LisbonvsMontréal.

Lisbon

SettleMetric tax engine over official 2026 rules (Autoridade Tributária + Segurança Social) ↗

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Method

Best eligible scheme pt-ifici-20 (IFICI 20% flat, NHR successor) at €60,000 revenue: social security 21.4%×70%×60,000 = €8,988; category-B simplified taxable income 0.75×60,000 = €45,000; IFICI IRS 20%×45,000 = €9,000; total €17,988 → 29.98% ≈ 30.0%. IFICI requires being a new resident (not resident in Portugal in the prior 5 years) in an eligible activity (IT/ICT qualifies) — realistic for an incoming remote worker. Without IFICI the same profile under the simplified 0.75 regime (progressive IRS) is ~34.4%.

Montréal

SettleMetric tax engine over the official 2026 federal and Alberta rules (CRA T4127 Payroll Deductions Formulas; Alberta Treasury Board and Finance; CPP contribution rates) ↗

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Aug 8, 2026

Method

Best eligible scheme ca-sole-proprietor-alberta at €60,000 = CAD 97,218 (ECB reference rate 1.6203 CAD/EUR, 2026-07-02) with 10% expenses. Net profit CAD 87,496.20. Second additional CPP capped at 8% × 10,400 = 832.00; base CPP capped at 11.9% × 71,100 = 8,460.90, of which 4,941.45 is deductible under s. 60(e) of the Income Tax Act. Taxable income 81,722.75. Alberta tax 4,845.20 and federal tax 10,153.17, both computed with the basic personal amount and the base-CPP contribution credit expressed as a zero-rate first band. Total levies 24,291.27 / 97,218 = 24.99%.

Notes

This is the floor, not the average: it is what the same freelancer pays in Alberta, and the province changes it by nearly five percentage points. Ontario costs 25.3% at this profile and Québec 29.7%, and the gap widens with income — at CAD 250,000 of gross the three are 29.9%, 33.0% and 36.5%. Nothing about the Canadian figure is a special regime: there is no lump-sum, flat-rate or IT-sector option anywhere in the country, so this is simply ordinary progressive income tax plus the pension contribution a self-employed person pays in full, both halves. It also excludes everything a real freelancer deducts — home office, vehicle, RRSP contributions, private health premiums — and excludes the option of incorporating, which is the standard way Canadian freelancers cut this number and which the engine does not model.

Lisbon

AIMA — residence authorization for remote professional activity (Nómadas Digitais, Art. 88.º/1 Law 23/2007) ↗

Official source

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Notes

Portugal has a dedicated digital-nomad route (D8): a residence visa for remote professional activity carried out for entities outside Portugal (in force since 2022, Law 18/2022), leading to a 2-year residence permit renewable for 3 years and to permanent residence/citizenship after 5 years. A temporary-stay variant (under 1 year) also exists. Income requirement 4× the national minimum wage (4 × €920 = €3,680/month in 2026).

Montréal

Immigration and Refugee Protection Regulations, SOR/2002-227, s. 75–76 (federal skilled worker class) and s. 87 (provincial nominee class) ↗

Official source

Data as of

Aug 8, 2026

Verified

Aug 8, 2026

Notes

Canada has no digital-nomad visa and no freelance or self-employment permit. The two programmes whose names suggest otherwise are both dead ends right now: IRCC's own pages mark the Start-up Visa and the Self-employed Persons Program as "Paused", and the latter was never for freelancers anyway — it is restricted to cultural activities and athletics. What remains is genuinely good, just not quick: the points-based Express Entry system asks for no employer and no sponsor, and a provincial nomination can substitute for a weak federal score. Both lead straight to permanent residence rather than to a renewable permit, which is why this is classified as a long-stay path rather than a freelance permit. For an EU or UK passport holder under 36 there is also the International Experience Canada working holiday, an open work permit with no employer attached — but 36 countries qualify and the United States and Ukraine are not among them.

