Can I retire early in Cyprus?

It is one of the most popular landing spots for European FIRE, and the tax is why: no tax on gains from shares and funds, and a non-dom pays no defence contribution on dividends for seventeen years. The code was just rewritten, so pair the move with local advice while the new details settle.

Does Cyprus non-dom status make crypto gains exempt?

No. Non-dom status removes SDC from dividends and interest. It does not remove income tax. From 2026, a private crypto sale, exchange, gift or spend is taxed at 8%, with no holding-period exemption.

How long until a Cyprus passport?

8 years of legal residence is the general naturalisation rule, with Greek at B1 + a written civics exam. Dual citizenship is allowed. Permanent residency usually comes at 5 years.

The Europe atlas

Cyprus.

Securities gains simply untaxed, and a rewritten code since January.

Cyprus is where a lot of European FIRE plans actually land. Gains on shares and funds sit outside the tax net entirely, a non-dom pays no defence contribution on dividends for seventeen years, and daily life runs about 11% under the EU average. The whole code was just rewritten, mostly in the mover's favour, but new law means unsettled details. It's the closest thing the EU has to an easy answer; I'd still pay a local adviser before trusting it with my one exit.

Price it in your money

Tell me where you live now and what you spend a month, and every cost here becomes your number: the same life, priced country by country, in your own currency.

Where you live now

You spend, per month

Shown in

A guide, not a quote. I move your monthly spend by each country’s official price level (Eurostat and the World Bank, whole-economy, EU-27 = 100). No exchange rates, so it stays in your own currency. But averages hide rent and the city you pick, and changing country is rarely a straight swap. Read these as the right ballpark, then price the real thing.

Cost of living

EU-27 = 100 · 2025. Living in Cyprus runs about 11% cheaper than the EU average.

63EU 100174

Eurostat (prc_ppp_ind) / World Bank, 2025, CC BY 4.0. Whole-economy price level. Country averages hide big regional and rent spread.

Deals for new residentsNo wealth taxForeign pension rule or regimePassive-income visaGolden visa open

The same life, priced here

A €2,500 a month reference life runs about €2,230 a month here, roughly €26,760 a year, and a ×30 number near €803,000.

Price your own exit

The reference life the calculators use, scaled by the index above: the same whole-economy figure, a guide not a quote.

Where in Europe

The country, in one line

Verified 8 July 2026

Where it stands

EU · the euro; not yet Schengen

The money

The euro

no FX risk on a euro budget

Language

Greek, Turkish

Capital

Nicosia

Hot-summer Mediterranean: the sunniest corner of the EU, mild winters.

Housing

Vs the EU

−8%

a roof here, against the EU-27 average

In Cyprus, buy prices are up 51% since 2015 (+4.5% last year); rents up 29% since 2015.

Deloitte's Property Index doesn't price this country, so there's no per-m² tag here: the comparative level and the trend above are the official read.

Read these as the shape, not the price. Housing is the most divergent cost in Europe, and a national average buries the thing that actually decides it: the city, the street, new-build against old. Treat it as a ballpark, then price the real place. Not property or mortgage advice.

One home, two paths

Price buying against renting in Cyprus.

Bring the purchase price and rent for one genuinely comparable home. I will not carry the Atlas averages into the calculator.

The calculator still works for Cyprus, but it has no automated country rule yet. Choose Custom / anywhere and enter the local purchase costs yourself.

Open Buy or Rent?

Compare housing across the map

Level vs the EU: Eurostat comparative price level for housing (prc_ppp_ind, EU-27 = 100, 2024). Trend: Eurostat house price index and actual-rentals index (2015 = 100, 2025).

What prices did here

Prices here rose 4.1% in the year to June 2026, faster than the euro area’s 2.8%. Since 2020 they’re up 24% in total, about 3.6% a year.

The €26,760 reference life this page prices today took about €21,635 in 2020 money.

Eurostat’s HICP, data through June 2026.

