Can I retire early in Italy?

Yes, if you fund the skim: gains wait for an actual sale at a flat 26%, but about 0.2% of the portfolio's value is due every year, gains or none. Costs sit about 3% under the EU average, and that yearly levy is the number to build in first.

Does Italy have an annual wealth tax on investments?

Not a formal wealth tax, but Italy takes about 0.2% of your portfolio's value every year, called the imposta di bollo when it's held with an Italian intermediary, and IVAFE when it's held abroad. It's small print with a wealth-tax-shaped effect: a permanent extra drag your plan has to fund.

Does Italy have an exit tax if I leave with my portfolio?

Not for ordinary portfolio investors: as of 2026 the first tax event on your shares is the actual sale, even after you've moved away. The EU is actively studying exit taxes on wealth migration, so re-check before building a leaving plan on it.

How long until a Italy passport?

10 years of legal residence is the general naturalisation rule, with Italian at B1 (A2 already for the five-year permit). Dual citizenship is allowed. Permanent residency usually comes at 5 years.

The Europe atlas

Italy.

Nothing till you sell. But a 0.2% skim on the pot, every year.

Italy charges you a little, constantly. Gains wait until you actually sell (a flat 26%), but the state skims about 0.2% of your portfolio's value every year, gains or no gains: small print with a wealth-tax-shaped effect on a FIRE-sized pot. Costs sit about 3% under the EU average, and something in the code moves every budget round. Fund the skim in your plan, because it never takes a year off.

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 Italy runs about 3% 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.

Yearly tax on holdingsDeals for new residentsForeign pension rule or regimePassive-income visaGolden visa open

The same life, priced here

A €2,500 a month reference life runs about €2,430 a month here, roughly €29,160 a year, and a ×30 number near €875,000.

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 · Schengen · the euro

The money

The euro

no FX risk on a euro budget

Language

Italian

Capital

Rome

Mediterranean along most of it, continental in the north.

Housing

To buy

€2,741/m²

a new-build asking price

To rent

€17.4/m²

in Rome, about €1,220/mo for 70 m²

Vs the EU

−7%

a roof here, against the EU-27 average

In Italy, buy prices are up 16% since 2015 (+4% last year); rents up 13% 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 Italy.

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 Italy, 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 3.0% in the year to June 2026, about the euro area’s pace. Since 2020 they’re up 25% in total, about 3.8% a year.

The €29,160 reference life this page prices today took about €23,331 in 2020 money.

Eurostat’s HICP, data through June 2026.

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

How the money you live on is taxed

Italy does not give every payment the same tax answer. Start with the asset or income source, then add the arrival-year and treaty rules.

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

26% flat substitute tax

A listed-share or fund-unit gain normally carries 26% tax, with 12.5% for qualifying government bonds. Original purchase cost continues after an ordinary move.

Listed shares 26% flat substitute tax: Gain on realisation carries tax at a flat 26% imposta sostitutiva, no matter holding period. The same 26% applies to Italian and foreign directly held shares held by a resident.
Fund and ETF units 26% (12.5% pro-rata on white-list government-bond content): The rate line above gives the resident result. The rule is tested when the asset is sold or otherwise disposed of.
Losses 26% relief value: For this case, capital losses on securities (redditi diversi) offset capital gains of the same category and carry forward for the current and following four tax years. Losses cannot offset 'redditi di capitale' (for example dividends/fund distributions taxed as capital income).
Foreign and US listings 26% on the gain: A resident's gain on a foreign or US-listed share carries tax at 26% like an Italian share. A US-domiciled ETF gain is 26%, but a US fund that is non-EU-harmonised may see its distributions taxed as ordinary income rather than at 26%. Check the treaty for source tax and Italy's relief.
Accumulating funds and annual tax Taxable under the ordinary rule: An accumulating fund is taxed only when units are realised (26%, with the 12.5% government-bond pro-rata). A distributing fund's payouts are taxed on receipt.

Worth checking

The ordinary 26% rate has been stable since 2014. Qualifying government bonds keep a 12.5% result, including through a fund's eligible bond content.

Dividends

26% plus tax taken abroad

A listed-share dividend normally carries a final 26% charge. Italy generally gives no credit against that final charge for tax taken abroad.

Italian company dividend 26% final: A dividend from an Italian company falls under a final 26% withholding/substitute tax. The individual does not add it to the progressive personal income tax base.
Foreign listed-share dividend 26% plus tax taken abroad: A foreign listed dividend carries tax at 26% in Italy. Collected through an Italian intermediary it is taxed on the net-frontier amount (net of tax taken abroad tax) at 26%. Check the treaty for source tax and Italy's relief.
EU or EEA company dividend No safe answer yet: No safe answer is shown for this exact case yet. Check the facts and treaty before relying on a result.
Third-country company dividend No safe answer yet: No safe answer is shown for this exact case yet. Check the facts and treaty before relying on a result.
Fund or ETF distribution 26% (12.5% pro-rata on white-list government-bond content): A fund/ETF distribution carries tax at 26%, with the white-list government-bond content taxed at 12.5% via the inclusion mechanism. Accumulating funds defer tax until the units are sold.
New-resident treatment Special rule: The rate line above gives the resident result. The rule is tested when the relevant tax event occurs.

Worth checking

Italy generally gives no credit against its final 26% dividend charge. Excess source-country tax therefore needs a treaty reclaim.

Crypto

33% (26% for euro e-money tokens)

From 2026, most private crypto gains carry 33% tax. Every sale, exchange or spend is taxable, and the holding also faces an annual value charge.

Sale for money 33% (26% for euro e-money tokens): The sale of crypto to fiat is a taxable realisation. For this case, from 1 Jan 2026 the substitute tax is 33% for ordinary crypto-assets, and 26% only for euro-denominated e-money tokens (MiCAR EU 2023/1114).
Crypto-to-crypto exchange 33% (26% euro-token side): A swap between crypto-assets with different characteristics is a taxable realisation. A mere conversion between euro and a euro e-money token (or redemption at nominal value) is expressly not a realisation.
Spending crypto 33% (26% euro-token): Using crypto to pay for goods or services is a disposal/realisation of the crypto at 33% (26% for euro e-money tokens) on any gain since acquisition.
Holding relief and losses No separate rule: From 2025 there is no holding-period relief and no annual exempt allowance for crypto (the €2,000 threshold is gone). Losses above €2,000 offset crypto gains and carry forward four years.
Staking and lending 26% as capital income (redditi di capitale): Staking and lending rewards are treated as 'redditi di capitale' (financial income), generally taxed at 26% on receipt at market value. A later disposal of the received coin is a separate capital event (33%/26%).
Mining, validation and airdrops Different rules apply: The rate line above gives the resident result. The rule is tested when the income is received.
Private investor or business 33% or 26% capital vs progressive personal income tax business: The rate line above gives the resident result. The rule is tested when the relevant tax event occurs.
Wealth tax and departure tax Taxable under the ordinary rule: Crypto pays a 0.2% annual value levy. The imposta sul valore delle cripto-attivita (foreign-crypto-assets charge), introduced by DLgs 73/2023 to replace foreign-financial-assets charge for crypto.
New-resident treatment Special rule: For this case, foreign-held crypto gains fall inside the 24-bis lump sum or the 24-ter 7% flat for qualifying incomers. Foreign-crypto-assets charge on foreign crypto is separately due unless covered.

Worth checking

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

All 34 crypto rules, side by side

Pensions

Progressive 23–43%

A foreign occupational or private pension enters the 23–43% national bands plus local surcharges. A qualifying southern-municipality regime can instead charge 7% on foreign income.

Italy pension Progressive personal income tax 23–43% plus surcharges: A domestic pension uses the 23%/35%/43% personal income-tax scale plus regional and municipal surcharges. A tax-free area and pension deductions reduce the result at lower incomes.
Foreign state or social-security pension Income-tax bands: A foreign state or social-security pension is taxable in Italy as worldwide income at progressive personal income tax. The specific treaty decides whether Italy exempts it or gives a credit.
Foreign occupational or private pension Progressive 23–43%: The qualifying foreign pensioner can instead elect the 24-ter 7% flat for nine years. Check the treaty for source tax and Italy's relief.
Foreign government or civil-service pension Usually source-state taxed: 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.
Foreign pension lump sum Income-tax bands: A foreign pension lump sum is normally pension income for an ordinary resident. The treaty can instead give the source state exclusive taxing rights through a specific lump-sum clause.
Special foreign-pension rule 7% flat (24-ter), nine years: A qualifying foreign pensioner can elect a 7% charge on foreign income after moving to an eligible small municipality in southern Italy. The regime lasts for nine tax periods and has detailed residence conditions.

Worth checking

The 7% regime requires a foreign pension and a move to a qualifying southern municipality. It runs for nine years, after which ordinary progressive tax resumes.

If you own a company

26% plus tax taken abroad

An Italian company pays 24% company tax plus the regional production tax. A dividend to the resident owner then carries 26% personal tax.

Company profit 24% company tax plus 3.9% regional company tax: The ordinary resident rule applies each year. Check the stated conditions before using the rate line.
Distribution from an Italian company 26% (integrated about 44–46% with company tax): The rate line above gives the resident result. The rule is tested when the income is received.
Distribution from a foreign company 26% plus tax taken abroad: A dividend from the owner's foreign company is a final 26% for the individual. The same no-credit-against-substitute-tax problem as portfolio dividends (tax taken in the source country tax reclaimable only to the treaty rate at source).
Foreign entity type Special rule: Italy can look through certain foreign entities. A foreign partnership or fiscally-transparent vehicle may be treated as transparent so the 'distribution' is current business/participation income rather than a 26% dividend.
Ownership threshold 26% at any stake (since 2019): Since 2019 the qualified-vs-non-qualified threshold no longer changes the individual's rate on dividends or gains.
Sale of your company stake 26% flat: The rate line above gives the resident result. The rule is tested when the asset is sold or otherwise disposed of.
Salary or director fee Progressive personal income tax 23–43% plus social contributions: Salary or a director fee taken from the company is employment/assimilated income at progressive personal income tax plus surcharges and social contributions. A director fee is also a distinct treaty category.
Social contributions and remuneration risk Special rule: An active owner-director of an Italian company is typically enrolled in social contributions (Gestione commercianti/artigiani or Gestione Separata for administrators, about 24–26%). Remuneration and in some cases minimum contributions apply no matter how little salary is drawn.
Running the company from Italy Special rule: The rate line above gives the resident result. The rule is tested when the relevant tax event occurs.
Controlled foreign company rules Special rule: The rate line above gives the resident result. The rule is tested each year.
New-resident treatment Special rule: Under 24-bis foreign owner-company distributions are within the lump sum. Note the anti-abuse exclusion of gains on substantial foreign shareholdings realised in the first five years (taxed ordinarily).

Worth checking

Running an old foreign company from Italy can move its effective residence or create a taxable business presence. Controlled-foreign-company rules can also attribute low-taxed passive profit.

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

Interest and cash

26% (12.5% on Italian government or white-list bonds)

Bank and bond interest received by a resident carries tax at a flat 26% substitute tax. Italian and white-list government bonds are 12.5%.

Italy bank or bond interest 26% (12.5% on Italian government or white-list bonds): Interest on bank deposits and corporate bonds carries tax at a final 26%. Interest on Italian public debt and equated/white-list government securities carries tax at the reduced 12.5%.
Foreign bank or bond interest Taxable under the ordinary rule: Foreign interest carries tax at 26% in Italy (12.5% if from a white-list state's government bonds). As with foreign dividends, where the 26% substitute tax is final Italy generally gives no foreign-tax credit for tax taken in the source country tax.
Allowances and extra charges 26% or 12.5%: The rate line above gives the resident result. The rule is tested when the income is received.
New-resident treatment Special rule: Foreign interest is covered by the 24-bis lump sum or the 24-ter 7% flat for qualifying incomers. Italian-source interest stays at 26%/12.5% even under 24-bis.

Rent

21% or 10% by election, else progressive

Italian residential rent can use an optional 21% flat substitute tax, reduced to 10% for regulated agreed-rent leases. Otherwise it uses progressive personal income tax.

Property in Italy 21% or 10% by election, else progressive: A resident landlord can elect a 21% substitute tax on residential rent, reduced to 10% for regulated agreed-rent leases. It replaces personal tax, local surcharges and registration or stamp duty.
Property abroad Income-tax bands: 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.
EU or EEA property branch No safe answer yet: No safe answer is shown for this exact case yet. Check the facts and treaty before relying on a result.
Rental deductions Different rules apply: Under ordinary personal income tax, Italian rent receives a 5% lump-sum deduction, with a higher deduction for some agreed-rent cases. The optional flat substitute tax allows no deductions.

Property gains

Exempt

A gain on Italian real estate sold within five years of purchase or construction is taxable. The seller can elect a 26% substitute tax through the notary.

Italy main home Exempt: This case is exempt when the stated conditions are met. The holding period, asset type or treaty can change that result.
Italy investment or second property Different rules apply: An investment/second property sold within five years of purchase or construction produces a taxable gain. The seller can ask the notary to apply a 26% substitute tax at the deed instead of adding it to progressive personal income tax.
Foreign property Different rules apply: Immovable property is taxable where situated. The source state taxes the gain first. Check the treaty for source tax and Italy's relief.
Foreign EU or EEA property branch No safe answer yet: No safe answer is shown for this exact case yet. Check the facts and treaty before relying on a result.
Foreign third-country property branch No safe answer yet: No safe answer is shown for this exact case yet. Check the facts and treaty before relying on a result.
Main-home conditions Exempt under the ordinary rule: The main-home exemption requires the urban property to have been used as the principal residence of the seller or their family for the majority of the ownership period. Likewise any property held more than five years is exempt no matter use.
Starting value after a move Special rule: Italy provides no immigration step-up for real property, but because the domestic gain is exempt after five years. A foreign property already held over five years at arrival is effectively outside the Italian gain no matter pre-move appreciation.
New-resident treatment Special rule: Using 24-bis / 24-ter a within-five-years foreign-property gain that Italy would otherwise tax is covered by the flat regime. For this case, over-five-years foreign gains are outside the Italian base anyway.

Worth checking

Property gains are exempt after five years, or if it was the main home. A long-held home is untaxed on sale.

Royalties

Progressive personal income tax on 75% (60% if under 35) for the author

Royalties carry tax at progressive personal income tax, with a flat 25% deduction for the author's own copyright income (40% if under 35) before tax. Foreign royalties are worldwide income with a treaty credit.

Italy royalties Progressive personal income tax on 75% (60% if under 35) for the author: Copyright/royalty income received by the author/creator carries tax at progressive personal income tax after a lump-sum deduction of 25% (40% if the author is under 35). That is 75%/60% of the gross is taxable.
Foreign royalties Income-tax bands: Foreign royalties are included in Italian worldwide income at progressive personal income tax (after the author deduction) with a credit for tax taken in the source country. Many treaties reduce royalty withholding tax toward zero, but this is pair-specific.
Which rights qualify No safe answer yet: No safe answer is shown for this exact case yet. Check the facts and treaty before relying on a result.
Passive or active Different rules apply: A one-off passive author royalty receives the lump-sum cost deduction. Ongoing organised licensing or creation is professional income with progressive tax, social contributions and possible value-added tax.
Social contributions and value-added tax Special rule: Professional/active licensing can trigger social contributions Gestione Separata (about 26%) and value-added tax registration. The author's pure copyright royalty is generally outside value-added tax.

If you still work

23–43% personal income tax plus about 10% employee social contributions (plus surcharges)

Employment and self-employment use the 23–43% scale plus local surcharges and social contributions. A qualifying inbound worker can exempt 50% of eligible income for five years.

Employment in Italy 23–43% personal income tax plus about 10% employee social contributions (plus surcharges): Salary carries tax at progressive personal income tax (23%/35%/43%) plus regional (1.23–3.33%) and municipal (0–0.9%) surcharges and about 10% employee social contributions. The employer pays about 30% social contributions on top.
Remote work for a foreign employer Income-tax bands: A resident working remotely for a foreign employer is taxable in Italy on worldwide employment income. A foreign employer with an employee working from Italy risks creating an Italian permanent establishment and payroll/social obligations. Check the treaty for source tax and Italy's relief.
Self-employment and consulting Income-tax bands: The rate line above gives the resident result. The rule is tested when the income is received.
Director fees Income-tax bands: Director fees are assimilated to employment income at progressive personal income tax and are a separate treaty category: the state. This applies where the company is resident may tax them no matter where board work is done.
New-resident worker rule 50% personal income tax exemption (60% with a minor child), 5 years: The rate line above gives the resident result. The rule is tested when the income is received.

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 Italy

IVAFE

Italy's annual charge on financial assets held abroad. It sits beside tax on the income or gain from the asset.

Substitute tax

A fixed charge that replaces ordinary tax for a defined income or special regime. Its scope and entry conditions matter more than the label.

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: Italy treats a person as resident for the whole year when a residence test is met for most of that year. The tests cover habitual abode, main personal ties, physical presence and population registration.
The arrival year: No general split-year. For this case, residence is determined for the whole calendar year.
Dual residence: Population registration is now a rebuttable presumption. If another country also claims residence, the treaty tie-breaker decides through the permanent home, vital interests, habitual abode and nationality tests.

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 annual skim

Italy takes about 0.2% of your portfolio's value every year, called the imposta di bollo when it's held with an Italian intermediary, IVAFE when it's held abroad. Small print, wealth-tax-shaped effect: a permanent extra drag your plan has to fund.

Exit tax

None for ordinary portfolio investors: the first tax event on your shares is the actual sale, even after you've moved away. True as of 2026; the EU is actively studying exit taxes on wealth migration, so re-check before building a leaving plan on it.

The wrapper

The PIR can zero the 26% on gains after five years held, but it forces most of the money into Italian and EU companies, which fights a global index strategy.

Inheritance & gifts

Mild for close family: the spouse and children pay 4% only above €1,000,000 each; siblings 6% above €100,000; unrelated heirs 8% with no allowance.

Worth watching

The 2026 budget doubled the financial-transaction tax and re-priced the newcomer flat tax. Italy moves something every budget round. Date-check any figure here before acting on it.

Same pattern elsewhere

The terms, defined

Compare head-to-head

Italy vs Spain

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

Elective residence

commonly ≈€31,000/yr of strictly passive income per applicant (consulates vary; employment income doesn't count)

Golden visa

Open

Open: €250k into an innovative startup, €500k into a company, €2m in government bonds, or a €1m donation.

The passport

10 yrs

permanent residency at 5 yrs · dual allowed · Italian at B1 (A2 already for the five-year permit)

When you become tax-resident

183 days of physical presence, part-days counting; registry entry raises a presumption, and domicile follows your personal ties

Italy's elective residence is real but discretionary: €31,000 a year of strictly passive income is the customary bar, and a consulate can still say no. Once in, a non-working resident can buy into the public health system at 7.5% of income. The passport is slow (ten years, reaffirmed when the 2025 referendum to halve it died on turnout), though dual citizenship is no issue.

Keeping the permit: a continuous absence over six months can cost the permit

Check it yourself: Consulate of Italy: elective residency · PwC: Italy 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 on the elective-residence permit can register with the public system voluntarily: 7.5% of income up to about €20,700 (4% above), with a €2,000-a-year minimum since 2024.

Private cover: Schengen-grade private cover is required for the visa and until registration.

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: La mia pensione futura (INPS) .

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

Common questions

Can I retire early in Italy?: Yes, if you fund the skim: gains wait for an actual sale at a flat 26%, but about 0.2% of the portfolio's value is due every year, gains or none. Costs sit about 3% under the EU average, and that yearly levy is the number to build in first.
Does Italy have an annual wealth tax on investments?: Not a formal wealth tax, but Italy takes about 0.2% of your portfolio's value every year, called the imposta di bollo when it's held with an Italian intermediary, and IVAFE when it's held abroad. It's small print with a wealth-tax-shaped effect: a permanent extra drag your plan has to fund.
Does Italy have an exit tax if I leave with my portfolio?: Not for ordinary portfolio investors: as of 2026 the first tax event on your shares is the actual sale, even after you've moved away. The EU is actively studying exit taxes on wealth migration, so re-check before building a leaving plan on it.
How does Italy tax a foreign listed-share dividend?: A listed-share dividend normally carries a final 26% charge. Italy generally gives no credit against that final charge for tax taken abroad.
Can an American or a Brit retire early in Italy?: Yes. The door is Elective residence: the visa for settling on passive means: no work of any kind in Italy, and consulates keep broad discretion even when you meet the bar. The bar is commonly ≈€31,000/yr of strictly passive income per applicant (consulates vary; employment income doesn't count). 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 Italy passport?: 10 years of legal residence is the general naturalisation rule, with Italian at B1 (A2 already for the five-year permit). Dual citizenship is allowed. Permanent residency usually comes at 5 years.

Run your own numbers.

Start with Where You Live — feed the 0.2% skim into the maths and see what it costs a plan, deliberately simplified.

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

All nine brokers on the broker guide advertise accounts here.

Native tax paperwork here: Trade Republic.

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 (13)

Open the sources behind each topic

How the money you live on is taxed

Your first tax year and starting values

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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