Personal finance web service with account syncing in Germany
"I don't think there is a law against it. For example comdirect offers multi banking so you can access your accounts from other banks through the comdirect website. My guess would be: Germans are very conservative when it comes to their money (preferring cash above cards, using ""safe"" low interest saving accounts instead of stocks) so there just might be no market for such a tool. There are desktop apps with bank syncing that offer different levels of personal finance management. Some I know are MoneyMoney, outbank, numbrs, GNUCash and StarMoney." As much as I know StarMoney has also a web service for banking.
"You can file an LLC yourself in most states, although it might be helpful to use a service if you're not sure what to do to ensure it is correct.  I filed my LLC here in Colorado online with the Secretary of State's office, which provided the fill-in-the-blank forms and made it easy. In the U.S., taxation of an LLC is ""pass-through"", meaning the LLC itself does not have any tax liability.  Taxes are based on what you take out of the LLC as distributions to yourself, so you pay personal income tax on that. There are many good books on how to form and then operate an LLC, and I personally like NoLo (link to their web site) because they cater to novices. As for hiring people in India, I can't speak to that, so hopefully someone else can answer that specific topic. As for what you need to know about how to run it, I'll refer back to the NoLo books and web site." "At this point, I want to tell you two things:  1. I truly believe that you are very concerned about racial hate and damage to society. You truly want Germany to help those in serious need. You are a fine person! I have the same concerns and approach.  2. I am a Jew, with many original family members in Germany now (almost all my family ran away from Germany and Czech Republic before WWII, few got hurt, and after WWII, some returned back, and to Germany).  So all this argument I have with you is not so much about Germans, who some of them risked their lives to save few members of my family. Yes, Germans almost died to saved some of my family.   It's about a concern for a misguided policy in Germany to allow AGAIN the rise of intolerance and racial problems, of which, for sure, Jews will be the victims again, but mostly other minorities, but not (!) Muslims.   If you did not know, the word ""anti-semitism"" was invented by Germans, and it is supposed to be against the semite race. European Jews are hardly semite but all Muslims and Arabs are pure true semites. Yet, Hitler and Muslims worked together and collaborated against Jews. Muslims were not killed by Germany.  (If you did not know, yes, all Jews were semites, but 2000 years in Europe, after expelled from ancient Israel 2000 years ago by the Romans, made the Jews in Europe hardly semite. Meanwhile, most Jews (60%) in Israel are not of European descent as they ended up in northern Africa and Asia and ALL(!) of them expelled from the Arabs/Muslim countries when Israel was established in 1948. Do you know that Hitler sent the Jews of Libya and other north Africa Arab/Muslim countries to concentration camps? But not any Libyans or other Arab/Muslims?)  SO, ALLOW me go the other direction with you now: do migrants get fined, houses raided and sent to jail over racist and intolerant sayings and actions? How about their religious leaders?  Sheikh Abu Bilal Ismail, speaking at the Al Nur mosque in Berlin, called upon Allah to “destroy the Zionist Jews”. And nothing was done to him by the German government.  However, an old German lady was fined and her house was raided.  Think about it.  This will not end good with Germany!!!! Think it's early 1930 in Germany. Nobody could predict what happened 10 years later.  **I highly(!!!) respect Germans as they have very high and good standards in every respect. Something to admire! But, because of that, shown many times in the past, not only the 1930s, Germany is the last country that should be experimented in regards to racial tensions and rising problems (crime, intolerance, fanatic religious people, etc).**  Crime by migrants in Germany is up considerably, [Read here](https://counterjihadreport.com/2016/02/page/8/)   Read about Sheikh Abu Bilal Ismail in Germany [here](http://forward.com/news/world/202751/germany-warns-against-hate-speech-after-imam-calls/)" We offer you to get the best  web service and incorporate the business needs. We use the most and the latest technology to develop a web page, here you can buy the best domain hosting service at the lowest price. It is an opportunity to save the time and money. We have a good experienced team that always helps you and give better guidance. Our professional team is very capable for the most service of a small business in USA. It's far a Limited Liability Company that’s form a LLC. We provide to our customers in Web Page or Domain Hosting service and additionally use the contemporary technology. "Finally, I got response from finance center:  ""It doesn't matter where do you study, what does matter is where you   live. So, once you live in Germany, you pay taxes in Germany. And   it doesn't matter who you work for."" So, there are two options to pay taxes: it's paid by an employer or an employee: If I would work for Swiss company, I need to show how much money I make every month (or year) to Finance Center." IngDirect has this concept of sub accounts inside a main account - that might be perfect for what you are looking for. To clarify, you basically have one physical account with logical sub account groupings. "I use the (gratis, libre) command-line program ledger for my personal accounts.  It handles funds across accounts gracefully, through a feature called ""Virtual Accounts"".  A transaction can add or subtract money from a virtual account, which need not balance with all the other entries in the transaction.  Then it's just a matter of setting up reports to include or exclude these accounts." "You don't have to hire a tax consultant, there is a number of companies who sell software (installable or web-based) that helps you do it by asking for all relevant data interview-style. These typically cost between 15 and 25 EUR. I'm not sure whether any of them are available in English, but if you can read German well, you should be OK. taxback.com is in English, but to be honest it looks a bit dodgy to me. Now for your questions: are there some tricky fields (lines) that after filling in my taxes will be counted higher? This is rare, at least for employees you nearly always get something back. are there some tricky fields (lines) that after filling in my taxes could be counted lower? Not in general. Marriage is mentioned below, and otherwise it's all about individual deductibles. Ah, one important factor: if you have investment income and have not filed a Freistellungsauftrag with your bank, you can get some of the taxes by filling out the ""Anlage KAP"" form with data you got in the Jahressteuerbescheinigung from your bank. are there some flat-rates (Pauschals) that I could get advantage from? Absolutely. As an employee, the biggest factor is the Werbungskostenpauschale of (I think currently) 1000 EUR for general work-related expenses, which will be accepted without proof. If your expenses are higher than that and you file individual expenses, there are flat rates for work-related moving and for commuting distance. is it better to give a tax return together with my wife (who was only a girlfriend in 2013 living with me in one household) or to give it separately? It's not possible to do a joint tax filing for the time before your marriage. What you should consider is to apply for a different tax class from now on, if one of you earns significantly more than the other. when separately, do I have to fill her information in my tax return or can I just pretend there is nobody else in my apartment? As far as taxes are concerned, unmarried roommates are treated completely separately with one exception: only one of you can deduct service charges included in your rent. You have to get a Nebenkostenabrechnung from your landlord, and service charges, i.e. janitor, gardener, etc. should be marked separately. But this may not be worth bothering with, usually it results in a tax return of maybe 15 EUR. is there any guide in English that could be of help with filling in the tax return form? I couldn't find anything that looked really useful in a short search." I know of websites that do this, but I don't know of banks that do. Is there any reason you want to do this at a bank rather than use a service?  My main concern with using a bank for this would be the risk of overdraft fees