Independent Financial Advice
for Expats in Germany

Navigate the complex German tax, insurance, and investment system with unbiased, expert guidance. Built specifically for international professionals. Ask our AI assistant your immediate questions, or book a free review with our human advisors.

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Trusted by Expats from all over the world

      EXCELLENT  
   Based on 168 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Bharath Reddy 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience using Perfinex for my private health insurance needs. The whole process was clear and easy to follow, and the recommendations were genuinely tailored to what I was looking for. I definitely recommend their service.
  
 
      Posted on Google  
   
   Piero Piccone 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sascha helped me a lot with my private health insurance application. He took the time and had the patience to explain everything clearly and answer every question I had, both by email and through as many meetings as necessary. He was always very professional, understanding, and transparent throughout the entire process. I highly recommend him!
  
 
      Posted on Google  
   
   Kushal Kulkarni 
 
 
 
 Trustindex verifies that the original source of the review is Google. Axel is a great german health insurance consultant. They answered all my questions. The entire process was super smooth and cost free and yet super professional. He also spoke English which made it very easy for me.
  
 
      Posted on Google  
   
   KHALID ANJUM 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Sascha and the PerFinEx GmbH team! As an expat in Germany, navigating the financial system can be quite challenging, but their consulting services made a huge difference. They genuinely improved my financial literacy, breaking down various asset classes from equities to real estate in a clear way. Their deep domain knowledge is impressive, especially when explaining the tax benefits of different investments. Thank you for the excellent support and guidance!
  
 
      Posted on Google  
   
   Yuval Nissan 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a meeting with Axel about a disability insurance, and it found the service really nice and efficient. He explained everything and found a good provider. Would definitely recommend. Would also recommend his YouTube channel for further financial information about life in Germany.
  
 
      Posted on Google  
   
   Yashveer Singh 
 
 
 
 Trustindex verifies that the original source of the review is Google. I aligned with Jan to explore my investment options and I am very happy and satisfied with all the support and clarification I got from him about all my questions about Real-Estate investment and long term returns. I would always recommend PerFinEx guys to plan and start long term investment as they have the knowledge and custom solution for everyone based on requirements.
  
 
      Posted on Google  
   
   gaurav gupta 
 
 
 
 Trustindex verifies that the original source of the review is Google. Have had multiple sessions with PerFinex. Very knowledgeable guys and easy to approach.
  
 
      Posted on Google  
   
   Κωνσταντίνος Λαμπράκης 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sascha is a very helpful, easy going person who could understand my needs and provides good arguments. He was responsive and accessible. Thanks!

What are you interested in?

Health Insurance

Find the perfect public or private health insurance plan tailored to your specific visa and income status.

Insurance

Protect your family and your income with essential liability, legal, and disability coverage in Germany.

Investing

Grow your wealth locally and globally with smart, tax-optimized ETF portfolios and investment strategies.

Pension

Secure your retirement with private and company pension plans designed for the flexibility expats need.

Real Estate

Navigate the German property market safely and secure the absolute best mortgage rates for your new home.

Taxes

Stop leaving money on the table. Optimize your tax declarations and plan your financial future with maximum efficiency.

How It Works

Initial Consultation

We start by listening. In a free meeting, we discuss your unique situation, financial goals, and specific needs as an expat in Germany.

Tailored Strategy

Based on your input, we analyze the market and design a personalized, step-by-step financial blueprint optimized exclusively for your life and career.

Execution & Support

We handle the complex paperwork and put your plan into action. As your life evolves, we stay by your side with ongoing monitoring and proactive support.

Start Step 1 Now

Watch & Learn: Essential Finance Guides For Expats

There's an exact day when your German employer stops paying you if you're sick — and most expats have no idea which day it is, or what happens next. 😱

If you get sick in Germany, your salary doesn't just disappear overnight — but it also doesn't stay the same. We walk through the real timeline:
Qhat your employer pays, what the state actually replaces it with, the hard legal cap almost nobody knows about, and what's genuinely left if you're still unable to work months later. It's a system that's well-designed — but it was only ever built to cover the basics.

We cover:
✅ Entgeltfortzahlung: your full salary for the first 6 weeks — and the one exception almost nobody knows about
✅ Krankengeld: the exact percentage of your salary you get from day 43 onwards, and the hard cap that hits high earners hardest
✅ The real difference between public and private health insurance when it comes to long-term sick pay
✅ What actually happens to your income if you're still unable to work after Krankengeld runs out
✅ Why "I just sit at a desk" doesn't protect you — the real data on who becomes unable to work, and why
✅ How to see this with your own numbers instead of our example: free calculator linked below

This isn't a scare tactic. It's the same principle you'll find throughout the German system: the state builds the floor — you have to build the roof yourself.

