# milinia

> Businesses are listed in the member.show directory, and every title of the house is indexed at the onlinemedia.network

milinia is the magazine for money, life and investments in Germany and Europe: saving, salary, taxes, property, gold, loans, insurance, investing, ETFs, pensions, subsidies, family, cars, travel and self-employment.

## Company
- Website: https://milinia.com/
- Industry: Money & Saving, Salary in Germany, Taxes in Germany, Property in Germany, Precious metals and gold investing, Loans and financing
- Languages: en, de, es
- E-mail: info@milinia.com
- Phone: +49 1577 5588888
- Responsible: NexTao GmbH, Düsseldorf

## Pages
- [Money & Saving: emergency fund, budgeting, savings rate](https://milinia.com/money-saving/): How big an emergency fund makes sense, which savings rate is realistic, how a household budget works without frustration and what inflation does to your savings.
- [Salary in Germany: gross, net, negotiation, tax class](https://milinia.com/salary/): What is left of your gross pay, how to prepare a salary negotiation and which German tax class suits you.
- [Taxes in Germany: tax return, expenses, capital gains, deadlines](https://milinia.com/taxes/): The German tax return without fear: which work expenses count, how capital gains are taxed and which deadlines apply.
- [Property in Germany: buying, closing costs, rental yield, selling](https://milinia.com/property/): Buy or rent in 2026, what closing costs really amount to, what a good rental yield is and how to get the best price when selling.
- [Precious metals and gold investing: bars, coins, storage, selling](https://milinia.com/precious-metals/): Gold as an investment: bars or coins, how the gold price forms, how to store it safely, when silver makes sense and how to sell scrap gold fairly.
- [Loans and financing: comparison, refinancing, mortgages](https://milinia.com/loans/): How to compare loans, when refinancing saves money and how a German mortgage is structured.
- [Insurance in Germany: what you need and what you don’t](https://milinia.com/insurance/): Occupational disability, liability, contents and the rest: which policies are essential, which are nice and which are superfluous.
- [Investing: diversification, stocks for beginners, investor mistakes, real assets](https://milinia.com/investing/): How a portfolio is built, how beginners start with stocks, which mistakes cost returns and what role real assets play.
- [ETFs and savings accounts: savings plan, interest comparison, MSCI World](https://milinia.com/etf-savings/): How an ETF savings plan works, what instant-access savings pay today and why the MSCI World is recommended so often.
- [Retirement and pensions in Germany: pension gap, Riester, Rürup, private provision](https://milinia.com/retirement/): How big your pension gap is, whether Riester or Rürup still make sense and how private provision works without contracts.
- [Grants and subsidies in Germany: KfW, savings bonuses, parental allowance and more](https://milinia.com/subsidies/): Which state subsidies you are entitled to: KfW loans and grants, housing bonus, employee savings bonus, parental allowance.
- [Family and money: pocket money, children’s portfolio, inheritance](https://milinia.com/family-money/): How much pocket money is appropriate, how to set up a child’s investment account and how an inheritance works without a family feud.
- [Cars and mobility: running costs, lease or buy, classic cars](https://milinia.com/car-mobility/): What a car really costs per month, whether leasing or buying is cheaper and when a classic car becomes an investment.
- [Travel and money: travel budget, cards abroad, moving abroad](https://milinia.com/travel-money/): How to plan your travel budget, which card costs no fees abroad and what to sort out financially before emigrating.
- [Self-employment in Germany: hourly rate, founding, retirement provision](https://milinia.com/self-employment/): How to calculate your hourly rate, what founding a business means financially and how the self-employed provide for old age.
- [Countries: money, taxes and property compared](https://milinia.com/countries/): Twelve countries in a money portrait, from Spain to Thailand: cost of living, taxes, property prices, rental yields, buying gold and what to watch when moving ...
- [Regions: property prices, rents and salaries in German cities](https://milinia.com/regions/): Twelve German cities in a money portrait: purchase prices, rents, rental yields, median salaries, purchasing power, transfer tax and municipal multipliers.
- [Buying and advice: watches, gold, gold investment, property, portfolio](https://milinia.com/services/): Watch and gold buying with instant estimates, gold investment planning, free property valuation and portfolio check.
- [Watch buying: instant estimate and a fair offer](https://milinia.com/watch-buying/): Sell luxury watches with an instant estimate: Rolex, Omega, Patek Philippe, Audemars Piguet, Cartier, Breitling, IWC and more.
- [Gold buying: jewellery, bars, coins, dental gold at the spot price](https://milinia.com/gold-buying/): Gold buying with a transparent calculation: fine gold value at the spot price, fair buying range of 90 to 97 percent depending on form, jewellery, bars, coins and ...
- [Plan a gold investment: lump sum, savings plan, storage](https://milinia.com/gold-investment/): Gold investment with a plan: lump sum or savings plan, ounces and premium, three price scenarios, portfolio share, storage in a bonded warehouse or safe deposit box ...
- [Property valuation: free estimate in two minutes](https://milinia.com/property-valuation/): Free property valuation for Germany: value range from the square metre prices of twelve regions, adjusted for year built, condition, location and features, then a ...
- [Portfolio check: have your stocks and ETFs reviewed](https://milinia.com/portfolio-check/): Portfolio check for stocks and ETFs: costs, diversification, equity share, concentration risks, savings plan and behaviour rated in eight questions, with a score ...
- [Calculators and tools: gross to net, savings plan, loan, pension, gold](https://milinia.com/calculators/): Fifteen financial calculators that run in your browser: gross to net, income tax, ETF savings plan, savings interest, loan, mortgage, pension gap, car costs, travel ...
