Best Low-Cost Low-Tax Countries for Fully-Remote Devs In Europe

I often talk about working for high-paying fully-remote companies in Europe.

And how doing so can be leveraged to optimise your life quality and lifestyle if living from a strategic place, which should:

• Be affordable
• Have low taxes
• Offer you the possibility to live the life you want

Since everyone wants different things - someone might prefer living in a big, modern city, someone else might prefer to be close to nature, someone might like seasons and someone else might want summer 12 months a year - here's a list that can give you some options.

The common denominator is that all these options are low-tax and low/medium-cost (which I guess are two factors that all remote workers appreciate).

Find high-paying remote jobs →

Best Low-Tax Countries for Fully-Remote Devs in EMEA

Here's a comprehensive breakdown of the most attractive countries for remote developers looking to optimize their taxes and living costs:

Country	Tax Rate	Key Benefits	Lifestyle
🇬🇪 Georgia	1%	No mandatory social security or healthcare (below $200k)	Growing nomad scene, mountains & coast
🇦🇪 UAE	0%	Zero income tax, modern infrastructure	Desert climate, luxury lifestyle
🇧🇬 Bulgaria	9%	EU member, very low costs	Sofia tech scene, Black Sea coast
🇦🇩 Andorra	~11%	Between France & Spain, mountain lifestyle	Ski resorts, hiking, nature
🇵🇱 Poland	12%	1-4% social security, strong tech scene	Modern cities, four seasons, central EU
🇷🇴 Romania	12%	Low costs, fast internet, EU member	Bucharest tech hub, Transylvania charm
🇨🇾 Cyprus	15%	EU, English-friendly, beach lifestyle	Mediterranean climate, island life
🇲🇪 Montenegro	15%	No social security if not local employer	Adriatic coast, mountains, affordable
🇭🇺 Hungary	15-22%	9% corporate tax, Budapest culture	Central EU, thermal baths, vibrant city
🇮🇹 Italy	20-30%	Great for <€85k/year incomes	Food, culture, Mediterranean lifestyle
🇭🇷 Croatia	~20%	EU member, Adriatic coast	Beach towns, islands, good WLB
🇱🇻 Latvia	~22%	EU member, Riga tech scene	Baltic charm, four seasons, affordable
🇨🇿 Czechia	~22%	Central EU, Prague tech hub	Beer culture, architecture, history
🇱🇹 Lithuania	22.79%	EU member, Vilnius growing scene	Baltic location, tech-forward
🇪🇪 Estonia	~23%	Digital nomad visa, e-residency	Tallinn startup scene, northern Europe
🇪🇸 Spain	24%	Up to €600k on digital nomad visa	Amazing lifestyle, food, beach & mountains
🇹🇷 Turkey	5%	Only €150/month social security for contractors	Istanbul, Mediterranean coast, rich culture
🇷🇸 Serbia	10%	Up to €51k, fixed social security base	Belgrade scene, low costs, Balkans
🇦🇱 Albania	0-5%	0% up to €80k, then 5% on difference	Adriatic coast, very affordable, developing
🇺🇦 Ukraine	5%	Plus flat fee, free healthcare	Kyiv tech scene (check current situation)

Note: This is NOT tax advice. Always consult with a specialist before making any major decision. Tax rates shown are approximations for self-employed contractors and may vary based on your specific situation.

Understanding the Full Picture

Remember to include mandatory social security in your calculation. Some countries advertise low income tax but have high social security contributions that significantly increase your total tax burden.

For comprehensive data on actual savings rates, check out our crowdsourced financial data from developers across Europe.

What I've Noticed Working on Euro Top Tech Jobs

Making six figures remotely as a dev in 2025 is entirely possible.

For instance, I keep meeting developers making $100-200k fully remotely in Europe.

Here's what they have in common:

• Some are ex-FAANG, some are not
• Many have optimised their taxes to under 15%
• Most live in LCOL places
• All have great WLB and flexible work conditions
• All have solid professional profiles and savings to give them security
• Most are senior+
• All could shoot for 300k+ careers in places like Zurich, London or Amsterdam - but they prefer this remote option

Most of them work for "younger" companies, usually well funded startups and scaleups (the likes you would find in Euro Top Tech Jobs).

These companies are remote. They're capitalising on engineers' demand for flexibility, and poaching talent from FAANG.

For more on this trend, read about why remote is the new FAANG.

Most Popular Tech Stacks in Remote Companies

Based on what I see in remote startups and scaleups:

Technology	Popularity	Common Use Cases
TypeScript	Very High	Product companies, full-stack development
Python	Growing Fast	ML/LLM startups, data engineering
Go	High	Backend services, cloud-native apps
Java	High	Enterprise, Fortune500, infra/cloud
Rust	Moderate	Crypto, performance-critical systems

Location Strategy Matters

The appeal isn't just about low taxes - it's about the complete package:

Quality of Life: Low cost of living means your €100k salary goes much further than €150k in London or Zurich. You can afford better housing, more travel, dining out regularly, and still save significantly more.

Financial Security: High savings rates create a safety net that reduces layoff anxiety. See how remote LCLT jobs reduce layoff anxiety.

Career Flexibility: When you're saving €50-70k per year instead of €10-20k, you have more options to take career risks, start your own projects, or negotiate better terms.

