Four stages. One plan that travels with you.
Expats do not think in financial products, they think in life stages. Here is what matters financially before you move, in your first month, while you build wealth, and on the day you leave.
Before the Move
The decisions that cost expats the most are made before arrival: which broker you keep, when residency starts, what you sell in your old country. A few weeks of planning is worth more than years of repair.
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Just Arrived
Austrian bureaucracy is orderly and unforgiving of the wrong sequence. Registration comes first, then social insurance, then the bank account, then everything else becomes possible.
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Living & Investing
Once life is settled, the structure of your money matters more than the products in it. Austria taxes investment income at a flat 27.5%, treats funds in a very particular way, and rewards deliberate planning.
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Planning to Leave
Departure is a taxable event in Austria. Unrealised gains can be taxed on the day you cease to be resident — and your pension, insurance and property arrangements all need a decision before you go.
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Free calculators built on current Austrian rules.
Where are you in the journey?
Fifteen minutes with a senior advisor. We will tell you honestly whether we can help.