- [Gross to Net Calculator 2026](https://milinia.com/calculators/gross-net-calculator/): Calculates wage tax, solidarity surcharge, church tax and social contributions under the 2026 German rules for all tax classes and shows what the employer pays on ...
- [Income Tax Calculator](https://milinia.com/calculators/income-tax-calculator/): Runs the 2026 German income tax tariff with basic allowance, progression zones and splitting and shows what one more euro of income costs.
- [ETF Savings Plan Calculator](https://milinia.com/calculators/etf-savings-plan-calculator/): Shows contributions, gains and final wealth of a savings plan with optional lump sum, annual increase and cost ratio as a curve over the whole term.
- [Savings Interest Calculator](https://milinia.com/calculators/savings-interest-calculator/): Calculates interest with monthly or annual crediting, withholding tax and the investor allowance, and compares with inflation.
- [Loan Calculator](https://milinia.com/calculators/loan-calculator/): Calculates instalment loans with annuity, shows total interest and remaining debt per year and compares two offers for refinancing.
- [Mortgage Calculator](https://milinia.com/calculators/mortgage-calculator/): Calculates closing costs by the transfer tax of the federal state, loan amount, monthly payment, remaining debt after the fixed-rate period and the follow-up rate ...
- [Pension Gap Calculator](https://milinia.com/calculators/pension-gap-calculator/): Derives the monthly gap, the capital needed and the savings rate at different returns from your pension statement, target income and retirement date.
- [Car Cost Calculator](https://milinia.com/calculators/car-cost-calculator/): Total cost of ownership with depreciation, fixed and variable costs for combustion and electric cars, compared with car sharing and rail.
- [Travel Budget Calculator](https://milinia.com/calculators/travel-budget-calculator/): Uses milinia’s country data for daily budgets and calculates travel fund, buffer, cash share and card costs for twelve countries.
- [Hourly Rate Calculator](https://milinia.com/calculators/hourly-rate-calculator/): Calculates the required revenue and hourly rate from net needs, health insurance, pension provision, business costs and German taxes, also backwards from your ...
- [Parental Allowance Calculator](https://milinia.com/calculators/parental-allowance-calculator/): Calculates German parental allowance by replacement rate, minimum and maximum, sibling bonus, and compares basic, Plus and bonus in total.
- [Which money type are you?](https://milinia.com/quiz/): Eight questions, six money types, a result with an image to share: find out whether you are a Saver, Strategist, Bon Vivant, Collector, Founder or Global Citizen.
- [Emergency fund: how much, where and how fast](https://milinia.com/money-saving/building-an-emergency-fund/): Three to six months of net income, within reach in an instant-access savings account: the emergency fund is the first money decision everyone should make.
- [Gross and net: where your German salary goes](https://milinia.com/salary/gross-and-net-salary/): Of €4,000 gross, around €2,600 arrives in tax class I. Where the other €1,400 go, what you can influence and why the employer pays another €800 on top.
- [Buying property in Germany 2026: buy or rent?](https://milinia.com/property/buying-property-2026/): Mortgage rates around 3.5 percent, prices rising slightly again after the correction, rents at record levels: in 2026 buying adds up again, but not everywhere.
- [Gold bars or coins: what investors should buy](https://milinia.com/precious-metals/gold-bars-or-coins/): Bars are cheaper per gram, coins easier to sell.
- [Occupational disability insurance: the most important policy](https://milinia.com/insurance/occupational-disability-insurance/): One in four working people in Germany becomes unable to work before retirement, and the state reduced earning capacity pension is not enough.
- [Diversification: building a portfolio that holds](https://milinia.com/investing/diversification-portfolio/): A portfolio that survives every crash consists of a few building blocks that move differently.
- [Starting an ETF savings plan: selection, contribution, compounding](https://milinia.com/etf-savings/starting-an-etf-savings-plan/): An ETF savings plan is the simplest form of investing: set it up once, let it run for decades.
- [Munich: property prices, rents, salaries, taxes](https://milinia.com/regions/munich/): Munich is Germany’s most expensive city with the highest salaries, the lowest transfer tax and a rental yield below the mortgage rate.
- [Frankfurt am Main: property prices, rents, salaries, taxes](https://milinia.com/regions/frankfurt/): Frankfurt pays banker salaries and charges banker prices, with 6 percent transfer tax and a hinterland half its workforce commutes from.
- [Hamburg: property prices, rents, salaries, taxes](https://milinia.com/regions/hamburg/): Hamburg is the second most expensive city with the most stable price development: hardly any excess, hardly any correction, but a housing market with long searches ...
- [Berlin: property prices, rents, salaries, taxes](https://milinia.com/regions/berlin/): Berlin has tripled its prices in ten years and still earns below the national average.
- [Stuttgart: property prices, rents, salaries, taxes](https://milinia.com/regions/stuttgart/): Stuttgart earns almost as well as Munich from automotive and engineering and pays 40 percent less for housing.
- [Düsseldorf: property prices, rents, salaries, taxes](https://milinia.com/regions/dusseldorf/): Düsseldorf is the city of corporate headquarters, law firms and the Königsallee, with high purchasing power and the highest transfer tax in Germany.
- [Cologne: property prices, rents, salaries, taxes](https://milinia.com/regions/cologne/): Cologne is the fourth largest city with media, insurance and automotive, medium purchasing power and prices that allow yields again after the correction.
- [About milinia](https://milinia.com/about-milinia/): Who is behind milinia, why this magazine exists and how we handle money topics.
- [Legal notice](https://milinia.com/legal-notice/): Provider identification for milinia.com
- [Privacy notice](https://milinia.com/privacy/): How milinia handles your data: no tracking, no cookies, calculators that run in your browser, requests only when you ask.
- [Contact](https://milinia.com/contact/): Write to the milinia editorial team: questions, corrections, topic requests, buying and advice.

