Financial planning for expats in Germany
Navigating the German financial system can be overwhelming, especially as an expat. We specialize in helping internationals like you gain clarity and confidence in your financial decisions.
Trusted by 100+ expats
4.8 (20+ reviews)
Certified German advisors
Featured in
Questions your expat friends had for us
Our Process
Explore in more detail below.
Discovery Call
30 min • FreeStart with a friendly conversation. In your discovery call, we learn about your current financial landscape, understand your dreams, and answer any questions you have.
Start with a friendly conversation. In your discovery call, we learn about your current financial landscape, understand your dreams, and answer any questions you have.
From financial fog to clarity
As an expat in Germany, managing finances across multiple countries can be challenging. Our proven approach helps you see the complete picture, creating a foundation for smarter financial decisions.
Let's bring your finances into focus
As an expat in Germany, you might face these common hurdles:
- No clear overview of finances
- Invisible progress toward goals
- Scattered finances across countries
We're here to help you
Whether you've tried before or not, we'll guide you to create a clear financial snapshot that gives you peace of mind.
"Finally seeing all my finances in one place gave me the clarity I needed."
Create your overview
Using our platform, you'll map out your financial picture in a way that makes sense and gives you confidence.
Simple, secure, and intuitive – designed for expats
Chat with an advisor
In a conversation with our experienced advisors, we'll review your situation and discuss what makes sense for your unique circumstances.
Some questions we might explore:
Specialized in expat financial situations
From life goals to financial strategy
As an expat in Germany, your life plans and financial goals need to work together. We help you identify goals that truly align with your personal aspirations and create realistic strategies to achieve them.
Why alignment matters
Without aligning financial goals to your life plans, you might:
- ✓Pursue financial goals that don't support your life plans
- ✓Miss opportunities better suited to your situation
Our approach
- Looking forward to your future life plans
- Education about all your financial options
- Honest, realistic prioritization of goals
Personalized for your journey – not one-size-fits-all
Aligning goals with your life plan
We help you identify goals that make sense for your unique journey and develop realistic strategies to achieve them. Our process adapts to your specific situation.
Common financial goals we can help you with:
Emergency Fund
Retirement
Real Estate
Passive Income
Custom Goal
Tailored strategies that align with your life plans
From options to tailored solutions
As an expat in Germany, you face a unique set of financial opportunities and challenges. We help you identify the specific solutions that align with your goals and situation, creating clarity where there was once confusion.
- •Clear insurance recommendations
- •Help with comparisons
- •Introduction to expat friendly partners (opt.)
We help with...
We help with...
We help with...
Protection tailored to your expat journey
As an expat in Germany, understanding which insurance products are essential can be overwhelming. We help you navigate the German insurance landscape, focusing only on what truly matters for your situation and eliminating unnecessary coverage.
"Now I finally understand which insurance I actually need in Germany and which ones I can safely ignore. This clarity alone was worth the conversation."
Investment strategies that work for expats
Building wealth as an expat in Germany presents unique opportunities and challenges. We help you create investment strategies that account for your international profile, optimize for German tax laws, and align with your long-term financial goals.
"After years of confusion about investing as an expat, I finally have a clear strategy that works with my international lifestyle and German tax situation."
Your path to homeownership in Germany
The German property market works differently than most countries. As an expat, you face additional challenges with credit history, mortgage options, and understanding local regulations. We guide you through each step, making homeownership accessible and understandable.
"The German property market seemed impossible to navigate as a foreigner. Financemate helped me understand my options and find a path to homeownership that I wouldn't have discovered on my own."
Retirement planning that works across borders
As an expat, your retirement plan likely spans multiple countries and pension systems. We help you bring clarity to your international retirement picture, coordinate benefits across countries, and create a cohesive strategy that ensures you're on track regardless of where you ultimately retire.
"With pension entitlements in three different countries, I had no idea how they fit together or if I was on track. Now I have a clear retirement roadmap that accounts for my unique international situation."
Protection tailored to your expat journey
As an expat in Germany, understanding which insurance products are essential can be overwhelming. We help you navigate the German insurance landscape, focusing only on what truly matters for your situation and eliminating unnecessary coverage.
"Now I finally understand which insurance I actually need in Germany and which ones I can safely ignore. This clarity alone was worth the conversation."
...and so much more!
Access a suite of specialized tools and resources designed specifically for expats in Germany.
Time to value calculator
Pension points calculator
Real estate buying calculator
English speaking tax advisors
Network of partners internationally
Document hosting
Finally a patient and willing financial advisor
I first read about Alex in a blog about financial advisors for immigrants in Germany. He patiently answered my questions about flexible pensions and helped me decide when and how to set them up. In my experience, he truly understands my needs and explains everything clearly. I look forward to consulting with him again.
FAQs
Ready to design your financial life?
"Meeting Alex felt like talking to a friend who really gets the challenges of building a life across borders. He helped me see opportunities I didn't even know existed!"
— Sarah from Berlin, Tech Lead