About us

Two Daniels. One confusing financial system. Let's make sense of it.

Daniel In Germany Finance is for anyone dealing with money in Germany without having grown up with the system: internationals, immigrants, expats, students, people who've lived here for years. You don't need to become a finance expert. We'll show you how it works, where the numbers come from and what to ask next.

Daniel Yáñez

Founder of Daniel In Germany

Daniel runs Daniel In Germany, where he explains life in Germany to internationals. The questions his community asks every day decide what this platform explains first.

@danielingermany on Instagram

Daniel Clavijo

ETF Research & Education

Daniel digs into ETFs, brokers and the German money rules people keep tripping over. His job here is to turn that research into plain explanations, fair comparisons and tools you can actually understand. He explains how things work. He doesn't tell anyone what to buy.

How we work

Read it, see it, try it: Every guide starts with the idea in plain English, then gives you something to click or change. The law and the formulas wait under “Want the nerdy details?”
Sources, always: Every legal number links to an official source, with the date we checked it.
Clear labels: You can always tell whether you're reading an official rule, a hypothetical example or a partner's view.
We explain, you decide: We show how things work. We don't tell you what to buy, we don't manage money and we don't arrange investments, insurance or loans. Neither of us is a financial adviser.
Calculators that show their working: Every tool names its rules year, its assumptions and its sources. If we couldn't verify a rule, it doesn't feed a result.
Partners, labelled: Some content is made with specialists. It's always marked. How we work with partners

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