GrazvsZagreb.

Graz

SettleMetric tax engine over official 2026 rules (BMF Einkommensteuer, SVS/GSVG) ↗

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Jul 12, 2026

Method

Best eligible scheme at €60,000 revenue, 0 expenses = Basispauschalierung: 15% expense lump-sum (9,000) → profit 51,000; Grundfreibetrag capped 4,950; SVS 26.83% of 46,050 = 12,355; accident 156; income tax on 33,539 (less 13,539 allowance) = 5,155. Levies 17,666 → 29.44%. The standard actual-expenses route with no expenses runs ~37%, the GmbH all-dividends chain ~44%.

Zagreb

SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti) ↗

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Method

Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.

Graz

migration.gv.at — Red-White-Red Card: Self-employed Key Workers ↗

Official source

Data as of

Jul 12, 2026

Verified

Jul 12, 2026

Notes

Austria has no dedicated digital-nomad or remote-work visa. The nearest long-stay route for a non-EU location-independent earner is the Rot-Weiß-Rot – Karte for self-employed key workers, but it targets investment/value-adding entrepreneurs (≥ €100,000 investment, job creation, know-how transfer, or regional significance) — a laptop-only freelancer usually meets none of the four criteria. EU/EEA/Swiss citizens simply register (Anmeldebescheinigung) and freelance freely; Ukrainians have immediate self-employment rights under temporary protection. Classified 'long-stay-path'.

Zagreb

MUP — Temporary stay of digital nomads ↗

Official source

Data as of

Mar 1, 2026

Verified

Jul 4, 2026

Notes

Croatia has a dedicated digital-nomad residence permit for third-country nationals working remotely for non-Croatian employers/companies, up to 18 months, with foreign remote income fully exempt from Croatian income tax (Art. 9 Income Tax Act). Income requirement €3,622.50/month (2.5× average net salary, NN 3/26). Not a path to permanent residence and not renewable in the same grant (fresh application allowed 6 months after expiry). EU/EEA/Swiss citizens do not need it — they use free-movement registration.

Graz

Statistik Austria — Konsumerhebung 2024/25 (all-households per-capita consumption, COICOP), CPI-uplifted ↗

Curated by SettleMetric

Data as of

Jun 30, 2026

Verified

Jul 12, 2026

Method

Konsumerhebung 2024/25 average all-household consumption €4,170/mo ÷ household size 2.17 = €1,922 per-capita; minus per-capita housing rentals (COICOP 041 actual €235 + 042 imputed €379 = €614/hh → €283/capita) = €1,639/mo excl rent; ×1.0562 CPI uplift to mid-2026 ×1.1399 USD = $1,973. Per-capita basis to match the other countries; a single-person household alone spends more (~$2,657).

Zagreb

DZS Household Budget Survey 2022 (all-household COICOP structure), CPI-uplifted and single-person-scaled; cross-checked vs Eurostat price levels ↗

Curated by SettleMetric

Data as of

May 31, 2026

Verified

Jul 4, 2026

Method

DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.

Notes

Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.

Graz

Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB) ↗

Open data

Data as of

Dec 31, 2024

Verified

Jul 12, 2026

Notes

Police-recorded intentional homicide, 2024 (0.61 in 2020 rising to 0.85 in 2024). UNODC/World Bank report ~0.88 for 2023. Very safe by international standards.

Zagreb

Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR ↗

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Notes

2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.

Graz

SettleMetric computation over climate-normals (GeoSphere Austria 1991–2020, Graz Universität) ↗

Curated by SettleMetric

Data as of

Dec 31, 2020

Verified

Sep 27, 2026

Method

Months whose mean daily maximum is between 15 and 28 °C and whose precipitation is under 150 mm: April (17.2 °C, 51.6 mm), May (20.8 °C, 93.2 mm), June (25.0 °C, 121.3 mm), July (25.9 °C, 124.1 mm), August (25.4 °C, 128.7 mm), September (21.2 °C, 93.8 mm), October (15.3 °C, 63.8 mm) = 7. January, February, March, November, December are too cool (mean daily maximum below 15 °C).

Zagreb

SettleMetric computation over climate-normals (Zagreb-Maksimir WMO 14240) ↗

Curated by SettleMetric

Data as of

Dec 31, 2020

Verified

Jul 4, 2026

Method

Months with mean daily max 15–28°C and precipitation < 150mm: Apr (18.0°C), May (22.4°C), Jun (26.2°C), Sep (22.6°C), Oct (17.0°C) = 5. Jul and Aug are excluded because mean daily max is 28.1°C, just above the 28°C ceiling; Mar (13.0°C) is below the 15°C floor.

