A full breakdown of whether €4,000/month covers the cost of living in Berlin — including take-home pay after tax, monthly costs, your savings rate, and how long until financial independence.
Most affordable major German city with a thriving startup and tech scene. Combined deductions are high but costs are reasonable.
Income tax + Solidaritätszuschlag + health/pension/unemployment insurance. Total deductions typically 35-45% of gross.
Trade Republic or Scalable Capital for low-cost ETF investing. No ISA equivalent but ETFs are tax-efficient long term.