iSFP funding 2026 — what you need to know about the individual renovation roadmap

Updated: May 2026 — the key facts in 60 seconds

The individual renovation roadmap (iSFP) is a BAFA-funded consulting report prepared by an Energy Efficiency Expert (EEE) listed on the dena expert register for federal energy efficiency funding. It forms the strategic basis for any serious renovation: it contains a roadmap with packages of measures, quantifies energy indicators and funding options — and secures the iSFP funding bonus of currently 5 percentage points on BEG individual-measure funding. Valid for 15 years, recommended ahead of any renovation, and in Munich additionally combinable with the [FKG programme](/foerderberatung).

What is the individual renovation roadmap (iSFP)?

The iSFP is a standardised consulting instrument that is partially funded by the Federal Office for Economic Affairs and Export Control (BAFA) within the federal funding programme for energy consulting on residential buildings (EBW, formerly EBN). It replaces the former "on-site consultation" and was deliberately designed to give owners a long-term, step-by-step renovation strategy for their existing building — instead of a single, isolated consultation.

In concrete terms, it is a report of around 10 to 15 pages with standardised visualisations, energy indicators and a renovation roadmap. This roadmap shows in which sequence which measures make sense, which energy-related and economic effects can be expected, and which funding programmes apply.

Important: an iSFP can only be issued by Energy Efficiency Experts who are listed on the dena expert register for federal energy efficiency funding. A different qualification level or an engineering office that is not listed is not allowed to issue an iSFP — otherwise neither the BAFA funding for the report itself nor the subsequent iSFP funding bonus on individual measures is available.

The iSFP is valid for 15 years. During this period, it can be used multiple times as the basis for funding applications under the [BAFA energy consultation](/bafa-energieberatung) and KfW/BAFA measure funding. It is therefore a long-term strategic document that secures a planned modernisation over many years.

Which funding is available for the iSFP itself in 2026?

BAFA partially funds the preparation of an iSFP for residential buildings — meaning a significant share of the consulting fees is currently eligible for funding. We calculate the exact funding rate and the capping logic individually in the initial consultation for your property, because conditions and maximum amounts can change depending on programme logic and building type.

In principle, a distinction is made between single- and two-family houses (EFH/ZFH) on the one hand and multi-family houses (MFH) with three or more residential units on the other. Funding for MFH is regularly higher than for EFH/ZFH because the consulting effort is greater. For MFH, additional fee components for the explanation in an owners’ assembly (WEG meeting) are also taken into account separately.

What has proven useful in our practice: owners should calculate the effective own contribution after deduction of funding, not the gross consulting fees. Experience shows that the actual personal expense after BAFA funding is significantly more manageable than the initial gross figure would suggest — and is usually very favourable in relation to the value you derive from the report for your further renovation planning.

The timing sequence is important: the BAFA application is submitted by the Energy Efficiency Expert before consulting work begins. Retroactive applications are not possible. We review funding options and handle the complete application process for you.

The iSFP bonus: 5% extra on all subsequent measures

This is where the actual strategic lever lies. Anyone who can present a valid iSFP and then implements an individual measure recommended in that iSFP receives a bonus on BEG individual-measure funding of currently 5 percentage points on top of the basic funding rate.

An example to illustrate the magnitude: if the basic funding rate for a heating modernisation under a specific programme item is 35 percent, then with a valid iSFP bonus it rises to 40 percent. For envelope insulation or window replacement the logic is identical — the basic funding rate is topped up by the iSFP bonus. This applies to most individual measures under BEG residential building funding.

Strategically decisive: the iSFP bonus does not work retroactively. Anyone who first applies for the measure and only afterwards has an iSFP prepared comes away empty-handed. The iSFP must already exist and be valid before the application for the subsequent measure is submitted.

In addition, the implemented measure must be listed in the iSFP roadmap as a recommended measure. That sounds self-evident, but it is not — an iSFP that was prepared without the specific measure does not secure the bonus for precisely that measure. This is why it is important that the roadmap is prepared with foresight and realistically covers the plausible modernisation steps of the coming years.

