Personal Finance For Expats In Germany

PerFinEx GmbH Is the #1 English-Speaking & Independent Financial Planner in Germany. We Bring You the Financial Advice You Want, Need, and Deserve.

We're here to help you

Our mission is to bring professional, easy-to-understand financial advice to all expats living in Germany. By putting your interests first we make sure that you get the best financial future you can possibly have.

Secure a free online meeting with us

Personal finance in Germany can be difficult – especially as an expat with limited German language skills. We make your financial planning as easy as possible. All you need is a device that is connected to the internet to secure a free online meeting with us.

Insurance in Germany

Insurances play an important role in your financial wellbeing, as they provide financial security for you and your loved ones when it matters most. The large amount of different insurances in Germany confuses you? We will bring clarity to what you really need.

Investing in Germany

Do you want your money to work for you instead of the other way round? Investing in Germany will set you up for financial success & the right investment strategy will help you achieve your financial goals despite 0% interest rate.

Personal Finance for you - 1 video at a time

Every Friday we publish a video explaining all things personal finance in Germany (insurance, investing, pension, real estate & taxes). Subscribe to our YouTube channel and start improving your financial future today by watching one video at a time.

Pension in Germany

Germany’s diverse pension schemes will help you secure income throughout your entire life so you can enjoy your well-deserved retirement – even if you decide not to retire in Germany. You can even save some taxes with German pensions!

Personal Finance in Germany PerFinExplained

Do you think personal finance in Germany is difficult to understand with all the complicated German rules & regulations? Not if it is PerFinExplained by PerFinEx – the #1 English-speaking & independent financial planner in Germany.

How you benefit from working with perFinEx

PerFinEx GmbH is fully regulated in insurance, investments, and loans according to § 34 German trade regulations (Gewerbeordnung) & supervised by the German Chamber of Commerce and Industry (IHK).

No additional costs

As we are paid in government regulated commissions, working together with us comes at no additional costs to you.

Licensed & regulated

PerFinEx is fully regulated in all 3 different fields of personal finance and compliant with German financial laws.

Independent for you

PerFinEx is an independent broker working on behalf of its clients with +500 banks & hundreds of insurance companies.

we focus on your personal financial goals

We help our clients to reach financial success by putting their interests first. See what our clients from around the globe say about working with us & how we helped them to improve their financial future.

I first got in touch with Axel through his YouTube channel, then we arranged a meeting and he was super helpful and explained everything to me. I really value his patience and work ethic. I can recommend him for all expats living in Germany!

Google recession 1
5/5

Luis Alfonso González

Axel from PerFinEx helped me a lot with organising my Pension and other financial plans. Very patient, very professional and all in English! 🙂 Would highly recommend his service and Youtube channel

Google recession 2
5/5

Hadass Sternberg

It is a pleasure taking assistance from Axel. He is patient in explaining and and answering questions and has a clear communi-cation style. He also speaks in English which is a big bonus to expats in Germany. Would highly recommend to work with him.

Google recession 3
5/5

Rohit Rao

Axel is really knowledgable about the system in Germany and answered all of my questions. It was a nice time working with him to find a private health insurance and I will stay in touch with him to do more things in Germany in the future

Google recession 4
5/5

Yahia El Tai

Real Estate in Germany

Owning a home is one of the biggest financial goals – so is passive rental income from investing in rental properties. Real estate (investing) can be a wonderful tool for financial success when approached in a clever and strategic way – especially with the leverage effect.

Taxes in Germany

Germany has one of the highest tax rates in the world – which is bad news if you are working here. Good for you, that Germany also offers a lot of tricks to lower your tax bill in a completely legal way. You can save thousands of Euros every year!

Get in touch with us

Join our community by following us on our social media channels – or reach out to us by sending us a message.

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