Can I retire early in Hungary?

Yes, and the TBSZ account is the reason: leave it untouched for five full years and the gains and dividends inside it escape tax entirely, social charge included. Without it, gains meet a flat 15%: still simple, just no longer free.

Does Hungary have a separate rule for a foreign pension?

Hungary has no special newcomer pension regime. Qualifying pension income is already exempt under ordinary law, including treaty-defined foreign pensions.

Can an American or a Brit retire early in Hungary?

No passive-income category: the White Card wants active remote work (€3,000/mo net) and is barred from ever becoming permanent residence. An EU or EEA passport skips the visa question entirely: freedom of movement covers the move itself. Confirm with the immigration authority: routes open and close.

The Europe atlas

Hungary.

Flat 15%, and a five-year account that pays no tax at all.

Hungary rewards a plan. Gains on exchange-traded funds meet a flat 15%, but the real prize is the TBSZ account: fund it, leave it alone for five full years, and the tax falls to nothing, social charge included. Living costs run about 22% under the EU average. The fine print re-prices every January, so my rule here is simple: open the account early, then let the calendar do the optimising.

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 Hungary runs about 22% 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.

No wealth taxGolden visa open

The same life, priced here

A €2,500 a month reference life runs about €1,940 a month here, roughly €23,280 a year, and a ×30 number near €698,000.

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 9 July 2026

Where it stands

EU · Schengen; the forint, not the euro

The money

THE forint

a euro budget carries the forint’s FX swing

Language

Hungarian

Capital

Budapest

Continental: cold winters, hot summers.

Housing

To buy

€3,087/m²

a new-build asking price

To rent

€12.0/m²

in Budapest, about €840/mo for 70 m²

Vs the EU

−39%

a roof here, against the EU-27 average

In Hungary, buy prices are up 267% since 2015 (+18.3% last year); rents up 105% since 2015.

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 Hungary.

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 Hungary, 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

Buy price and rent: Deloitte Property Index 2025 (14th ed., 2024 data). 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 2.1% in the year to June 2026, slower than the euro area’s 2.8%. Since 2020 they’re up 57% in total, about 7.9% a year.

Eurostat’s HICP, data through June 2026.

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

How the money you live on is taxed

The Hungary result starts with the source of the money, not one national tax rate. Keep investment sales, cash income, pensions and company profit in separate calculations.

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

15% flat

A listed-share or fund-unit gain normally carries 15% tax. A qualifying market transaction or long-term investment account can change the loss and holding result.

Listed shares 15% flat: The traded-price gain on listed shares is separately taxed income at a flat 15% personal income tax. The base is sale price less documented acquisition cost and transaction costs.
Fund and ETF units 15% flat (0% or 10% inside a long-term investment account): For this case, gains on fund/ETF units are taxed the same way as other securities at a flat 15%. Held inside a long-term investment account (long-term investment account) the rate falls to 10% after a 3-year holding and 0% after 5 years.
Holding period and allowances No ordinary holding discount (long-term investment account is the route to 0%): Hungary gives no ordinary holding-period discount on directly held listed securities. The gain remains flat 15% regardless of time held.
Losses Different rules apply: For controlled capital market transactions, gains and losses are netted across the year and a net loss supports a 'tax equalisation' (adokiegyenlites). The tax attributable to the loss can reduce tax on gains in the following two tax years. These controlled-transaction gains also stay outside the social contribution tax.
Foreign and US listings 15% flat: A resident's gain on foreign/US listed shares carries tax at the same flat 15%. Most treaties leave a securities gain to the residence state (Hungary), so source tax on the gain is uncommon. Check the treaty for source tax and Hungary's relief.
Accumulating funds and annual tax Taxed on disposal (no annual deemed charge): Hungary has no annual deemed-distribution or advance-tax on an accumulating fund's fund income for individual investors. Accumulating-fund income is taxed only on disposal, as a 15% gain (or 0%/10% inside a long-term investment account).

Worth checking

The minimum wage changes the social-tax cap and some small-transaction thresholds. Rules for newer long-term investment accounts also need checking before each disposal.

Dividends

15% plus tax taken abroad

A listed-share dividend carries 15% tax. A capped 13% social tax can also apply, with an exception for qualifying EEA-listed shares.