Related Resources

Here are some other articles from this newsletter on this topic:

• Why remote is better than FAANG in 2025
• Poland: Europe's top place for software engineers
• Leveraging low-tax countries as a remote developer
• Switzerland vs Poland for software engineers
• Location planning for financial independence

Contributing Your Data

Want to help other developers make informed decisions? Contribute anonymously to our crowdsourced salary and savings database.

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Frequently Asked Questions

How do I actually move to one of these low-tax countries as a remote developer?

The process varies by country but generally follows these steps: (1) Research visa requirements - some countries offer digital nomad visas (Spain, Estonia, Croatia), others require traditional work permits or company formation, (2) Consult with a local tax advisor - critical for understanding real tax obligations, (3) Test before committing - spend 1-3 months as a tourist to ensure you like it, (4) Set up legal structure - often requires local company formation or contractor status, (5) Transfer tax residency - usually need to spend 183+ days/year to become tax resident. For EU citizens moving within EU (like Poland, Portugal, Romania), it's much simpler than non-EU moves. Budget €2,000-5,000 for setup costs (legal, tax advice, company formation).

Is it legal to work remotely from a different country than my employer?

It depends on several factors. If your employer approves and you handle taxes properly, yes. Key considerations: (1) Your employment contract - some explicitly allow remote work from anywhere, others restrict to specific countries, (2) Tax treaties between countries prevent double taxation, (3) Your employer's legal presence - they may need to register in your country or use an Employer of Record (EOR) service, (4) Social security rules - EU has coordination rules, non-EU more complex. Best approach: Be transparent with employer, work with tax advisor in both countries, consider contractor status which gives more flexibility. Many modern remote-first companies explicitly support international remote work. Check our remote job listings for companies with multi-country remote policies.

Which country offers the best balance of low taxes, low cost, and quality of life?

Top 3 for most remote developers: (1) Poland (winner for many) - 12% tax, EU member, excellent infrastructure, Warsaw/Krakow tech scenes, four seasons, central location for travel, CoL 50-60% lower than Western Europe. Strong tech community and growing remote culture. (2) Portugal - Higher taxes (20-25%) but amazing lifestyle, Lisbon tech scene, beach culture, English-friendly, digital nomad infrastructure, great for families. (3) Georgia - Lowest tax (1%), very low costs, Tbilisi growing scene, mountains and Black Sea, but less developed infrastructure and outside EU. For families: Poland or Portugal. For singles/couples prioritizing savings: Georgia, Bulgaria, or Romania. For beach lifestyle: Cyprus, Albania, or Portugal. For career growth while optimizing: Poland (local tech jobs + remote opportunities). Check our detailed Switzerland vs Poland comparison for deeper analysis.

What's the minimum salary needed to make the low-tax country strategy worthwhile?

The strategy becomes compelling at €60k+ annual income, but really shines at €80k-150k+. Here's why: At €60k - After 12% tax in Poland (€52.8k net), with €25k living costs, you save €27.8k/year (47% savings rate). At €100k - After 12% tax (€88k net), with €30k living costs, you save €58k/year (58% savings rate). At €150k - After 15% tax (€127.5k net), with €35k living costs, you save €92.5k/year (61.6% savings rate). Compare to London €100k: 35% tax = €65k net, £50k (€58k) living costs = €7k saved (7% savings rate). The higher your income, the more dramatic the advantage. Below €50k, the effort of relocating may not justify the gains. Above €100k, you're potentially saving €50-80k more per year than in HCOL locations. See our financial data tool for location-specific calculations.

How do social security contributions affect the total tax picture?

Social security can dramatically change the real tax rate - often the difference between 10% and 25% total burden. Key points: (1) Some countries separate them (Poland: 12% income tax + 1-4% social security = 13-16% total), others combine them (Spain's 24% is more inclusive). (2) Caps exist in some countries - you might pay flat fees above certain income. (3) Benefits vary - some give you pension/healthcare, others are just tax with minimal benefits. (4) Some are avoidable - Montenegro has no social security if not employed locally; Georgia has no mandatory social security below $200k. (5) EU coordination - if you pay in one EU country, you're often covered across EU. Always ask local tax advisor: "What is my total tax burden including ALL mandatory contributions?" The 1% Georgia rate is attractive partly because there's genuinely no additional mandatory costs. Turkey's 5% sounds good but add €1,800/year social security. Do the full math before deciding.

Can I maintain my current remote job while moving to a low-tax country?

Often yes, but requires coordination. If you're currently employed: (1) Talk to your employer - many remote-first companies support international work, (2) They may need to use EOR (Employer of Record) service like Deel or Remote.com to employ you legally in the new country (~€200-400/month cost), (3) Some companies restrict which countries they support due to legal/tax complexity. If you're a contractor: Much simpler - you can often relocate without employer involvement, just need to handle your own tax setup in new country. Best strategy: Before moving, ask your employer, "Do you support remote work from [country]? If not, would you work with me through an EOR?" Many employers are flexible if you're a valued employee. Alternative: Find a new remote job that explicitly supports your target country - see our remote job listings filtered by location policies. Worst case: work as contractor rather than employee for maximum flexibility.