Ghurbatek
Life abroad, made easier
Moving abroad means dealing with a new bureaucracy in a new language. Ghurbatek explains the procedures that matter most to immigrants (citizenship, residence, taxes, benefits and official letters) in plain language, with a link to the official source behind every figure.
Free tools for immigrants
Residence and citizenship
- Schengen 90/180 calculatorDays left and when you can come back
- Canada citizenship daysYour days out of 1,095, and when you can apply
- UK citizenship absences450 days in 5 years, 90 in the last year
- Australian citizenship residence4 years, 12 months as PR, absence limits
- N-400 filing dateThe earliest day you can apply for US citizenship
Money
- Money transfer comparisonWho gives your family the most, fees and exchange rate included
- IBAN checkerCheck an IBAN before sending money
- Germany net salary calculatorBrutto to Netto in English, tax classes 1–6
- Tax class for married couples3/5, 5/3 or 4/4: which pays you more?
- UK take-home pay calculatorSalary after Income Tax and National Insurance
Work and rights
Family
Paperwork
Faith
Family back home
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Choose your country
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Germany
Citizenship, residence permits, taxes, payslips, child benefit and dealing with German authorities.
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United States
Naturalization, the 2025 civics test, Social Security numbers, credit history and taxes.
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Canada
Citizenship and the 1,095-day rule, the citizenship test, SIN and your first tax return.
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United Kingdom
Settlement and citizenship, the Life in the UK test, National Insurance and the NHS.
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Australia
Residence requirements, the citizenship test and Australian values, TFN and Medicare.
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Sweden
The new 2026 citizenship law, the civics and language tests, and the personal identity number.
Why Ghurbatek?
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Official sources only
Every guide is written from the law or the authority’s own website, linked at the end.
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Kept up to date
Figures are reviewed every tax year and whenever a law changes, with the date shown on each page.
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Free, no sign-up
Everything is free to read. Practice tools save progress only in your own browser.
Latest guides
- Green card: how to keep your US permanent residence and when you can lose it
United States — When long trips abroad count as abandoning US permanent residence, what a re-entry permit is, how to renew a green card, and the obligations that protect your status.
- German citizenship requirements 2026: every condition and exception
Germany — All requirements for German naturalisation after the 2024 reform and the end of the fast track: 5 years’ residence, self-sufficiency and its exceptions, B1 German, which convictions are disregarded, time abroad, spouses and children, the €255 fee and processing times.
- Opening a bank account in Germany: account types, documents and your right to a basic account
Germany — How to open a current account in Germany, traditional versus online banks, the documents you need, and the basic account every resident has the right to open.
- How to read a German payslip (Lohnabrechnung) line by line
Germany — Every item on a German payslip explained: gross pay, taxes, social insurance, net pay and the amount paid out, plus the mistakes to watch for.
- Parental allowance (Elterngeld) in Germany: who qualifies, how it is calculated and when to apply
Germany — A guide to German parental allowance: eligibility, basic Elterngeld versus ElterngeldPlus, how your salary and tax class affect it, and the application deadline.
- Objecting to official decisions in Germany (Widerspruch): the deadline and the right way
Germany — How to object to a decision by the job centre, the tax office, your health insurer or any German authority, when the one-month deadline starts, and what your objection letter must contain.
- Finding a flat in Germany: documents, deposits and how to spot scams
Germany — A practical guide to renting a flat in Germany: the file landlords expect, the legal limit on deposits, cold versus warm rent, and how to recognise fraudulent ads.
- Recognition of foreign qualifications in Germany (Anerkennung): when you need it and how to apply
Germany — When recognition of your university or vocational qualification is mandatory in Germany, regulated versus non-regulated professions, and the roles of the anabin database and the ZAB.
More tools (salary calculators, citizenship test simulators, letter generator) are available in Arabic and are being translated step by step.