Estonia vs. Georgia
Estonia va por delante en legalización, seguridad, infraestructura. Georgia va por delante en impuestos, dinero y cripto, coste de vida, vivienda, sanidad. Abajo, los datos criterio por criterio.
Verificado
Marcador
Las cifras clave cara a cara, con el lado más fuerte señalado. La puntuación global es decorativa; lo que importa es qué datos encajan contigo.
Resultado principal
Georgia va por delante en 3 de 6
Estonia
2
Georgia
3
Statistics Estonia Household Budget Survey (per-member consumption), CPI-uplifted
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- Statistics Estonia HBS per-household-member consumption €5,723.4/yr (2020, latest detailed survey) minus the dwelling line €932.6/yr → €4,790.8/yr ≈ €399/mo non-housing. CPI-uplifted 2020→mid-2026 ×1.51 (annual HICP 2021 4.7%, 2022 19.4%, 2023 9.2%, 2024 3.7%, 2025 4.8%, 2026 partial) → ≈€602/mo per member; ×1.35 single-person (no household economies of scale) → ≈€813/mo; ×1.1399 EUR/USD (ECB 2026-07-02) → ≈$927, rounded to ~$900 for a defined single basket excluding rent.
- Notas
- Estonia's HBS is now only every ~5 years (last detailed 2020), so this is a CPI-uplifted survey figure, not a fresh basket. Estonia's price level is close to the EU average (higher than Poland). The single-person uplift and the CPI chain are the main uncertainties; re-verify against the 2026 HBS wave when published.
Geostat — Households Expenditures survey 2025
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- Geostat 2025 average per-capita monthly consumption (603 GEL) split by the survey's COICOP category shares, with the imputed-housing portion removed, converted at 2.6431 GEL/USD (NBG 2026-07-02). Categories sum to this figure. Geostat has no clean single-person-excl-rent basket, so treat as a curated estimate.
SettleMetric tax engine over official 2026 Estonian rules (emta.ee)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme = ee-ou-distributed-profit (OÜ, distribute all profit). At €60,000 profit fully distributed, corporate income tax = 22/78 of the net dividend = 22% of gross profit = €13,200; net €46,800 → 22.0% burden. No personal dividend tax from 2025. The direct self-employment form (ee-fie-sole-proprietor) is far heavier (~44.7% at €60k, driven by 33% social tax); the OÜ route is the favourable one a solo IT earner would actually pick. Expenses assumed nil at this profile.
- Notas
- The 22% figure is the OÜ dividend route, which requires running a company (trivial in Estonia via e-Residency). It excludes any tax the owner's country of tax residence levies on the dividend, and excludes taking money as salary (which would raise the burden to ~40% via 33% social tax). The legislated 2026 rise to 24% was cancelled in June 2025, so 22/78 holds.
SettleMetric tax engine over Tax Code (Small Business Status)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 3 jul 2026
- Método
- Best eligible scheme ge-small-business-1pct at €60,000 = 180,738 GEL (NBG 3.0123 GEL/EUR), below the 500,000 GEL threshold → 1% turnover tax = 1,807 GEL, no mandatory social/pension. Effective burden ≈ 1.0%.
Eurostat — police-recorded intentional homicide (ICCS 0101), per hundred thousand inhabitants
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- Eurostat police-recorded rate: 1.32 (2024), 1.35 (2023), 1.43 (2022) — a clear downward trend. Police-recorded figures can include attempts, so the completed-homicide rate is likely lower; UNODC completed-homicide series is the preferred cross-check but was not re-read this cycle.
UNODC (via World Bank mirror) — intentional homicide, Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2019
- Verificado
- 3 jul 2026
- Notas
- 2019 is the latest year UNODC publishes for Georgia. Low by global standards (world average ≈ 5.8); Georgia is widely regarded as very safe for residents. No city-level series is published.
M-Lab NDT country aggregates for Estonia
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Notas
- M-Lab NDT single-stream median (2023, latest full year in M-Lab's public stats API; 2025/2026 files not yet published). NDT reads well below Ookla-style figures and is comparable only within this criterion; the sampled daily median was ~26.8 Mbps — Estonia's actual retail fibre speeds are far higher, but only the M-Lab figure is used for cross-country consistency. The full-year median should be recomputed from the M-Lab BigQuery export for precision.
