Free tools
Calculators for your money.
No account needed. Each tool says what happens to what you type: most run entirely in your browser, the transfer-cost calculator asks our server only for the ECB rate on your date, and the tools that calculate on our server (the Indian income checker, the German filing check and pension refund check, and the NRI tools) send your answers there once to work out the result and don't store them. Each tool shows its formula or its rules so you can check them.
For Indians in Germany
- Indian income in your German tax returnNRO, NRE and FCNR interest, dividends, funds or rent in India: which German forms they generally belong in, and why.
- Do I have to file a German tax return?A few yes-or-no questions about your year: which reasons in § 46 EStG for filing a return your answers point to, each with its source.
- German pension refund: conditions to checkLeaving Germany or back in India: which conditions for a refund of your German pension contributions your answers meet, and which are still open.
- Document checklist for your German returnSix yes-or-no questions, one printable list: the papers from Germany and India your return draws on, and where each one comes from.
- Anlage map: Indian income in the German formsPick your kinds of Indian income and see which German form and section each generally goes in, with the German headings in English.
For NRIs
- Residential status: which tests apply to youWhich residence tests of India's Income-tax Act apply to you, what each one reads from your answers, and the official source for its thresholds.
- NRI TDS refund: your claim checklistHow tax deducted in India comes back when you file a return: the checklist, how each income item is treated, and whether a treaty rate may apply.
- ITR form: the conditions that decide it (NRI)The conditions that decide your Indian return form, with their sources, and the AIS and Form 26AS list of what to gather first.
- Selling property in India: TDS and your gainYour gain from your own numbers, the rules that decide the buyer's TDS, and the refund and lower-deduction routes.
Money basics
- Money Health CheckFive questions, two minutes: emergency cover, savings rate, debt, housing, FIRE and your euro–rupee mix.
- FIRE and Coast FIRE calculatorYour FIRE number, your Coast FIRE number, and the years to get there.
- Transfer cost, EUR ⇄ INRCompare the rate you got with the ECB reference rate and see the real cost.
- Emergency fund and savings rateHow many months you're covered, and how long to close the gap.
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