer loans
Don’t rely on consumer credit.
If necessary, consider support programs such as Berufsausbildungsbeihilfe (BAB) and Wohngeld.
Fourth: Tools that help you stay consistent
| Tool | Benefit |
|---|---|
| Daily expense list | Better financial awareness |
| Envelope system / separated cash wallets | A dedicated budget for each purpose |
| Monthly spending calendar | Avoid surprises and cash shortages |
| 50/30/20 rule | 50% needs – 30% wants – 20% savings/debt |
Summary
Keep a clear, written budget.
Avoid unnecessary shopping temptations.
Invest time in simple financial skills.
Try to save even from a small income—because habits matter more than the amount.
Note: The editorial team strives to provide accurate information through extensive research and multiple sources. However, errors may occur or some information may be uncertain. Please treat the content as initial guidance and consult the relevant authorities for confirmed information.