M-Lab NDT country aggregates for Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 343 daily country medians (download_MED), 47,852 download tests (2023 — latest full year in M-Lab's public stats API; the 2024 file is only Jan–Mar, and 2025/2026 are not yet published). Georgia sits under continent code AS in M-Lab.
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Cross-check: the World Bank's July-2024 median of ~20 Mbps (Ookla-derived, so not citable here) is consistent with this once the M-Lab-reads-low offset is accounted for. Speeds are trending up (~10%/yr: M-Lab yearly medians ran 9.7 in 2020 → 15.8 in 2023), so multi-year pooling would understate current speed; the latest full year is used instead. GNCC/comcom.ge publishes operator quality-of-service measurements (e.g. Magticom fixed ~56 Mb/s advertised-tier average, 2025/26) but no national measured median, and its own speed commentary relies on the same Ookla data we can't redistribute.
EF English Proficiency Index 2025 (Estonia score 561, rank ~31 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Estonia sits in EF's 'High' band (score 561, 2025). English is widely spoken among younger Estonians and in the tech/service sectors and e-government works in English; Russian remains common among the older Russian-speaking minority. Estonian is the sole official language.
EF EPI 2025 (score 541, rank 35/123 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 3 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). English is workable in Tbilisi/Batumi tourism and the younger service sector; less so in government and older generations. Russian remains widely understood.
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive private medical insurance covering outpatient + inpatient (with a small deductible) for a healthy 35-year-old runs ≈€50–150/month across Estonian insurers (ERGO, If, Elama and international IPMI providers); midpoint ≈€90/mo ≈ €1,080/yr ≈ $1,231 at 1.1399 EUR/USD (range ≈ $684–$2,052). Cross-checked against the Estonian Health Insurance Fund (Tervisekassa) VOLUNTARY public-equivalent premium of €272/mo = €3,264/yr (≈$3,721) — broader cover but a useful upper anchor. Premiums quoted on request, so this is a curated market midpoint.
- Notas
- Most residents rely on mandatory public health insurance funded via the 33% social tax (13pp of it is health); private cover is supplementary/optional. Foreigners not yet in the public system can buy the Tervisekassa voluntary insurance (€272/mo from 1 Jan 2026) or private plans. The $1,231 figure is the private comprehensive market midpoint, chosen for cross-country comparability.
Georgian insurers (Ardi, GPI, Imedi L) — comprehensive-tier plans
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Midpoint of comprehensive local plans: Ardi Medi Premium from ~$340/yr up to market comprehensive ~$795/yr (converted at 2.6431 GEL/USD). Expat international plans run higher ($1,000–2,000/yr).
- Notas
- Georgian insurers quote by callback rather than public age-rated engines, so this is a curated market midpoint for local comprehensive cover, not a bound quote.
Veredicto
Cada perspectiva pondera solo los datos que importan a ese plan y dice a qué lado favorece.
Informática remota / autónomo
Contrato o trabajo por cuenta propia en tecnología, facturando a clientes de fuera.
Muy reñido para este plan
SettleMetric tax engine over official 2026 Estonian rules (emta.ee)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme = ee-ou-distributed-profit (OÜ, distribute all profit). At €60,000 profit fully distributed, corporate income tax = 22/78 of the net dividend = 22% of gross profit = €13,200; net €46,800 → 22.0% burden. No personal dividend tax from 2025. The direct self-employment form (ee-fie-sole-proprietor) is far heavier (~44.7% at €60k, driven by 33% social tax); the OÜ route is the favourable one a solo IT earner would actually pick. Expenses assumed nil at this profile.
- Notas
- The 22% figure is the OÜ dividend route, which requires running a company (trivial in Estonia via e-Residency). It excludes any tax the owner's country of tax residence levies on the dividend, and excludes taking money as salary (which would raise the burden to ~40% via 33% social tax). The legislated 2026 rise to 24% was cancelled in June 2025, so 22/78 holds.
SettleMetric tax engine over Tax Code (Small Business Status)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 3 jul 2026
- Método
- Best eligible scheme ge-small-business-1pct at €60,000 = 180,738 GEL (NBG 3.0123 GEL/EUR), below the 500,000 GEL threshold → 1% turnover tax = 1,807 GEL, no mandatory social/pension. Effective burden ≈ 1.0%.