🔗 Free calculator — see your own numbers:
https://perfinex.de/calculator/sick-pay-krankengeld/?utm_source=youtube&utm_medium=video&utm_campaign=/sick-pay-germany/

🔗 Book a free, no-obligation call:
https://perfinex.de/meeting/?utm_source=youtube&utm_medium=video&utm_campaign=/sick-pay-germany/

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PerFinEx GmbH - Personal Finance for Expats
The #1 English-speaking & Independent Financial Planner in Germany
Further legal information is available at perfinex.de/impressum

8:49 The Day Your German Salary Stops

The Day Your German Salary Stops

Germany just started sharing your bank account data with 118 countries - automatically. 😱
Here are 5 more changes hitting your money in Germany right now, plus what's already locked in for 2027.

In this video, we break down:
✅ Germany's automatic bank data exchange with 118 countries - and what it means if you haven't declared foreign income
✅ The tax filing penalty (Verspätungszuschlag) that could catch you off guard this October
✅ The September 30 deadline to cancel insurance contracts before they auto-renew for another year
✅ What the 2027 health insurance reform means for your Zusatzbeitrag, dental coverage, and prescriptions
✅ Germany's minimum wage rising to €14.60/hour from January 2027 - and why it matters even if you don't earn minimum wage

📅 Book a free 1-on-1 strategy call:
https://perfinex.de/meeting/?utm_source=youtube&utm_medium=video&utm_campaign=financial-changes-october-2026-germany

📋 Free contract check:
https://perfinex.de/contract-check/?utm_source=youtube&utm_medium=video&utm_campaign=financial-changes-october-2026-germany

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PerFinEx GmbH - Personal Finance for Expats
The #1 English-speaking & Independent Financial Planner in Germany
Further legal information is available at perfinex.de/impressum

5:25 5 Changes Coming to Germany in October 2026

5 Changes Coming to Germany in October 2026

Germany's public health insurers just lost more than €170,000,000 of your contributions — and you're the one paying for it through a rising Zusatzbeitrag. Here's exactly how it happened, why it's a symptom of a much bigger problem, and what you can actually do about it.

In July 2026, Tagesschau revealed that at least 17 German statutory health insurers (Krankenkassen and KVen) invested member contributions into a Luxembourg real estate fund — even though German law requires these investments to be virtually loss-proof. By August, confirmed losses had climbed to nearly €220 million across 28 institutions, with insiders estimating the real exposure at over €500 million. Several insurers are now suing the financial firms behind the fund in Frankfurt.

But the scandal is only the visible part of a much bigger structural problem: Germany's public health system (GKV) is running low on reserves, spending is rising faster than expected, and a new law is already cutting benefits to close the gap — which is exactly why your Zusatzbeitrag keeps climbing regardless of which Kasse you're with.

In this video:
– How the Verius investment scandal actually worked, and who's involved
– Why your Krankenkasse's Zusatzbeitrag keeps rising even if it wasn't part of the scandal
– The rule almost nobody uses to switch to a cheaper Kasse mid-year
– Bonusheft, Vorsorge, and Beitragsrückerstattung: concrete ways to cut your health insurance costs, public or private
– What actually happens to your money if you're privately insured (PKV) — and what doesn't

Compare your Krankenkasse's Zusatzbeitrag against 72 others in under a minute:
👉 https://perfinex.de/calculator/public-health-insurance/?utm_source=youtube&utm_medium=video&utm_campaign=public-health-insurance-losses-germany

Not sure whether public or private insurance makes more sense for your situation? Book a free introductory call:
👉 https://perfinex.de/meeting/?utm_source=youtube&utm_medium=video&utm_campaign=public-health-insurance-losses-germany

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PerFinEx GmbH - Personal Finance for Expats
The #1 English-speaking & Independent Financial Planner in Germany
Further legal information is available at perfinex.de/impressum

8:09 German Health Insurers Lost €170 Million – And YOU Are Paying For It

German Health Insurers Lost €170 Million – And YOU Are Paying For It

The AfD just won Sachsen-Anhalt's election with 44% of the vote — but missed an outright majority by just 3 seats. Here's what the result actually changes for expats and internationals living in Germany. 🤓

On September 6, 2026, the AfD became the strongest party in the Sachsen-Anhalt state election (Landtagswahl) with almost 44% of the vote — more than double their 2021 result. Record voter turnout, a historic collapse for the CDU, and one small party that may hold the key to who governs next.

This video breaks down what actually happened, whether the AfD can form a government, and — most importantly — what does and doesn't change for your visa, your taxes, and your life in Germany.