Lisbon

INE — Household Budget Survey 2022/2023 (Inquérito às Despesas das Famílias), single-person households, CPI-uplifted ↗

Curated by SettleMetric

Data as of

Jun 30, 2026

Verified

Jul 4, 2026

Method

INE 2022/2023 single-person (<65) household average spending €18,121/year = €1,510/month (incl. housing); CPI-uplifted to mid-2026 (×≈1.072 over 2024–2026 HICP) → €1,618/month; the rent/imputed-rent portion of the COICOP-2018 housing division (41.7% of the basket) removed while keeping utilities, then summed by category and converted at 1.1399 USD/EUR (ECB 2026-07-02) → ≈ $1,166/month excluding rent. Cross-checked against Eurostat comparative price level for household consumption (Portugal 2024 = 85.0, EU27=100 — ~15% below the EU average).

Notes

National average; Lisbon runs higher. Derived by summing the itemized cost-breakdown categories; see cost-breakdown for the split.

Montréal

Statistics Canada — Table 11-10-0222-01, Household spending, Canada, regions and provinces, 2023, average expenditure per household; average household size from Table 98-10-0039-01, 2021 Census ↗

Curated by SettleMetric

Data as of

Dec 31, 2023

Verified

Aug 9, 2026

Method

Survey of Household Spending 2023, Canada, average expenditure per household: total current consumption CAD 76,750 less shelter CAD 24,671 = CAD 52,079 a year. Personal insurance and pension contributions (CAD 6,328), income taxes (CAD 23,681) and gifts and support payments (CAD 1,465) sit outside total current consumption in StatCan's own classification tree — total expenditure of CAD 108,225 equals current consumption plus those three — so none of them needs a further subtraction. Divided by the average household size of 2.4 (2021 Census) and by 12 = CAD 1,808.30 per person per month, converted at 1 CAD = 0.70351 USD (1 EUR = 1.6203 CAD = 1.1399 USD, data/fx-rates.json) = USD 1,272.

Notes

Per-capita basis — total household consumption divided by average household size — which is the convention used for every other country here and is chosen for comparability rather than realism. Someone living alone loses the economies of scale a 2.4-person household enjoys, so the real cost of a single-person Canadian household is higher than this; unlike the US Consumer Expenditure Survey, StatCan publishes no directly comparable one-person aggregate to quote alongside it. With shelter stripped out, transport (CAD 12,090 a household) and food (CAD 12,046) are the two largest remaining lines, which is what a car-dependent geography looks like in a spending table. Home electricity, water and heating are inside StatCan's shelter line and are therefore excluded here along with rent, so this figure omits utilities that the European entries in this dataset include.

Lisbon

Eurostat — police-recorded intentional homicide (ICCS 0101) ↗

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Notes

Police-recorded intentional homicides per 100,000 inhabitants, 2024 (Eurostat crim_off_cat). Portugal has trended down since 2013 (1.37) to 0.68 in 2024 — among the lowest in the EU.

Montréal

Statistics Canada — The Daily, Police-reported crime statistics in Canada, 2025 (22 July 2026), homicide section; corroborated by Table 35-10-0071-01, number and rate of homicide victims ↗

Official source

Data as of

Dec 31, 2025

Verified

Aug 9, 2026

Notes

672 homicides in 2025 — Criminal Code murder, manslaughter and infanticide — a rate of 1.61 per 100,000, down 16% from 1.93 in 2024. StatCan calls it the largest year-over-year fall since 1986 and the lowest rate since 2014. That puts Canada roughly a third of the United States (5.1) and about three times Italy (0.6), which is the range Western Europe occupies. Two distributions sit inside the national figure and both matter more than it does: gang-related killings account for 18% of the total and are concentrated in a few urban areas, and the homicide victimisation rate among Indigenous people is 9.59 per 100,000, about eight times the non-Indigenous rate of 1.13. The Homicide Survey counts a victim in the year police classify the case, so a small number of older incidents land in each year's count.

