Finance in Germany
From mandatory insurances to buying a house or investing in stocks, practical, India-specific financial guides to help you build wealth and stay protected in Germany.
Disclaimer: This page is for general informational purposes only and does not constitute financial, legal, or professional advice. We are not licensed financial advisors. All figures shown are approximate and may change. Always consult a qualified financial advisor and verify with official sources such as bafin.de, bundesfinanzministerium.de, or your local Finanzamt before making any financial decisions.
Finance Guides
Click any guide to read the full details.
Insurance in Germany
Mandatory vs optional insurances, what every Indian resident needs, and an estimated cost calculator based on your salary.
Buying a House
Step-by-step flowchart — from financing and mortgage approval to the Notar, Grunderwerbsteuer, and handing over the keys.
Buying Gold in Germany
Where to buy, VAT exemptions on investment gold, capital gains rules, and what you need to know when carrying gold back to India.
Investing in Stocks
Best brokers for Indian residents, a Sparplan growth calculator, Abgeltungssteuer rules, Freistellungsauftrag, and NRI tax considerations.
Pension & Retirement
The three pillars, the state pension, and the big question for Indians — reclaim your contributions when you leave, or draw a German pension in India?
Tax Reduction Guide
The deductions Indians most often miss — home office, commuting, relocation, double-household — and how to claim a refund for up to 4 past years.
Sending Money to India
Wise vs SWIFT vs the rest, the LRS and 20% TCS rules explained, and how to get the best rate sending money home.
Your Indian Money (NRI)
NRE vs NRO accounts, what happens to your Indian investments and FDs once you are an NRI, and how it is taxed across both countries.
Buying a Car in Germany
New vs used, financing, registration at the Kfz-Zulassungsstelle, and a full breakdown of Haftpflicht, Teilkasko, and Vollkasko insurance.
Quick Finance Facts for Indians in Germany
Insurance, bank account, tax & onboarding help in 7 languages — free, and we earn nothing for suggesting him.