tax-save

Our average client receives €5,000 to €10,000 in additional tax refunds each year – while growing their wealth. Here’s how.

Most expats overpay without knowing it. We help you invest smartly, legally reduce your tax burden, and build long-term wealth – with clear guidance and a personalized strategy.

Book Your Free Consultation

It’s free. We review your current situation and show you how much tax you could legally get back – with zero risk and no obligation.

4.9 of 5 (147 Reviews)

What Our Clients Say

"The free consulting is pressure-free and will save you money – 100% guaranteed."

Book your free strategy session now.

Let’s take a look at your current situation in a 1-on-1 session and create a hands-on, step-by-step plan to help you make smarter real estate investment decisions – with clarity, confidence, and almost at the push of a button.

Claim your free strategy call.

Built with our clients: €5,000 – €10,000 in annual tax savings.

Proven experience with over 10,000 clients across Germany.

€375,000 real estate investment (without a single euro invested) and €8,950.50 in annual tax refunds.

Meet Patrick. He invested in a property in Germany with basically €0 of his own capital, which generates passive income of €326,67 monthly from the second year of ownership and reduces his taxes.

Patrick Bashala

Assistant Vice President | Multi Asset Trader

€6,817 in annual tax refunds and a €260,421 property that generates passive income.

Meet Naseef. He will receive an annual tax refund of €6,817, bought a property without using his own capital, and now earns passive cashflow thanks to his tax return.

Naseef Mahmud

Staff Engineer

"My portfolio is on the rise."

Meet Jide Famuyiwa. He started investing with us 2.5 years ago. Since then, his portfolio generate more than 11.62% profit per year, while he saves more than €3,000 in taxes every year.

Jide Famuyiwa

Senior Product Manager

"I'm really looking forward to the next piece of real estate."

Meet Pranjal Roy. He saves €2,016 in taxes annually while his investment portfolio yields 11.47% per year. With a clear plan in place, he’s now preparing to invest more in real estate to accelerate his path to long-term wealth.

Pranjal Roy

Software Engineer

"I was able to make tax savings."

Meet Bhuvin. He reduced his personal income tax by over €5,000 per year and has already purchased his second investment property in Berlin with our help — all as part of his long-term wealth-building strategy.

Bhuvin Bharat Thakker

Engineering Manager

Tax savings of more than €10,000 annually.

Meet Evin Hughes. He always wanted to invest in real estate in Germany, but the complex process and tax system held him back. With our help, he purchased two properties within a few months — and thanks to a smart, tax-optimized investment strategy, he's now saving over €10,000 in taxes every year.

Evin Hughes

Management Consultant

Now is the time to act – don’t miss out on six figures.

Germany offers powerful tax advantages for expats — through both ETF-based investment plans and tax-efficient real estate strategies.

With the right approach, our clients save over €100,000 in taxes during their time in Germany — money that would otherwise be lost forever. It takes surprisingly little upfront capital to get started, and in return, you benefit from annual tax refunds, long-term asset growth, and full alignment with your financial goals. But without expert guidance, most expats miss out — unknowingly leaving thousands on the table every single year.

Claim your free strategy call.

4.8 of 5 (1450 Reviews)

Our clients love us – here’s how much they saved and how much wealth they’ve built.

Here are some case studies from clients who used German tax laws to reclaim a significant portion of their paid taxes — while investing strategically and growing their wealth based on their individual tax rate.

€5,320 in yearly tax savings

We increased our annual tax refund by €5,320 through tax-optimized investments in ETFs and real estate. The annual refund is reinvested to accelerate wealth building. At the same time, a stock portfolio and a plan for further property purchases were developed to achieve financial freedom within 15 years.

Ashok - Project Manager, Indian

€10,148 in yearly tax savings

By purchasing two properties and making tax-optimized investments in ETFs, we increased our annual tax refund by €10,148. This financial advantage enables us to build equity much faster, allowing us to purchase one or two apartments each year. New tax benefits will arise and be reinvested, resulting in a large property portfolio while saving taxes in the five-figure range.

Evin - Management Consultant, Irish

€6,375 in yearly tax savings

Implementation of tax-optimized ETF investments for him and his wife. In addition, they purchased their first property. A plan for regular property acquisitions was developed to generate high passive income. The current strategy increases their annual tax refund by €6,375.

Carlos - Software Engineer, Spanish

€5,301 in yearly tax savings

Purchase of first property and tax-optimized ETF investments. Annual tax refund increased by €5,301. A plan for regular property purchases is in place to generate passive income and further boost tax refunds.

Philip - IT professional, Ghanaian

Ready to save taxes while building your wealth?

Investing in Germany is one of the most efficient ways to build long-term wealth — especially through a smart mix of real estate and ETFs.

With 100% financing often possible, you can acquire property with minimal upfront capital. In many cases, rental income covers the monthly payments — and thanks to generous tax advantages, some properties even generate positive cash flow from day one.

Combined with tax-optimized ETF investing, this creates a powerful strategy to grow your wealth while securing your retirement.

Don’t wait — take control of your financial security now.

Tailored, Transparent Solutions

Your goals are unique — so is our strategy. With clear, tailored plans and written guarantees, you can move forward with full confidence.

15 years of experience

With over 15 years of experience, our real estate experts have helped 10,000+ clients navigate the German property market — making smart, tax-optimized investments that build lasting wealth.

