🇩🇪 Germany vs 🇮🇹 Italy
Side-by-side early retirement comparison — taxes, cost of living, healthcare, and FIRE number.
Key Takeaway
Italy is somewhat cheaper than Germany for retirees. With a cost of living index of 65 vs 75, your money goes 13% further in Italy. Capital gains tax is 26% in Italy vs 26% in Germany. Use the calculator to see your personalized FIRE number for both countries.
Side-by-Side Comparison
Tax Comparison for Retirees
🇩🇪 Germany Taxes
🇮🇹 Italy Taxes
Special Tax Regimes for Expats
Flat Tax for Retirees
7% flat tax on ALL foreign income for retirees in Southern Italy/small towns.
Impatriate Regime
70-90% income exemption for workers.
Calculate Your Exact FIRE Number
Enter your portfolio, spending, and retirement age to see a personalized comparison between Germany and Italy — with Monte Carlo simulations and tax modeling.
🔥 Open Calculator — Germany vs ItalyFAQ: Germany vs Italy for Retirement
Is it cheaper to retire in Italy or Germany?
Italy has a cost of living index of 65 compared to Germany's 75(where US = 100). Italy is somewhat cheaper than Germany for retirees. Your money goes approximately 13% further in Italy.
How do taxes compare between Germany and Italy?
Capital gains tax is 26% in Italy vs 26% in Germany. The top income tax rate is 43% in Italy vs 45% in Germany. For FIRE retirees, the effective tax rate depends on your withdrawal strategy — use our calculator for a personalized estimate.
What about healthcare in Italy vs Germany?
Estimated annual healthcare costs are $0 in Italyvs $4,800 in Germany. Italy offers public healthcare access for residents. Germany offers public healthcare access for residents.