The wealth hub for achieving financial freedom
Financial planning tools for people earning over EUR 80k in Germany. Save taxes through real estate investing, visualize your financial life and build more retirement income.
Free. No credit card required.
Turn your taxes into property wealth
High earners in Germany can legally reduce their tax burden by investing in real estate with depreciation benefits — all before you commit to anything.
- Interactive tax & cashflow calculator
- Personalized property matches
- Real financing offers from banks
- No commitment required
Annual Tax Savings Based on Your Income
Year 2
Tax Savings : 16.800 €
Year 1 tax savings
€8,450
From first calculation
to first rent
See how your income and wealth can benefit from real estate investing in Germany for free. We help you to:
See your tax savings, property recommendations, get financing offers — before you commit and pay.
- Interactive tax calculator - guided if you want
- Personalized property matches - by a human
- No commitment required
Map your income sources,
present and future
Discover if you can retire early, with how much money, and where it's coming from. Visualize with us:
Understand your income, expenses, and net worth at a glance.
- Income & expense tracking
- Net worth overview
- Cash flow analysis
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Your net worth
€142,500
Ready to take the next step?
Explore on your own or get personal guidance — both are free.
Self-guidedFinancial Planning Hub
See where you stand and plan your path to independence.
Self-guidedReal Estate Hub
Learn how property investment lowers taxes and builds wealth.
Guided by usBook a Free Discovery Call
Not sure where to start? Let's map out the best path for you.
Benefit from a mate in Finance, like them
Kristine
Australia
"Real estate came up, and I was flabbergasted by the calculation - positive cashflow, tax benefits, building wealth without using my own capital… why wasn't anyone talking about this? Alex guided me through the numbers, I verified with my own research, and it seemed like a no-brainer. We found a €250k apartment, and I went for it. Four months later, I bought another in Frankfurt for €600k."
"Four months later, I bought another in Frankfurt for €600k"
Marieke Neleman
Netherlands
"I found Financemate through Google as I needed advice on pension/investment for starting freelance. He explained everything clearly and provided a tailored solution for me. I can recommend Alex to anyone seeking help with finances while also wanting to become more knowledgeable about the topic."
"explained everything clearly and provided a tailored solution"
Ruwen Bussinger
Germany
"I admit it, I'm no expert. Alex (my Financemate) was the first consultant who suggested canceling products that no longer fit our needs and only recommended truly helpful ones. There was never any pressure, just an honest discussion about risks and preferences. I wholeheartedly recommend him as an honest sparring partner for financial decisions."
"an honest sparring partner for financial decisions"
FAQs
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. Advisory services are fee-based with transparent pricing - we'll discuss costs during your free intro consultation. We never earn commissions from financial products.
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.