Your own number, restated at today’s prices in Cyprus

How the money you live on is taxed

Cyprus gives very different answers for investments, dividends, crypto and property. Non-dom status changes SDC, not every tax. Several rules changed in 2026, so older summaries can now be wrong.

The full income picture

These are the usual rules for a resident unless a case says otherwise. A new-resident rule, tax wrapper or treaty may change one case without changing the others.

Securities and funds

Exempt

Cyprus does not tax an individual's gain on ordinary shares, bonds, funds or ETFs. Its 20% capital gains tax is mainly for Cyprus property and shares whose value comes substantially from Cyprus property.

Listed shares Exempt: Selling a listed share is an exempt disposal of a title. Cyprus capital gains tax does not apply unless the share falls within the Cyprus-property-rich rule.
Fund and ETF units Exempt: Mutual-fund and ETF units are titles, so the individual disposal is exempt. The rule does not add a domicile or listing-venue condition.
Holding period No minimum holding period: The titles exemption does not depend on holding the asset for a set number of months or years. It is an exemption for the asset class, not a long-holding relief.
Losses No deduction against taxable income: A loss on an exempt title does not create a deductible capital loss. There is no personal carry-forward for these securities losses.
Foreign and US listings Exempt: Foreign shares and foreign fund units receive the same titles exemption. Tax taken abroad on dividends and other foreign obligations remains separate from the sale.
Accumulating funds No annual tax on unsold fund growth: Cyprus does not tax undistributed internal fund income each year for the individual. An accumulating unit can later be sold under the titles exemption. A cash distribution follows the dividend rule instead.

Worth checking

From 2031, the new law can treat certain redemptions from company-form collective investment schemes as dividends. Recheck the fund form before that date.

Dividends

Same Cyprus tax plus tax taken abroad

Dividends are outside personal income tax. A domiciled resident pays the SDC levy and the 2.65% GESY health contribution. A non-dom pays no SDC but still pays GESY. SDC is 5% on profits earned from 2026 and 17% on the older profit pools during the transition.

Cyprus company dividend SDC 5% or 17% if domiciled; 0% SDC if non-dom; GESY 2.65%: A domiciled resident pays 5% SDC on distributions from post-2025 profits and 17% on the transitional older profit pools. A non-dom pays no SDC. Both pay GESY, subject to its €180,000 income cap.
Foreign listed dividend Same Cyprus tax plus tax taken abroad: Cyprus applies the same SDC and GESY treatment to a foreign dividend. The company's country may take tax first. A domiciled resident can use that tax only up to the Cyprus SDC bill. A non-dom has no SDC bill, so may need to reclaim tax from the other country.
EU/EEA company dividend No safe answer yet: No safe answer is shown for this branch yet. Check the payer country and treaty rather than assuming an EU/EEA result.
Third-country company dividend No safe answer yet: No safe answer is shown for this branch yet. Use the general foreign case and check the treaty with the company's country.
Passive or substantial holding Same personal SDC rule: Holding size does not change an individual's SDC rate or non-dom exemption. Corporate participation rules do not become a personal exemption.
Fund or ETF distribution Dividend treatment plus GESY: A fund distribution follows the dividend category for the individual. The accumulating fund case and exempt unit disposal remain separate.
Non-dom and the Article 3D election 0% SDC before the time limit; fixed option later: A non-dom pays no SDC until Cyprus treats them as domiciled. An eligible person can then choose €50,000 each year or €250,000 once for five years. The five-year option can be used twice at most. This changes the SDC method, not the non-dom period. GESY still applies.

Worth checking

The year the company earned the profit decides whether SDC is 5% or the transitional 17%. Article 3D and GESY are separate layers.

Crypto

From 2026, a private sale, swap, gift or spend is taxed at 8%. A crypto loss can reduce only crypto gains from the same year. Mining follows the normal income rules, and non-dom status does not remove the 8% charge.

