Country vs country

Hungary vs Montenegro

Side by side for a genuine tax resident, with €150,000 a year in dividends or foreign income.

	Hungary	Montenegro
Personal income	15%	9–15%
Company tax	9%	9–15%
Minimum days	183	183
Cost of residency	Cheap	Cheap
Tax on €150,000 a year	€22,500	€22,500
Monthly cost for one person, rent included	€1,525	€1,325
In the EU	Yes	No
Spanish blacklist	No	No
Crypto gains	Flat 15% on net annual crypto gains, with no social contribution tax.	No specific crypto rule found; capital gains taxed at 15% under personal income tax law.
Pension	Pensions are tax-free in Hungary, including foreign pensions, subject to the applicable tax treaty.	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

It depends on your case: your nationality, the country you leave and how you earn your money change the answer.