# Invest Expat

> Independent wealth management for internationally mobile people in Austria and across Europe. Cross-border tax, pension consolidation, investment portfolios and financial planning for expats, diplomats and Austrian families.

Invest Expat is an FMA-regulated, independent advisory firm based in Vienna and Innsbruck. We serve expats, diplomats, international organisation staff and Austrian private clients with globally diversified portfolios, cross-border tax planning and pension clarity — under our proprietary Borderless Wealth method.

## Pages

- [Home](/): Independent wealth management for internationally mobile people.
- [About](/about): The firm, our story and what we stand for.
- [Team](/team): Senior, independent, internationally experienced advisors.
- [Offices](/offices): Vienna and Innsbruck locations.
- [Why Us](/why-us): What sets Invest Expat apart from a traditional bank.
- [Contact](/contact): Book a free 15-minute call with a senior advisor.

## Services

- [Wealth Management](/wealth-management): Globally diversified, low-cost portfolios held with Austrian FMA-supervised brokers.
- [Pension Clarity](/pension-clarity): Consolidating cross-border pension entitlements.
- [Cross-Border Tax](/cross-border-tax): Austrian tax compliance for internationally mobile clients.
- [Investment Philosophy](/investment-philosophy): Evidence-based, low-cost, long-horizon investing.
- [Borderless Wealth Method](/borderless-wealth-method): Our proprietary advisory framework.
- [Real Estate & Loans](/real-estate-loans): Financing solutions for internationally mobile clients.
- [Insurance](/insurance): Structuring insurance across borders.
- [Estate Planning](/estate-planning): Cross-border estate and inheritance planning.

## Who we serve

- [Austrian Private Clients](/austrian-private-clients): Discretionary wealth for Austrian families from €50k.
- [Americans in Austria](/americans-in-austria): PFIC, FATCA and FBAR planning.
- [British & Irish in Austria](/british-irish-in-austria): Post-Brexit pension and investment planning.
- [EU Expats in Austria](/eu-expats-in-austria): Cross-border planning inside the EU.
- [Global Expats in Austria](/global-expats-in-austria): Worldwide mobility.
- [International Organisations & Diplomats](/international-organisations-diplomats): UN, IAEA, OPEC, CTBTO staff.

## Insights

- [Blog](/blog): Editorial wealth and tax insights.
- [Wealth Guides](/wealth-guides): In-depth guides for expats and international families.
- [Webinars & Events](/webinars-events): Live sessions with senior advisors.

## Free calculators (Austria)

Free, no-signup calculators built on current Austrian rules. Figures are estimates for orientation, not tax advice.

- [Calculators & Tools](/calculators): Hub for all four Austrian calculators.
- [KESt & ETF Tax Calculator](/calculators/kest): Austrian capital gains tax on ETFs and shares at 27.5% (KESt). Covers reporting funds (Meldefonds) vs non-reporting funds, deemed distributed income (ausschüttungsgleiche Erträge) on accumulating ETFs, and the difference between accumulating and distributing funds. Answers: "How much tax do I pay on ETFs in Austria?", "What is KESt?", "Are accumulating ETFs taxed in Austria?"
- [Gross to Net Salary Calculator](/calculators/salary): Austrian gross-to-net pay for employees, including ASVG social insurance, progressive income tax brackets, and the 13th and 14th salary (Urlaubs- und Weihnachtsgeld) taxed at the favourable 6% rate. Answers: "What is my net salary in Austria?", "How are the 13th and 14th salary taxed?"
- [Pension Gap Calculator](/calculators/pension-gap): Estimates the statutory ASVG pension using the 1.78% annual accrual rate and shows the monthly gap versus target retirement income — including years contributed abroad. Answers: "How much state pension will I get in Austria?", "What is my pension gap?"
- [Mortgage & KIM-VO Calculator](/calculators/mortgage): Austrian borrowing capacity and monthly instalment under the KIM-Verordnung lending rules: minimum 20% equity, maximum 40% debt-service-to-income ratio, maximum 35-year term. Answers: "How much can I borrow in Austria?", "What is the KIM-Verordnung?"

## Your Journey in Austria

Four stages of an expat's financial life in Austria, each with checklists and next steps.

- [Your Journey in Austria](/journey): Overview of all four stages.
- [Before the Move](/journey/before-the-move): What to arrange financially before relocating to Austria — tax residency timing, existing investments and pensions, banking, insurance.
- [Just Arrived](/journey/just-arrived): The first months in Austria — Meldezettel, Austrian bank account, social insurance, employer paperwork, first tax filing.
- [Living & Investing](/journey/living-investing): Building wealth as a resident — ETF investing under KESt, pension contributions, property purchase, annual tax return (Arbeitnehmerveranlagung).
- [Leaving Austria](/journey/leaving-austria): Exit planning — Wegzugsbesteuerung (exit taxation), pension entitlements, closing accounts, deregistration and final tax return.