Lisbon

SettleMetric computation over climate-normals (IPMA Lisboa/Instituto Geofísico 1991-2020) ↗

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: Jan (15.1°C, 103.8mm), Feb, Mar, Apr, May, Jun, Sep, Oct, Nov (18.1°C, 133.9mm), Dec = 10. Only Jul (TX 28.2°C) and Aug (TX 28.8°C) miss, exceeding the 28°C max cap; no month exceeds the 150mm precipitation cap.

Montréal

SettleMetric — computed from the MONTREAL/PIERRE ELLIOTT TRUDEAU INTL A 1991–2020 normals in this file ↗

Curated by SettleMetric

Data as of

Dec 31, 2020

Verified

Aug 8, 2026

Method

Months whose 1991–2020 normals have a mean daily maximum of 15–28°C and under 150mm of precipitation: May, June, July, August, September = 5. The remaining seven months are all excluded for cold, not for heat or rain — the warmest month peaks at 26.3°C.

Montréal

Environment and Climate Change Canada — National Air Pollution Surveillance (NAPS) Program, 2024 annual summary, PM2.5 daily-mean report ↗

Official source

Data as of

Dec 31, 2024

Verified

Aug 9, 2026

Method

Unweighted mean of the 2024 annual means from the eleven NAPS PM2.5 stations listed under Montréal, all with at least 98% data completeness: Saint-Jean-Baptiste 6.51, Décarie/Mont-Royal 8.11, Châteauneuf 7.61, Sainte-Marie 6.14, Dorval 6.51, Rivière-des-Prairies 6.94, Sainte-Catherine Est 6.81, Saint-Joseph Est 6.72, Charleroi 7.70, Ontario Est 7.30, Roberval 7.08.

Notes

Statistically indistinguishable from Toronto, and about 1.4× the WHO 2021 guideline of 5 µg/m³. The eleven stations spread across the whole island — downtown, the Plateau, Hochelaga, Dorval, Rivière-des-Prairies — so this is an island-wide reading rather than a downtown one. The Gatineau station across the river from Ottawa was excluded as a different city.

Lisbon

Médis / Multicare / AdvanceCare / Allianz comprehensive (with-hospitalization) plans — market midpoint; insurers quote on request ↗

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Comprehensive private plans that include inpatient/hospital cover (outpatient + hospitalization) for a healthy 35-year-old run ≈ €35–60/month across the main Portuguese insurers (Médis, Multicare, AdvanceCare/AdvanceCare-network, Allianz, Generali Tranquilidade). Midpoint ≈ €47.5/month ≈ €570/year ≈ $650 at 1.1399 USD/EUR (range ≈ $547–$752). Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.

Notes

Residents are covered by the public SNS; private insurance is optional/supplementary. Cheaper outpatient-only plans start ≈ €10–20/month but exclude hospitalization — this figure is the with-inpatient comprehensive tier, chosen for cross-country comparability. Insurers repriced ~+10% for 2026.

Lisbon

Autoridade Tributária — Criptoativos: conceito fiscal e tributação (folheto informativo) ↗

Official source

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Notes

Legal for individuals; regulated under EU MiCA/CARF. Since Law 24-D/2022: capital gains on crypto held ≥365 days are tax-EXEMPT (declared in Anexo G1); gains on assets held <365 days are taxed at a 28% autonomous rate (Category G, option to aggregate); crypto-to-crypto swaps are deferred (not taxed at the swap). Frequent/professional trading may be reclassified as Category B (general rates). Classified legal-friendly for the explicit long-term-holding exemption; short-term gains are still fully taxed.