Graz

Umweltbundesamt — Jahresbericht der Luftgütemessungen in Österreich 2024 (REP-0953), Tabelle 77 ↗

Official source

Data as of

Dec 31, 2024

Verified

Sep 27, 2026

Method

Mean of the 2024 annual means at the four PM2.5 compliance stations (IG-L) in the city, as Table 77 of the Umweltbundesamt's annual report gives them: Graz Don Bosco (gravimetric, traffic, 15.9 µg/m³), Graz Süd Tiergartenweg (gravimetric, background, 15.8), Graz Triester Straße (continuous monitor, traffic, 15.6) and Graz Nord (gravimetric, background, 11.9), each with 100% data availability. Each value matches the station's validated 2024 annual mean in the EEA's air-quality statistics (E1a), where the compliance series is listed beside the parallel monitor.

Notes

The three highest PM2.5 annual means in Austria in 2024 were all in Graz — Don Bosco, Süd and Triester Straße — and Graz Süd (58 days), Triester Straße (57) and Don Bosco (51) had the most days above 25 µg/m³ of any station in the country. All four stations meet the current limit of 25 µg/m³ but none meets the 10 µg/m³ annual limit that EU Directive 2024/2881 sets from 1 January 2030; the WHO's 2021 guideline is 5. The background station in the north (11.9) is the one the report uses for Graz's average-exposure indicator.

Zagreb

EEA European city air quality viewer (Zagreb, 2024 annual mean; data reported to EEA under the EU Ambient Air Quality Directives) ↗

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Notes

2024 annual mean PM2.5 for Zagreb, derived from urban/suburban background monitoring stations reported to the EEA. About 2.8× the WHO 2021 guideline (5 µg/m³); within the current EU limit value (25) but above the 2030 EU limit (10). Winter domestic heating and temperature inversions in the Sava basin are the main drivers; summers are cleaner. Not fetched from the interactive viewer directly (JS tool); value corroborated via the EEA-sourced EU air-quality tracker.

Graz

Curated from Austrian insurer/broker Sonderklasse tariffs (UNIQA, Merkur, Wiener Städtische) — quoted on request ↗

Curated by SettleMetric

Data as of

Jul 12, 2026

Verified

Jul 12, 2026

Method

Supplementary Sonderklasse cover (hospital special class + free choice of doctor) on top of the mandatory public ÖGK, healthy 35-year-old: market midpoint ≈ €100/mo = €1,200/yr → ≈ $1,368 at 1.1399 USD/EUR. Range ≈ $889 (basic, with deductible) to ≈ $2,599 (premium).

Notes

Austria has mandatory public health insurance (ÖGK, ~7.65% of income, shared) covering everyone in the system; unlike countries with full private replacement plans, the private market here is supplementary (Zusatzversicherung), so this is the top-up Sonderklasse premium, not a full-replacement policy. Adding an outpatient Privatarzt module (€40–145/mo) raises a full package to ≈ €150–250/mo.

Zagreb

Croatian private health-insurance market (dodatno / international comprehensive plans) — market midpoint; insurers quote on request ↗

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Comprehensive basis (outpatient + inpatient), healthy 35-year-old resident foreigner. Genuinely comprehensive international private medical insurance runs ≈€50–150/mo; midpoint ≈€100/mo ≈ €1,200/yr ≈ $1,370–$1,400 at 1.1399 USD/EUR. Rounded to $1,400. Deliberately NOT the €180/yr public 'dopunsko' co-payment cover (which sits on top of mandatory HZZO), which would understate a comprehensive standalone premium and break cross-country comparability. Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.

Notes

Croatia's system differs from most: residents are covered by mandatory public HZZO (~€90–100/mo income-based contribution) and most people buy only cheap 'dopunsko' cover (€180/yr, 2026) that removes co-payments including hospital co-pays; comprehensive standalone private plans are less commonly needed. Standalone 'dodatno' plans span €160–930/yr but are supplemental, not full outpatient+inpatient replacements — hence the comprehensive figure is anchored on international private medical insurance instead.

Graz

BMF — Tax treatment of crypto-assets (Ökosoziale Steuerreform, from 1 March 2022) ↗

Official source

Data as of

Mar 1, 2022

Verified

Jul 12, 2026

Notes

Holding and trading are legal. Since the eco-social tax reform (effective 1 March 2022), crypto income — current income (staking, lending) and realized capital gains — is taxed as income from capital assets at the special flat rate of 27.5% (§27a EStG), whether withheld as KESt or assessed via return. Crypto acquired before 1 Feb 2021 is grandfathered 'Altbestand'. EU MiCA and DAC8 reporting apply. A clear statutory tax plus the EU regulatory framework make this 'legal-regulated'.

