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Your financial future. 
Easy as 1, 2, 3!

Save and invest effortlessly, automatically and sustainably. Personal financial coaching whenever you need it.

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we are Known from

With the app, I set aside a fixed amount each month into my own virtual savings account.

Viktor

Well thought out. Beautifully designed. Wonderfully explained. Thank you!

Stan

Competent advice, tailored to personal goals, without having to do hours of research yourself.

Melanie

Not only set goals but also get assistance in achieving them

Agnes

Awesome to be able to talk to you guys in person.

Sebastian

Forget helped me navigate through the jungle of financial products and define my financial strategy.

Michael

Easy to use and really helpful 👍🏼

Basti

Detailed solution proposals and the required guidance.

Sandra

I can only recommend it to anyone who wants to avoid pitfalls in wealth creation & retirement planning!

Noah

All my questions were answered in an understandable way and I feel confident and motivated to invest.

Patrick

Investing with the app is free!

Marie

With the app, I set aside a fixed amount each month into my own virtual savings account.

Viktor

Well thought out. Beautifully designed. Wonderfully explained. Thank you!

Stan

Competent advice, tailored to personal goals, without having to do hours of research yourself.

Melanie

Not only set goals but also get assistance in achieving them

Agnes

Awesome to be able to talk to you guys in person.

Sebastian

Forget helped me navigate through the jungle of financial products and define my financial strategy.

Michael

Easy to use and really helpful 👍🏼

Basti

Detailed solution proposals and the required guidance.

Sandra

I can only recommend it to anyone who wants to avoid pitfalls in wealth creation & retirement planning!

Noah

All my questions were answered in an understandable way and I feel confident and motivated to invest.

Patrick

Investing with the app is free!

Marie

This is how it works!
Your benefits at a glance.

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Personalized financial plan

Plan your goals before opening an account without obligation with the Forget app. Any number of pots for your goals with the appropriate risk.

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Invest for your future

Sustainably and globally invested for you. Start from 1€. Flexible deposits and withdrawal. 0€ fees for deposit and transactions.

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We optimize in the background

More security, higher expected returns, and lower costs than investing by yourself. Thanks to risk management and tax optimization.

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1st step: Plan

The right strategy for every goal.

From rainy day fund to retirement. Medium-term savings pots for building a house or your sabbatical. Let the app suggest a holistic investment strategy and keep track of all your goals.

Learn more about planning
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2nd Step: INvest

Let's invest your money wisely.

With us you invest without effort, with a long-term strategy and at minimal cost. Your investments are sustainable and globally diversified. Choose for each pot exactly the risk level that suits you and your goal. We put your money in boost mode without blowing it.

Learn more about investing
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3rd step: optimize

We optimize your investments in the background.

Benefit from our smart tax algorithm and save up to €224,24 per year. Your investments are not rigid, but daily risk management minimizes fluctuations and crash risks, so you stay more flexible.

Learn more about optimizing
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Investing has never been easier, smarter and more affordable.

Forget Finance costs less than your bank advisor or robo-advisor. And thanks to a sustainable investment strategy and smart optimizations, it probably yields more returns than your trading app.

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Savings plans and transactions

No hidden costs. Simply invest by direct debit from your account. Savings plans. Flexible withdrawals at any time.

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No service fees

Your Forget Finance account is free of charge, you only pay the fund costs.

All prices and features
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Our Mission

Less Finance,
More Life.

Learn more about us
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Zwei Männer vor Backsteinwand

Frequently Asked Questions.

Which fees do I have to pay at Forget Finance?

In summary: If you have invested e.g. €1.000 with us, the funds of our partners will cost you €5,90 per year, including all transactions and optimization features. The coaching will only cost you if you use it.

  • The use of the Forget App is free and without obligation.
  • If you open a custody account and asset management contract with our partners DAB and EVERGREEN via the app, there are no ongoing costs.
  • Deposits and withdrawals are free of charge.
  • Your money is invested in funds whose risk is actively managed. Within the funds there are 0.59% fund costs per year - these ongoing costs are automatically deducted as with all funds and ETFs and correspond to the TER (total expense ratio). In addition, there are no front-end loads, no transaction costs and no service fees. As our funds are traded over-the-counter, there are no hidden bid-offer spreads, unlike ETFs.
  • You can also take advantage of our personal coaching offers as a subscription (from €9,99 per month) and video sessions (from €60 per 30 min).