Montréal

Proceeds of Crime (Money Laundering) and Terrorist Financing Act, s. 5(h)(iv) — persons and entities engaged in the business of dealing in virtual currencies are reporting entities subject to the Act ↗

Official source

Data as of

Jun 17, 2026

Verified

Aug 8, 2026

Notes

Holding, trading and spending crypto is legal, and banking access is normal. The regulation is of the intermediaries rather than the holder: dealing in virtual currencies is named in the Act's own list of regulated activities, which makes exchanges money services businesses that must register with FINTRAC, identify their clients and report large and suspicious transactions — and that applies to foreign platforms directing services at people in Canada as well as to domestic ones. Tax is where it bites: the Canada Revenue Agency treats crypto-assets as property, so every disposal is a taxable event that must be valued at fair market value, including trades between tokens, gifts, and barter transactions where crypto pays for goods or services. There is no de minimis exemption for small payments. Classified 'legal-regulated' rather than 'legal-friendly' for that reason, despite Canada having been the first country to approve spot crypto exchange-traded funds.

Lisbon

ASAE — cash-payment limits (Art. 63.º-E Lei Geral Tributária); euro-area free movement of capital ↗

Official source

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Composite: euro-area member, no currency or capital controls, EUR fully convertible; free movement of capital guaranteed by the EU Treaty (Art. 63 TFEU). Non-resident bank accounts routinely available. Standard EU CRS/DAC reporting via banks; no FBAR-style personal foreign-account self-declaration for individuals. Cash-payment limit €2,999.99 for residents (natural persons) and €9,999.99 for non-residents not acting as merchants (Art. 63.º-E LGT) — a limit on cash, not on bank money movement. Rated 'low' state control over personal money flows.

Montréal

Cross-border Currency and Monetary Instruments Reporting Regulations (SOR/2002-412), s. 2 — the CAD 10,000 reporting threshold; Income Tax Act s. 233.3 — the CAD 100,000 foreign-property reporting threshold; Bank Act s. 627.17 — the statutory right to open a retail deposit account ↗

Curated by SettleMetric

Data as of

Aug 9, 2026

Verified

Aug 9, 2026

Method

Composite, each input read from the primary legal text. There are no capital or currency controls: the Canadian dollar is fully convertible and personal funds move in and out freely. Against that, three real obligations. Anyone carrying CAD 10,000 or more in cash or monetary instruments across the border must report it to a border officer, a figure set in s. 2(1) of the Cross-border Currency and Monetary Instruments Reporting Regulations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act. A Canadian tax resident must file form T1135 if the cost of specified foreign property passes CAD 100,000 at any point in the year, under s. 233.3(1) of the Income Tax Act. And banking access is unusually easy: s. 627.17 of the Bank Act gives every natural person a right to open a retail deposit account, with no minimum deposit and, in some circumstances, against a single non-government document such as a foreign passport if someone of good standing vouches. That right now lives in the Act itself — the Access to Basic Banking Services Regulations were repealed on 29 June 2022 and folded in, which matters because most secondary summaries still cite the repealed regulation.

Notes

Rated moderate rather than low: money moves freely and a newcomer can open an account before they have a job or a lease, but the cash-reporting and foreign-asset-reporting rules are actively enforced and most countries in the low band do not impose them. The structural difference from the United States is worth stating plainly, because it runs the other way: Canada taxes on residency, not citizenship, so leaving generally ends the worldwide filing obligation — at the price of a deemed disposition on unrealised gains in most property, the so-called departure tax, on the day residency ends.

Lisbon

CTT Correios de Portugal — express delivery times, coverage and Collectt/Locky network (official service pages) ↗

Curated by SettleMetric

Data as of

Dec 31, 2025

Verified

Jul 4, 2026

Method

National operator CTT offers next-day ('Expresso Para Amanhã') and 2-day express nationwide, with the Collectt pickup network (CTT shops + Payshop agents + Locky 24/7 parcel lockers) and real-time tracking. Private carriers DPD, GLS, DHL, UPS, Chronopost and Seur operate nationwide. Rated 'good' — 1–3 day delivery is the norm and lockers exist in cities, but locker density and universal next-day are below the best-in-class (e.g. Poland's InPost).

