What is the Rentenlücke and why should you know it?
Learn how to compare your income goal with the pension you are likely to receive and which information can improve the estimate.
Open calculator →Knowledge centre
Germany, explained clearly.
Practical guides for expats and international professionals navigating financial decisions while building a future in Germany.
The emergency fund in Germany
An initial guideline is three to six months of essential expenses. It should remain accessible, separate from everyday money and adapted to the stability of your income.
Insurance worth reviewing
Your needs depend on your family, profession and wealth. Start with risks whose cost you could not cover from your own savings.
The financial wellbeing formula
Compare 10% for protection, 30% for housing, 30% for saving and 30% for living and consumption. It is a guideline, not a mathematical obligation.
Try it with my figures →Beyond the mortgage payment
A purchase also involves equity, taxes, notary fees, maintenance and a margin for unexpected costs.
Goal, time horizon and risk
The product comes later. First define what the money is for, when you will need it and which fluctuations you can tolerate.