Hungarian company dividend 15% plus up to 13% social tax (capped): A dividend from a Hungarian company is paid after deduction of the 15% personal income tax by the payer. A 13% social contribution tax is also due once the individual's relevant income reaches 24x the minimum wage.
Foreign listed-share dividend 15% plus tax taken abroad: A foreign dividend received by a Hungarian resident carries tax at 15%, against which the dividend tax paid abroad is credited on evidence. Absent a double-tax treaty, at least 5% must still be paid in Hungary.
EU or EEA company dividend Taxable under the ordinary rule: The rate line above gives the resident result. The rule is tested when the income is received. The treaty can change source-country tax and relief.
Third-country company dividend 15% (no EEA social-tax exemption): A dividend from a company whose shares are not EEA-stock-exchange-listed (typically a third-country payer) is 15% personal income tax plus the 13% social tax up to the 24x-minimum-wage cap. Check the treaty for source tax and Hungary's relief.
Passive or substantial holding 15% regardless of holding size: The rate line above gives the resident result. The rule is tested when the income is received.
Fund or ETF distribution 15%: The distribution from a fund/ETF is taxed as investment income at 15%. For the accumulating side, (no annual deemed charge).
New-resident treatment No separate rule: Hungary has no separate non-domicile, remittance-basis or newcomer regime. A mover becomes an ordinary resident taxed on worldwide income at the flat 15%.

Worth checking

The dividends watch depends on the asset classification, source country or treaty. Recheck the stated conditions before acting.

Crypto

15% (no social tax)

Private crypto transaction income carries 15% tax with no social tax. Crypto-to-crypto exchanges are deferred, and the annual result can include qualifying losses.

Sale for money 15% (no social tax): The rate line above gives the resident result. The rule is tested when the asset is sold or otherwise disposed of.
Crypto-to-crypto exchange Not a taxable event: Exchanging one crypto-asset for another is not a taxable event. Only an exit to fiat, goods or services triggers the 15% charge.
Spending crypto 15%: Exchanging crypto for goods or services is taxable in the same way as an exchange to fiat. It is a realisation event feeding the yearly 15% crypto-income computation.
Holding relief and losses Different rules apply: The rate line above gives the resident result. The rule is tested when the asset is sold or otherwise disposed of.
Staking and lending No safe answer yet: No safe answer is shown for this exact case yet. Check the facts and treaty before relying on a result.
Mining, validation and airdrops No safe answer yet: No safe answer is shown for this exact case yet. Check the facts and treaty before relying on a result.
Private investor or business 67 or C (private) vs business income: This 67/C regime is aimed at a private individual's transactions. For this case, habitual, professional or business-scale activity can be reclassified as business/entrepreneurial income (progressive/consolidated rules plus contributions) rather than the flat 15% separate crypto income.
Wealth tax and departure tax No separate rule: For this case, Hungary has no net-wealth tax, so crypto is not wealth-taxed.

Worth checking

Crypto is new and tax authority interpretive practice is still developing. Staking/mining/airdrop characterisation is the softest area.

All 34 crypto rules, side by side

Pensions

Exempt if within the statutory pension definition

Hungary broadly exempts pension income from personal income tax. The exemption can cover income treated as a pension under a tax treaty and corresponding foreign pension income.

Hungary pension Exempt: This case is exempt when the stated conditions are met. The holding period, asset type or treaty can change that result.
Foreign state or social-security pension Exempt if within the statutory pension definition: This case is exempt when the stated conditions are met. The holding period, asset type or treaty can change that result.
Foreign occupational or private pension Exempt if within the statutory pension definition: An occupational or private pension/annuity can be exempt. This applies where it is treaty-defined as pension or is corresponding pension income paid by a foreign organisation under personal income tax Act The actual treaty decides source rights.
Foreign government or civil-service pension Usually source-state only: A government/civil-service pension has its own treaty article: usually taxable only in the paying (source) state. This applies unless the recipient is a Hungarian national and resident.
Foreign pension lump sum No safe answer yet: No safe answer is shown for this exact case yet. Check the facts and treaty before relying on a result.
Special foreign-pension rule None needed (ordinary exemption already applies): Hungary has no special newcomer pension regime and needs none. Pension income is already exempt under ordinary law, including treaty-defined foreign pensions.

Worth checking

This whole reduced result hinges on the payment being 'defined as pension in the provisions of treaties'. For this case, drawdown, annuity and insurance-wrapper products that a treaty does not treat as pension can fall to ordinary 15% income.

If you own a company

15% (blacklisted payers differ)

A Hungarian company pays 9% company tax plus local business tax of up to 2%. A dividend to the owner then carries 15% personal income tax and, where applicable, a capped 13% social tax.

