Tax calculator
Roughly your monthly take-home in each European nomad-visa country, after income tax. Drag your income to compare.
€60,000
≈ €5,000 / mo
What to include
Most European countries levy social contributions on top of income tax (pension, health), often 20–30%+ if you register locally as self-employed. The “+ social” view folds in an indicative local rate where it's reasonably clear, and shows ≈0 local social for foreign-income-exempt regimes (Croatia, Hungary, Iceland, Turkey, Montenegro, Georgia). A few systems charge a fixed monthly amount rather than a percentage (Spain, Greece, Romania, Albania), so those stay flagged as not modelled. Big caveat: if a totalisation agreement keeps you in your home country's system, you may owe little or no local social. It depends on your nationality and whether you're employed abroad or freelancing.
| CroatiaDigital nomad status, foreign work income tax-exempt (Art. 9(1)(26) PITA)✓ sourcedDNV exemption is for foreign work income only and is tied to holding the permit (max 18 months, non-renewable); passive income, Croatian-source income, and full tax-resident worldwide liability fall outside it. The exemption does not require avoiding residency, but the 18-month cap effectively limits exposure. | 0% | €5,000 |
| IcelandShort stay, not Icelandic tax-resident180-day max, non-renewable. Under 183 days you generally aren't an Icelandic tax resident and the visa doesn't enrol you in local social security, so no Icelandic income tax or social contributions are due. | 0% | €5,000 |
| MontenegroDigital Nomad Visa, foreign-source income exempt (Art. 32d PIT Law)✓ sourcedMontenegro DNV (Art. 32d Law on Personal Income Tax) exempts foreign-source self-employment/remote income from PIT and from mandatory social contributions, valid regardless of stay length or income amount, provided income comes from clients/employers not registered in Montenegro. Note 183-day tax-residence rule, 21% VAT (registration above EUR 30k turnover), and 13-15% municipal surtax on any taxable PIT. | 0% | €5,000 |
| TurkeyForeign income (foreign account) generally untaxedIncome earned abroad and received into a foreign account is generally not taxed in Turkey, and you owe no Turkish social contributions unless you register as a local entrepreneur (SGK is voluntary). Over 183 days can make you tax-resident. Verify with a local advisor. | 0% | €5,000 |
| Georgia1% turnover (Small Business Status)Register as an Individual Entrepreneur with Small Business Status: 1% tax on turnover up to ~GEL 500k (~$165k), with no separate social contribution on that turnover (residents have only a small 2% personal pension levy). Verify current status. | 1% | €4,950 |
| MaltaNomad Residence Permit, 10% flat on authorised work income (12-mo exemption first)✓ sourced10% flat applies to 'qualifying income' from authorised remote work after a 12-month income-tax exemption; other Malta-source income stacks on top at progressive 0-35%. Double-taxation relief applies where >=10% foreign tax already paid. Benefit hinges on holding a valid permit and the non-dom remittance basis. | 10% | €4,500 |
| BulgariaFlat 10% personal income tax (worldwide income for residents)✓ sourcedBulgaria has the EU's lowest flat PIT (10%) and 10% CG, no special nomad regime needed. Main cost driver for a self-employed nomad is capped social/health contributions (fixed-euro ceiling), not income tax. Residents taxed on worldwide income; treaty relief applies. | 10% | €4,500 |
| RomaniaFlat 10% PIT on worldwide income (DNV foreign-salary exemption is lost once tax-resident)✓ sourcedCritical caveat: Romania's Digital Nomad Visa income-tax + social-contribution exemption (Law 69/2023) applies ONLY while the holder stays ≤183 days and remains NON-resident. The prompt's scenario (becoming tax-resident) therefore forfeits the exemption, worldwide income falls under the ordinary 10% flat PIT, with CAS/CASS due on Romanian-source self-employment income. Treaty relief/foreign tax credits may apply to foreign-source income. | 10% | €4,500 |
| Greece50% reduction (7 yrs)50% income-tax break for the first 7 years for qualifying new tax residents; conditions apply. Freelancer social (EFKA) is a fixed monthly category amount (roughly €240 to €650), not a % of income, so it isn't folded into the rate here. | 15% | €4,250 |
| HungaryHungary flat PIT, 15% on worldwide income (resident)✓ sourcedCritical nuance: the White Card's 'foreign income not taxed' only holds while NON-resident; once the nomad is Hungarian tax resident (183+ days), Hungary taxes worldwide income at the flat 15%. Treaty relief may reduce double taxation. Self-employed SS only bites if the person is in the Hungarian social-security system, foreign-employed nomads may stay on home-country SS. | 15% | €4,250 |
| Czechia15% flat (lower with trade-licence deduction)Flat 15%; effective ≈6–9% for trade-licence (živno) holders via the 60/80% expense deduction (not modelled here). Self-employed social plus health run ~23% of profit once you apply the 55% assessment base. | 15% | €4,250 |
| LatviaDNV OECD-citizen 15% flat PIT (first 365 days)✓ sourcedDNV holders who are OECD citizens get a 15% flat PIT for income earned within 365 days of becoming Latvian tax resident, with NO personal allowance and NO standard deductions; thereafter ordinary progressive rates apply (25.5% up to EUR 105,300, 33% above, plus a 3% solidarity surcharge over EUR 200,000). The reduced rate requires registering with the State Revenue Service and respecting double-tax-treaty residency rules. Residency generally triggered at >183 days. | 15% | €4,250 |
