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

Does earning twice as much in Germany really mean paying twice the tax? We ran the real numbers - €50,000, €100,000, and €200,000 a year - against the official 2026 tax brackets and social security caps, and the answer isn't what either side of that argument expects. 😱

In this video, we break down exactly how German income tax, social contributions, and kalte Progression (cold progression) interact to decide what you actually keep from every additional euro you earn - using real math, not oversimplified rules of thumb.

We cover:
- The real difference between your marginal tax rate and your average tax rate - and why almost nobody in Germany can explain it, even though both numbers are on every payslip
- Why the Beitragsbemessungsgrenzen (social security contribution ceilings) mean your social contributions barely move between €100,000 and €200,000 - even though your income tax keeps climbing
- How kalte Progression has quietly pulled Germany's top tax rate down from roughly 20 times the average salary in the 1950s to just 1.4 times today
- The honest, worked-out answer to the double-salary-double-tax question

Is YOUR net salary right?
https://perfinex.de/calculator/net-salary/?utm_source=youtube&utm_medium=video&utm_campaign=double-salary-double-tax-germany

Free meeting with us:
https://perfinex.de/meeting/?utm_source=youtube&utm_medium=video&utm_campaign=double-salary-double-tax-germany

—
PerFinEx GmbH – Personal Finance for Expats
The #1 English-speaking & Independent Financial Planner in Germany
This video is for information and education purposes only and does not constitute individual financial, tax, or legal advice.
Further legal information is available at perfinex.de/impressum

#ExpatGermany #GermanTax #PersonalFinance

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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 Do You Pay Double Taxes on Double Salary?

Do You Pay Double Taxes on Double Salary?

There's a number between 100 and 999 that decides whether you get an apartment, a phone contract, or a loan in Germany — and since 2026, it works completely differently. Built from 12 categories almost nobody understands, this is the new SCHUFA score.

Axel is an independent financial advisor with 10 years in this business. You'd think he'd have a perfect score. In this video, he reveals his own SCHUFA score live, category by category — so you know exactly how to read yours, and what to actually do about it.

🔗 Check your own SCHUFA score:* https://perfinex.de/goto/bonify/?utm_source=youtube&utm_medium=video&utm_campaign=schufa-score-germany

📞 Free Meeting With Us: https://perfinex.de/meeting/?utm_source=youtube&utm_medium=video&utm_campaign=schufa-score-germany

* This is an affiliate link from which we will earn an affiliate commission or referral bonus (depending on the company). By clicking the link, you support our project at no additional costs for you. We thank you very much for your support. As of the date of posting this video, the content is accurate. Some offers may be no longer available.

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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 The Number That Controls Your Life in Germany

The Number That Controls Your Life in Germany

Submitting a 50€ medical bill to your German health insurance could cost you THOUSANDS of Euros in lost cashback. In this video, we decode Beitragsrückerstattung - Germany's premium refund system - so you know the exact math on when to pay bills out of pocket and when to let your insurance cover them. 🤑

We compare both the public and private systems, uncover hidden deductible traps, and explain how high-earning expats can use the "Angestellten-Privileg" to maximize their annual net returns.

💡 What You Will Learn

✅ The Core Mechanism: How insurance companies save administrative costs by rewarding you with cash refunds for keeping minor claims out of the system.

✅ Public Insurance Rules: The difference between Wahltarif bei Leistungsfreiheit (capped at 1 month / 600€) and Wahltarif mit Selbstbehalt (deductible risk vs. cashback).

✅ Private Insurance Advantages: Guaranteed (erfolgsunabhängig) vs. profit-dependent (erfolgsabhängig) refunds that can reach up to 30% or 4 monthly premiums.

✅ The Employee Lever: How employed expats collect 100% of the cash refund even though their employer pays 50% of the monthly insurance premium.

✅ Tax Backwash (Sonderausgaben): How insurance refunds affect your income tax return with the Finanzamt.

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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

5:04 NEVER Send Medical Bills to Your Health Insurance

NEVER Send Medical Bills to Your Health Insurance

100€ free shares with Trading212:* https://perfinex.de/goto/trading212
+ 4,2% annual interest (paid daily). Includes a new customer bonus for 4 months, thereafter 2,8% (variable). Terms apply & activation required. Money held in money market funds and with partner banks. When investing, your capital is at risk.

Paying too much in fees, leaving money on the table at tax time, and being underinsured where it actually matters - these are 3 mistakes we see constantly among expats living in Germany. 😱

None of them show up on a bank statement. All 3 get more expensive every year they go unfixed.
In this video, we break down 3 financial mistakes that are extremely common among expats in Germany - not because anyone is careless, but because nobody explains the German system to you before you make these decisions.

Free Contract Check:
https://perfinex.de/contract-check/?utm_source=youtube&utm_medium=video&utm_campaign=financial-mistakes-expats-germany/

* This is a paid partnership - PerFinEx receives a fee for this placement. Interest rate is variable and can change; capital at risk on any invested assets. See Trading212's terms for full details.

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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

9:44 3 Mistakes That Are Costing Expats in Germany Thousands

3 Mistakes That Are Costing Expats in Germany Thousands

Two state elections. Two completely different results. And a chancellor polling worse than anyone since Germany started measuring this. 😱 Here's what actually happened this weekend - and what it means for the next four years.

On September 20, 2026, Mecklenburg-Vorpommern and Berlin both went to the polls. In MV, the AfD won again - and the CDU was locked out of a state parliament for the first time in its history. In Berlin, the opposite happened: Die Linke became the strongest party, only the second time that's ever occurred nationwide. Meanwhile, Chancellor Friedrich Merz is now one of the least popular chancellors Germany has measured - and his party's collapse and his approval rating aren't two separate stories.

This video breaks down both results, why Germany's political center keeps losing ground to both the left and the right, and what - if anything - actually changes for you if this pattern reaches the federal government in 2029.

We cover:
✅ The final results and seat math in Mecklenburg-Vorpommern and Berlin, explained in plain numbers
✅ Why the CDU's Berlin mayor isn't running again - and the scandal behind it
✅ Chancellor Merz's historic unpopularity, and how it compares to Scholz and Merkel
✅ The 50-year structural trend behind why Germany's establishment parties keep shrinking
✅ Which state elections in 2027 and 2028 will show whether this pattern is spreading
✅ What the AfD's own program says about skilled-worker immigration, the Blue Card, and naturalization - and what's legally protected regardless of who governs

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.

Catch up on the story so far:

AfD Just Won in Germany - Here's What Changes for You (Sachsen-Anhalt):
https://youtu.be/MoxU12-sH7o

What Happens If AfD Wins in 2026? (the original):
https://youtu.be/jHtb6QWSz_8

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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

8:51 AfD Wins Again: What is Happening in Germany?

AfD Wins Again: What is Happening in Germany?

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

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…

1 2 3 4 5 … 15 16 17 18 Next »

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