Steuererklärung, DTAA, NRE/NRO accounts, ELSTER, and Steuerberater.
Many residents file an annual German tax return through ELSTER, tax software or a Steuerberater. Deductible categories and deadlines change and depend on individual circumstances; always verify on ELSTER or with a qualified tax advisor.
ELSTER is the official German online tax portal for tax returns and related tax services. Registration, activation and available forms can change; always verify the current process on ELSTER.
A Steuerberater can help with complex tax situations such as DTAA, equity compensation, foreign accounts or self-employment. Fees, deadlines and software options vary; verify directly with the advisor, tax software provider or official tax portal.
The India-Germany Double Taxation Avoidance Agreement (DTAA) prevents you from being taxed twice on the same income. Key points: (1) Salary earned in Germany is taxed only in Germany, (2) Indian rental income: taxed in India, but you get a credit in Germany, (3) RSUs/ESOPs: complex - usually taxed in both, credit applies, (4) NRE account interest: tax-free in India, must be declared in Germany, (5) Capital gains on Indian mutual funds: declare in German return. A Steuerberater who understands DTAA is essential - not all do.
As an NRI (Non-Resident Indian), you must convert your Indian savings accounts to NRE (Non-Resident External) or NRO (Non-Resident Ordinary). NRE: for parking foreign earnings in India - interest is tax-free in India, fully repatriable. NRO: for Indian-sourced income (rent, dividends) - taxed in India, limited repatriation ($1M/year). Notify your Indian bank within a reasonable time of moving abroad. Keep both types for flexibility.
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