Taxes
Tax filing in Germany — the ultimate return machine
Why your German tax return is one of the highest-return things you can do every year, and how to get every euro back that belongs to you.
Your money finally on your side
As independent financial advisors for the Indian community in Germany, we show you how to keep more of your salary and make the best of it for your future. Free of charge and without sales pressure.
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Your financial start
Six free tools to take control of your finances
Investment Calculator
Project your wealth growth with ETFs and savings plans, including the compounding effect.
Open toolHealth Insurance Calculator
Public or private health insurance? Compare your options and find where you can save.
Open toolFinance Guide
Your easy-to-read wiki for every important financial topic — from inflation to retirement.
Get the guideReal Estate Guide
Everything about real estate as an investment: buying process, financing and returns.
Get the guideFinance Check
10 quick questions to uncover your hidden financial potential. Your status update in 2 minutes.
Start quizTax Report 2026
Discover legal tax advantages and avoid expensive mistakes that cost you real money. Available as a compact downloadable guide.
Get the report
About us
This is India Initiative
We make finance understandable, transparent and, above all, accessible for the Indian community in Germany. What started as a vision to bring light into the jungle of the German financial world has grown into a strong team of experienced advisors.
We firmly believe that financial education is the key to a secure future. That's why we focus on holistic concepts that adapt to your personal situation — between India and Germany.
Meet the teamNumbers that speak for themselves
For years we've been guiding people on their journey to financial freedom.
3,500+
Happy clients
50
Years combined experience
€100M+
Assets under management
4.9 ★
Trustpilot rating
Guides
Your guides to money
Current topics, practical everyday hacks and in-depth expert knowledge.
Real Estate
Buying property in Germany as an investment
How real estate in Germany works as an investment for Indians — financing, taxes, returns and the actual buying process step by step.
Health
Private health insurance guide — explained
When private health insurance actually pays off, who can switch, and the long-term traps most advisors won't tell you about.
Retirement
Build your pension in Germany — even if you retire in India
Why it still makes sense to build up your German pension and subsidised retirement products, even if your plan is to move back to India.
Investing
Invest worldwide from Germany — including India
How to invest globally from a German broker account, what's allowed in Indian markets, and how to combine both worlds tax-efficiently.
Family
Saving for your child — using Kindergeld the smart way
How to turn the monthly Kindergeld into real long-term wealth for your child with the right account and ETF setup.
Insurance
Which insurances you actually need — and which are useless
A clear list of the insurances that truly protect you in Germany, and the ones that just drain money every month.
Your 3-step plan
Finance that finally feels right.
You don't need to be an expert. You just need someone who understands you — and a plan that fits your life.
1
Step 1
Understand your money.
You earn well — but at the end of the month you still ask yourself: where did it all go? Old insurance contracts. A bank account that never moves. The feeling that everyone else is ahead of you.
We start exactly where you are today. No judgement, just clarity. In a personal conversation we analyse your financial situation and opportunities together.
Financial analysisPublic vs private health
Where you stand today
“I know I should take care of it — I just don't know where to start.”
2
Step 2
Keep your money.
Taxes and insurance — the topics that quietly cost you money if you ignore them. Most people pay too much or are insured the wrong way.
We optimise what's already there. You keep more of what you earn — no shady tricks, just a strategy that fits your life.
Tax optimisationProtectionFixed-cost review
What changes
“For the first time, I feel like my money is working for me — not against me.”
3
Step 3
Grow your money.
Now it gets exciting. Your foundation is set — time to build wealth. Whether it's ETF savings plans growing quietly in the background or real estate as the next big step: we show you paths that fit you and weave in the right government incentives.
The result is a strategy you understand, trust, and that makes you step by step more financially independent.
ETF savings plansReal estateSubsidies
Where we take you
“I have a plan — and for the first time I know it actually works.”
Testimonials
What our clients say
Real voices on Trustpilot — updated automatically.
It's this simple
Getting more out of your money has never been easier. Honest, personal and free.
1
Sign up
Sign up for free and answer a few quick questions about your financial situation.
2
Personal analysis
In a personal meeting we create your individual financial plan together.
3
Keep more
Put the recommendations into action and keep more of your hard-earned money.
FAQ
Frequently asked questions
The most important answers at a glance, so you know exactly what to expect.
Who are we?+
India Initiative is a collective of independent financial consultants catering to the financial well-being of Indians based in Germany. As Indians ourselves, we bring to the table exposure (both from India and Germany), curated and tailored advice and synergized solutions from banks, investment organizations and insurance companies. Spread across multiple cities, our presence and expertise has helped hundreds feel integrated and on path to their envisioned financial goals. Our added ability in helping our customers integrate their Indian financial portfolio with that of here makes India Initiative a platform for complete holistic advice.
Where are we located?+
Our offices are in Berlin, Frankfurt, Stuttgart and Munich. But all appointments take place online — so it doesn't matter where you live as a client. You join the meeting comfortably from home over your laptop.
What services do we offer?+
India Initiative is proud to be able to offer all bancassurance services including real estate investments. From your basic insurance needs to securing your own and your kid's futures, our consulting covers a 360-degree perspective of how your finances must align to your goals.
Why choose India Initiative?+
Our team places high value on customer satisfaction. We realize how pivotal it is for expatriates to feel safe financially in a country that's new in regards more than one. Our consultants make sure to empower you with the know-how and walk you through the complete path of understanding the products to implementing and tracking them. Additionally, our extensive partner network and infrastructure from one of the biggest wealth management companies in Germany — DVAG — makes sure you are well taken care of. Book your first free consulting session with us and judge our service for yourself.
How can I get in touch?+
As India Initiative's presence is widespread, getting in touch with any one of our consultants is very easy. Just visit the Contact Us/Locations subsection of our webpage and contact the individual of your choice in your city. You can also book a session with us through an email at info@indiainitiative.de or directly email one of our consultants near your city of residence.
Do I really need personal financial consulting?+
How can you feel the absence of something that's not been experienced yet? Let us take you on a one-to-one session and show you the impact that knowledge and expertise can bring to your financial life. We believe that everyone should handle their own finances, but getting a coach/consultant to guide you towards informed decisions while handling your hard-earned money is also priceless. Your goals could be as direct and simple, or highly complex and over-achieving — our consultants know how to make sure your steps in attaining them are well protected and translate into definite results.