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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.
Health Insurance in Germany
Health Insurance in Germany plays an important role in providing security for you and your loved ones. We will bring clarity which health insurance is best for your situation.
Health Insurance in 2022 vs. 2023: Who Increased More?
The government is the biggest scammer of all time – why? 😱 Let’s find out together in this article as...
Family health insurance – Helpful advice for expats
If you get free family health insurance depends on the exact job situation or your family. We take a deeper...
Dental insurance Germany – What you need to know
Visiting the dentist in Germany or getting a tooth replacement can be really expensive in Germany. Learn the benefits and...
How To Pay Less For German Health Insurance
German health insurance is pretty expensive. Especially the PUBLIC health insurance with the increased costs of 2023. Everyone in Germany...
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.
Important insurances in Germany
Interview with Julian Hennig (Head of Insurance - Feather) about the structure and future of German health insurance and important...
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...
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...
Techniker Krankenkasse Exposed
Techniker Krankenkasse is one of the largest German public health insurance. Many expats living in Germany are insured with TK....
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 vs. Stocks & ETFs: Which should you invest in?
Should you invest in real estate or in the stock market? 🤔 Both investment options can be really profitable for...
How Germans Would Invest 100.000€
There’s no doubt about it – 100.000€ is life-changing money! But how can you make sure that you are investing...
Pay off mortgage or invest? – A helpful comparison
When you have money, should you pay off your mortgage or invest the money? If you pay off your house,...
Help! My Investments are down
Let’s have a look at an investor who has lost 76% of his portfolio value during this year.
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 Public Pension: What You Will Get When
If you work in Germany, you are paying 18,6% of your salary into the German public pension system – but...
How to save for retirement in Germany –
The German public pension seems to be completely sufficient. However, this is not the case. That's why we describe for...
Tax-Free pension in Germany
Does the German tax-free pension exist? 🤔 In this blog post, you will learn about the taxation of all different...
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...
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.
Moving to Germany – A complete guide for expats
You want to move to Germany? Then you need to do all 9 steps on our list "Moving to Germany"....
How to find a financial advisor – What to look out for
When choosing a financial advisor (in Germany) there are a couple of fundamental decisions that will help you to select...
2 Deductions From Your German Payslip
Your gross salary is NOT what you get paid as net income to your bank account. Grab your German payslip...
Social Security Payments 2023
German social security payments in 2023 will increase in two different ways: everyone will have to pay a higher percentage...
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!

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

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.

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

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.
Real Estate vs. Stocks & ETFs: Which should you invest in?
Should you invest in real estate or in the stock market? 🤔 Both investment options can be really profitable for...
German Real Estate Market– Explained By Experts
Interview with the board members of FiveRocks Development SE about the development of the German real estate market in 2023,...
Pay off mortgage or invest? – A helpful comparison
When you have money, should you pay off your mortgage or invest the money? If you pay off your house,...
One euro houses in Germany – Is it a real option?
The Italian government offers the possibility to buy real estate for just a single euro. In this article we will...
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!
Ultimate German Tax Guide 2023
Filing your taxes in Germany will get you on average 1.072€ from Finanzamt. 🤑 In this ultimate German tax guide...
2 Deductions From Your German Payslip
Your gross salary is NOT what you get paid as net income to your bank account. Grab your German payslip...
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....
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...
FAQ
As long as you are not sure which insurance you need or how to provide for your old age, a free initial consultation is always useful. Here you can determine whether the consultation is about you or pushing you towards a product. Our recommendation is to only take out a product if you are really convinced of it.
You should expect a good financial advisor to provide independent advice based on your personal life situation. The goal should be to find insurance policies and investment products that you really need, want, and feel comfortable with.
The average cost depends on the type of consultant. There are fee-based advisors, who are paid for the time of the consultation, and commission-based advisors. Commission-based advisors usually offer free advice. Our recommendation is to seek such a consultation. You will notice relatively quickly whether you are dealing with independent advice, or whether it is simply a matter of selling products.
A good financial advisor will listen carefully to your individual life situation, and based on that, decide exactly what makes sense for you. So there should be no specific recommendation that is universally valid. If there is a universally valid recommendation, it is not good, unbiased, independent advice.
A good financial advisor does not necessarily have to cost anything. Independent financial advisors offer you a free consultation. Here it is important to pay attention to whether your interest is in the foreground, or the product of the advisor, since he is usually paid by a commission.
You choose a good financial advisor based on your personal judgment. Nevertheless, you can ask yourself a few questions in a conversation, such as, do you feel comfortable with the advice? Is enough time taken to answer your questions? Is the advisor competent and explains the products in an understandable way? Doesn't try to pressure you into anything? Is the advice transparent?
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