Company profit Taxable under the ordinary rule: A Hungarian company pays a flat 9% corporate income tax on its positive tax base plus a local business tax capped at 2% of net revenue. A minimum tax base of 2% of revenue can apply.
Distribution from a Hungarian company 15% plus up to 13% social tax (capped): A dividend from the owner's Hungarian company is 15% personal income tax withheld by the company. The calculation also includes the 13% social tax once income reaches 24x the minimum wage (capped).
Distribution from a foreign company 15% (blacklisted payers differ): For this case, if the payer is in an offshore/blacklisted state the dividend is taxed as consolidated income instead. Check the treaty for source tax and Hungary's relief.
Foreign entity type Special rule: Hungary could treat a foreign vehicle differently from its home state (for example a transparent partnership vs an opaque company). This rule can recharacterise what the old country called a 'dividend' as current business income.
Ownership threshold No personal participation threshold on dividends: For the individual there is no participation-size threshold that changes the 15% dividend rate. A controlling owner and a 1% holder are taxed the same at the personal level.
Sale of your company stake 15% flat: For this case, sale of the owner's shareholding is a securities gain taxed at 15% (sale price minus documented cost). The 13% social tax on the gain applies only above the 24x-minimum-wage cap.
Salary or director fee 15% personal income tax plus social contributions: Salary and directors'/senior-officer remuneration are consolidated employment-type income at 15% personal income tax, plus employee social security contributions (18.5%) and employer social tax (13%).
Social contributions and remuneration risk Special rule: The capped dividend social tax and the uncapped employment contributions create an incentive/anti-avoidance tension for owner-managers between taking salary vs dividend.
Running the company from Hungary Special rule: Running a foreign company day-to-day from Hungary can make the company Hungarian tax-resident by place of effective management, or create a Hungarian permanent establishment. Pulling its profit into the 9% Hungarian company tax (plus local business tax).
Controlled foreign company rules Special rule: Hungary operates EU anti-avoidance controlled foreign companies rules at the corporate level. A low-taxed foreign subsidiary's undistributed passive income can be attributed to a Hungarian controlling company.

Worth checking

Hungary's 9% company tax is only one layer. Effective management, a taxable business presence and controlled-foreign-company rules can affect a foreign company run from Hungary.

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

Interest and cash

15% (plus 13% social tax on post-1-Jul-2023 instruments)

Interest carries 15% personal income tax. A 13% social tax also applies to interest on instruments purchased after 1 July 2023.

Hungary bank or bond interest 15% (plus 13% social tax on post-1-Jul-2023 instruments): Interest on Hungarian deposits, publicly traded debt securities and investment fund shares carries tax at a flat 15% (tax authority 5.3). Since 1 July 2023 a 13% social tax also applies to interest derived from instruments purchased on or after that date.
Foreign bank or bond interest 15% (foreign tax relieved): Foreign interest carries tax at a flat 15%. The 13% social tax on post-1-July-2023 instruments can apply. Check the treaty for source tax and Hungary's relief.
Allowances and extra charges Taxable under the ordinary rule: Hungary has no general exempt interest allowance. A long-term investment account uses 15% in the first three years, 10% in years four and five, and 0% after five years.

Worth checking

The 1 July 2023 interest social tax began as an 'extra-profit' measure and its scope/duration is politically volatile. Re-check each January package for whether it is extended, capped or repealed.

Rent

15% (10% flat or itemised cost deduction)

Rental income carries tax at the flat 15% personal income tax. This individual may deduct either itemised documented costs or a flat 10% cost allowance.

Property in Hungary 15% (10% flat or itemised cost deduction): Rent from a Hungarian property carries tax at 15% personal income tax. The lessor deducts either itemised documented costs or a flat 10% of revenue as cost (tax authority treats lessors as having self-employment-type income).
Property abroad Taxable under the ordinary rule: Using the immovable-property article of most treaties, rent is taxable in the state where the property sits. For this case, absent a treaty, Hungary taxes at 15% with a 90%-of-foreign-tax credit for consolidated income.
Rental deductions 10% flat or itemised (including depreciation): The lessor picks either the flat 10% cost allowance or itemised documented costs (which can include depreciation). Only one method per year.

There is no separate rule here. Use the general foreign-income case, then check what the treaty says about the country paying the money.

Worth checking

Short-let / room-letting has separate itemised flat-tax options (per-room annual amounts) that differ from long-let. Municipal building/tourism taxes sit outside personal income tax.

