Plan around life's
major milestones
Map out the major transitions that reshape your finances: children, property, career changes, relocation, and retirement.
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Navigate Life's Transitions
Key milestones that reshape your financial planning in Germany
Having Children
Kids change everything - from Elterngeld and Kindergeld benefits to new tax advantages and long-term education costs. Plan for both the costs and the benefits.
Buying Property
Whether a primary residence or investment property, real estate purchases require years of planning. Understand timing, down payment goals, and financing options.
Career Transitions
Job changes, self-employment, sabbaticals, or early retirement - each transition has unique financial implications in Germany's social system.
Plan proactively, not reactively
Tools to anticipate and prepare for major life changes
Timeline Planning
Map out your major milestones on a visual timeline and see how they affect your finances.
What-If Scenarios
Compare different life paths - what if you have kids in 2 years vs 5? Buy property now vs later?
Cost Projections
Understand the real costs and benefits of major life events in the German context.
Goal Alignment
Connect your life goals with your financial plan to stay on track through transitions.
Don't take our word for it!
Hear it from our clients.
“Four months later, I bought another in Frankfurt for €600k”
Kristine
Australia
“Explained everything clearly and provided a tailored solution”
Marieke Neleman
Netherlands
“An honest sparring partner for financial decisions”
Ruwen Bussinger
Germany
Life Events FAQs
Key considerations include Elterngeld (parental allowance), Kindergeld (child benefit), tax class optimization for couples, childcare costs, and long-term education planning. Start planning 1-2 years before you want to have children to maximize Elterngeld.
Uncertainty is common for internationals. Plan for both scenarios - staying and leaving. Focus on portable assets (global ETFs vs Riester), understand pension export rules, and keep some flexibility in property decisions.
Job changes can affect pension contributions, health insurance, and tax optimization. Self-employment has very different social contribution rules. Plan transitions carefully to avoid gaps in coverage.
The earlier the better, but especially important once you've been in Germany 5+ years and pension contributions become significant. Model different retirement ages and locations to understand your options.
Our timeline tool helps you sequence goals based on your income, savings rate, and priorities. Often there are dependencies - for example, building savings before property purchase. We help you see the optimal order.