Sale to fiat 8%: Cyprus taxes the net disposal gain at 8% from 1 January 2026.
Crypto-to-crypto exchange 8%: Exchanging one crypto-asset for another is a disposal under the 8% rule.
Spending crypto 8%: Paying for goods or services with crypto is a disposal under the 8% rule.
Holding relief and losses No holding relief; same-year loss offset only: Holding the asset longer does not remove the 8% charge. Crypto losses can offset only crypto gains in the same tax year and do not carry forward.
Staking and lending No safe answer yet: No safe answer is shown yet. Do not apply the 8% disposal rate to staking or lending yield without a source.
Mining, validation and airdrops Mining uses ordinary income rules: Mining is expressly outside the 8% disposal regime and follows the ordinary income rules. The treatment of validator rewards and airdrops is not pinned from a source yet.
Private investor or business No safe answer yet: No safe answer is shown yet. Confirm whether professional activity remains inside the 8% rule or moves to business income.
Wealth and exit tax Neither applies to a private holding: Cyprus has no net wealth tax and no personal exit tax, so the private crypto holding is outside both.
Non-dom No relief from the 8% charge: Non-dom status removes SDC, not income tax. It does not reduce the 8% crypto disposal tax.

Worth checking

The live gaps are staking, airdrops, professional activity and the cost basis of coins acquired before Cyprus residence.

All 34 crypto rules, side by side

Pensions

5% above €5,000, or ordinary rates

Each year, a resident can choose 5% tax on the part of a foreign pension above €5,000. If the normal income-tax bands produce a lower bill, the resident can use those instead. This choice is not limited to the first few years after moving.

Cyprus pension Income-tax bands; first €22,000 exempt from 2026: A Cyprus-source pension uses the ordinary personal income tax bands and GESY. The 5% election is limited to qualifying foreign pensions.
Foreign state or social-security pension 5% above €5,000, or ordinary rates: The resident can make the annual 5% election for qualifying foreign pension income. The paying country may still have a treaty right. Cyprus gives credit only up to its own bill, so some tax paid abroad can remain unrecovered.
Foreign occupational or private pension 5% above €5,000, or ordinary rates: A qualifying foreign occupational or private pension can use the same annual election. The treaty often lets Cyprus tax the pension as the resident country. The exact article must confirm whether the paying country may also take tax.
Foreign government or civil-service pension No safe answer yet: This pension has its own treaty article and is not the state-pension case. Check the paying country and treaty before assuming the 5% election applies.
Foreign pension lump sum Scheme and treaty decide: The statutory exemption reaches a qualifying commutation from an approved scheme, not every foreign lump sum. Confirm the scheme, payment form and treaty before relying on an exemption.
Foreign-pension election 5% above €5,000; yearly choice; no time limit: The election is a standing resident option for qualifying pension income earned from services abroad. It is not a new-resident rule and does not exempt other foreign income.

Worth checking

The threshold rose from €3,420 to €5,000 in 2026. Government pensions and lump sums still need the actual treaty and scheme.

If you own a company

Cyprus SDC plus tax taken abroad

A Cyprus company pays 15% from 2026. A dividend to the owner then follows the SDC, domicile and GESY rules. Managing a foreign company from Cyprus can also make that company taxable there.