Montréal

Canada Post — delivery standards by service for domestic parcels (Priority, Xpresspost, Expedited Parcel, Regular Parcel), read city-pair by city-pair; Purolator, UPS Canada and FedEx Canada coverage pages ↗

Curated by SettleMetric

Data as of

Aug 9, 2026

Verified

Aug 9, 2026

Method

Classified from Canada Post's own published standards across the roughly 24 processing-facility cities it lists. Priority runs 1–3 business days between major cities and is money-back guaranteed; Xpresspost is next-day to a few days, also guaranteed; Expedited Parcel, the standard tracked ground service, is 1–8 business days by distance and guaranteed; Regular Parcel, the cheapest and most used, is 2–13 business days and is not guaranteed — Calgary to Happy Valley in Labrador is 13 days, Calgary to Iqaluit 11, against 1–2 days between neighbouring major cities. Canada Post carries a statutory universal-service obligation covering every address in the country, and about 70% of its delivery points are secure ones: community mailboxes, free apartment and condominium parcel lockers, or post-office boxes. Purolator, which Canada Post owns 91% of, claims complete postal-code coverage through more than 175 facilities and 3,000 access points and offers an evening delivery window; UPS and FedEx both run next-business-day air between major centres, FedEx through about 1,500 retail and OnSite locations, though neither guarantees its intra-Canada service the way it guarantees US export. Rated good rather than excellent because next-day is real and guaranteed only between hub cities: remote and northern communities routinely wait 8–13 days even on paid tiers, and the locker estate, while genuinely large, is building lockers and community mailboxes rather than the dense public kiosk networks of Poland or France.

Notes

Canada Post still runs a fee-based Collect on Delivery service for domestic parcels — CAD 7.25 plus shipping, up to CAD 999.99 — which is a cash-on-delivery option that has effectively vanished from US consumer e-commerce and is a genuine oddity in a market this mature. Its FlexDelivery service also routes an online order to a post office of the buyer's choosing for free, which is the practical answer to doorstep theft.

Lisbon

European Commission — removal of the €150 customs duty exemption / temporary flat fee on low-value imports ↗

Official source

Data as of

Jul 1, 2026

Verified

Jul 4, 2026

Notes

Intra-EU shipping is frictionless (single market, all major carriers). Non-EU imports: the €150 duty-free threshold was removed on 2026-07-01 — a temporary flat €3/item duty applies to ≤€150 consignments (until the 2028 EU Customs reform); import VAT has applied from €0 since 2021 (IOSS collects it at checkout). Predictable but no longer duty-free — hence minor-friction.

Montréal

Courier Imports Remission Order (SI/85-182), ss. 4 and 4.1, and Postal Imports Remission Order (SI/85-181), s. 4 — Justice Laws Website ↗

Official source

Data as of

Aug 6, 2026

Verified

Aug 9, 2026

Notes

The de minimis is not one threshold but three, and which one applies depends on who carries the parcel. Read from the consolidated instruments themselves: goods imported by courier from the United States or Mexico are free of duty up to CAD 150 and free of tax up to CAD 40 (Courier Imports Remission Order s. 4.1, added to implement CUSMA); goods imported by courier from anywhere else stay at the older CAD 20 combined threshold (s. 4); and everything imported by mail, including from the United States, is remitted only up to CAD 20, because the courier Order expressly excludes goods imported by post. So a US purchase shipped by UPS or FedEx clears easily, while the same purchase sent by post, or almost anything from Europe or Asia by any route, is dutiable and taxable above about USD 14. The carriers themselves are good and clearance is predictable rather than prone to long holds, which keeps this out of the significant-friction band, but routine duty, sales tax and carrier brokerage fees are a normal part of buying from abroad.

Lisbon

M-Lab NDT country aggregates for Portugal ↗

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Method

M-Lab NDT daily country medians for Portugal cluster at ≈ 39–42 Mbps (2024). Recorded as 40 Mbps. WebFetch truncates the JSON to ~mid-January, so the full-year median should be re-aggregated from the M-Lab BigQuery dataset next cycle.