Additionally, with Forget Finance there is

  • no service fee
  • no performance fee
  • no front-end load
  • no transaction fee
  • no hidden bid-offer spreads, because unlike ETFs, our funds are traded over-the-counter

All info about the costs and free features.

What's different about Forget Finance than investing in ETFs yourself?

What is exactly the same as with ETFs:

  • Your money is broadly invested in thousands of stocks and bonds around the world, so the likelihood of losing money in the long term is minimal (unless you invest in risky sector or theme ETFs).

What is different between Forget Finance and ETFs:

  • You don't have to put together the right portfolio of thousands of ETFs yourself - we do that for you. The funds used are sustainable.
  • You have as many separate savings pots as you like - so you have an overview of your money, e.g. for the rainy day fund, savings plans for your children, a trip around the world and your retirement.
  • You have 10 risk levels to choose from, so you can invest not only for the long term but also for medium-term goals with low risk.
  • Lower fluctuation of your investments through active, rule-based risk management, so you can get your money more flexibly without losing value. Example: The average volatility of our highest risk level 10 is only equal to that of a passive ETF portfolio of 50% stocks and 50% bonds, with significantly higher expected performance (target return).

Costs in comparison:

  • ETFs usually incur between 0.2% to 0.5% fund costs per year. In addition, there are transaction costs when buying or selling (usually €1-€20 depending on the deposit and the amount). In addition, there are hidden costs such as bid-offer spreads (different prices for the seller and the buyer of an ETF).
  • At Forget Finance you pay 0.59% fund costs on the invested sum per year. There are no additional costs.

What if I want to access my money quickly?

You can withdraw your invested money flexibly on a daily basis - 2 taps are enough: we sell your investments and transfer the money to you within 3-4 working days.

In this respect, it can be advantageous if you (especially with a shorter investment horizon) are somewhat flexible with the timing of the payout, so that you do not realize losses. Think long term and stick with it.

Sounds complicated. I have to do some research first...

What we do is complex. But it's really simple for you. Answer a few questions to create your financial plan, open your free custody account through the app, and start investing for your goals!

Forget Finance is designed to save you months of research and still build wealth sustainably and long-term. Your money is diversified worldwide, the risk is actively reduced (risk management) and you don't have to worry about anything, we optimize your investments for you in the background.

In/with which countries/citizenships can I invest with Forget?

Currently you can only download the Forget Finance app from the German App Store. Subscribe to the newsletter to be the first to know when the app is translated.
It is also possible to open a deposit if you do not have German citizenship. The only exception are persons with a US-American citizenship. We are not allowed to open a securities account for them for legal reasons.
It is also possible to open a securities account if you do not live in Germany or are tax resident outside of Germany. However, we can only open a securities account for you if you are resident in one of these countries:

Australia
Belgium
Denmark
Germany
Estonia
Finland
France
Italy
Japan
Luxembourg
New Zealand
Netherlands
Norway
Austria
Poland
Portugal
Sweden
Switzerland
Spain
Czech Republic
United Kingdom of Great Britain and Northern Ireland

If you are liable to pay taxes outside of Germany, accruing taxes are not automatically paid and must be declared in the tax return in the country of residence itself and transmitted to the tax office. For this purpose we provide a tax certificate annually.

Is my money safe with you? What if you go bankrupt?
  • No matter if Forget Finance or our partners Evergreen and DAB Bank would go bankrupt - your investments are so-called separate property and therefore protected against insolvency without any limits. In a worst case scenario, you could transfer your investments to another custody account.
  • Money on the clearing account of DAB is deposit-protected up to €100.000 (the money is only there for one day until it is invested or paid out to you).
  • Money from Forget Finance can only be paid out to your chosen reference account (your existing bank account from which your savings plans are debited by direct debit). While all transactions are protected by passcode or FaceID anyway, money cannot be paid out to a third person even if someone would get access to your smartphone and your Forget Finance account.

Sounds good, right?