Property gains

15% on tapered base (0% after 5 years)

Flat 15% personal income tax on a real-estate gain, but the taxable base tapers with ownership. 100% in year 1, 90% year 2, 60% year 3, 30% year 4, and 0% from the 5th year.

Hungary main home 15% on tapered base (0% after 5 years): The rate line above gives the resident result. The rule is tested when the asset is sold or otherwise disposed of.
Hungary investment or second property 15% on tapered base (0% after 5 years): An investment/second property follows the same 100 / 90 / 60 / 30 / 0% holding-period taper on the 15% personal income tax. This base is sale price minus acquisition cost and documented improvement/transfer costs.
Foreign property Taxable under the ordinary rule: Immovable property is normally taxable where it sits. Hungary then exempts that treaty-taxed gain (tax authority double-tax, dividends aside).
Main-home conditions No separate main-home exemption (holding-period taper instead): Hungary has no separate principal-residence exemption. Relief is delivered purely through the holding-period taper (0% from year 5).
Starting value after a move Taxable under the ordinary rule: Cost basis is historic acquisition cost, not market value on arrival. The holding-period taper counts from acquisition no matter when Hungarian residence began.

There is no separate rule here. Use the general foreign-income case, then check what the treaty says about the country paying the money.

Worth checking

Municipal building/land taxes and the buyer's transfer duty sit outside personal income tax.

Royalties

15% on net (10% flat or itemised cost)

Royalty income at its original holder is taxed under the self-employment rules. 15% personal income tax on net income, computed with either itemised costs or a flat 10% cost allowance, within the consolidated tax base.

Hungary royalties 15% on net (10% flat or itemised cost): The rate line above gives the resident result. The rule is tested when the income is received.
Foreign royalties Taxable under the ordinary rule: A foreign royalty is 15% personal income tax on net self-employment income. The treaty's royalty article sets any tax taken in the source country (OECD-model often 0%, some treaties a low cap).
Which rights qualify Taxable under the ordinary rule: The self-employment treatment applies to royalty income 'at its original holder'. That is the creator/first owner of the copyright, patent or licence.
Passive or active Different rules apply: A one-off royalty uses the ordinary self-employment cost rules. A continuing licensing business can instead enter the entrepreneurial regime with mandatory contributions.
Social contributions and value-added tax Taxable under the ordinary rule: For this case, self-employment-type royalty income can attract social contributions, and licensing activity may bring value-added tax-registration duties.

If you still work

15% personal income tax plus 18.5% employee plus 13% employer

Employment income is 15% personal income tax plus employee social security (18.5%) and employer social tax (13%). Self-employment/entrepreneurial income is 9% entrepreneurial income tax (or flat-rate/small-resident regime at HUF 50,000/month) plus mandatory contributions.

Employment in Hungary 15% personal income tax plus 18.5% employee plus 13% employer: Employment income is consolidated income at 15% personal income tax, with an 18.5% employee social security contribution and a 13% employer social tax. Family and under-25/first-marriage base allowances can reduce the personal income tax base.
Remote work for a foreign employer 15% personal income tax (employer-taxable business presence risk): The Hungarian resident working remotely for a foreign employer is taxed on that employment income at 15% (worldwide income). The employer risks creating a Hungarian permanent establishment and Hungarian payroll/registration duties. Check the treaty for source tax and Hungary's relief.
Self-employment and consulting 9% entrepreneurial income tax or flat-rate or small-taxpayer regime plus contributions: A private entrepreneur pays a 9% entrepreneurial income tax on profit plus an entrepreneurial dividend tax on withdrawals, subject to minimum income and contribution bases.
Director fees 15% personal income tax plus contributions: Directors'/senior-officer fees and pay for personal participation and elected office are employment-type consolidated income at 15% personal income tax plus contributions (tax authority 4.1). Under a treaty, directors' fees are usually taxable in the company's state.
New-resident worker rule No separate rule: Hungary has no special inbound-expatriate income-tax regime. The flat 15% applies to everyone.

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

Two terms that matter in Hungary

TBSZ

A long-term investment account with staged tax relief. Full relief depends on keeping the account through its five-year period.

Controlled capital-market transaction

A qualifying brokered market trade. It can keep a securities gain outside the separate social-contribution charge.

