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.
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.
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