Company profit 15% from 2026: A Cyprus-resident company pays 15% before any owner extraction. A foreign company whose main decisions are made from Cyprus can face the same company tax on worldwide profit.
Distribution from a Cyprus company SDC 5% or 17% if domiciled; 0% if non-dom; GESY: A domiciled owner pays SDC according to the profit vintage and both domiciled and non-dom owners pay GESY. The 2026 reform ended the forced-distribution tax rule for post-2025 profits.
Distribution from a foreign company Cyprus SDC plus tax taken abroad: Cyprus applies the owner's domicile and GESY position to the foreign dividend. The company's country taxes its profit and may also tax the payment. A non-dom has no Cyprus SDC bill against which to use that foreign tax.
Foreign entity type No safe answer yet: No safe answer is shown yet. Confirm whether Cyprus treats the foreign vehicle as a company or looks through it before calling the payment a dividend.
Ownership threshold No personal threshold effect: Holding size does not change the individual's SDC rate or the titles exemption on an ordinary share sale. Corporate participation rules are a separate layer.
Sale of your stake Exempt, unless Cyprus-property-rich: An ordinary company share sale is an exempt disposal of a title. If at least 20% of the share value comes from Cyprus immovable property, the property-linked gain enters 20% capital gains tax.
Salary or director fee Income-tax bands plus social insurance and GESY: Salary and director fees are employment income under the ordinary bands, with social insurance and GESY. A foreign director fee also has its own treaty article.
Social and remuneration risk No safe answer yet: No safe answer is shown yet. Review salary, dividends and personal work together before assuming a contribution result.
Running the company from Cyprus The company can become taxable in Cyprus: Making the main company decisions from Cyprus can move the company's tax residence there. Activity in Cyprus can also create a taxable business presence. From 2026, a company incorporated in Cyprus is resident there by default. A treaty settles any clash with another country.
Controlled foreign company Can tax profit before a dividend is paid: Cyprus can tax a Cyprus company on certain passive profit earned by a controlled, low-taxed foreign subsidiary before any dividend is paid. This company-level rule has a small-profit exception.
Non-dom 0% SDC on distributions; corporate layer remains: Non-dom status can remove SDC from a distribution for up to 17 years. It does not remove the 15% company tax, GESY or the risk that Cyprus taxes the foreign company itself.

Worth checking

The 15% company rate and incorporation-based residence test both began in 2026. Where the main company decisions are made remains the central question for a company still registered abroad.

Review the company and your personal position together before the move.

Interest and cash

SDC for domiciled; 0% SDC for non-dom; GESY 2.65%

Interest is outside personal income tax but within SDC for a domiciled resident, with a reduced rate for specific Cyprus cases. A non-dom pays no SDC. GESY still applies.

Cyprus bank or bond interest SDC for domiciled; 0% SDC for non-dom; GESY 2.65%: A domiciled resident pays SDC on ordinary deposit and bond interest. Some Cyprus government or development bonds and low-income cases receive a reduced SDC rate, but the exact current rates are not pinned here. A non-dom pays no SDC, and GESY applies to both.
Foreign interest Cyprus SDC plus tax taken abroad: Cyprus applies the resident's SDC and GESY position to foreign interest. The other country may take tax first. Cyprus gives credit only up to its SDC bill. A non-dom has no SDC bill to use that credit against.
Allowances and levies No general allowance; GESY 2.65%: Cyprus provides no general interest allowance. Reduced SDC cases are narrow, and GESY applies subject to the annual income cap.
Non-dom 0% SDC for up to 17 years; GESY remains: A non-dom resident pays no SDC on worldwide interest until Cyprus treats them as domiciled. GESY and tax taken abroad can still apply.

Worth checking

The exact individual SDC rate on ordinary interest and the reform's passive- interest boundary need rechecking before implementation.

Rent

Income-tax bands after 20% building deduction; GESY 2.65%

Rent uses the ordinary personal income tax bands after the building deduction. SDC on rent ended in 2026, while GESY remains. Foreign property is normally taxed first where it sits.

Property in Cyprus Income-tax bands after 20% building deduction; GESY 2.65%: Cyprus taxes rental income under the ordinary bands after the standard 20% building deduction and other qualifying items. SDC on rent was abolished from 2026, but GESY remains.
Property abroad Cyprus income tax plus property-country tax: The property country normally taxes the rent first. Cyprus includes the income after its deduction, then gives credit only up to the Cyprus bill. Non-dom status does not exempt rental income.
EU/EEA property branch No safe answer yet: No safe answer is shown for this branch yet. Check the property country and treaty pair.
Rental deductions 20% standard building deduction: The building deduction applies at 20%, with qualifying mortgage interest and capital allowances considered separately. This is the headline shape, not a return calculation.

Worth checking

SDC on rent is gone from 2026, but ordinary income tax and GESY remain. Non-dom status does not shelter the rent.

Property gains

20% less a conditional lifetime exemption

Cyprus applies 20% capital gains tax mainly to Cyprus property and shares whose value comes substantially from Cyprus property. A gain on foreign property sits outside this tax, so the country where the property is located normally taxes it.

