Founders, freelancers & self-employed

Building something of your own, in Germany.

When you work for yourself, no employer sorts your health cover, pension or taxes. You get the freedom, and every decision. We help international founders get the financial side right, in plain English.

Start the free 2-min check
We back the community

Unlock Germany supports Founders Night.

Founders Night is a monthly meetup in Berlin for founders, freelancers and builders. Expect pitch rounds, real connections instead of business-card small talk, honest exchanges of experience, and the kind of conversations that actually move a project forward. We are proud to support it, so come find us there.

Upcoming editions

Founders Night, Berlin

  • Jul30

    July Edition

    Thursday · Berlin

    Next
  • Aug27

    August Edition

    Thursday · Berlin

See the next date on Luma

Indicative dates, confirm the next one on Luma

What we help with

The whole financial side, coordinated.

One advisor across every piece, so nothing important falls through the gaps while you are busy building.

Health cover, your choice

Self-employed can pick public (GKV) or private (PKV) freely from day one. We model both against your real numbers before you lock it in.

Liability & income protection

Personal and professional liability, plus disability cover for the income your business depends on. Your ability to earn is the asset to protect first.

A pension you actually build

No employer scheme means no default. We set up a portable, flexible third pillar that copes with irregular income and follows you if you move.

Cashflow & investing

Smoothing lumpy freelance income, keeping a runway, and putting the surplus to work in low-cost, long-term investments.

Taxes, demystified

Understand what to set aside, which costs are deductible, and when a Steuerberater is worth it. We point you to what matters and connect you where needed.

Getting properly set up

From Anmeldung and tax number to the right bank account and insurances, in the order that keeps you compliant and moving.

How it works

Three steps, no jargon.

1

Tell us your situation

Freelancer, GmbH founder, solo or with a team, staying or unsure. The free 2-minute check maps where you stand.

2

Get a plain-English plan

One advisor coordinates health, protection, pension, taxes and investing, with the reasoning in writing so you can question it.

3

Set it up, keep it flexible

We put it in place across around 250 vetted partners, built to flex with irregular income and a mobile life.

Everything in English, German terms explained where they matter.

Independent: we compare around 250 vetted partners, not one shelf.

Built for mobile lives, so your plan keeps working if you move on.

Get your founder setup sorted.

Free, no sign-up, and about two minutes to see where you stand.

  • Health cover decided
  • Income protected
  • Pension building
  • Taxes under control
Start your free 2-min check