🇩🇪 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 Income | Estimated Tax | Effective Rate |
|---|---|---|
| $50,000 | $13,188 | 26.4% |
| $100,000 | $26,375 | 26.4% |
| $200,000 | $52,750 | 26.4% |
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
- PwC — Germany Individual Taxesaccessed 2026-04-09
Top Cities in Germany
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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.