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.

Feather got interviewed by PerFinEx

Important Insurances in Germany

Important Insurances in Germany Interview with Julian Hennig (Head of Insurance – Feather) about the structure and future of German health insurance and important insurances in Germany. Table of contents...

Liability Insurance

How To Find The Best German Liability Insurance

How To Find The Best German Liability Insurance A private liability insurance will protect you against any third party claims. But which private liability insurance in Germany is the best...

Private Health Insurance

How To Select The Right Private Health Insurance

How To Select The Right Private Health Insurance Many expats living in Germany choose private health insurance over public health insurance. What is really important when choosing a private health...

German Payslip

German Payslip: Employed Vs Self-employed

German Payslip: Employed vs self-employed When working in Germany, you will pay social security and taxes directly from your German payslip. How much net income is left from your gross...

Techniker Krankenkasse Exposed

Techniker Krankenkasse Exposed

Techniker Krankenkasse Exposed Techniker Krankenkasse is one of the largest German public health insurance. Many expats living in Germany are insured with TK. But are they lying to you? 😱...

Public Or Private Health Insurance

Public Or Private Health Insurance In Germany

Public Or Private Health Insurance In Germany? Many people living in Germany wonder which health insurance system is better for them. Public or private health insurance? How much can you...

Health Insurance in Germany

Health Insurance in Germany: Public vs. Private

Health Insurance in Germany: Public vs Private Travel health insurance, public health insurance, or private health insurance. Germany has many different health insurances. Which health insurance is best for you?...

Social security system

German Social Security System Explained

German Social Security System Explained Many people believe that health insurance in Germany is free. In reality, it’s not. 😱 Employees pay about 20% of their gross salary into the...

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.

Real Estate In Germany For 1€

Real Estate In Germany For 1€

Real estate in germany for 1€ with security tokens Real Estate Security Tokens will revolutionize the German Real Estate industry by making investing in German properties easier, cheaper, and more...

Passive Income

Passive Income In Germany

3 Ways To Earn Passive Income In Germany You would rather live on passive income instead of working for your money, right? But is living just on passive income really...

Investing in Real Estate

5 Affordable Ways To Invest In Real Estate

5 Affordable Ways To Invest In Real Estate Real estate prices (in Germany) have increased tremendously in the last years. Our 5 ways to invest in real estate will show...

Psychology of investing

How to Invest in Germany: Psychology of Investing

How to Invest in Germany: Psychology of Investing Our “Investing in Germany” series is designed to make you a true investing expert. In this article about the Psychology of investing,...

Investing Fails

How to Invest in Germany: 8 Investing Fails

How to Invest in Germany: 8 Investing Fails Nobody likes to fail and do mistakes. That’s why this article will include the 8 investing fails you definitely want to avoid...

Taxes on Investments

How to Invest in Germany: Taxes on Investments

How to Invest in Germany: Taxes on Investments In this post, you will learn about taxes on ETFs, real estate, pensions, and other investment options. Just enough so you know...

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!

German Payslip

German Payslip: Employed Vs Self-employed

German Payslip: Employed vs self-employed When working in Germany, you will pay social security and taxes directly from your German payslip. How much net income is left from your gross...

5 Types Of Company Pension In Germany

5 Types Of Company Pension In Germany

5 Types Of Company Pension In Germany A company pension (betriebliche Altersvorsorge) will help employees in Germany to save for their retirement with free money from their employer & the...

German Pension Level 3

German Pensions Level 3

German Pensions Level 3 German pensions level 3 are as flexible as it gets and that’s why they might be the perfect pension level for expats. You will be surprised...

German Pension Level 2

German Pensions Level 2

German Pensions Level 2 Pensions level 2 are the perfect pensions for families as they offer a lot of free money in terms of tax benefits & government bonuses. But...

German Pension Level 1

German Pensions Level 1

German Pensions Level 1 Pensions level 1 offer by far the highest tax benefits of all German pensions. And that’s just one of many benefits of pensions level 1. But...

German Pensions

Which German Pension Is Best for You?

Which German Pension Is Best For You? Pensions in Germany can be a great way to save money for the long term, even if you do not want to spend...

Pension system in Germany

Pension System in Germany Explained

Pension System in Germany Explained Germany’s pension system is considered to be very complex. We will help you understand pensions in Germany by dividing the German pension system in 3...

Social security system

German Social Security System Explained

German Social Security System Explained Many people believe that health insurance in Germany is free. In reality, it’s not. 😱 Employees pay about 20% of their gross salary into the...

