23/09/2026
🇮🇳🇩🇪 NRI Series – Part 1: SALARY 💰
🚨 READ THIS BEFORE YOU MOVE TO GERMANY!
“€65,000 salary in Germany? I can move there, work for a few years, build up my savings, and later decide whether I want to stay in Germany or return to India with my savings.” 🇮🇳🇩🇪💰
For many people, earning more than in India is one reason to move to Germany.
But wait. 😅
€65,000 is your GROSS salary — not what reaches your bank account.
⚠️ Before moving, check how much you could actually receive NET.
👉 Gross-to-net calculator:
https://www.finanztip.de/brutto-netto-rechner/
You can enter:
💰 Gross salary
🏷️ Tax class
💍 Marital status
👶 Children
📍 Federal state
⛪ Church tax
What is Church Tax? ⛪
Church tax depends on your federal state. It is generally 8% or 9% of your income tax — NOT 8–9% of your €65,000 gross salary.
If you’re not a member of a religious community that collects church tax, select “Kirchensteuerpflichtig: Nein” in the calculator.
Then comes the second calculation: your living costs — which also depend on your lifestyle.
👤 Alone or with family?
🏠 WG room or your own apartment?
💶 How much is your rent?
🛒 Food
🚗 Car & fuel
📄 Insurance
Don’t compare salaries only in euros or rupees.
Compare how much you can actually save after your expenses.
You can’t simply say:
“With €65,000, I’ll save €X every month.”
Your actual savings depend on your personal situation, lifestyle, and cost of living.
💡 Finanztip is also useful for learning about taxes, insurance and personal finance in Germany.
Higher salary ≠ automatically high savings.
💬 Comment “ALONE” or “FAMILY” — I’ll show the €65K calculation in the next Reel. 👇
🇮🇳🇩🇪 Follow for Part 2 of the NRI Series!