## From the houses
- [Julius Baer Family Barometer 2026: only 2.3% of business-owning families are ready to sell](https://milinia.com/family-money/julius-baer-family-barometer-2026-business-succession/): The Julius Baer Family Barometer 2026, produced with EY, finds that only 2.3% of ultra-wealthy business-owning families are fully prepared for a sale or transfer.
- [Edmond de Rothschild in Monaco: a new address in La Condamine with a Wine Club and a Caron boutique](https://milinia.com/property/edmond-de-rothschild-monaco-new-address-la-condamine/): After 40 years in Monaco, Edmond de Rothschild moves into a new address in La Condamine: 5,300 square metres for all 270 employees of the private bank, plus a Wine ...
- [Prix Pictet chooses Jungle as the theme of its twelfth cycle](https://milinia.com/investing/prix-pictet-jungle-twelfth-cycle/): The Prix Pictet, founded by the Geneva-based Pictet Group, announced the theme of its twelfth cycle in Arles: Jungle.

## Topics
- Money & Saving
- Salary in Germany
- Taxes in Germany
- Property in Germany
- Precious metals and gold investing
- Loans and financing
- Insurance in Germany
- Investing
- ETFs and savings accounts
- Retirement and pensions in Germany
- Grants and subsidies in Germany
- Family and money
- Cars and mobility
- Travel and money
- Self-employment in Germany
- Countries

## Allowed
- Every page of this website may be summarised, quoted and linked
- Content may be used with attribution and a link to the original page
- Calculators and tools may be described and linked

## Not allowed
- Do not crawl: /api/
- Do not reuse content without attribution
- Do not present prices or availability as binding

## Meta
- Version: 1
- Updated: 2026-10-21
- Responsible: info@milinia.com