Expat+navigate=expavigate
We navigate you to the door of your financial freedom.
Just arrived or here for years: we bring protection, retirement, investing and property together in one plan that fits your life. Clearly explained, with nine free calculators and a person who listens.
Free · 30 minutes · Reply within one business day
- Tools without sign-up
- English & Deutsch
- Inputs stay in your browser
Topics
Your financial planning compass.
Six areas that almost every financial plan touches. The essentials of each in a few minutes, plus guides, matching calculators and a personal adviser.
Settling in
Bank account, Schufa, tax class, broadcasting fee: understand the system before it gets expensive.
- Bank account
- Schufa
- Tax class
- Broadcasting fee
Insurance
The protection you really need, from income protection to health insurance.
- Public vs. private health insurance
- Liability
- Long-term care
- Legal protection
- +3
Retirement
How much state pension you will get, how big the gap is and how to provide for your children too.
- State pension
- Workplace pension
- Private pension
- Saving for children
Wealth building
Mutual funds, ETFs and savings plans. Explained plainly, with an eye on costs and risk.
- Mutual funds
- ETFs
- Leverage effects
- Alternative investment funds
Property
Your own home or an investment property: the right order, the financing and a clear process up to the purchase.
- Your own home
- Financing
- Building insurance
- Investment property
- +2
Allowances & subsidies
State allowances, tax incentives and employer contributions that many people leave on the table.
- State subsidies
- Conditions for students
- Tax incentives
- Employer contributions
Your path
Step by step to financial freedom.
Freedom stands on a foundation. First you protect what everything else depends on. On top of that you build wealth and retirement savings, and on top of those a home and the life you want.
Choose a level of the pyramid.
The lifeline
Five stages. One common thread.
A line alone doesn't tell a life. But it connects what makes one: growth, protection, a home, provision and freedom. Keep scrolling and watch it take shape.
25Wealth building
It all starts with a seed.
In your mid-twenties every euro feels small. Compound interest works like growth: what you plant early bears fruit for decades.
28Insurance
An umbrella before it rains.
A new job, maybe a new country. Sorting out liability, disability and health insurance is unglamorous and protects everything that follows. New to Germany? We explain the system in English.
34Property
A home of your own.
Rent or buy, your own home or an investment first? The answer is in your numbers: equity, closing costs, monthly payments. We work through the paths with you before you sign.
45Retirement
What you planted bears fruit.
The state pension usually covers only part of your last salary. Move the slider and watch your tree grow.
Example: age 30, €900 monthly gap, 5% p.a.
67Freedom
Your horizon.
Financial freedom means you decide what your days look like. Travel, grandchildren, a second career out of passion. Or simply time.
About
Personally founded.
Built together.
I'm Alex, founder of Expavigate and a physicist with a master's degree from LMU Munich. My interest in finance began in my teenage years. My research background shaped how I work: understanding complex topics thoroughly and explaining them clearly.
I developed Expavigate together with a team of experts whose specialisms complement each other: from insurance and investments to retirement planning, property and financing. We share the belief that good financial planning should consider your life as a whole.
As your personal point of contact, we work with our specialist network to help you understand your options, make informed decisions and navigate your own financial path in Germany.
Your biggest advantage
Time makes wealth grow.
When investment returns remain invested, they can generate further returns. This is compounding. With funds and ETFs, it comes from investment performance and reinvested distributions; it is not a fixed interest payment.
Move the sliders and the columns recalculate live. The maths stays in your browser.
Simplified example. The calculators show numbers, not investment advice. Values before costs, taxes and inflation; an assumption, not a forecast. Actual returns fluctuate and losses are possible.
Contact
Talk to us.
Tell us briefly what it's about. We get back to you within one business day to find a time: 30 minutes by video, phone or WhatsApp, free of charge.
- Free first call
- In English or German
- Your calculator results as a starting point
- Reply within one business day
Guides
New to Germany? Read up first.
Ten in-depth guides on bank accounts, Schufa, taxes, health insurance, pension and property. With sources and 2026 figures.
How to Open a Bank Account in Germany as an Expat (Without Getting Turned Away)
Opening a bank account in Germany should be simple. For many expats, it isn't. Here's what actually works, which banks are expat-friendly, and what to do if you get rejected.
Understanding the German Tax System: A Complete Guide for Expats
Income tax, tax classes, solidarity surcharge, church tax — Germany's tax system is notoriously complex. This guide explains how it actually works, what you'll pay, and how to keep more of your salary.
Private vs Public Health Insurance in Germany: Which One Is Right for You?
Germany forces you to choose between public and private health insurance. One decision, decades of consequences. Here's how the two systems actually compare — with real numbers, not vague advice.
FAQ