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: Residence can arise through nationality, the 183-day test or, for some people, a permanent home and centre of vital interests. The precise route depends on citizenship and status.
The arrival year: Hungary assesses residence and income by calendar year. For this case, worldwide-income liability turns on meeting a residence test for the year, with the 183-day count assessed over the calendar year.
Dual residence: A Hungarian national is treated as resident irrespective of days, which creates a real dual-residence risk for a returning citizen. The treaty tie-breaker (permanent home / centre of vital interests / habitual abode / nationality) then decides.

Shares, funds, crypto, an owner-company stake and property: Original purchase cost
The original purchase cost continues after the move. A later taxable gain can therefore include growth from before residence began.

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

The five-year account

The long-term investment account (TBSZ) is the headline. Fund it in its opening year, leave it untouched, and the tax falls with time: broken early it runs up to 28%, lighter after three years, and after five full years. Nothing, income tax and social charge both. Roll it into a fresh one and the tax-free status carries on. (Accounts opened before 2025 never pay the social charge at all.)

Wealth & exit tax

No wealth tax, and no exit tax on individuals leaving.

Inheritance & gifts

Duty of 18% in general (9% on homes), but transfers to the direct line and the surviving spouse are fully exempt, so most family estates pass duty-free.

Worth watching

The social tax on early exit from the account is recent (2025, and only for accounts opened since), and the forint thresholds re-price every January, so date-check the fine print. Confirm your exact broker-and-fund counts as an exchange trade before you rely on skipping the 13%.

Same pattern elsewhere

The terms, defined

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

No passive-income route

No passive-income category: the White Card wants active remote work (€3,000/mo net) and is barred from ever becoming permanent residence.

Golden visa

Open

Open on paper (€250,000 into approved real-estate funds for a 10-year permit) but thin in practice: few approved funds, few applications, and advisors calling it stalled.

The passport

8 yrs

permanent residency at 3 yrs · dual allowed · a naturalisation exam in Hungarian on constitutional basics: the de facto language test

When you become tax-resident

183 days as the fallback; a permanent home or your centre of vital interests decides first

Hungary's doors are newer than they look and narrower than advertised: the nomad White Card can never convert to settlement, and the guest-investor permit (ten years for €250,000 in fund units) is open in law but stalled in practice, with barely any approved funds. The national residence card at three years is Europe's fastest settlement clock, if you arrive through a door that qualifies for it.

Worth watching

The guest-investor programme is the thing to watch: advisors flagged it as stalled in mid-2026 and the direct-property option was scrapped before launch; confirm its state before counting on it.

Check it yourself: OIF: guest investor permit · PwC: Hungary tax residence

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

A non-working resident buys state care for HUF 12,300 a month (2026), but only after a year of continuous registered Hungarian address; until then it's private cover or a paid agreement with the county office.

Private cover: permits (the White Card included) require full health insurance or proven means.

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: Self-service pension calculator (Magyar Államkincstár) .

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

Common questions

Can I retire early in Hungary?: Yes, and the TBSZ account is the reason: leave it untouched for five full years and the gains and dividends inside it escape tax entirely, social charge included. Without it, gains meet a flat 15%: still simple, just no longer free.
How does Hungary's TBSZ long-term investment account get taxed?: Fund the TBSZ in its opening year and leave it untouched, and the tax falls with time: broken early it runs up to 28%, lighter after three years, and after five full years nothing: income tax and social charge both. Roll it into a fresh account and the tax-free status carries on.
Does Hungary have a wealth tax or an exit tax?: No wealth tax, and no exit tax on individuals leaving.
Does Hungary have a separate rule for a foreign pension?: Hungary has no special newcomer pension regime. Qualifying pension income is already exempt under ordinary law, including treaty-defined foreign pensions.
Can an American or a Brit retire early in Hungary?: No passive-income category: the White Card wants active remote work (€3,000/mo net) and is barred from ever becoming permanent residence. An EU or EEA passport skips the visa question entirely: freedom of movement covers the move itself. Confirm with the immigration authority: routes open and close.
How long until a Hungary passport?: 8 years of legal residence is the general naturalisation rule, with a naturalisation exam in Hungarian on constitutional basics: the de facto language test. Dual citizenship is allowed. Permanent residency usually comes at 3 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

Six 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.

This country runs the TBSZ, and none of the nine offers it. It lives with domestic brokers. Check it before you pick from this list.

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 9 July 2026. What's changed on the map

Sources: check it yourself

Income and cross-border tax (13)

Open the sources behind each topic

How the money you live on is taxed

Your first tax year and starting values

Securities and funds

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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