We cover:
✅ The final result and seat count, explained in plain numbers
✅ What a coalition against the AfD would actually require — and why it's harder than the math suggests
✅ Whether BSW and Sahra Wagenknecht could become the AfD's path into government
✅ What a state government can legally control — and what it can't touch: your residence permit, Blue Card, and taxes
✅ Why the Mecklenburg-Vorpommern election on September 20 could turn this into a much bigger story

This is not a political opinion video. We look at this the same way we look at every law and policy change in Germany: What it means for your money and your life, based on facts, not headlines.

Official election results: Landeswahlleiterin Sachsen-Anhalt
https://wahlergebnisse.sachsen-anhalt.de/wahlen/lt26/erg_land.html?v=1788874024597

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PerFinEx GmbH - Personal Finance for Expats
The #1 English-speaking & Independent Financial Planner in Germany
Further legal information is available at perfinex.de/impressum

8:31 Far-Right AfD Wins Big in Germany: This will Change for You

Far-Right AfD Wins Big in Germany: This will Change for You

9:31 The Truth About Germany’s Altersvorsorgedepot

The Truth About Germany’s Altersvorsorgedepot

Many expats believe that buying a property through a foreclosure auction (Zwangsversteigerung in German) is the ultimate secret to securing real estate up to 50% below market value.

Winning an auction feels amazing, but what happens when you discover mold, or when the court seizes your personal assets because your bank loan was delayed? 🤔

In this video, we break down the reality of German foreclosure auctions. We walk you through the 6 legal phases, calculate the real savings (including notary and agent fee discounts), and expose the risks that cause seasoned local German real estate investors to proceed with extreme caution.

What You’ll Learn in This Video:

✅ The 6 Phases Speedrun: From the court seizure (Anordnungsbeschluss) to the final distribution date (Verteilungstermin).

✅ The Financial Upside: How to buy below market value (Verkehrswert) while saving thousands on notary fees and real estate agent commissions.

✅ The "Katze im Sack" Risk: Why you have ZERO legal right to inspect the property interior before bidding.

✅ Zero Warranty (§ 56 ZVG): What happens when you inherit asbestos, structural defects, or unpaid HOA (WEG) debts.

✅ The Financing Trap: Strict court deadlines, immediate 4% penalty interest, and liability with your personal assets.

✅ The Action Plan: A 3-step strategy to safely evaluate foreclosure properties before placing a live court bid.

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PerFinEx GmbH - Personal Finance for Expats
The #1 English-speaking & Independent Financial Planner in Germany
Further legal information is available at perfinex.de/impressum

5:18 Buying German Real Estate at 50% Off (Zwangsversteigerung)

Buying German Real Estate at 50% Off (Zwangsversteigerung)

Prefer Reading? Master Your Finances With Our In-Depth Articles

What Happens To Your Salary When You Get Sick in Germany (The Complete Guide)

17. September 2026

Get sick in Germany and your income changes fast. See the exact timeline, the Krankengeld…

Financial Changes In Germany: October 2026 Update

16. September 2026

5 big financial changes hit expats in Germany this October 2026! From global bank data…

German Health Insurers Lost €170 Million: How It Impacts Your Money

13. September 2026

German public health insurers lost millions in real estate investments. Learn why costs are rising…

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Got Questions? We Have Answers

Do I need to speak German to work with you?

Not at all. Our entire team operates in English, and we translate complex German financial and legal jargon into clear, actionable advice. All our consultations and support are fully in English.

How much does the initial consultation cost?

The initial discovery session is completely free of charge. We use this time to understand your unique situation, assess your goals, and determine exactly how we can add value to your financial life before you make any commitments.

Are you tied to specific banks or insurance companies?

No, we operate as independent brokers (Makler). Under German law, this official legal status strictly obligates us to act solely in your best interest—not the interests of any bank or insurance provider. We scan the entire market to find the exact solutions that fit your specific needs, rather than pushing proprietary products. You can transparently verify our fully regulated status at any time via the official German intermediary register (vermittlerregister.info).

Do you only help with the setup, or do you provide ongoing support?

We build long-term partnerships. While we handle the complete initial setup and paperwork, we also stay by your side to monitor your portfolio, adapt your strategy as your life changes, and assist with future claims or tax optimizations.

Is hiring a financial advisor really worth it compared to doing it myself?

While managing your own finances is certainly possible, independent research from leading institutions like Vanguard and Morningstar consistently shows that professional financial advisors add around 3% in net annual returns to client portfolios. We add measurable value far beyond just picking investments—through strategic tax optimization, sophisticated asset allocation, and protecting you from costly emotional mistakes like market timing. Ultimately, professional financial planning is an investment that pays for itself.

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Independent Financial Advice for Expats in Germany