XpatGermany Blog
German finance, explained in English
Germany changes its tax, health insurance, and pension rules almost every year, and almost none of it is published in English. This is where we translate what actually changed, what it costs, and what you should do about it as an international professional living here.
Book Your Free Strategy CallWritten by Eljas Thranberend, Financial Advisor · Authorised §34d & §34f GewO · 11+ years in Berlin
More articles
How to Invest in Germany as an Expat: Stocks, ETFs & Funds
Stocks, ETFs or actively managed funds? A practical comparison for internationals investing from Germany, plus German capital income tax, the 1.000 € Sparer-Pauschbetrag, inflation and the currency question only expats have to answer.
German Health Insurance Changes 2027: GKV vs PKV for High Earners
A higher contribution ceiling, co-payments up by 50%, and a PKV income threshold expected to jump to roughly 84.400 €. What the 2027 GKV reform means for high earners and expats in Germany.
In-depth guides
Longer reference pieces that we keep updated as the rules change. Start here if you are new to the German system.
Private Health Insurance (PKV) in Germany
Eligibility, costs, and the full GKV vs PKV comparison for expats earning above the threshold.
Car Insurance in Germany
Haftpflicht, Teilkasko, Vollkasko, and how your foreign no-claims history is treated.
Buying Property in Germany
Financing, Grunderwerbsteuer, and the purchase process as a foreign national.
Systematic Investment Plans (SIP)
Monthly ETF Sparpläne through German brokers, and how they are taxed.
Free calculators
Run your own numbers before you read anyone's advice, including ours.
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Articles describe the rules. A strategy call tells you what they mean for your salary, your family situation, and how long you plan to stay in Germany.
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