Finance Check
Answer 10 quick questions and get an instant score of your financial health.
Open toolTrusted by families across Germany
Your money, finally working for you.
Independent financial guidance for people living in Germany — keep more of your salary, build your future, free and without sales pressure.
Trusted by 1,000+ families in Germany
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4.9/5Average client rating
Trustpilot5.0 rating
Google Reviews5.0 rating
@myfinanzguruFollow us
MyFinanzGuruConnect on LinkedIn
4.9/5Average client rating
— Your financial start
Our Free Financial Tools
Real Estate Calculator
Find the maximum property price you can realistically afford.
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Health Insurance Calculator
Compare statutory (GKV) and private (PKV) health insurance side by side.
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Investment Calculator
Model how a monthly ETF savings plan could grow over time.
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Brutto-Netto Calculator
See exactly what lands in your account after tax and social contributions.
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Loan Payment Calculator
Work out your monthly rate, interest and principal split for any loan.
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Compound Interest Calculator
See how a lump sum and regular deposits compound over the years.
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Emergency Fund Calculator
Find your ideal financial safety net based on your job and living costs.
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VAT Calculator
Convert between net and gross prices at 19%, 7% or a custom VAT rate.
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Calculator
A fast everyday calculator with a scientific mode, right in your browser.
Open tool40+ years
Combined advisory experience
About us
This is MyFinanzGuru
We started MyFinanzGuru because good financial guidance in Germany is too often locked behind sales targets, commission structures, and jargon most people were never taught to decode. We believe financial education is the key to a secure future — not a product to be sold, but a right everyone deserves access to.
Every recommendation we make starts with your actual situation, not a template. We build holistic concepts adapted to your income, your goals, and your comfort with risk — and we explain every step in plain language, in English or German.
Numbers that speak for themselves
Every plan begins with understanding your full financial picture, using clear numbers and honest advice. By focusing on transparency and long-term outcomes, we build strategies that are sustainable, practical, and genuinely yours.
0+ Years Combined Experience
Every relationship starts with a clear picture of where you actually stand.
0+
Happy Clients
Client
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The trust our clients place in us grows with every plan we deliver.
€0M+
Assets Guided
The plan
Finance that finally feels right.
01
Understand your money
We start with a clear-eyed analysis of your current situation — income, costs, insurance, savings — with no judgement, just clarity on where you actually stand today.
Budget overviewRisk profileFull-picture review
02
Keep your money
We look for legal ways to reduce your tax burden and optimise your insurance coverage, so more of what you earn actually stays in your account each month.
Tax optimisationInsurance auditFewer overlaps
03
Grow your money
From ETF savings plans to real estate and government incentives, we build a strategy you actually understand and trust — not one you have to take on faith.
ETF savings plansReal estateState incentives
Simple process
How it works
1
Sign up
Book a free, no-obligation first conversation — online, at a time that suits you.
2
Finance analysis
We review your income, insurance, and goals to build a clear picture of where you stand.
3
Keep more
Walk away with a concrete plan to keep more of what you earn and grow it with confidence.
Questions
Frequently asked questions
MyFinanzGuru is a team of independent financial consultants working across Germany. We're not tied to a single bank or insurer — our job is to make your options clear, not to sell you a specific product.
MyFinanzGuru operates fully online — every consultation happens over video call, so you can speak to us from anywhere in Germany without needing to travel to an office.
We cover private credits, child future & educational planning, private health insurance, real estate investment, physical gold & silver investment, our holistic All Finance Prime review, tax & retirement savings, insurance & protection, and fund & ETF strategy. See the full Services page for details on each.
We lead with education, not sales targets. Every recommendation starts from your actual numbers — which you can check yourself with our free tools — and every conversation is free, independent, and pressure-free.
The fastest way is to book a free 30-minute call directly through our Book a Meeting page. You can also reach us by email, and we aim to respond to every enquiry within 48 hours.
If you've ever wondered whether you're paying too much for insurance, missing a state incentive, or unsure how to start investing, a single free conversation usually pays for itself many times over — even if you decide not to work with us further.
More questions?
Start for free →
Book your free meeting today
30 minutes, zero obligation, and a clear next step for your finances.