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Wealth

Most newcomers only remit money home. This pillar teaches you to build wealth in Germany — how ETFs and a monthly Sparplan work, the German tax reality, and whether renting or buying makes sense — with honest calculators. It educates and equips; it never tells you what to buy.

Financial education — not investment advice. These calculators are illustrative and hypothetical. GermanDost is not a licensed investment adviser and provides no personalized recommendation (Anlageberatung) within the meaning of the German Wertpapierhandelsgesetz (WpHG) or under BaFin supervision. Investing carries risk — your capital is at risk and past performance is not a guarantee of future results. Figures use public rates (e.g. BMF Basiszins, Bundesbank, Deutsche Rentenversicherung) and simplifying assumptions; taxes depend on your situation. We describe how products work and list broad index funds by methodology — we never tell you which specific product to buy. Before investing, opening a Depot, or taking a mortgage, consult a licensed adviser (Steuerberater / Honorar-Anlageberater / Baufinanzierungsberater). Provider links may be affiliate links — see our Terms.

Last updated: 2026-07-01

Learn the basics

How investing works in Germany

ETFs, index funds, Sparplan, compounding — from zero, in plain language.

Open

Halal / Sharia-screened investing

In progress

How screened ETFs work + a 'halal only' track — methodology, not product picks.

Coming soon

Calculators (illustrative)

ETF Sparplan projector

Project a monthly savings plan with the German tax reality (Vorabpauschale, Sparerpauschbetrag).

Open

Capital-gains / Vorabpauschale estimator

Roughly what tax you'd owe on gains — Abgeltungsteuer + Teilfreistellung.

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Rent vs buy

Buying costs ~10–15% on top; when does owning beat renting?

Open

Depot-opening wizard

Which brokers accept your residence permit — Trade Republic vs Scalable vs comdirect (methodology).

Open

Money basics

Salary: brutto → netto

Exactly what lands in your account after tax + social contributions (§32a EStG).

Open

Compare bank accounts

Free Girokonto options that work for newcomers.

Open

Send money home cheaper

Live-rate remittance comparison (EUR → PKR/INR).

Open

Elterngeld calculator

New

Having a baby? Your parental-allowance months and monthly amount — Basis vs Plus, 2026 rules.

Open

Non-EU pension refund

In progress

Leaving before 60 months? You may reclaim your pension contributions.

Coming soon

This hub is growing fast — the cards marked In progress are being built and will light up as they ship. Everything here is educational information, not professional advice.