Financial planning for internationals in Germany
What financial challenge
is on your mind today?
Start with free tools and guides to understand your options — we'll be here when you're ready to act.
Or pick a topic
How it works
One dashboard, real humans in your corner. Built for internationals in Germany.
Create your free account
30 seconds, no card. Step inside and see your whole financial picture in one place.
See your full picture
Taxes, investments, pension, and property together in one dashboard, built for internationals in Germany.
Move forward with support
Real humans in your corner. Alex and Sven walk you through the property journey, from first call to notary.
What you'll get
Everything you need to understand, plan, and act on your finances in Germany.
Curated Knowledge
Guides, articles, and tools tailored to internationals navigating finances in Germany.
English-speaking Partners
Access a vetted network of professionals who speak your language and understand your situation.
Vetted Financial Opportunities
Pre-screened investment opportunities that match real strategies, not marketing hype.
One place to manage it all
Your financial dashboard: properties, investments, goals, and progress in one view.
An independent Guide
We don't sell products. We guide you through decisions with your best interest in mind.
Analytics & Scenario Analysis
Model different scenarios, compare strategies, and make data-driven financial decisions.
Access to opportunities
Discover vetted investment properties, compare financing options, and model returns before you commit. We bring opportunities to you and handle the complexity so you can focus on the decision.
Free to explore, no commitment
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Cashflow
+€324 /m
Tax savings
€5,840 /yr
Clarity on your financial situation
See your full financial picture in one place. Track your net worth, understand your cash flow, and identify where your money can work harder for you.
Free to explore, no commitment
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Net worth
€224,000
Monthly surplus
+€1,840
Independent Guidance on what matters
Navigate insurance, pension, and tax optimization with unbiased guidance. We help you understand what you actually need, cut what you don't, and connect you with the right experts.
Free to explore, no commitment
Coverage
Optimized
Pension gap
Covered
Is Financemate right for you?
This is NOT for you if:
- You don't care about your finances
- You are not interested in anything finances related
- You want to figure out everything by yourself
This is for you if:
- You earn well in Germany and think you can do more with your money
- You have been thinking about certain financial topics for a long time but have not executed on them
- You see the benefit of outsourcing certain pieces to domain experts
- You value having everything in one place
- You want to improve your long-term financial wellbeing
Financemate
We talk to banks for you
Do you see more potential in your finances?
A letter from the team
Finances in Germany can be a maze for internationals and Germans alike.
There are a lot of moving parts, especially as your income grows: Investing, owning a home, figuring out your taxes, knowing what opportunities you even have. Especially if you are not even that interested in finances and avoid the topic. But maybe feel bad about it at the same time, because you feel you should be doing something.
It's a lot to manage on the side if you are busy with other parts of life. Family abroad, hobbies, your career. Even if you know a lot about finances, life still often gets in the way of your financial planning.
Also, the financial landscape in Germany is built quite fragmented. Individual experts that might or might not have a hidden agenda. It's hard to find English-speaking people that get your international background and complexity.
That's why we built Financemate. To help internationals like you make more out of your finances, no matter where you are at right now. We help you mitigate fears and bring clarity and execution that feels good — feel on top of it.
Everything you need to know
We combine modern software with independent financial advisors. Start by exploring our tools and calculators on your own, then book a free consultation when you're ready to discuss your specific situation.
If you're living in Germany as an international, earn income here, and want to optimize your finances, you're likely eligible. We work with anyone from early-career professionals to established executives.
Real estate investing focuses specifically on using property to reduce taxes and build wealth. Holistic planning takes a broader view of your entire financial situation including investments, retirement, insurance, and life goals.
Our calculators and planning tools are free to use. For personalized guidance, we offer 1:1 coaching sessions at an hourly rate. When your plan points to a product or service that fits — i.e. investment property — and you choose to go through one of our partners (you don't have to), we earn a referral commission from the partner. Not from you. In the case of investment properties, since we work mostly on new buildings, the developer of these buildings pays. Which means there is no agent fee that you have to pay, which is more a norm on the market.
The best time to start financial planning is now. Whether you're just starting your career in Germany or have been here for years, we can help you optimize your current situation and plan for the future.
While we specialize in helping internationals navigate Germany's financial system, we welcome anyone looking for independent, transparent financial advice in Germany.
What others say
“I was flabbergasted by the calculation — positive cashflow, tax benefits, building wealth without using my own capital. We found a €250k apartment and I went for it. Four months later, I bought another in Frankfurt for €600k.”
Kristine
Bought 2 properties
Javi
Living in Germany for 13 years
“It's the first time I find something so curated for expats to plan your future and get closer to financial independence. You can see everything very clearly.”
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Name
Context
Khaled
Bought property in Frankfurt
“I always wanted to buy a flat in Germany but never knew where to start. Four weeks later I bought my first investment flat in Frankfurt. They even came with me to the notary.”
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Name
Context
“I needed advice on pension and investment for starting freelance. Explained everything clearly and provided a tailored solution. I can recommend Financemate to anyone seeking help with finances.”
Marieke
Financial planning
“The first consultant who suggested canceling products that no longer fit and only recommended truly helpful ones. Never any pressure, just an honest discussion about risks and preferences.”
Ruwen
Insurance & pension