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.

High Inflation In Germany

5 To Do’s Against High Inflation

5 To Do’s Against High Inflation With inflation in the EU & Germany being at record highs, you might wonder what you can do to protect your hard-earned money. Our...

German Payslip

German Payslip: Employed Vs Self-employed

German Payslip: Employed vs self-employed When working in Germany, you will pay social security and taxes directly from your German payslip. How much net income is left from your gross...

German Bausparvertrag

German Bausparvertrag Explained

German Bausparvertrag Explained Many expats living in Germany get a Bausparvertrag without understanding what it really is. Is a Bausparvertrag a good option to save for a future real estate...

Social security system

German Social Security System Explained

German Social Security System Explained Many people believe that health insurance in Germany is free. In reality, it’s not. 😱 Employees pay about 20% of their gross salary into the...

German Payslip

German Payslip Explained

German Payslip Explained Payslips in Germany are pretty confusing with a lot of numbers and abbreviations. Many expats are surprised when they see that almost half of their gross salary...

Global Money Transfer

Transfer Money to Germany & Money from Germany

Transfer Money to Germany & from Germany Money transfers within Germany or the European Union are free & fast when using SEPA. See in this article how you can transfer...

More net Income

More Net Income In Germany

5 Tips for More Net Income in Germany A lot of expats are complaining about how much taxes and social security they have to pay in Germany. Our 5 tips...

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.

German real estate in 2022

Real Estate In 2022

Real Estate In 2022 The German property market has been great with tremendous returns in the past. But how about real estate in the future? Is it the right time...

Best Bausparvertrag in Germany

Bausparvertrag With Lowest Mortgage Rate

Bausparvertrag With Lowest Mortgage Rate Interest rates for real estate financing have quadrupled in Germany over the last months. Is this the right time to secure the lowest possible mortgage...

Voting For Security Token

Voting For GermanReal.Estate Security Token

Voting For GermanReal.Estate Security Token GermanReal.Estate was started so expats could invest in properties in Germany in the easiest way possible. Now you can vote on which property we are...

Real Estate Interview

Future Of The German Real Estate Market

Future of the German real estate market Interview with Tobias Hänschke (Management board of FiveRocks Development SE) on the development of the German real estate market in the near future....

Real Estate In Germany For 1€

Real Estate In Germany For 1€

Real estate in germany for 1€ with security tokens Real Estate Security Tokens will revolutionize the German Real Estate industry by making investing in German properties easier, cheaper, and more...

German Bausparvertrag

German Bausparvertrag Explained

German Bausparvertrag Explained Many expats living in Germany get a Bausparvertrag without understanding what it really is. Is a Bausparvertrag a good option to save for a future real estate...

Passive Income

Passive Income In Germany

3 Ways To Earn Passive Income In Germany You would rather live on passive income instead of working for your money, right? But is living just on passive income really...

Investing in Real Estate

5 Affordable Ways To Invest In Real Estate

5 Affordable Ways To Invest In Real Estate Real estate prices (in Germany) have increased tremendously in the last years. Our 5 ways to invest in real estate will show...

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!

German Tax Guide 2022

German Tax Guide 2022

German Tax Guide 2022 It’s tax season! So time to file your German tax declaration which will secure you on average 1.051€ tax money. Our Tax Guide will help you...

German Payslip

German Payslip: Employed Vs Self-employed

German Payslip: Employed vs self-employed When working in Germany, you will pay social security and taxes directly from your German payslip. How much net income is left from your gross...

Tax Tricks In Germany

6 Legal Tax Tricks In Germany

6 Legal Tax Tricks In Germany Do you feel that you pay too many taxes in Germany? Our 6 legal tax tricks will help you to take advantage of the...

Income tax in Germany

Income Tax in Germany Explained

Income Tax in Germany Explained Germany has one of the highest tax rates in the world. Employees are paying a lot of taxes – maybe even too much taxes. 😱...

German Payslip

German Payslip Explained

German Payslip Explained Payslips in Germany are pretty confusing with a lot of numbers and abbreviations. Many expats are surprised when they see that almost half of their gross salary...

Taxes on Investments

How to Invest in Germany: Taxes on Investments

How to Invest in Germany: Taxes on Investments In this post, you will learn about taxes on ETFs, real estate, pensions, and other investment options. Just enough so you know...

More net Income

More Net Income In Germany

5 Tips for More Net Income in Germany A lot of expats are complaining about how much taxes and social security they have to pay in Germany. Our 5 tips...

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