Independent Financial Guidance for Expats

Expat in Germany? Don’t Guess – Get Financial Clarity.

Feeling lost in Germany’s financial system? You’re not alone.

Starting your professional life in a new country comes with challenges – and finances are often one of the biggest. As an Expat in Germany, you’re suddenly faced with complex decisions about health insurance, taxes, pensions and investment – in a system that’s unfamiliar, often in a language you don’t speak fluently.

Which insurance is mandatory – and which is just nice to have?
Should you go with public or private health insurance?
What’s the smart way to start building wealth in Germany?
How can you avoid common financial mistakes as a newcomer?

This is exactly where Finanzfreunde supports you. We specialize in helping Expats get a clear overview of the German financial landscape – and build a personal strategy that fits your life, income and goals.

Whether you're just starting your first job in Germany or planning long-term, we explain everything in clear English, stay independent from insurance or banks, and focus 100% on what’s best for you.

How We Work – Step by Step, With You

At Finanzfreunde, our approach is personal, structured, and 100% tailored to your needs as an Expat in Germany.

It starts with a free onboarding call, where we take the time to understand your background, your career path, and what matters most to you financially. No pressure, no jargon – just clarity from the start.

Based on that, we create your step-by-step financial roadmap – aligned with your income, your goals, and the specific rules of the German system. Whether it's insurance, investing, or retirement planning, we walk you through each area at your pace.

We work completely independently – that means we don’t sell products, but help you compare and choose what really makes sense for you. From private vs. public health insurance, to pension options and smart investment strategies, we make sure you understand your options and stay in control.

And we don’t just disappear after the first session. As your life and career in Germany evolve, we offer ongoing support, regular check-ins and updates, so your financial plan keeps growing with you.

Real support. By Expats, for Expats.

  • "I had no idea how the German system worked – health insurance, retirement, taxes… it was overwhelming. Finanzfreunde gave me a clear plan and explained everything step by step. I now feel in control."

    Pedro, Software Engineer from Spain

  • "As a medical professional, I was worried about choosing the right insurance. The team helped me understand my options and made sure I was protected – without overpaying."

    Sarah, Junior Doctor from the UK

  • "The financial side of moving to Germany was confusing. Finanzfreunde helped me sort everything out – even things I hadn’t thought of. And they always spoke clear English!"

    Ankita, PhD Student from India

  • "I’ve worked in several countries, but Germany was the most complex financially. These guys made it simple – and they really cared about what was best for me, not just selling something."

    Lucas, Business Consultant from Brazil

  • "I booked a free intro call and was surprised how much I learned in 45 minutes. No pressure, just honest advice. I wish I had found them earlier."

    Tariq, Data Analyst from Egypt

📘 Free Download: Your Expat Guide for Starting Life in Germany

New to Germany and unsure where to start financially?
We’ve created the ultimate Expat Guide to help you navigate the most important financial decisions in your first months.

This free PDF gives you clear, practical answers to the questions every Expat has – without the overwhelm.

How does the German health insurance system work?
What financial documents do I need right away?
Which insurances are essential – and which are optional?
What do I need to know about taxes and salaries?
How do I start saving or investing as a newcomer?

Whether you're starting your first job, studying, or building a new life in Germany – this guide helps you avoid costly mistakes and set a strong financial foundation.

Independent. Easy to understand. Made for Expats.