How to become a self-employed personal trainer in Germany

Happy Diana, Chief Hapiness Officer
Happy Diana, Chief Hapiness Officer

Diana

Updated on:

May 19, 2025

Becoming a self-employed personal trainer in Germany
Becoming a self-employed personal trainer in Germany
Becoming a self-employed personal trainer in Germany

If you're passionate about fitness and health, becoming a self-employed Personal Trainer in Germany can turn your hobby into a successful career. But before you jump in, it’s important to know what’s required—from legal registrations to managing your finances and taxes.

In this guide, you’ll learn:

  • What you need to get started as a personal trainer

  • How to register your business

  • Costs and income expectations

  • How to automate your accounting & taxes, applies correct VAT, and creates professional invoices—even for international clients


Basic requirements to start as a personal trainer

To work as a self-employed personal trainer in Germany, you’ll need:

  • A recognized fitness qualification (at least a B-License is recommended; C-License is the entry level, A-License is advanced)

  • Basic business skills (strong communication skills, empathy and motivational ability, effective organization and time management)

  • Registration with the local tax office (Finanzamt)

  • Health insurance (either public or private)

  • Liability insurance (highly recommended)

  • Good record-keeping for your income and expenses


Fitness qualifications list:

  • C-License: Basic knowledge of anatomy, physiology, and training fundamentals

  • B-License (recommended): Essential for creating individual training plans and detailed knowledge in sports science

  • A-License: Advanced skills in performance-oriented and rehabilitative training


Registering as a freelancer

Most personal trainers are classified as freelancers (Freiberufler). This usually means you don’t need to register a Gewerbe or pay trade tax (Gewerbesteuer)—but the final decision comes from your local tax office.

Steps to register:

  1. Notify your local Finanzamt (tax office) that you’re starting self-employment.

  2. Fill in the “Fragebogen zur steuerlichen Erfassung” (tax registration form). You can file it digitally for free with Norman.

  3. Receive your tax number (Steuernummer)—required for invoicing clients.

  4. Optional: Register as a Kleinunternehmer to avoid charging VAT if you earn less than €25,000/year (in the first year).

Get more information about registration as a freelancer in Germany in the following article.

👌Tip: If your activity is not recognized as a freelance profession, you may need to register a Gewerbe at your local municipality and pay trade tax. So always double check it.


Understanding costs & setting your rates

The costs of becoming a self-employed Personal Trainer include:

Cost type

Typical range (€)

Fitness license

90 (C) – 1,700 (B) – 5,300 (A)

Insurance

200 – 500/year

Equipment

100 – 1,000+ (if needed)

Marketing/Website

50 – 500+

Accounting/Software

from 0 (Norman basic)

Gewerbe registration (if needed)

10 – 65

Most trainers start as freelancers with minimal overhead. If you open your own studio, costs will increase (rent, utilities, staff).

Setting your hourly rate:

Typical rates for self-employed trainers: €50–€100/hour. Many recommend charging at least €75/hour to cover all your expenses and taxes.

👍 Tip: Start with minimal equipment and expand as your business grows


Taxes & accounting information

Key tax obligations for freelancers include:

  • Income tax: Must be declared annually via income tax return.

  • VAT (Mehrwertsteuer): Typically 19%. However, as a small business (Kleinunternehmer), you're exempt if annual turnover stays below €25,000 in the first year.

  • Trade tax (Gewerbesteuer): Applicable only if registered as a trade.

  • EÜR: profit and loss statement utilized for determining your business's profit

  • Proper invoicing: Include necessary details (name, address, VAT ID, date, service description, total amount). It is mandatory to issue e-invoices starting from January 1, 2025.


🇩🇪 Your free guide to self-employment in Germany

Ready to start your self-employed journey but not sure where to begin? Our free handbook has you covered—clear, simple, and jargon-free

Inside you’ll find:

  • ✅ Step-by-step instructions for every stage of self-employment

  • 🎁 Handy extras: Deductible cheat sheet, invoice template, and a 2025 tax calendar

Kickstart your freelance career with confidence. Download your free guide now and make self-employment simple!

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The data is provided for advertising purposes in exchange for downloading service offers (including templates and eBooks). I agree that Norman will inform me about accounting topics (news, promotions, webinars) in the future through email and social media advertising. Additional information on the processing of personal data can be found in the privacy policy.


Insurance, health & other legal considerations

When you’re self-employed in Germany, there are a few important legal and insurance topics to keep in mind. Health insurance is mandatory—whether you choose public or private coverage, you must be insured. Liability insurance is also highly recommended, as it protects you from potential accidents or damages that may occur while working. Since you’re responsible for your own retirement savings, it’s wise to start planning your pension early. Finally, make sure every client signs a liability waiver before you begin any training or work to protect yourself legally.


Marketing tips to win clients as a freelance trainer

  • Create a professional website and social media profiles

  • Offer trial sessions or group classes

  • Collect and publish client testimonials

  • Use online booking and payment tools

  • Collaborate with gyms or local businesses


Financing your self-employment

If you plan modestly, self-financing is manageable. For ambitious plans like opening your own studio, consider:

  • Bank loans with a solid business plan

  • Government grants (e.g., Gründungszuschuss from the Agentur für Arbeit)


Quick overview of personal trainer setup in Germany


Step

Description

Obtain license

B-License minimum (C: basic, A: advanced)

Register at Finanzamt

Get tax number, clarify freelance vs. trade status

Health insurance

Choose public or private

Liability insurance

Highly recommended

Set rates

€50–€100/hour typical, at least €75/hr advised

Kleinunternehmerregelung

Option to simplify VAT if under threshold


How Norman supports self-employed trainers in Germany

Norman is your digital accountant:

  • Tracks all earnings and expenses automatically

  • Applies the right VAT for both EU and third-country clients

  • Generates correct, professional invoices in English or German

  • Prepares you for tax filings—no paperwork stress

  • Optimized for self-employed, freelancers, and trainers in Germany


Conclusion

Starting your own business as a personal trainer in Germany is very doable—even for expats and freelancers. With the right license, some planning, you can focus on your clients while your accounting and taxes are on autopilot.


FAQ

Q: Do I need to charge VAT as a personal trainer in Germany?

A: Only if you are not using the Kleinunternehmerregelung and your income is above the yearly threshold. Norman will help you handle VAT for each client, including international ones.


Q: Can I work as a freelance personal trainer or do I need a business license?

A: Most trainers are classified as freelancers and do not need a Gewerbe, but confirm with your local tax office (Finanzamt).


Q: What hourly rate should I charge?

A: A good starting point is around €75 per hour.


Q: What insurance is mandatory?

A: Professional liability insurance (Berufshaftpflichtversicherung) is strongly recommended.


Q: Do I need equipment immediately?

A: Start minimally; you can train clients outdoors or at their homes initially

© 2025 Norman AI GmbH

© 2025 Norman AI GmbH

© 2025 Norman AI GmbH