Proper API

Proper API: financial and tax advisory for expats in Germany

Proper API is a financial advisory firm aimed at foreign specialists living in Germany. Its stated focus is helping this group build wealth in a tax-efficient way, combining tax optimization, insurance, investments and real estate. The firm presents itself as a partner for expats who want to navigate the German financial system without dedicating their own time to it.

The service is structured around what the company calls four pillars of wealth growth: converting taxes into wealth, boosting net income through social security savings, designing a tailored investment strategy and providing comprehensive real estate solutions. The firm states that these strategies have been developed for more than 10,000 clients.

Tax optimization and social security savings

According to the company, high tax rates in Germany can be turned into an advantage by deducting contributions to ETFs or real estate purchase costs from taxes. It cites an example in which a proper strategy can increase the annual tax refund by more than €5,000. It also points to potential savings of around €2,500 per year on average for employees through smarter social security contributions, which can then be reinvested.

Investment strategy and real estate support

Proper API offers a personalized investment plan balanced across short, medium and long-term horizons, with emphasis on high-interest income and dividend opportunities. In real estate, it provides support ranging from property search and financial analysis to building inspections and ongoing management, with the aim of maximizing returns and minimizing risks.

Client outcomes cited by the firm

The company presents several client stories with specific figures. One client is said to have made a €375,000 real estate investment without using his own capital, generating passive income of €326.67 per month from the second year of ownership and annual tax refunds of €8,950.50. Another client reportedly received €6,817 in annual tax refunds and bought a €335,000 property without own capital. A third client is said to have achieved a portfolio yielding more than 11.62% per year while saving over €3,000 in taxes annually. Other cases mention tax savings of more than €10,000 per year and a reduction in personal income tax of over €5,000 per year, alongside the purchase of a second investment property in Berlin.

Method and team

Proper API states that each financial plan is created and reviewed by at least five experts from different disciplines. It also mentions written guarantees outlining how its solutions will work, and ongoing support with quick responses to client questions. The firm claims over 10 years of experience in tax optimization, insurance, investments and real estate.

Target audience and barriers addressed

The advisory is designed for expats who face a lack of knowledge about German tax regulations and financial systems, limited time due to demanding careers, bureaucratic complexity, confusing legal frameworks, high inflation and taxes, difficulty accessing reliable tailored advice, and language barriers. Proper API positions itself as a guide through these obstacles, allowing clients to focus on their professional careers.