Zagreb

Porezna uprava — capital-income taxation of crypto disposals (12%); HANFA/HNB MiCA supervision ↗

Official source

Data as of

Jul 1, 2026

Verified

Jul 4, 2026

Notes

Holding/trading legal for individuals. Gains on crypto-to-fiat disposals taxed at 12% capital-income tax; crypto-to-crypto swaps untaxed; assets held over two years are exempt. EU MiCA applies — HANFA (with HNB) supervises CASPs; legacy VASPs registered before 2024-12-30 had until 2026-07-01 to obtain full CASP authorisation (HANFA granted the first MiCA CASP licence, Electrocoin, in April 2026). Classified legal-regulated: standard EU licensing + taxation, with a notably favourable long-term-holding exemption.

Graz

EU Anti-Money-Laundering Regulation (EU) 2024/1624 + Austrian FM-GwG ↗

Official source

Data as of

Jan 1, 2026

Verified

Jul 12, 2026

Method

Composite: EUR is fully convertible with no capital/exchange controls (EU/eurozone, free movement of capital under Art. 63 TFEU). Austria has no general national cash-payment cap; a harmonised EU-wide €10,000 cash limit takes effect 10 July 2027 (AMLR 2024/1624, not yet in force). Identity checks apply from €10,000 (CDD from €3,000). Non-resident banking available with standard KYC. Low state control over personal money flows.

Zagreb

Composite — EU free movement of capital (euro-area member) + Porezna uprava cash-payment and reporting rules ↗

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Composite of: euro-area member since 2023 (no domestic currency, full free movement of capital under EU law, no capital controls); euro is fully convertible; no FBAR-style personal foreign-account disclosure beyond EU CRS automatic exchange via banks; foreigners open bank accounts on standard EU AML terms. Business cash-payment limits apply (fiscalisation of cash receipts, statutory cap on large cash B2B transactions) but no consumer cash cap on personal funds. Low state control over personal money flows, consistent with other euro-area members.

Notes

Not scored on a per-euro-figure basis; classification. IMF AREAER not re-fetched this cycle — euro-area status makes capital controls legally impossible, so the low band is robust.

Graz

Österreichische Post AG — self-service / pickup network (post.at) ↗

Curated by SettleMetric

Data as of

Jul 12, 2026

Verified

Jul 12, 2026

Method

Austrian Post runs a very dense last-mile network: ~640 self-service pickup stations, ~120,000 pickup boxes and ~77,500 post boxes, with next-business-day standard parcel delivery; via the myflexbox cooperation (~550 shared stations) about 80% of all Austrian parcels can be received in one locker infrastructure. DHL, DPD, GLS and Hermes also deliver nationwide. Dense, fast, reliable → excellent.

Zagreb

Hrvatska pošta, DPD Hrvatska, GLS Hrvatska official service pages (composite) ↗

Curated by SettleMetric

Data as of

Jul 1, 2026

Verified

Jul 4, 2026

Method

Composite of national-operator and major-carrier official service data: Hrvatska pošta (national post, 24/7 paketomati), DPD Hrvatska (>1,300 pickup points incl. paketomat lockers), GLS (Flexdelivery — home/parcelshop/paketomat), Overseas Express, Box Now. 1–2 day delivery is normal in cities; locker density is lower than Poland's InPost-led market. Mapped to 'good' (reliable 1–3 day delivery, lockers in major cities) rather than 'excellent' (which requires nationwide next-day + a dense locker network as the default).

Notes

Reliable nationwide parcel delivery with growing locker networks; coastal/island coverage adds a day in low season.

Graz

European Commission — removal of the €150 duty exemption / temporary flat fee on low-value imports (EU-wide, from 1 July 2026) ↗

Official source

Data as of

Jul 1, 2026

Verified

Jul 12, 2026

Notes

Intra-EU shipping is frictionless (single market). For non-EU imports the EU removed the €150 duty-free threshold and from 1 July 2026 applies a temporary flat customs duty per item on ≤€150 consignments (transitional until 2028); VAT is collected at checkout via IOSS. Predictable but no longer duty-free — the same EU regime as other member states.

Zagreb

European Commission — removal of the €150 customs duty exemption (Reg. EU 2026/382), applies EU-wide incl. Croatia ↗

Official source

Data as of

Jul 1, 2026

Verified

Jul 4, 2026

Notes

Intra-EU shipping is frictionless (single market; all major carriers — DPD, GLS, DHL, Hrvatska pošta — plus UPS/FedEx). Non-EU imports: the EU-wide €150 duty-free threshold was removed on 2026-07-01, with a temporary flat €3/item duty on ≤€150 IOSS consignments until 2028; VAT collected at checkout via IOSS. Predictable but no longer duty-free — same regime as all EU members.

