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Financial tools for expats in Germany: thirteen calculators, one number each
All tools are free and in English. Your data stays private.
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Licensed broker · 600+ banks and 40+ insurers compared · Hamburg
Thirteen free calculators
Pick the question you have this month.
Each one uses the 2026 rates, runs in your browser and shows one number. All results are estimates from our models.
Loans
What you can work out: what a loan costs you
You enter the amount and the term.
1,236 EURless interest on 20,000 EUR over 60 months: 5.9 % APR, our best case for a strong file, against the 8.23 % German average (Bundesbank, July 2026). An example, not an offer.
Mortgages
What you can work out: how much house you can afford
You enter your net pay each month.
366,665 EURthe price a lender would finance on 4,500 EUR net a month, at 1,575 EUR a month with 10 % from you. An example, not an offer.
Health cover
What you can work out: whether you may go private, and what it costs
You enter your age, your salary and how you work.
463 EUR a monthless than public cover at 32 on 100,000 EUR gross, employed, or 5,556 EUR a year. An estimate, not an offer.
Salary
What you can work out: your take-home pay
You enter gross salary, tax class, state and age.
3,383 EURa month is what you keep on 5,500 EUR gross: tax class I, no children, statutory cover, age 32. An example on 2026 rates.
Income protection
What you can work out: what the state pays if you cannot work
You enter your age, salary and your German contribution years.
2,005 EURa month of Erwerbsminderungsrente at 32 on 65,000 EUR with 8 German years, leaving 1,245 EUR a month for a policy to replace. An estimate, not an offer.
Pension
What you can work out: what your German years pay at 67
You enter salary, arrival year, age and German years.
982 EUR a monthmore in retirement on 60,000 EUR a year with 25 German years, from 454 EUR a month set aside today. An example, not an offer.
Your own cover
What you can work out: what your own income policy has to pay
You enter your age, salary and what you do all day.
1,559 EUR a monthyour own policy secures at 32 on 65,000 EUR a year: 80 % of take-home, on top of the 1,041 EUR the state paid on average in 2024. The Erwerbsminderungsrente tool above works from your own record instead. About 75 EUR a month in an office role. An estimate, not an offer.
First year
What you can work out: which decision costs you most this year
You answer three questions about your life here.
2,880 EURof equity in year one is the top decision in the loaded example, with the other five priced under it.
Insurance
What you can work out: which covers to keep, cancel or still get
You answer six questions in sixty seconds.
38,400 EURa year is what your own cover would replace: 51,944 EUR gross, less the 13,092 EUR a year the state pays, rounded down to 3,200 EUR a month the way a policy is written. An example, not an offer.
Payslip
What you can work out: what your tax class pairing is worth
You enter your gross, your partner’s gross and your state.
2,459 EURmore this year on 68,000 and 25,000 EUR gross: tax class III / V instead of IV / IV.
Mortgages
What you can work out: the monthly rate behind your price
You enter the price and what you bring yourself.
1,575 EUR a monthon a 366,665 EUR purchase, 3.1 % fixed for ten years, 2 % repayment, Hamburg. An example, not an offer.
Loans
What you can work out: which monthly payment you can carry
You enter the amount, then compare three terms.
405 EUR a monthon 20,000 EUR over 60 months at the 8.23 % German average (Bundesbank, July 2026). A shorter term costs less interest.
Health cover
What you can work out: what private health cover saves you
You enter your age, salary and how you are employed.
5,556 EURless a year in the standard case: 648 EUR public against 185 EUR private a month, at 32 on 100,000 EUR gross. An estimate, not an offer.
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What clients say
All reviews were written by clients after their consultation. We keep the originals.
If you’re an expat and have zero clue about Schufa, tax IDs, etc. – go here. They explained the whole Germany setup to me in the exact right order. Saves you months of headaches.
I finally feel financially settled here. The advisor was super laid-back, took their time, and explained everything in really simple terms.
Well-structured process. The form at the start literally takes 2 minutes. Sometimes a bit too much info all at once on the call, but definitely better than not enough.
Absolute lifesaver. Getting registered with health insurance was a nightmare before. Super friendly, direct, and sorted it out incredibly fast.
Finally someone who speaks fluent English AND actually knows what they’re talking about. Sorted out my disability insurance through them. Everything was digital and super chill.
I needed a mortgage and my own bank turned me away immediately because of my temporary contract. These guys actually found a bank in their network that played ball. Bought the house, super happy.
Can highly recommend! They know exactly how banks tick here when you’re on a Blue Card. Loan went through without any issues.
Everything went smoothly. Got a reply well under 24 hours. The German contracts were summarized for me in English, which makes the whole thing actually bearable.
Pretty cool team. Had some questions about the pension system and they didn’t push anything on me at all. Dropped a star because the video call lagged a bit, but the content was 10/10.
Everything was great. You can instantly tell they work with expats every single day. Contracts just take forever here in Germany sometimes, but that’s not their fault. Advice was top notch
Awesome service! As a Brit, I was completely lost in the German insurance jungle. One call, 2 days later I had three solid options. No hidden fees, super easy.
Really relaxed vibe. No typical suit-and-tie guys desperately trying to sell you expensive policies. Got exactly what fits my current salary.
Extremely helpful when moving from the US to Hannover. Having a physical office nearby was cool, even though most of it was online anyway.
Really solid advice. Set up my liability and home insurance, would have never figured that out alone on those German websites.
Reviews on Google
Public reviews, shown as Google publishes them. Separate from the written reviews above.
Send us your question.
Free advice in English. We reply within one working day.
Four common questions.
Are the numbers real?
Yes. Each tool names its sources: the 2026 rates and ceilings, and the Bundesbank average for loan and mortgage rates. They are estimates from our own models, not quotes and not tax advice. A written quote is the binding number, and we get you one free.
What does it cost?
The tools and the advice are free. The provider pays our commission when a contract is right for you.
Do you see my data?
No. The calculators run only in your browser, and your entries stay on your device. You hear from us only when you write to us.
What happens after I calculate?
Send us your number and we check it against your real papers in twenty minutes, in English. Popular first steps are the mortgage affordability calculator and the personal loan calculator.
Read next
Azdi-Chan Begari, Founder and CEOExperte private Vorsorge, Frankfurt School of Finance and Management. Licensed under §§ 34c, 34d, 34f, 34i GewO. Nine years working with expats. Last reviewed 9 September 2026.
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The advice is free. The provider pays us. Call us on +49 177 7854508 · Back to the calculators
I finally feel financially settled here. The advisor was super laid-back, took their time, and explained everything in really simple terms.