By Fabian Beining · Founder of Finanz2Go
Money in Germany, explained in English
Practical guides, transparent comparisons and free calculators for internationals living in Germany.
Find your starting point
What’s your biggest financial challenge right now?
Choose a topic to explore useful calculator scenarios.
Understand what you earn and what you may owe
Explore your estimated take-home pay and simplified investment-tax scenarios.
Explore how your savings could grow
Project a savings scenario, work backwards from a target, or compare the effect of investment fees.
Explore your retirement scenarios
Estimate a retirement-income gap, explore financial independence, or model withdrawals from an existing portfolio.
Start here
Make your next money question easier to answer
Choose the topic that matches the decision in front of you. Learn how the German system works, compare the details that matter, and test your assumptions with a calculator.
Clear boundaries: the guides and tools provide general information and scenarios. They do not recommend a product for your personal circumstances or promise a financial outcome.
Your questions
Find the answer you need next
Start with the part of your financial life that needs attention today. Each topic connects practical guides, comparisons and tools in plain English.
Banking
Find banking that fits your life in Germany, from access requirements to fees and everyday account features.
Explore banking ↗Investing
Understand goals, risk, costs, taxes and portability before you put your money to work.
Explore investing ↗Insurance
Know which risks a policy may protect—and which terms and exclusions you should check.
Explore insurance ↗Taxes
Make German investment taxes easier to understand before a return, distribution or sale.
Explore taxes ↗Retirement
Connect today’s saving decisions with the income and flexibility you may want later.
Explore retirement ↗Nine free scenario tools
See what your money could do
What could reach your bank account, how might your savings grow, and what could tax or fees change? Explore nine calculators for financial questions you face in Germany. Results are scenarios, not forecasts.
Salary calculator
Estimate what could reach your bank account each month within the supported 2026 scenarios.
Estimate net pay ↗ETF savings plan calculator
Explore how regular investing could build over time after entered fees and estimated tax.
Project your savings ↗Investment goal calculator
Work backwards from an after-tax target to an estimated monthly contribution.
Plan your contribution ↗Investment fee calculator
Compare how two fee structures could change what remains after tax.
Compare fees ↗Capital gains tax calculator
Estimate how German tax could affect an investment gain before a sale.
Estimate investment tax ↗Vorabpauschale calculator
Estimate the annual advance lump sum for one fund position and the tax that may follow.
Calculate the Vorabpauschale ↗Pension gap calculator
Compare expected pensions, planned spending and your entered private investments.
Explore your pension gap ↗FIRE calculator
Explore when investments could cover your spending under your assumptions.
Explore your FIRE scenario ↗Investment withdrawal calculator
Translate an entered portfolio into estimated net monthly income.
Model your withdrawals ↗Guides for better decisions
Read the context behind the numbers
A calculator can show a scenario. These guides help you understand the trade-offs, rules and questions that shape the decision.
Investing in Germany as an expat
Connect your goals with liquidity, risk, costs and cross-border constraints before choosing an investment.
Read the guide ↗Compare structuresPrivate pension or investment account?
Understand how access, costs, portability and retirement income can differ between two structures.
Compare the options ↗See the full costInvestment fees in Germany
Recognise product, platform, transaction and service costs before you compare outcomes.
Understand the fees ↗Commercial transparency
Know why a link is on the page
If Finanz2Go uses a commercial or affiliate link in the future, it should be clearly labelled where you see it. Compensation must not turn general information into a personal recommendation.
What you should be able to check
Which providers were considered, how they were selected, when the information was checked, which limitations matter and whether a link is commercial.
People and boundaries
Know who is behind Finanz2Go
See who writes the content, how the information is prepared and where general education ends.
Fabian Beining
Finanz2Go is owned and operated by Fabian Beining. His public role on this portal is Founder and Research Author.
Meet the person behind Finanz2Go ↗General information, clearly labelled
Guides and calculators explain concepts and scenarios. They do not assess your complete circumstances or replace personal investment, tax or legal advice.
Read the role and regulatory boundaries ↗