| CyprusProgressive PIT (0% to EUR 22k) + non-dom exemption on foreign dividends/interest✓ sourcedHeadline draw for a non-dom nomad: foreign dividends + passive interest escape SDC entirely (17-yr non-dom window) and securities/crypto-investment gains are largely untaxed (crypto now 8%). Active remote-work/self-employment income is still taxed at ordinary progressive rates with a generous EUR 22k tax-free band. Social insurance burden is the main cost and is based on notional income brackets. | 16.5% | €4,175 |
| AlbaniaProgressive PIT (13% / 23%); worldwide income once resident✓ sourcedAlbania taxes residents on worldwide income; the Unique Permit grants a 12-month non-tax-resident exemption first, but past 183 days/residency the progressive PIT and worldwide scope apply. A self-employed/freelance nomad on the business scale benefits from a 0% income-tax rate up to ALL 14m (~EUR 120k) until 31 Dec 2029 (else 15%/23%); a remote employee falls under the 13%/23% employment scale shown here. No tax treaty with US/CA/AU is the key risk. | 20.1% | €3,997 |
| ItalyImpatriate regime, 50% exemption on progressive IRPEF (5 yrs)✓ sourcedImpatriate (impatriati) regime is the relevant incentive for a DNV holder becoming resident: 50% of qualifying employment/self-employment income exempt from IRPEF for 5 years (60% with a minor child), capped at EUR 600k/yr, requires 3 prior years of non-Italian residency, a degree/high qualification, and a 4-year residency commitment. The remaining 50% is taxed at progressive IRPEF plus regional (~1.23-3.33%) and municipal (~0-0.9%) surcharges. Note 2026 Budget cut the middle bracket from 35% to 33%, and a dedicated DNV tax incentive is under discussion. | 21.5% | €3,925 |
| EstoniaFlat 22% income tax (worldwide income, resident)✓ sourcedThe Digital Nomad Visa is an immigration document, not a tax regime: a nomad who exceeds 183 days becomes a tax resident and is taxed at the flat 22% on worldwide income. Tax-free basic allowance is EUR 8,400/yr (EUR 700/mo) from 2026; the previously planned 24% rate was cancelled in Dec 2025. A 2% income tax on certain Estonian-company-paid income exists from 2026 but does not apply to a foreign-employed/foreign-source remote worker. | 22% | €3,900 |
| NorwayOrdinary tax: 22% flat base + bracket tax (trinnskatt) on personal income✓ sourcedResident = >183 days/12 months (or >270/36). Worldwide income taxed. Note Norway's ~1% net wealth tax on global assets over ~NOK 1.9m and exit tax on latent share gains over NOK 3m. Income-tax effective rate at ~EUR 60k is income tax only (~23%); add 11% social security on top. EUR figures approximate at ~11.7 NOK/EUR. | 23% | €3,850 |
| SpainBeckham Law (special expat regime), 24% flat on employment income up to EUR 600k (6 yrs)✓ sourcedBeckham applies for the arrival year plus 5 more (6 total); requires no Spanish tax residence in the prior 5 years. 24% covers employment income up to EUR 600k (47% above). Key nuance: employment income is taxed on a worldwide basis under Beckham, but non-employment foreign income (foreign dividends, interest, capital gains) is NOT taxed in Spain while in the regime. | 24% | €3,800 |
| GermanyOrdinary progressive income tax (14%–42%/45%), no special nomad regime✓ sourcedNo expat/nomad flat regime exists in Germany. A Freiberufler resident is taxed on worldwide income at the ordinary progressive scale (2025: 0% to EUR 12,096; 14%–42% to EUR 68,429; 42% to EUR 277,825; 45% above). Solidarity surcharge (5.5% of income tax) only bites at higher incomes; church tax (8–9%) if a member. The big real-world cost driver is self-funded health insurance, not income tax alone. | 25.5% | €3,725 |
| SloveniaOrdinary progressive PIT (16-50%, worldwide income, no special nomad regime)✓ sourcedThe Slovenian Digital Nomad Permit (effective 21 Nov 2025) grants NO special tax break; if you exceed 183 days or center your life there you become tax-resident on worldwide income at ordinary 16-50% progressive rates. The permit is max 1 year, non-renewable, so many nomads stay non-resident and avoid worldwide taxation entirely. | 28.9% | €3,555 |
| PortugalOrdinary progressive IRS (worldwide income), IFICI/NHR 2.0 generally unavailable to plain remote workers✓ sourcedD9 holder becomes Portuguese tax resident, taxed on worldwide income at progressive IRS (2026: 12.5%–48%) plus a 2.5%–5% solidarity surcharge above EUR 80k. The 20% IFICI flat regime (NHR 2.0) is narrow, only highly qualified innovation/research roles with degree+experience qualify, so most ordinary remote workers fall under progressive rates, not 20%. | 30.5% | €3,475 |
What this estimate doesn't capture
- Allowances, deductions, and tax-free thresholds beyond the headline brackets (Czechia's trade-licence deduction can roughly halve the rate).
- Exact social-contribution rates, caps, and minimum bases. We fold in an indicative local rate where one is defensible and show ≈0 for foreign-exempt regimes, but the real figure depends on your registration and any totalisation agreement.
- Time limits on special regimes: Spain's Beckham (6 yrs), Italy's impatriate (5 yrs), Greece (7 yrs). Normal rates apply after those run out.
- Double-tax treaties and your home-country filing obligations (pick your passport above for the headline).
Estimates, not tax advice. Rows tagged ✓ sourced carry a regime classified against an official or authoritative tax reference; the rest are best-guess estimates of the headline regime for a remote worker / freelancer. Either way the figure is a headline rate: it ignores deductions, allowances, social-contribution caps, double-tax treaties, and your personal circumstances. Special regimes (Beckham, IFICI, impatriate, non-dom) have eligibility conditions. If you're a US citizen you still file at home (FEIE / foreign tax credit may apply). Confirm with a qualified accountant before deciding anything.