M-Lab NDT country aggregates for Estonia
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Notas
- M-Lab NDT single-stream median (2023, latest full year in M-Lab's public stats API; 2025/2026 files not yet published). NDT reads well below Ookla-style figures and is comparable only within this criterion; the sampled daily median was ~26.8 Mbps — Estonia's actual retail fibre speeds are far higher, but only the M-Lab figure is used for cross-country consistency. The full-year median should be recomputed from the M-Lab BigQuery export for precision.
M-Lab NDT country aggregates for Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 343 daily country medians (download_MED), 47,852 download tests (2023 — latest full year in M-Lab's public stats API; the 2024 file is only Jan–Mar, and 2025/2026 are not yet published). Georgia sits under continent code AS in M-Lab.
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Cross-check: the World Bank's July-2024 median of ~20 Mbps (Ookla-derived, so not citable here) is consistent with this once the M-Lab-reads-low offset is accounted for. Speeds are trending up (~10%/yr: M-Lab yearly medians ran 9.7 in 2020 → 15.8 in 2023), so multi-year pooling would understate current speed; the latest full year is used instead. GNCC/comcom.ge publishes operator quality-of-service measurements (e.g. Magticom fixed ~56 Mb/s advertised-tier average, 2025/26) but no national measured median, and its own speed commentary relies on the same Ookla data we can't redistribute.
EF English Proficiency Index 2025 (Estonia score 561, rank ~31 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Estonia sits in EF's 'High' band (score 561, 2025). English is widely spoken among younger Estonians and in the tech/service sectors and e-government works in English; Russian remains common among the older Russian-speaking minority. Estonian is the sole official language.
EF EPI 2025 (score 541, rank 35/123 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 3 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). English is workable in Tbilisi/Batumi tourism and the younger service sector; less so in government and older generations. Russian remains widely understood.
Statistics Estonia Household Budget Survey (per-member consumption), CPI-uplifted
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- Statistics Estonia HBS per-household-member consumption €5,723.4/yr (2020, latest detailed survey) minus the dwelling line €932.6/yr → €4,790.8/yr ≈ €399/mo non-housing. CPI-uplifted 2020→mid-2026 ×1.51 (annual HICP 2021 4.7%, 2022 19.4%, 2023 9.2%, 2024 3.7%, 2025 4.8%, 2026 partial) → ≈€602/mo per member; ×1.35 single-person (no household economies of scale) → ≈€813/mo; ×1.1399 EUR/USD (ECB 2026-07-02) → ≈$927, rounded to ~$900 for a defined single basket excluding rent.
- Notas
- Estonia's HBS is now only every ~5 years (last detailed 2020), so this is a CPI-uplifted survey figure, not a fresh basket. Estonia's price level is close to the EU average (higher than Poland). The single-person uplift and the CPI chain are the main uncertainties; re-verify against the 2026 HBS wave when published.
Geostat — Households Expenditures survey 2025
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- Geostat 2025 average per-capita monthly consumption (603 GEL) split by the survey's COICOP category shares, with the imputed-housing portion removed, converted at 2.6431 GEL/USD (NBG 2026-07-02). Categories sum to this figure. Geostat has no clean single-person-excl-rent basket, so treat as a curated estimate.
Omniva / SmartPosti / DPD Estonia official network pages (composite)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 4 jul 2026
- Método
- Classified from national operator and carrier coverage data: Omniva (universal postal service provider) ~387 public parcel machines expanding toward ~600 plus community lockers; SmartPosti/Itella ~269 lockers + ~61 parcel points; DPD dense locker/pickup network; all three offer nationwide next-day delivery with standard real-time tracking. Meets the 'excellent' bar (nationwide next-day, dense locker network, tracking standard).
- Notas
- Omniva (universal postal provider) operates ~387 public parcel machines (expanding toward ~600 plus community lockers), SmartPosti (Itella) ~269 lockers + ~61 parcel points, and DPD a dense pickup/locker network; all three offer nationwide next-day delivery. Estonia has one of the densest parcel-locker networks per capita in Europe — locker delivery is the e-commerce default. Real-time tracking is standard.
