Personal finance
in Germany.
In plain English.

English guides and free calculators for expats navigating banking, taxes, insurance and investing in Germany.

What’s your money question?

Berlin skyline in blue glass with the television tower and illuminated paths

Just arrived?Newcomer checklist Run the numbersFree calculators

START WITH YOUR SITUATION

What brings you here?

Get settled, one step at a time.

Start with everyday essentials: an account, the right paperwork and a clearer view of the German system.

Start with the essentials

Open a bank account Find your German tax ID Understand health insurance

Make sense of your monthly picture.

Understand what lands in your account, where it goes and the costs and cover worth checking.

Explore your take-home pay

Plan your monthly budget Explore a cash buffer Understand liability insurance

Connect today’s questions with tomorrow.

Explore investment costs, pensions and the choices that matter when your plans stretch beyond the next few months.

Explore investing in Germany

Understand the German pension system Explore compound interest See the effect of investment fees

Compare job offers and travel card fees.

Two illuminated glass panels representing side-by-side comparisons

Does the higher salary leave you with more?

Save two job offers, add your own rent and monthly costs, and compare what remains. Download the figures with their assumptions.

Compare two job offers

2026 estimates for supported regular employment. No church tax or bonuses.

What would your card charge on this trip?

Enter purchases and ATM withdrawals. Compare selected currency and cash fees for Amex Blue, Bank Norwegian Visa and GenialCard.

Calculate travel card fees

Selected transaction fees only. Interest, exchange-rate differences and external ATM fees excluded.

From a money question to a next step

Find the contextRead a guide for the decision you are facing.
Test your numbersOpen the matching calculator and adjust the assumptions.
Keep a recordSave the relevant sources, documents or scenario results.

ONE QUESTION AT A TIME

Find your guide to finance in Germany.

Search this selection of guides and tools, or browse a topic.

Open a bank account

Documents, account types and the steps to get started.

Find your German tax ID

Understand the number, the letter and where to look.

Understand health insurance

Explore statutory and private cover and the questions to check.

Plan your cost of living

Build a budget around housing, bills and your own circumstances.

Start learning about investing

Understand the context before choosing an investment or platform.

Understand German pensions

Read the system, your record and the limits of projections.

Understand income tax

Learn how income tax fits into your financial life in Germany.

Check liability cover

Understand what a policy covers and which exclusions matter.

Register your address

Prepare for Anmeldung and find the relevant documents.

Compare travel card costs

Explore selected card fees, repayment and eligibility.

Understand minijobs

Read the rules, deductions and health-cover context.

Explore investment fees

See how charges affect an illustrative long-term scenario.

Free financial calculators for Germany

Plan a savings goal, estimate your take-home pay or see how fees affect your investments.

Explore all calculators

Can I reach my savings goal on time?

Enter a goal and your monthly plan to see where you’ll land.

Simple savings projection with no interest, investment returns or fees.

Projected after 18 monthsShort by €2,100

€7,900

€2,500 savedGoal €10,000

Monthly savings needed: €416.67
Time at your planned rate: 25 months

Save €116.67 more per month to reach your goal in 18 months.

Explore more calculators

Salary calculatorEstimate your German take-home pay.Compound interestExplore contributions, fees and inflation over time.Investment feesSee how costs can change the long-term picture.Emergency fundExplore your cash buffer and saving plan.Monthly budgetBring income, bills and saving plans together.Mortgage calculatorExplore payments and the debt left after a fixed-rate period.

Compare investment tools: savings plan, goal or fees

Fabian BeiningFounder · Berlin

Why I built Finanz2Go

8+ years: in finance, including professional investment advice
10+ years: investing my own money
1,000+: expats I advised

I kept hearing the same questions from people moving to Germany. Many came up long before anyone had a portfolio to manage. I built this portal so people who are just starting to save can find answers in English and work through the numbers themselves.

Today I focus on financial education and building tools that make costs, trade-offs and savings goals easier to understand. I’m exploring where AI can make those resources easier to find and use.

Read my story Editorial policy How Finanz2Go makes money

Already a Finanz2Go client? Find your contact details here.

BEFORE YOU GET STARTED

A few useful answers.

Know what this portal can help with and where its limits are.

Where should I start if I have just moved to Germany?

Start with our new-arrival checklist, then explore address registration, a bank account, your tax ID and health insurance. The order and requirements depend on your situation.

Are the calculators free to use?

Yes. The public calculators can be used without signing up. Read each tool’s assumptions and exclusions before interpreting a result; the numbers are illustrative estimates.

Does Finanz2Go provide personal financial advice?

Finanz2Go is an English-language information portal. Personal financial advisory services are no longer offered. Existing clients can find the relevant details on the client information page.

How is the content prepared and funded?

Read our editorial policy for sourcing and corrections, and how Finanz2Go makes money for funding information. Product terms and individual circumstances can change.