wealthscan.de

Where a typical German salary goes

Eight slices — and ≈€7,000/yr quietly unclaimed across them.

25%claim €1–3k/yr via smart investmentsTax & AV/PV9%claim min €500/yr · more if you have kidsPension7%claim €150–500/yr by switching providersHealth GKV20%own or rent out · rates from 1.5%Housing5%save ~€500 / yrInsurance9%earn up to 15% / yr with smart investmentsSave & Invest5%optimise termsLoans20%claim employer match & many moreLifestyle & goalsCLAIM WHAT ISRIGHTFULLY YOURS≈€7,000/yr0/7 MODULES DONE

Eight modules · open any one to learn how to keep more

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01€480 / yr

Employer Benefits

VWL + bAV match — two employer contributions most expats never claim

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02Locked

Insurance

≈ €500/yr quietly overpaid on cover you already have

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03Locked

Tax & Social

€1,000–3,000/yr in legal levers most expats miss

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04Locked

Health Insurance

Public vs private — which side of the threshold are you on?

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05Locked

Savings

Emergency fund, liquid reserves, and when to step up

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06Locked

Pensions

What to expect — and the catch if you ever leave Germany

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07Locked

Investments

Keep more of what your money earns, and dodge the tax traps

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08Locked

Real Estate & Leaving Germany

Buy vs rent, exit tax, and the expat end-game

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