Buy in Germany, rent & invest, or invest in India?

The most expensive decision most Desis in Germany make — and the one with the least good free advice. Model all three paths over 10 years, with your numbers.

📊 Your numbers

Monthly net salary (€)

Current monthly rent (€)

Property price if buying (€)

Down payment you have (€)

Monthly savings capacity (€)

EUR/INR rate (for India comparison)

🔧 Assumptions (adjust if you know better)

German property appreciation (%/yr)

German ETF/investment return (%/yr)

India property appreciation (%/yr)

India investment return (%/yr)

Mortgage interest rate (%)

Buying costs in Germany = ~10–12% on top of price (Grunderwerbsteuer, notary, agent). We include this automatically.

After 10 years — best path

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📈 Year-by-year net worth

🔍 Detailed breakdown

ℹ️ This model is for orientation, not financial advice. Real outcomes depend on your specific mortgage terms, actual property appreciation, tax treatment of investments, EUR/INR exchange rate over 10 years, and whether you stay in Germany. Key simplifications: buying model uses a 25-year annuity mortgage; investment model assumes consistent monthly contributions; India model uses current exchange rate (which may move significantly). For large decisions, consult a Steuerberater and a financial advisor who understands both Indian and German assets.