Understanding wealth building in Germany
A savings account alone may not keep pace with inflation. Here's an overview of investment approaches available in Germany — from ETFs to property.
Example: €500/month at 7% for 30 years
You invest
€180,000
It becomes
€585,000
Compound interest does the heavy lifting. Time is your biggest advantage.
Your Goal
What's your wealth building goal?
Pick the one that fits your situation.
Wealth Projection Calculator
See what your savings become
Adjust the sliders to see how much your monthly investment could grow over time.
222.000 €
Total invested
1.048.272 €
Portfolio value
-153.042 €
Est. tax on gains
895.230 €
After tax
How property investing builds wealth over time and saves you taxes
With financing, rental income covers the mortgage while you build equity. Combined with tax deductions and appreciation, property is one approach to long-term wealth building worth understanding.
See the numbers for yourself
Don't take our word for it.
Kristine
Australia
building wealth without using my own capital
Ruwen Bussinger
Germany
focused on what actually mattered
Marieke Neleman
Netherlands
clarity and confidence about growing my wealth
FAQs
A good starting point is 15–20% of your net income, after building a 3–6 month emergency fund. Even €200/month invested at 7% becomes €240,000+ over 30 years.
For most people, a globally diversified ETF portfolio (like MSCI World or FTSE All-World) is the simplest and most effective starting point. Property adds leverage and tax benefits on top.
Capital gains are taxed at a flat 26.375% (Abgeltungssteuer + Soli). There's a €1,000 annual exemption (Sparerpauschbetrag). ETF accumulating funds defer taxation until you sell.
Statistically, lump sum investing beats dollar-cost averaging ~67% of the time. But monthly investing reduces regret risk and is easier psychologically. Both work.
Property adds leverage (you invest €0–50k but control €250k+ in assets), tax benefits (depreciation offsets income tax), and inflation protection. Combined with ETFs, it creates a powerful wealth-building engine.
All calculators are free. Advisory services start at €99/month with transparent flat fees — no commissions, no product sales. We never earn from what we suggest.
Want to explore your options?
Our team can walk you through your situation and the investment approaches available to you.