Income Planning · For Internationals in Germany

Project your income,
present and future

Track salary growth, plan for bonuses, and understand how life changes affect your earnings over time.

Free. No credit card required.

Learn the Basics

Master Your Income

Key concepts to understand and optimize your earnings in Germany

Gross vs Net in Germany

German taxes and social contributions can take 40%+ of your salary. Understand exactly where your money goes and how to optimize.

Tax Class Optimization

Your Steuerklasse significantly affects monthly take-home pay. Learn which class is best for your situation and how to change it.

Career Progression Planning

Model salary increases, promotions, and job changes to see how your income evolves over your career.

Why Financemate

Plan your earnings strategically

Tools to understand, project, and optimize your income in Germany

Multi-Year Projections

See your income trajectory over 5, 10, 20+ years with realistic growth assumptions.

Life Event Modeling

Plan for parental leave, sabbaticals, part-time work, and career breaks.

Tax Impact Calculator

Understand how raises, bonuses, and side income affect your actual take-home pay.

Scenario Comparison

Compare different career paths, job offers, and income strategies side by side.

Testimonials

Don't take our word for it!
Hear it from our clients.

Four months later, I bought another in Frankfurt for €600k

Kristine

Kristine

Australia

Explained everything clearly and provided a tailored solution

Marieke Neleman

Marieke Neleman

Netherlands

An honest sparring partner for financial decisions

Ruwen Bussinger

Ruwen Bussinger

Germany

Income FAQs

Our projections use your actual salary data and realistic growth assumptions based on your industry and role. You can adjust growth rates and model different scenarios to see a range of outcomes.

Yes! You can add multiple income sources including employment, freelance work, rental income, and more. Each source can have its own growth assumptions.

Tax classes (Steuerklassen) affect your monthly withholding, not your final annual tax. Married couples can optimize by choosing the right combination. Our tools show the monthly impact of different choices.

You can model job changes by adjusting your income at specific future dates. Compare staying vs leaving to see the long-term financial impact of career moves.

Yes, you can include variable compensation like bonuses, RSUs, and commissions. Our tools help you understand how these are taxed differently from regular salary.