Long-Term Support

We’re in it for the long haul — providing ongoing support, quick answers, and the confidence that you’ll never navigate your real estate journey alone.

How We Help You Invest Tax-Efficiently in Germany

We help expats in Germany build wealth while significantly reducing their tax burden. Our holistic strategy combines a tax-optimized, ETF-based pension plan with profitable real estate investments. We take care of the entire process – step by step.

1

We Analyze Your Tax Situation

We begin by assessing your income, tax bracket, and financial goals to uncover your full tax-saving potential. This serves as the foundation for a personalized investment strategy designed to match your situation and maximize returns.

2

We Set Up a Tax-Optimized ETF Investment

We create a government-backed investment plan that invests in low-cost ETFs — fully tailored to your goals. Your contributions are tax-deductible each year, resulting in direct annual tax refunds. From setup and product selection to ongoing management, we take care of everything for you.

3

We Help You Invest in Real Estate – the Smart Way

In parallel, we screen the German real estate market and identify high-potential investment properties.

We assist with every step: due diligence, financing, and purchase.

You benefit from deductible expenses such as mortgage interest, depreciation, and operating costs – and potentially tax-free profits after 10 years.

4

We Combine Both Strategies for Maximum Impact

Our strength lies in the combination: The tax-optimized ETF plan reduces your taxable income, freeing up cash. That tax refund can then be used to build reserves or invest in real estate. You build two powerful pillars of wealth – fully coordinated.

5

We Plan Long-Term and Support You Continuously

We develop a long-term strategy with you — including exit planning, scaling your investments, and adapting as your life evolves. Our clients benefit not only from lower taxes and higher returns, but also from having an expert partner by their side.

In short: More savings. More freedom.

Many of our clients save €5,000 to €10,000 in taxes per year while building assets that provide long-term security and financial independence.

Don’t just listen to what we say.

Check out full-length customer stories.

Trusted by over 10,000 clients across Germany.

€375,000 real estate investment (without a single euro invested) and €8,950.50 in annual tax refunds.

Meet Patrick. He invested in a property in Germany with basically €0 of his own capital, which generates passive income of €326,67 monthly from the second year of ownership and reduces his taxes.

"My portfolio is on the rise."

Meet Jide Famuyiwa. He started investing with us 2.5 years ago. Since then, his portfolio generate more than 11.62% profit per year, while he saves more than €3,000 in taxes every year.

"I'm really looking forward to the next piece of real estate."

Meet Pranjal Roy. He saves €2,016 in taxes annually while his investment portfolio yields 11.47% per year. With a clear plan in place, he’s now preparing to invest more in real estate to accelerate his path to long-term wealth.

"I was able to make tax savings."

Meet Bhuvin. He reduced his personal income tax by over €5,000 per year and has already purchased his second investment property in Berlin with our help — all as part of his long-term wealth-building strategy.

€6,817 in annual tax refunds and a €260,421 property that generates passive income.

Meet Naseef. He will receive an annual tax refund of €6,817, bought a property without using his own capital, and now earns passive cashflow thanks to his tax return.

Tax savings of more than €10,000 annually.

Meet Evin Hughes. He always wanted to invest in real estate in Germany, but the complex process and tax system held him back. With our help, he purchased two properties within a few months — and thanks to a smart, tax-optimized investment strategy, he's now saving over €10,000 in taxes every year.

Just 15 minutes — that’s all it takes to understand your goals and where you stand.

In a quick initial call, we’ll get to know your tax situation and investment potential. Then, we’ll schedule a free in-depth session with a specialized advisor who’s perfectly matched to your needs — giving you expert guidance tailored to your goals. 100% free of charge.

Start with a personal intro call

- Dariusch Hosseini

About Us – Your Experts in Tax-Efficient Wealth Building in Germany

Dariusch Hosseini

Dariusch Hosseini is the founder and CEO of Proper API – and his story is closely tied to the expat experience in Germany.

His father was one of the first foreign professionals to move to Germany. But instead of finding financial security, his journey was marked by complexity, missed opportunities, and a lack of clear guidance.

Watching these struggles from an early age, Dariusch learned an important lesson:

Financial success isn’t about luck – it’s about knowledge, strategy, and the right support.

In 2018, Dariusch founded Proper API to give expats in Germany exactly what his family never had: reliable, transparent, and strategic financial guidance, tailored to the unique challenges of international professionals.

Today, he brings 15 years of experience in the finance industry and leads a growing team of over 30 dedicated experts – all working toward one goal:

Helping clients build wealth, reduce taxes, and achieve financial independence – with clarity and confidence.

Why Clients Trust Proper API:

Expat-focused:

We help expats navigate the German financial and tax system — with a deep understanding of the legal, cultural, and financial complexities involved.

No commission-driven advice:

As fully independent advisors, we’re not tied to any real estate providers. Our recommendations are based solely on what best supports your investment goals — not on hidden commissions.

Proven results:

On average, our clients save €5,000 to €10,000 per year in taxes — while building assets that provide stability, flexibility, and long-term financial freedom.

Personal support, wherever you are:

Whether via secure messenger, video call, or in person — your dedicated advisor is always just one message away.

“We know what it means to start over in a new country. That’s why we make sure you don’t just settle in Germany — you thrive here financially.”

– Dariusch Hosseini

Proper Union GmbH – Known from

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