Cyprus main home 20% less a conditional lifetime exemption: A Cyprus main-home gain starts inside the 20% charge, with a lifetime main-residence exemption, indexation and the historic or 1980 base rules potentially reducing it. The exact allowance is not pinned here.
Cyprus investment or second property 20% less the general lifetime exemption: A Cyprus investment-property gain is 20%, with the smaller general lifetime exemption, indexation and the applicable historic or 1980 base. The exact allowance is not stated here.
Foreign property Outside Cyprus capital gains tax: Cyprus does not tax a private investment gain on property outside Cyprus. The country where the property sits normally taxes the sale. Frequent property dealing can still be treated as a business instead of a private investment.
Foreign EU/EEA property branch No safe answer yet: No safe answer is shown for this branch yet. Check the property country and treaty pair.
Foreign third-country property branch No safe answer yet: No safe answer is shown for this branch yet. Check the property country and treaty pair.
Main-home conditions Lifetime allowance; conditions apply: The main-residence relief is a lifetime allowance for a qualifying Cyprus home, not an allowance renewed on every sale. The exact amount and use conditions are not pinned here.
Starting value after a move No arrival reset: Cyprus property keeps its original starting value, or the 1 January 1980 value where that rule applies. Foreign property remains outside Cyprus capital gains tax and receives no new Cyprus starting value.
Non-dom No effect on property gains: Non-dom status changes SDC, not capital gains tax. It neither exempts a Cyprus property gain nor changes the already out-of-scope foreign property gain.

Worth checking

The property-rich share threshold fell from 50% to 20% in 2026. The lifetime allowance figures and 1980 base mechanics remain intentionally numberless here.

Royalties

Income-tax bands plus GESY

Personal royalties use the ordinary income-tax bands. Non-dom status does not exempt them. The Cyprus IP box belongs to companies, not individual licensors.

Cyprus royalties Income-tax bands plus GESY: A royalty received personally is ordinary income. Active trade can also bring self-employed social insurance and the self-employed GESY rate.
Foreign royalties Cyprus income tax plus tax taken abroad: Cyprus taxes the gross royalty. Tax taken abroad can reduce the Cyprus bill only as far as zero. The treaty sets how much the other country may take. Non-dom status does not exempt royalties.
Which rights qualify Personal income; company IP box separate: Copyright, patent and licensing receipts held personally use ordinary income tax. The 80% deduction for qualifying IP profit is a company provision, not a personal one.
Passive or active No safe answer yet: No safe answer is shown yet. Confirm whether the activity is passive income or an active business before applying social charges.
Social contributions and VAT No safe answer yet: No safe answer is shown yet. Check social insurance, GESY and VAT for the exact activity.

Worth checking

Royalty tax follows the current personal bands. The active-work and contribution boundary remains excluded until it has clause-level support.

If you still work

0% to €22,000, then rates up to 35%; contributions extra

Employment and self-employment use the ordinary personal bands, with social insurance and GESY alongside them. Work performed from Cyprus can also create duties for a foreign employer.

Employment in Cyprus 0% to €22,000, then rates up to 35%; contributions extra: Work physically performed in Cyprus uses the ordinary bands, with employee social insurance and GESY added separately.
Remote work for a foreign employer Cyprus tax; employer risk: A resident working from Cyprus is within Cyprus tax even when the employer is abroad. The foreign employer can acquire payroll duties or a taxable business presence. The treaty decides which country taxes the workdays. An A1 certificate or another agreement separately decides social security.
Self-employment and consulting Income-tax bands plus self-employed contributions: Consulting profit uses the ordinary personal bands. Self-employed social insurance and the 4% self-employed GESY rate sit beside the income tax.
Director fees Separate treaty article: Director fees are personal income and have their own treaty category. A fee from a foreign company can therefore attract tax in the company's state as well as Cyprus relief.
New-resident employment exemption No safe answer yet: No safe answer is shown yet. Do not rely on a 50% or 20% employment exemption until the threshold, duration and eligibility are verified for the current year.