From our practice: the iSFP bonus of 5 percentage points alone often amortises the effective own contribution for the iSFP preparation through a single implemented follow-up measure — for instance a heat pump or comprehensive envelope insulation. From the second follow-up measure onwards, the bonus delivers a pure "funding dividend". This is why we almost always recommend the iSFP for any serious renovation intention.

Who can prepare an iSFP for you?

The mandatory requirement is clearly regulated: only an Energy Efficiency Expert for residential buildings listed on the dena expert register for federal energy efficiency funding may issue an iSFP. Listing there is tied to qualification and continuing-education evidence, is regularly reviewed and is publicly accessible.

In practice, this means: before any engagement, you can check whether an advisor is actually listed on the dena expert register for federal energy efficiency funding. Otherwise BAFA funding of the iSFP preparation is not available and the iSFP bonus on follow-up measures also falls away. This is precisely why non-listed providers — however attractive their fees may be — are not a real option for a funded renovation strategy.

Marc Strassner, managing director of enbe, is listed on the dena expert register for federal energy efficiency funding. With its two offices in Grünwald (south of Munich) and Utting am Ammersee, enbe covers both the greater Munich area and the Five Lakes region (Fünfseenland) as well as all of Upper Bavaria (Oberbayern). We consistently work on site, not purely digitally — particularly with existing buildings, detail points such as thermal bridges, connection details or moisture issues can only be assessed precisely through a careful inspection.

Process: how does an iSFP come about?

A typical iSFP project is divided into five steps, the sequence of which is decisive:

Step 1 — Initial consultation (around 30 minutes). We clarify your renovation goal, the building, the ownership situation, any preliminary work and the funding situation. Often levers already emerge here that later feed into the strategy — for instance a planned heating renewal that should be brought forward in time, or an insulation measure whose sequence can be optimised. The initial consultation is free of charge.

Step 2 — BAFA application by the advisor. We submit the application for funding of the iSFP preparation to BAFA. The confirmation period is currently typically one to two weeks. Only after the application confirmation has been received do the actual consulting services begin — important in order to comply with the funding requirements.

Step 3 — Data collection and on-site appointment. We need existing documentation (plans, earlier energy performance certificates, heating cost statements, renovation history). During the on-site appointment we record the building in detail: geometry, components, connections, building services, ventilation situation, moisture indicators. For a single-family house, count on three to four hours of on-site effort; for larger MFH correspondingly more.

Step 4 — Report preparation. We transfer the inventory into an energy balance model, develop renovation variants and calculate energy-saving potential and funding options. Preparation typically takes two to three weeks.

Step 5 — Handover meeting. We go through the finished report with you over 60 to 90 minutes, explain the roadmap logic, answer detailed questions and discuss the next concrete steps. Afterwards we take over, on request, the [funding strategy](/foerderberatung) and the support of the first measures.

What does the iSFP report contain?

The iSFP follows a standardised report structure that is structured in accordance with BAFA requirements. In terms of content, it contains:

• Inventory with a detailed description of the building geometry, the components (external wall, roof, windows, basement), the building services (heat generation, heat distribution, domestic hot water preparation, ventilation) and the renovation measures carried out so far.
• Energy indicators of the current state: final energy demand, primary energy demand, CO2 emissions, classification into an energy efficiency class (comparable with the [energy performance certificate](/energieausweis)).
• Renovation roadmap with packages of measures — typically three to seven packages, in a sequence that takes economic efficiency, technical dependencies and funding logic into account.
• Cost frame for each package of measures. These cost frames are descriptive and are based on experience-based indicators — not on binding offers.
• Funding lists per package of measures: BEG individual measures, BEG efficiency house refurbishment, KfW supplementary loans, where applicable tax alternatives and municipal programmes such as [FKG Munich](/foerderberatung).
• Economic viability sketch for orientation — amortisation ranges are typically given based on experience, but without guarantees.
• Energy efficiency class forecast after implementation of the roadmap.
• Building file and schedule roadmap for the coming years.

Important: the iSFP provides a well-founded order of magnitude — but it does not replace the concrete renovation quote from a craft business. Experience shows that the packages of measures recommended in the iSFP lead to a significant reduction in final energy demand and CO2 emissions; the exact magnitude depends on the property.

