From first steps
to wealth.
Expat Launch Germany — your community in Germany — helps you land. Expatease helps you build: taxes, health insurance, pension, investing and property — explained in English, planned for your life in Germany, and free for members.
Just arrived? Start with your Welcome PackageMember offer
Financial Roadmap Session — worth €149, free for you.
60 minutes with an advisor who knows expat life in Germany. You leave with a written summary: what is already fine, what is missing, and what to do first.
- Taxes, health insurance, pension, investing — all in one session
- In English, online or in Munich
- Written summary with your next steps
- No code, no proof needed — just book through this page
Session value
€149
For Expat Launch Germany members
Free
60 minutes · English · written summary
Pick your topic
Four things every expat in Germany should sort out
A few facts most people learn too late — and a free, short next step for each.
Taxes
Is a tax return worth it for you?
For most expats: yes — and filing is easier than it sounds.
- Employees who file get back over €1,000 on average. Most expats never file.
- Relocation costs, a second household, home office, work equipment — many expat expenses are deductible.
- Filing is voluntary for most employees, and you can still file for the last four years.
Financial planning
Your money in Germany, in one clear plan.
Pension, investing, insurance, taxes — how the pieces fit together for you.
- The statutory pension replaces roughly half of your last net income. The rest is up to you.
- ETF savings plans start at €25 a month, and €1,000 of capital gains per year are tax-free.
- Leaving Germany for good one day? Non-EU citizens can often reclaim their pension contributions.
Health insurance
Public or private — what actually fits you?
Mandatory from day one. The right choice depends on your job, income and family.
- Employees are publicly insured by default; private becomes an option above roughly €77,000 gross a year or if you are self-employed.
- Students pay a fixed student rate of around €130 a month.
- In public insurance, your spouse and children without income are covered at no extra cost.
Public insurance? Apply with TK directly — in English.
Techniker Krankenkasse, our recommended provider for expats. Takes about 10 minutes.
Real estate investment
Buying property in Germany as an expat.
As an investment or a home — what it really costs and how financing works for you.
- Financing is possible with a residence permit and stable income — usually 10–20% equity plus around 10% purchase costs.
- Rental property: interest, depreciation and running costs are tax-deductible against the rent.
- Munich and Bavaria have some of the strongest rental demand in Germany — a long-term play, not a quick win.
How we work
Holistic, not piece by piece
One advisor for everything
Taxes, insurance, pension, investing, property — one person who knows your story, instead of ten providers who don’t.
In English, on your schedule
Sessions in English, online or in Munich, at times that work around your job.
Independent, no strings
Every session is free for members. You decide afterwards whether you want anything at all.
Your advisor
Sascha Allwein
Financial Consultant · English & German · Munich
Sascha is the Expatease advisor for the Expat Launch Germany community. Every session on this page lands with him, prepared with your answers from the short questionnaire.
LinkedIn →Just arrived?
Your Welcome Package — the first weeks, sorted.
Before wealth comes the basics. The Expat Launch Germany Welcome Package walks you through the essentials with partners we trust — free, in English, at your own pace.
Open your Welcome Package- Health insurance
- Bank account
- Liability insurance
- Phone contract
- Legal protection
- Personal request
Start with one free session.
Sixty minutes, in English, worth €149 — free because you are part of Expat Launch Germany. Everything else follows at your pace.
Book your free Roadmap SessionThis page is a cooperation between Expatease and Expat Launch Germany. Expat Launch Germany does not provide financial, tax or insurance advice; all sessions are delivered by Expatease and its partner advisors. Sessions are free for community members and come with no obligation.