Worth checking

The €22,000 starting threshold is enacted for 2026. The inbound employment exemptions and contribution rates still need the current official conditions.

One layer stays off this page: the tax taken inside a fund before its dividend ever reaches you. Everything above is the tax after it.

The withholding guide explains that layer The Domicile Tax prices it on your pot

Three terms that matter in Cyprus

Domicile and non-dom

Tax residence decides whether Cyprus taxes you as a resident. Domicile is a separate test used for SDC. A resident who is still non-dom can avoid SDC for up to 17 years, but not every other tax.

SDC

The Special Defence Contribution. For an individual, it mainly sits beside dividends and interest. The rate depends on domicile and, for dividends, when the company earned the profit.

GESY

The health contribution. It can still apply when non-dom status removes SDC, which is why "0% SDC" does not mean "no tax".

Your first tax year and starting values

Two dates matter: when your new country starts taxing you, and which value it uses to work out a later gain. Check both before you move.

When residence starts: Cyprus has a 183-day route and a shorter 60-day route. The shorter route also requires qualifying work, a business or a directorship in Cyprus, plus a permanent home there. You must spend at least 60 days in Cyprus and no more than 183 days in any other one country.
The arrival year: Residence is tested for the calendar year rather than through a formal UK-style split year. The result is generally a resident or non-resident year under the 183-day or 60-day test.
Dual residence: The 2026 law removed the former condition that a 60-day resident must not be tax resident elsewhere. If another state also claims residence, the treaty tie-breaker must settle the overlap.

Listed shares and funds: Starting value does not matter for an exempt sale
An individual's later sale of ordinary shares or funds is exempt. Cyprus therefore does not need a starting value to calculate a gain in that case.
Crypto: No safe answer yet
No safe answer is shown yet. Confirm the starting value for crypto acquired before Cyprus residence before calculating a disposal under the new 8% rule.
Owner-company stake: Usually irrelevant because the share sale is exempt
An ordinary company share sale is exempt, so the value on arrival does not affect it. Shares deriving at least 20% of their value from Cyprus property enter the separate property-gain rule.
Property: No arrival reset
Cyprus property keeps its original value, or the 1 January 1980 value where that rule applies. Foreign property stays outside Cyprus capital gains tax, so moving there does not create a new starting value.

These answers carry dates because the rules move.

See what changed in the atlas changelog Look up a term in the glossary

Plain-language key

Withholding tax: Tax taken before the money reaches you, usually in the country where the payment comes from.
Tax credit: Tax already paid abroad can reduce the bill where you live. The reduction is usually capped at the local tax on that same income.
Original purchase cost: What you paid for the asset. A market-value reset replaces that figure with the asset's value when you move.
Income-tax bands: The income is added to your other taxable income. Higher total income can push part of it into a higher band.
Permanent establishment: A taxable business presence. Running a foreign company from your new home can create one even if the company remains registered abroad.

This gives you the starting rule, not your final bill. The country paying the money, your treaty, account, holding period, residence dates and activity can change the result.

The system around it

Wealth & exit tax

No wealth tax, and no exit tax on private portfolios.

Inheritance & gifts

None: estate duty was abolished for deaths after January 2000; only filing duties and the usual transfer fees remain.

Worth watching

The reform is six months old and professionals still argue points of it, the interest rules for individuals especially. Any plan built on Cyprus deserves a local adviser and a current reading.

Same pattern elsewhere

The terms, defined

Geoarbitrage

Compare head-to-head

Entry rules

Your passport

Can you actually move here?

Hold an EU or EEA passport and the door isn't the question: freedom of movement covers the move itself. The clocks and the tax-residency rules below still run for you.

With your passport, skip the doors: the clocks and the tax-residency rules are what matter for you.

No EU passport means one of the doors on the left: each checked against the authority that issues it.

The route in

The 'pink slip'

≈€24,000/yr for a single applicant, +20% for a spouse, +15% per child, routed through a Cyprus account (2026 guides)

Golden visa

Open

Open: €300,000 (plus VAT) into a first-sale home (or commercial property, company shares or funds), plus €50,000 of secure annual income, checked yearly.

