The only investment planner built for Indians earning in Germany — splits your income, projects 20-year wealth, finds hidden tax savings and explains DTAA rules in plain language.
Drag the sliders to set how you want to split your monthly investable surplus across four buckets. The bar updates in real time.
Buy MSCI World or FTSE All-World on Trade Republic (free trades), Scalable Capital or Flatex. Invest via a Sparplan (monthly automatic buy) from as little as €1/month.
ING, Trade Republic, C24 Bank offer 3–3.75% on overnight savings. Zero risk, instant access. Best for emergency fund and short-term goals (12–24 months).
Up to €604/month paid from gross salary — before tax and social insurance. Saves ~30–42% in taxes immediately. Employer often adds 15–25%. Ask HR today.
Lock money for 6–36 months for a guaranteed rate. Good if you know you'll need a lump sum (e.g. flights home, car). No risk within €100,000 EU deposit guarantee.
Tax-FREE in India. Fully repatriable (bring money back to Germany anytime). SBI, ICICI, HDFC, Axis all offer NRE FDs. Opens online from Germany in 20 minutes.
As an NRI in Germany (not USA/Canada), you CAN invest in Indian mutual funds. Zerodha, Groww, ICICI Direct support NRI accounts. ELSS funds also available.
NRIs can buy residential and commercial property freely. Rental income via NRO account. On sale: 20% TDS deducted — apply for lower TDS certificate to avoid over-deduction.
SGBs pay 2.5% annual interest + gold price appreciation. Capital gains tax-exempt on maturity (8 years). Available through SBI, HDFC, Zerodha. NRIs can hold (not buy new, but buy on exchange).
| Option | Expected return | Risk | Liquidity | Tax (Germany) | Best for |
|---|---|---|---|---|---|
| 🌍 World ETF | 7–10% p.a. | Medium | High (T+2) | 25% + soli on gains (after €1k free) | Long-term wealth |
| 🏦 Tagesgeld | 3–3.75% p.a. | Zero | Instant | 25% + soli (after €1k free) | Emergency fund |
| 💼 bAV | Effective 12–18% | Low-Medium | Very low (age 62) | Tax-FREE contribution | Staying 5+ yrs |
| 🇮🇳 NRE FD | 7.5–8.0% p.a. | Very low | Medium (premature break) | Tax-FREE in India | Stable India savings |
| 📊 NRI Mutual Fund | 11–14% p.a. | High | Medium-High | Declare in Anlage AUS | Long-term India wealth |
| 🏠 Property India | 6–10% incl. rent | Medium | Very low | DTAA credit on TDS | Family use + asset |
India and Germany signed the DTAA in 1996. It means you don't pay tax twice on the same income. Here are the rules that matter most for Desis in Germany:
NRE FD interest is exempt from Indian tax. In Germany, you must declare it under Anlage KAP. After your €1,000 Sparerpauschbetrag, you pay 25% Abgeltungsteuer. Use DTAA Form 10F to prove you're tax-resident in Germany.
Capital gains and dividends from Indian mutual funds must be declared in Germany (Anlage AUS of your Steuererklärung). Any TDS withheld in India can be credited against your German tax — so you only pay the difference, not double.
Indian rental income is taxed in India (30% TDS for NRI). Under DTAA, you declare it in Germany and get credit for Indian tax paid. Effective German rate applies on the net. Keep receipts and TDS certificates.
If you spend less than 182 days in India in a financial year (April–March), you are an NRI for Indian tax purposes. Your German salary is NOT taxed in India. Only India-sourced income (FD interest, rent, capital gains) is taxable there.
Germany taxes worldwide income. If you are tax-resident in Germany (you live here), you must declare ALL income globally — Indian FD interest, dividends, rental income — in your annual Steuererklärung (tax return). Failure can result in back-taxes + interest.
NRE FD interest is tax-free in India. You pay German tax on it, but you already pay German tax on everything anyway. So NRE FDs effectively give you Indian interest rates with only German taxation — no double tax at all.
Every German tax resident gets €1,000/year in investment income completely tax-free (€2,000 for couples). Most Desis never file a Freistellungsauftrag and lose this automatically. Here's your usage:
