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हिन्दीCountry vs country
Bahamas vs 
Montenegro
Side by side for a genuine tax resident, with €150,000 a year in dividends or foreign income.
| Bahamas | Montenegro | |
|---|---|---|
| Personal income | 0% | 9–15% |
| Company tax | 0% | 9–15% |
| Minimum days | No minimum | 183 |
| Cost of residency | Expensive | Cheap |
| Tax on €150,000 a year | €0 | €22,500 |
| Monthly cost for one person, rent included | €2,550 | €1,325 |
| In the EU | No | No |
| Spanish blacklist | No | No |
| Crypto gains | No income or capital gains tax. | No specific crypto rule found; capital gains taxed at 15% under personal income tax law. |
| Pension | No personal income tax. | Progressive PIT 0%, 9%, 15% on monthly income plus municipal surtax; about 11 to 13% on EUR 40,000. Treatment of foreign pensions unverified. |
Who wins
- Less tax: Bahamas
- Cheaper to live in: Montenegro
- Fewer days required: Bahamas
- Easier to settle in: Montenegro
It depends on your case: your nationality, the country you leave and how you earn your money change the answer.