Independent financial advice — built for expats
Horbach Expats has been specializing for years in independent, personal financial advice for internationals in Germany. From retirement planning and investments to insurance and tax optimization — with clear guidance and always with your long-term goals in mind.
Get your financial advice in a language you feel comfortable in.
How we work
You tell us your goals, we translate the German system into a plan you understand — in five steps, from the first call to ongoing service.
- 1
Reach out
Send us your request — in English, or one of our other languages. We get back to you within one working day.
- 2
Introductory session
We look at your situation and goals together and check whether we are the right fit. Free, no obligation.
- 3
Analysis
Our team works in the background: your current contracts, gaps, priorities and what makes sense for an expat.
- 4
Your roadmap
Clear recommendations on one page — what to do first, what can wait, and why.
- 5
Implementation & service
We set it up digitally with you and stay at your side: check-ins, updates and support when life changes.
What we cover
Everything money-related for your life in Germany — one advisor, one plan, and specialists behind it.
Retirement planning
Statutory, company and private pension — what counts for expats and what stays with you if you leave.
📈Investing & wealth
ETF and fund plans, portfolio check, tax-efficient saving in Germany.
🏠Real estate & financing
Buying in Germany as an expat: equity, financing, the German way of doing it.
🛡️Basic insurances
Health, liability, income protection — the few policies everyone here needs, nothing more.
🧾Taxes, with partners
We do not give tax advice — you get access to our partner tax advisors on expatease.de.
👨👩👧Families
Child benefit, parental leave, provision for your kids — planning for two and more.
🏢Corporate solutions
Company pension and health care for your team — for founders and employers.
🌍Leaving Germany?
Geographically flexible solutions that move with you — we plan for that from day one.
Independent, transparent, made by expats
Behind Expatease stands HORBACH Expats, part of HORBACH — Germany's market-leading financial planning service since 1983 — with founders who are expats themselves.
Independent
Not tied to a single provider. We choose from 10,000+ investment funds, 500+ banks and 100+ insurers — and recommend what fits you.
No plan fee
The intro session, the analysis and your roadmap are free — there is no fee for the financial plan and no invoice for the advice. You decide which products you take, and only those have a price.
Taxes: with partners
Financial advice and tax advice are two regulated professions. We do the first — and give you access to our partner tax advisors on expatease.de.
Taxes on expatease.de →Retirement Calculator
See how regular investing and compound interest can grow your wealth over time.
| Monthly | 5% return | 7% return | 9% return |
|---|---|---|---|
| 200 €Invested: 88.800 € | 256.100 €+167.300 € | 419.309 €+330.509 € | 709.156 €+620.356 € |
| 500 €Invested: 222.000 € | 640.251 €+418.251 € | 1.048.272 €+826.272 € | 1.772.890 €+1.550.890 € |
| 800 €Invested: 355.200 € | 1.024.401 €+669.201 € | 1.677.236 €+1.322.036 € | 2.836.623 €+2.481.423 € |
This is an illustrative calculation showing the compound interest effect. Actual returns depend on market conditions and are not guaranteed. Past performance is not indicative of future results.
Get personal investment adviceTax Benefit Estimate
See how financial planning contributions may reduce your effective cost through tax relief.
This is an indicative estimate only. Actual tax effects depend on your personal circumstances, income structure, and applicable tax law. A personal consultation is recommended for a precise calculation.
Get a precise calculation with an advisorFrequently asked questions
Trust & partnerships
Cooperations, customer reviews, and trusted partners.
Cooperations & partners
- HORBACH Finance — Finance & Retirement
- Expatease Tax Partners — Tax Consulting
- Expatease Insurance — Insurance
Customer reviews
- ★★★★★
"Clear advice in English. Saved me hours of research."
— Sarah M. - ★★★★★
"Professional and expat-focused. Highly recommend."
— Raj P. - ★★★★★
"Found the right school for my kids within a week."
— Emily R.
Because financial freedom should be a right, not a privilege.
Visit Horbach Expats →