Graz

M-Lab NDT country aggregates for Austria ↗

Open data

Data as of

Dec 31, 2023

Verified

Jul 12, 2026

Method

Median of the 2023 daily country medians (2.78M download tests — 2023 is the latest full year in M-Lab's public stats API; monthly medians ranged ~28.6–33.3 Mbps).

Notes

M-Lab NDT is single-stream and reads well below Ookla-style figures (Austrian fixed broadband commonly markets 100–1000 Mbps) — comparable only within this criterion.

Zagreb

M-Lab NDT country aggregates for Croatia (HR), 2024 ↗

Open data

Data as of

Jan 16, 2024

Verified

Jul 4, 2026

Method

Median of the daily country medians available in M-Lab's public stats API for Croatia 2024. NOTE: the public 2024 file currently exposes only the first ~16 days of January (~3,700 tests), so this is a partial-year figure (2023 partial file ≈ 33.6 Mbps).

Notes

M-Lab NDT is single-stream and reads well below Ookla-style figures (Croatian carriers advertise ~100 Mbps averages) — comparable ONLY within this criterion. Partial-window median because M-Lab's public API has not published Croatia's full 2024/2025 daily series; to be refreshed when a full-year file is available.

Graz

EF EPI 2025 — Austria (rank 3/123, score 616, Very High band) ↗

Research

Data as of

Nov 1, 2025

Verified

Jul 12, 2026

Notes

Own band informed by EF EPI 2025 (attribution: EF Education First): Austria ranked #3 globally and #1 in Europe, score 616 (Very High / C1 band). English is broadly workable in Vienna and the tech, service and academic sectors; German remains the sole official language and matters for administration and integration requirements.

Zagreb

EF EPI 2025 (rank 2/123, score 617 — Very High band) ↗

Research

Data as of

Nov 1, 2025

Verified

Jul 4, 2026

Notes

Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.

Graz

International Baccalaureate — Find an IB World School, BG GIBS Graz International Bilingual School (IB school code 051658), read via the Internet Archive snapshot of 2022-10-24 ↗

Curated by SettleMetric

Data as of

Sep 27, 2026

Verified

Sep 27, 2026

Method

Accreditor-verified: Graz International Bilingual School (GIBS), Georgigasse 85, a state Gymnasium, appears on the IB's own school page as an IB World School authorised for the Diploma Programme on 9 May 2017, IB school code 051658, English-medium. ibo.org answers our requests with a Cloudflare challenge and the newest Internet Archive capture of that page is from 2022-10-24, so the authorisation was last confirmed at the IB then; the canonical address is cited. Registries read on 2026-09-27 add nothing in Graz: the CIS membership directory lists Austrian members only in Vienna, Krumbach and St. Gilgen, COBIS's school-search data lists no school in Austria, and the only Accredited European School in Austria is in Tyrol.

Notes

FLOOR, last confirmed at the IB in October 2022. The IB's country listing cannot be read (blocked), so an IB school not already known by name could not be found. Cambridge International's school finder renders only in a browser, so Cambridge-registered schools were not enumerated. State schools are counted when an accreditor lists them.

Zagreb

Accreditor registries: IB (ibo.org individual school pages), Cambridge International, AEFE (aefe.gouv.fr), German ZfA/Auslandsschulwesen ↗

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Count of Zagreb schools verified against a qualifying accreditor's own registry: (1) American International School of Zagreb — IB, ibo.org school 001466; (2) Matija Gubec International School — IB, ibo.org school 002363; (3) XV. Gimnazija — IB, ibo.org school 000618; (4) British International School of Zagreb — Cambridge International Education registered; (5) École française internationale de Zagreb — AEFE conventionné (aefe.gouv.fr/fr/etablissements/ecole-francaise-internationale-de-zagreb); (6) Deutsche Internationale Schule Zagreb — ZfA Deutsche Auslandsschule, KMK-recognised.

Notes

Only accreditor-verified schools are counted (not IB-only). Three further schools appear on aggregator lists — American Academy in Zagreb, Bright Horizons/International British School of Zagreb, PKG European School Zagreb — but could not be confirmed against a qualifying accreditor's own registry (IB/Cambridge/College Board/AEFE/ZfA/CIS/COBIS) at verification time, so they are excluded. Count is therefore a conservative floor (±2).