Guides — clear explanations for financial decisions in Germany.
Practical English guides to insurance, loans, retirement planning and household energy in Germany. Read first, then request a free callback if you want to discuss your situation.
Business insurance in Germany: decide what your company should review
Use your real activities, staff, equipment, vehicles and contractual risks to prioritise business liability, contents, cyber and employee benefits.
Read Car insurance · 22 Jul 2026Switching car insurance in Germany: compare cover before price
Check renewal dates, no-claims information, driver rules, excesses and important benefits before changing car insurance in Germany.
Read Heat pumps · 22 Jul 2026Heat pumps in Germany: check the building, cost and support
Review insulation, heat distribution, flow temperature, electricity use and current KfW support before planning a heat pump for an existing home.
Read Home financing · 22 Jul 2026Home financing in Germany: plan equity, payments and reserves
Prepare a German home-financing decision by separating purchase costs, usable equity, emergency reserves, monthly affordability and interest-rate risk.
Read Income protection · 22 Jul 2026Occupational disability insurance in Germany: what to review
Review income needs, occupation wording, benefit period, exclusions and medical questions before applying for occupational disability insurance in Germany.
Read Health insurance · 22 Jul 2026Private health insurance in Germany: a practical PKV guide
Understand who can consider private health insurance in Germany, how PKV differs from GKV, and which long-term questions matter before switching.
Read Retirement planning · 22 Jul 2026Private retirement planning in Germany: compare the main routes
Build a retirement plan around your expected income, pension gap, costs and flexibility before comparing workplace pensions, Riester, Rürup or ETFs.
Read Personal loans · 22 Jul 2026Refinancing loans in Germany: when to review debt consolidation
Compare remaining balances, settlement costs, effective interest, the new term and total repayment before combining loans in Germany.
Read Retirement planning · 22 Jul 2026Retirement gap in Germany: a plan for your 30s, 40s or 50s
Estimate a German retirement-income gap using pension information, workplace and private provision, inflation, tax and a realistic later-life budget.
Read Electricity · 22 Jul 2026Switching electricity supplier in Germany: a clear checklist
Read your annual electricity bill, compare unit and standing charges, check contract dates and bonuses, and document the meter reading when switching.
Read Gas · 22 Jul 2026Switching gas supplier in Germany: what to compare
Compare gas consumption, unit and standing charges, contract terms, bonus conditions and the price after the first year before changing supplier.
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