Skip to main content
HomeInfo Portal

Cost Planning

Financially prepared in Germany: Calculate entry costs, plan for living expenses and rent, understand insurance requirements, and learn about healthcare salaries.


Anas Haj Hasan - Updated September 2, 2026 | 9:30 AM

2 Minutes
Euro banknotes with calculator and bank statement

Germany offers foreign healthcare professionals attractive career prospects and diverse opportunities. Those wishing to immigrate to Germany should inform themselves early about the costs involved. Even though this may initially seem overwhelming to many, all financial challenges can be mastered with careful planning of costs.

Cost points at a glance

This topic area provides newcomers with realistic guidance on the most important costs that should be considered when planning travel for life in Germany.

Costs before and upon entry

Various costs arise even before immigrating to Germany, such as for visas, flights and transport, as well as for language courses or the certification of important documents. Detailed information on all costs before and during entry is listed here.

Blocked account

To cover all costs incurred in Germany, a blocked account is required in certain cases. It serves as proof of financial means for specific visa types and secures living expenses in the first months. A fixed amount is deposited into this account, which is released monthly after arrival. Further information on setting up and using a blocked account can be found here.

Cost of living

After arriving in Germany, regular expenses for living, insurance, transport, and other personal needs arise. A large portion of these costs include rent. In addition to the base rent, additional costs such as heating, water, electricity, and waste disposal are added. The amount of living costs depends heavily on the place of residence, housing situation, and individual lifestyle. Detailed information on cost of living as well as rental costs is described in detail in the respective articles.

Health insurance

Those coming to Germany and wishing to stay longer than 90 days require health insurance. In many cases, this is already a prerequisite for the visa. Depending on residence status, this can be private or statutory insurance. More information on health insurance in Germany can be found here.

Salaries in German healthcare

To better assess financial expenses, it is also worthwhile to look at salaries in German healthcare. They vary depending on specialty, professional experience, employer and federal state. Detailed information on salaries in German healthcare professions can be found here.

Ask the Community

Choose a channel and post your questions directly in the community.

A diverse group of medical students in white coats is sitting together at a table in a classroom, on which various medical instruments are laid out

Courses to Prepare for Professional Recognition with FIA

The Freiburger Bund provides international health care professionals with access to qualification courses offered by its partner, the Freiburg International Academy (FIA), which specializes in the recognition of foreign professional qualifications in Germany.

Learn More

Quick Tools

Freiburger Bund App – Coming Soon

Access all our features for free and stay connected on the go. Soon available on Google Play and the App Store.

Feedback Form

We want to ensure that our information is complete, up-to-date and helpful for you. If you notice any gaps, unclear points, errors or have suggestions for additions, we would love to hear your feedback!

Join Our Newsletter

Get the latest news, resources, and guidance on working in Germany as a doctor, dentist, or pharmacist.