Is the iSFP worth it — an honest assessment

We get this question in almost every initial consultation and answer it deliberately in a differentiated way.

It is particularly worthwhile for:

• Owners with concrete renovation intentions over the next 0 to 15 years. Here the iSFP is almost always economically advantageous — the iSFP bonus of 5 percentage points usually recovers the consulting costs quickly.
• Landlords and investors for whom ESG reporting, arguments for rent increases under § 559 BGB or third-party usability (sale, lending) are relevant.
• Homeowner associations (WEG), because the iSFP creates a factual, neutral basis for discussion in the members’ meeting and facilitates consensus-building.
• Buyers in an advanced negotiation phase, although in this case a pre-purchase consultation is usually the more suitable entry point because it is available more quickly than a complete iSFP.

It is less worthwhile for:

• Owners without any renovation intention over the next 15 years. Here the iSFP bonus effect lapses for lack of implementation — the pure consulting value may be interesting but is more expensive than necessary.
• Owners of a new build where the energy efficiency class is already high and no significant envelope or systems modernisations are pending.

For all other constellations, the iSFP is almost always a highly economical instrument — and above all the strategic foundation that distinguishes a planned renovation from piecemeal modernisation.

What is specifically relevant in Munich and Upper Bavaria

In our area of activity — Munich, the Five Lakes region (Fünfseenland) and Upper Bavaria (Oberbayern) — there are three regional particularities that must be taken into account in the iSFP strategy:

First, FKG Munich. Anyone refurbishing in the city of Munich can use the municipal "Climate-Neutral Buildings" funding programme in addition to BEG federal funding. The iSFP becomes even more valuable as a result, because it serves as the basis for a combined FKG-BEG strategy. Details on this are in our separate guide article and in the [funding strategy](/foerderberatung).

Second, water protection areas in the Five Lakes region. Geothermal heat pumps are subject to conditions or even approval procedures in many areas around Lake Ammer, Lake Wörth and Lake Pilsen. The iSFP takes these conditions into account and accordingly proposes air-to-water heat pumps or hybrid solutions where geothermal probes are not an option.

Third, listed buildings in the city of Munich. In parts of Schwabing, Lehel, Haidhausen and the old town, many existing buildings are listed or relevant under conservation ordinances. Different minimum requirements for thermal protection apply here, as do separate funding programmes — such as the federal funding for listed residential buildings (KfW Efficiency House Monument). In these cases, the iSFP is coordinated with the monument protection authority.

With its offices in Grünwald and Utting, enbe covers Munich-South, the Five Lakes region and all of Upper Bavaria. We know the regional building styles, approval procedures and funding landscape on the ground.

FAQ in brief

What does an iSFP cost after BAFA funding has been deducted? The effective own contribution depends on the building type. We calculate the current funding rate for your property in the initial consultation and give you a binding gross value plus the expected BAFA reimbursement.

How long is an iSFP valid? 15 years from the date of issue. During this period it can be used as a funding basis for follow-up measures.

Do I absolutely need the iSFP for KfW funding? No, the iSFP is not mandatory for every KfW or BAFA funding. But it secures the iSFP bonus of currently 5 percentage points on BEG individual measures — and is a prerequisite for a sensible, well-founded renovation strategy.

Can I combine the iSFP with FKG Munich? Yes, the iSFP is neutral with regard to the subsequent funding routes. An FKG application is possible in parallel with BEG funding, provided the requirements are met.

What is the difference between iSFP and energy performance certificate? The [energy performance certificate](/energieausweis) is a statutory mandatory document for sale or new letting and primarily presents the energetic state in a simplified way. The [iSFP](/sanierungsfahrplan), by contrast, is a strategic consulting document with a renovation roadmap — it is significantly more extensive and contains recommendations for action, funding logic and economic considerations.

Next step

Book a free 20-minute initial consultation via the [contact page](/kontakt). We check funding eligibility, arrange an on-site appointment within two to four weeks and usually deliver the iSFP report six to eight weeks after the appointment. With the completed iSFP, you have the strategic foundation for any renovation decision over the next 15 years.