Money in Germany, explained in English
Practical guides, transparent comparisons and free calculators for internationals living in Germany.
A clearer route
From question to informed decision
Start here
A practical map for financial life in Germany
Finanz2Go helps international residents understand the systems behind everyday money decisions in Germany—from bank accounts and insurance to investing, taxes and retirement. Use the guides to frame the question, then use comparisons or calculators to test the details.
What this site does not do: it does not accept new advisory engagements, recommend a product for your personal circumstances or promise a financial outcome.
Five topics
Choose the part of money in Germany you need to understand
Published links lead to existing resources. New topic collections will be linked only after their own content and quality checks are complete.
Banking
Accounts, access requirements, fees and practical setup for international residents.
Explore banking in Germany ↗Investing
Purpose, liquidity, risk capacity, costs, taxes and international portability.
Explore investing in Germany ↗Insurance
Which risks matter, what policies cover and where exclusions change the decision.
Explore insurance in Germany ↗Taxes
Tax status, investment income, withholding, fund rules and cross-border questions.
Explore taxes in Germany ↗Retirement
Statutory records, cross-border periods, income gaps and private provision.
Explore retirement in Germany ↗Free scenario tools
Turn assumptions into numbers you can inspect
Calculator outputs are scenarios, not forecasts. Each tool should be read with its assumptions and limitations.
German capital gains tax
Estimate taxable gains, allowance use and a simplified terminal-sale tax result.
Open calculator ↗InvestingETF savings plan
Explore contributions, time, return and inflation assumptions.
Open calculator ↗RetirementPension gap
Compare a retirement-income target with entered pension assumptions.
Open calculator ↗Essential reading
Build context before comparing products
Investing in Germany as an expat
A practical framework for goals, liquidity, risk, costs and cross-border constraints.
Read guide ↗RetirementPrivate pension or investment account?
Compare two structures across access, costs, portability and longevity.
Read guide ↗CostsInvestment fees in Germany
Trace product, platform, transaction and service costs before comparing outcomes.
Read guide ↗How the portal may be financed
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Finanz2Go may later use clearly labelled affiliate links. This page does not claim a current provider relationship, commission rate or market-wide ranking. Any future commercial link must be disclosed close to the link and must not be presented as personal advice.
What readers should be able to verify
The providers considered, selection method, date checked, important limitations and whether a link is commercial. Compensation must not be the sole reason for an editorial order.
Responsibility
A named operator and visible editorial boundaries
Fabian Beining
Finanz2Go is owned and operated by Fabian Beining. His public role on this portal is Founder and Research Author.
About Finanz2Go ↗General information only
Content and calculators explain concepts and scenarios. They do not assess a reader’s complete circumstances or replace personal investment, tax or legal advice.
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