The passport

8 yrs

permanent residency at 5 yrs · dual allowed · Greek at B1 + a written civics exam

When you become tax-resident

183 days, or just 60, under the famous 60-day rule: a home here, ties here, and no 183 days anywhere else

Cyprus runs Europe's most FIRE-shaped tax trigger (the 60-day rule can make you resident with two months and a lease), alongside a modest visitor route and a €300,000 golden visa that survived where others died. The catches: the visitor permit dies after three months away, public health cover waits for permanent residence, and Schengen membership is still a Council vote away.

Keeping the permit: void if you stay outside Cyprus more than three consecutive months

Worth watching

Schengen accession is the one to watch: technically ready and Commission-backed (May 2026), with the unanimous vote floated for December 2026 and 2027 the realistic entry.

Check it yourself: European Commission: Cyprus's citizenship legislation · PwC: Cyprus tax residence (the 60-day rule)

Getting-in rules checked July 2026. They move faster than tax law: confirm the current rule with the authority before you plan a move around it. Education, not immigration advice.

Health

GESY, the universal system, takes third-country nationals only at permanent residence: on the pink slip you're outside it, on mandatory private cover; once in, contributions run 2.65% of income, capped.

Healthcare access checked July 2026. Systems are stable but details shift: confirm before you rely on them. Education, not health-insurance advice.

Your pension, the official number

This country’s official, free place to check where your pension stands: Social Insurance Services (gov.cy) .

What it’s worth to an early exit: The Pension Bridge

Common questions

Can I retire early in Cyprus?: It is one of the most popular landing spots for European FIRE, and the tax is why: no tax on gains from shares and funds, and a non-dom pays no defence contribution on dividends for seventeen years. The code was just rewritten, so pair the move with local advice while the new details settle.
Is there a wealth tax or exit tax in Cyprus?: No wealth tax, and no exit tax on private portfolios.
Does Cyprus non-dom status make crypto gains exempt?: No. Non-dom status removes SDC from dividends and interest. It does not remove income tax. From 2026, a private crypto sale, exchange, gift or spend is taxed at 8%, with no holding-period exemption.
Can an American or a Brit retire early in Cyprus?: Yes. The door is the 'pink slip': an annual visitor permit for living on foreign income: no Cyprus work; the practical figures are law-firm-pinned, not authority-published. The bar is ≈€24,000/yr for a single applicant, +20% for a spouse, +15% per child, routed through a Cyprus account (2026 guides). An EU or EEA passport skips the visa question entirely: freedom of movement covers the move itself. Rules like these move. Confirm with the immigration authority before planning around them.
How long until a Cyprus passport?: 8 years of legal residence is the general naturalisation rule, with Greek at B1 + a written civics exam. Dual citizenship is allowed. Permanent residency usually comes at 5 years.

Run your own numbers.

The Exit Calculator

Years to your number, at your savings rate.

Open

Where You Live

What an annual wealth tax does to the maths, deliberately simplified.

Open

The Geoarbitrage Map

The same life, priced across 58 countries.

Open

The brokers

Four of the nine brokers on the broker guide advertise accounts here.

None of them does your tax paperwork here: every row means filing yourself; the guide shows what that involves.

The broker guide: all nine, and your bank The Broker Bill: your yearly bill, filtered to this country

The whole system (wrappers, funds, withdrawal, the blank page) is in the guide: The European FIRE guide

None of this is tax or investment advice: it's education, kept deliberately at the level that survives fact-checking. Rules shift with every budget round; the specifics of your situation belong with a licensed adviser in your country. I'm happily not one.

This page was last verified against official sources on 8 July 2026. What's changed on the map

Sources: check it yourself

Income and cross-border tax (15)

Open the sources behind each topic

How the money you live on is taxed

Dividends

Keep it honest

Know a figure here that’s wrong or out of date? Point me to the line and a source: every correction gets checked, and it’s how the map stays right.

Report a correction

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