## Rechner (Österreich)

- [Rechner & Tools](/de/rechner): Alle vier österreichischen Rechner im Überblick.
- [KESt- & ETF-Rechner](/de/rechner/kest): Kapitalertragsteuer 27,5% auf ETFs und Aktien, Meldefonds vs. Nichtmeldefonds, ausschüttungsgleiche Erträge bei thesaurierenden ETFs.
- [Brutto-Netto-Rechner](/de/rechner/gehalt): Nettogehalt in Österreich inklusive ASVG-Sozialversicherung, Steuerstufen sowie 13./14. Gehalt mit 6% Besteuerung.
- [Pensionslücken-Rechner](/de/rechner/pensionsluecke): ASVG-Pension mit 1,78% Steigerungsbetrag und monatliche Pensionslücke, auch mit Auslandsjahren.
- [Immobilienkredit-Rechner](/de/rechner/immobilienkredit): Kreditrahmen und Rate nach KIM-Verordnung: 20% Eigenmittel, 40% Schuldendienstquote, max. 35 Jahre Laufzeit.

## Ihr Weg in Österreich

- [Ihr Weg in Österreich](/de/journey): Die vier Phasen im Überblick.
- [Vor dem Umzug](/de/journey/vor-dem-umzug): Steuerliche Ansässigkeit, bestehende Depots und Pensionen, Konto und Versicherungen vor der Übersiedlung.
- [Angekommen](/de/journey/angekommen): Meldezettel, österreichisches Konto, Sozialversicherung, erste Arbeitnehmerveranlagung.
- [Leben & Investieren](/de/journey/leben-und-investieren): Vermögensaufbau mit ETFs und KESt, Pensionsvorsorge, Immobilienkauf, jährliche Steuererklärung.
- [Wegzug aus Österreich](/de/journey/wegzug): Wegzugsbesteuerung, Pensionsansprüche, Kontoauflösung, Abmeldung und letzte Steuererklärung.


## Careers

- [Careers](/careers): Join Invest Expat as an advisor or partner.

## Deutsch

- [Startseite (DE)](/de): Unabhängige Investmentberatung für Österreicher.
- [Vermögensverwaltung](/de/wealth-management): Vermögensverwaltung für österreichische Familien.
- [Österreichische Privatkunden](/de/austrian-private-clients): Diskretionäre Beratung ab €50.000.
- [Warum wir](/de/why-us): Was uns von der Bank unterscheidet.
- [Kontakt](/de/contact): Kostenloses 15-Minuten-Gespräch.

## Optional

- [Impressum](/impressum): Legal notice (Austrian Impressum).
- [Datenschutz](/datenschutz): Privacy policy (DSGVO).
- [Disclaimer](/disclaimer): Legal disclaimer.
- [Nachhaltige Investitionen](/nachhaltige-investitionen): SFDR / ESG disclosure.

## Deutsch (Österreich)

- [Startseite](/de): Unabhängiger Finanzberater in Wien für Expats und österreichische Familien.
- [Vermögensverwaltung](/de/wealth-management): Global diversifizierte ETF-Portfolios, KESt-optimiert, FMA-regulierte Verwahrung.
- [Pensionsplanung](/de/pension-clarity): ASVG, betriebliche und ausländische Pensionsansprüche konsolidiert.
- [Anlagephilosophie](/de/investment-philosophy): Evidenzbasiert, kostengünstig, Meldefonds-konform.
- [Borderless Wealth Methode](/de/borderless-wealth-method): Fünf Etappen für grenzüberschreitende Vermögensplanung.
- [Versicherungen](/de/insurance): Unabhängige Versicherungsberatung in Österreich.
- [Nachfolgeplanung](/de/estate-planning): Erbrecht und Nachlass über Ländergrenzen.
- [Immobilien & Finanzierung](/de/real-estate-loans): Kredite in Österreich, auch ohne lange Bonitätshistorie.
- [Österreichische Privatkunden](/de/austrian-private-clients): Familien ab €50.000 investierbarem Vermögen.
- [Amerikaner in Österreich](/de/americans-in-austria): FATCA, PFIC, FBAR, 401(k)/IRA.
- [EU-Expats in Österreich](/de/eu-expats-in-austria): Doppelbesteuerungsabkommen und Mehrsäulen-Pensionen.
- [UK-Pensionen](/de/uk-expat-pension-advice): State Pension, SIPP, QROPS.
- [Diplomaten & Internationale Organisationen](/de/international-organisations-diplomats): UNO, IAEA, OPEC, CTBTO.
- [Team](/de/team) · [Standorte](/de/offices) · [Warum wir](/de/why-us) · [Kontakt](/de/contact)

## Fakten

- Firma: Invest Expat GmbH, Wien und Innsbruck, Österreich.
- Regulierung: gewerbliche Vermögensberatung unter FMA-reguliertem Dach.
- Einstieg: ab €50.000 investierbarem Vermögen oder €1.000 monatlichem Sparpotenzial.
- Sprachen: Deutsch und Englisch.
- Kontakt: info@investexpat.com · +43 676 9781251