The reality of financial life in Germany
“40% of your salary disappears before you see it. Most of it is recoverable. Almost no one does.”
€1,000
The average tax refund for employed workers in Germany. Most expats never file because nobody told them they could.
Irreversible
Switching from private to public health insurance after age 55 is nearly impossible. Most people make this decision in week one, with no advice.
9.3%
Of every gross paycheck goes into German pension. Non-EU citizens leaving before 5 years can claim it all back — but the refund is not automatic.
1 month
The response window on a Finanzamt letter. Miss it and the assessment becomes legally final.
€1,000
Irreversible
9.3%
1 month
This is what Arjun navigates for you.
Every financial need,
one trusted advisor.
Insurance Protection
Full coverage for your life in Germany — mapped to what you actually need.
Tax Filing & Optimisation
Most expats leave money behind every year. Deductions for family support, home office, and more.
Pension & Investment Plans
Pension planning that works whether you stay in Germany or leave one day.
Just arrived in Germany
Been here a few years
Supporting family back home
Planning to leave one day
Just arrived in Germany
Bank account, insurance, SCHUFA — let's sort the foundation before anything else.
Been here a few years
You're earning well. The question is whether you're keeping enough of it.
Supporting family back home
There's a tax deduction worth up to €12,348 that most expats in Germany never claim.
Planning to leave one day
Your pension, investments, and tax position all need to know about that plan.
“I've had a great experience working with Arjun as my financial consultant. He is very approachable and takes the time to understand personal investment requirements. His plans are tailored and practical, and he proactively follows up on meaningful opportunities.”
Sayali
DE · Nov 20, 2025
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Your finances. Ingood hands.
Book a free 30-minute call. No preparation, no obligation — just an honest conversation about your finances in Germany.