Finanz2Go

Financial guides for expats & international residents

Personal finance
in Germany,
explained in English.

Understand banking, taxes, insurance, investing and retirement in Germany. Use practical English guides and free calculators to plan your next step.

Find your starting point Explore the calculators
Fabian BeiningThe person behind Finanz2Go
Blue and white illustration of a bank, home and protective shield connected by a path
Understand the essentialsGuides for your life in GermanyExplained in EnglishExplore the numbersInteractive tools, clear assumptions

Start with the question in front of you

Where are you in your Germany story?

You don’t need to learn everything at once. Find a starting point that fits today.

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 accountFind your German tax IDUnderstand 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 budgetExplore a cash bufferUnderstand 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 systemExplore compound interestSee the effect of investment fees

Try the numbers

Free financial calculators
for Germany

Change an assumption. See what moves. Explore salary, savings, costs and housing with practical tools for your life in Germany.

Explore all calculators

Each calculator explains its assumptions and limits. Results are illustrative scenarios, not personal recommendations.

A quick what-if

What could a cash buffer look like?

€6,000

€2,000 per month × 3 months

Illustration using €2,000 of essential costs per month, with no interest. Your own target depends on your circumstances.

Calculate with your own costs
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

Read the context behind the numbers

Financial guides
for life in Germany

Clear explanations of unfamiliar terms, practical steps and the details worth checking.

Browse all guides

Getting started

Where is my German tax ID?

Find the right number, check the official process and know what to do if the letter is missing.

Find your tax ID

Insurance

What does liability insurance cover?

Understand the scope, exclusions and conditions before you compare policies.

Read the liability guide

Retirement

What does my pension statement tell me?

Start with your insurance record and the difference between an entitlement and a projection.

Understand German pensions
Anmeldung: documents and registrationIncome tax in Germany, explainedCost of living: build a monthly budgetMinijob rules, deductions and health coverElterngeld: plan your family financesMoney transfers: compare the full cost
Fabian Beining, founder of Finanz2GoFabian BeiningFounder & operator · Berlin

A person behind the portal

Built to make an unfamiliar system easier to understand.

Finanz2Go brings English-language guides and practical tools together in one place. Meet the person behind the portal and see how its content is researched, written and maintained.

Meet Fabian How we prepare our content How Finanz2Go makes money

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