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🇩🇪 Retire in Germany

Tax rates, cost of living, special programs, and top cities for international investors and retirees.

Tax system

worldwide

Cheapest city

Düsseldorf ~$2,095/mo

Tax System Overview

Germany taxes investment income at a flat 26.375% (Abgeltungsteuer). Crypto held over 1 year is completely tax-free. No wealth tax. Church tax of 8-9% applies if registered.

  • ✓No wealth tax

What Would You Pay?

Estimated annual tax on different levels of investment income (capital gains + dividends + interest):

Annual Investment IncomeEstimated TaxEffective Rate
$50,000$13,18826.4%
$100,000$26,37526.4%
$200,000$52,75026.4%

Assumes 60% capital gains, 25% dividends, 15% interest. Actual tax depends on your specific income mix.

Sources — Germany tax data

Last verified 2026-04-09

Top Cities in Germany

Düsseldorf

$2,095/month

Stuttgart

$2,245/month

Berlin

$2,286/month

Hamburg

$2,295/month

Frankfurt

$2,495/month

Munich

$2,576/month

Tax Calculator

Compare your tax bill across specific cities in Germany.

Move & Save Simulator

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Tax rates and programs are subject to change. Information is current as of 2026. Always consult a qualified tax professional before making relocation decisions.