Notes

M-Lab NDT is single-stream and reads well below Ookla-style figures (Portuguese fibre retail speeds are far higher) — comparable only within this criterion. Value should be re-verified against the full 2024/2025 M-Lab aggregate.

Montréal

M-Lab NDT country aggregates for Canada ↗

Open data

Data as of

Dec 31, 2023

Verified

Aug 9, 2026

Method

Median of the 344 daily country-median download values for CA in 2023, which ranged 24.1–80.7 Mbps. M-Lab NDT is a single-stream test and reads well below advertised or Ookla-style figures — comparable only within this criterion. 2023 is the latest full year in M-Lab's public statistics API; the 2024 file stops on 26 March.

Notes

Below the United States on the same measure (84.9 Mbps) despite comparable advertised speeds, and the gap is about last-mile fibre reach and price rather than about backbone capacity. What a national median hides here is larger than usual: Canada's population is strung along a 5,000-kilometre band, and rural, northern and Indigenous communities sit far below this figure while downtown Toronto or Montréal sit far above it. Federal rural-broadband funding and CRTC wholesale-access rules are the two levers being applied to the shortfall.

Lisbon

EF EPI 2025 — Portugal rank 6/123, score 612 (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). Portugal ranks 6th of 123 countries (score 612, 'Very High'). English is broadly workable in cities, tourism, tech and services; less consistent in local government/administration.

Montréal

Constitution Act, 1982, s. 16(1) — English and French are the official languages of Canada, with equality of status and equal rights and privileges as to their use in all institutions of the Parliament and government of Canada ↗

Official source

Data as of

Apr 17, 1982

Verified

Aug 8, 2026

Notes

English is a native language of the country and gets a resident through government, healthcare, housing and work without friction in nine provinces and three territories. Québec is the exception that matters, and it is not a small one: French is the sole official language of the province, and provincial law requires the government to communicate with most newcomers in French once they have been in Canada six months. Montréal is functionally bilingual in daily life and much of its technology sector works in English, but public services, school enrolment for children and professional licensing are French-first. Read this rating as 'native' for the country and as a genuine language requirement for anyone choosing Montréal or Québec City.

Lisbon

IB / Cambridge / AEFE / German Auslandsschulwesen accreditor evidence for the Lisbon metro (curated union) ↗

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Curated count of internationally-accredited schools in the Lisbon metro (Lisboa, Cascais, Sintra, Oeiras). Directly verified against their accreditor networks: Lycée Français Charles Lepierre (AEFE directly-managed establishment, aefe.gouv.fr) and Deutsche Schule Lissabon (German Auslandsschule under ZfA/Auswärtiges Amt, auslandsschulwesen.de). IB World Schools identified in the metro by name from IB 'by country' data and corroborating sources: St. Julian's (Carcavelos), St. Dominic's International (São Domingos de Rana), Carlucci/CAISL (Sintra), United Lisbon International, TASIS Portugal (Sintra), International Sharing School–Taguspark (Oeiras), Oeiras International School, PaRK International, plus The Lisboan (Cambridge + IB). Count = 11 named, accreditor-attributable schools.

Notes

±3 uncertainty. The live IB World Schools finder and the Cambridge 'Find a Cambridge school' registry both returned HTTP 403 to automated fetch this cycle, so individual IB/Cambridge authorizations were confirmed from official-adjacent sources rather than each read directly against the accreditor's live registry; AEFE and the German school were verified directly. Portugal has ~16 IB World Schools in total, most clustered in the Lisbon metro, so the true metro count of all-accreditor international schools is likely somewhat higher than 11 (aggregator guides list 30+ 'international' schools, but many lack a recognised accreditor). Re-verify each authorization against the IB and Cambridge registries from a browser next cycle.