Georgian Post + courier service pages (composite)
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Georgian Post ~500 branches nationwide (1–3 day domestic parcels, some lockers/pickup points); Wolt Drive and Glovo last-mile in Tbilisi/Batumi; DHL/FedEx/UPS present. Dense and reliable in cities; locker density and nationwide same-day coverage thinner than EU leaders → good, not excellent.
Familia
Mudarse con pareja e hijos en edad escolar.
Muy reñido para este plan
Eurostat — police-recorded intentional homicide (ICCS 0101), per hundred thousand inhabitants
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- Eurostat police-recorded rate: 1.32 (2024), 1.35 (2023), 1.43 (2022) — a clear downward trend. Police-recorded figures can include attempts, so the completed-homicide rate is likely lower; UNODC completed-homicide series is the preferred cross-check but was not re-read this cycle.
UNODC (via World Bank mirror) — intentional homicide, Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2019
- Verificado
- 3 jul 2026
- Notas
- 2019 is the latest year UNODC publishes for Georgia. Low by global standards (world average ≈ 5.8); Georgia is widely regarded as very safe for residents. No city-level series is published.
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive private medical insurance covering outpatient + inpatient (with a small deductible) for a healthy 35-year-old runs ≈€50–150/month across Estonian insurers (ERGO, If, Elama and international IPMI providers); midpoint ≈€90/mo ≈ €1,080/yr ≈ $1,231 at 1.1399 EUR/USD (range ≈ $684–$2,052). Cross-checked against the Estonian Health Insurance Fund (Tervisekassa) VOLUNTARY public-equivalent premium of €272/mo = €3,264/yr (≈$3,721) — broader cover but a useful upper anchor. Premiums quoted on request, so this is a curated market midpoint.
- Notas
- Most residents rely on mandatory public health insurance funded via the 33% social tax (13pp of it is health); private cover is supplementary/optional. Foreigners not yet in the public system can buy the Tervisekassa voluntary insurance (€272/mo from 1 Jan 2026) or private plans. The $1,231 figure is the private comprehensive market midpoint, chosen for cross-country comparability.
Georgian insurers (Ardi, GPI, Imedi L) — comprehensive-tier plans
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Midpoint of comprehensive local plans: Ardi Medi Premium from ~$340/yr up to market comprehensive ~$795/yr (converted at 2.6431 GEL/USD). Expat international plans run higher ($1,000–2,000/yr).
- Notas
- Georgian insurers quote by callback rather than public age-rated engines, so this is a curated market midpoint for local comprehensive cover, not a bound quote.
EF English Proficiency Index 2025 (Estonia score 561, rank ~31 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Estonia sits in EF's 'High' band (score 561, 2025). English is widely spoken among younger Estonians and in the tech/service sectors and e-government works in English; Russian remains common among the older Russian-speaking minority. Estonian is the sole official language.
EF EPI 2025 (score 541, rank 35/123 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 3 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). English is workable in Tbilisi/Batumi tourism and the younger service sector; less so in government and older generations. Russian remains widely understood.
Dinero y cripto
Optimizar impuestos, banca y normas sobre cripto.
Georgia encaja mejor: 2 de 3
Estonian Tax and Customs Board — Cryptocurrency (income tax on gains from transfer/exchange)
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Holding and trading are legal for individuals. Income tax (22% in 2026) is charged on gains from the transfer, including crypto-to-crypto exchange, of crypto-assets; losses on non-MiCA-authorised platforms are not deductible, MiCA-platform losses can offset gains and carry forward. From 1 July 2026 crypto-asset services may only be provided under a MiCA authorisation from Finantsinspektsioon (the FSA) or another EEA regulator (old FIU/VASP licences expire). Standard EU-regulated, taxed regime — not specially favourable.
National Bank of Georgia — Virtual Asset Service Providers
Fuente oficial
- Datos a fecha de
- 1 jul 2023
- Verificado
- 3 jul 2026
- Notas
- Individuals pay 0% income tax on crypto gains (Minister of Finance Public Decision N201, 2019 — crypto is not Georgian-source income for individuals) and crypto↔fiat exchange is VAT-exempt. Service providers must register as VASPs with the NBG (regime since 1 July 2023). Very favourable for individual holders, hence legal-friendly.
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite: Estonia is in the eurozone and EU single market with full free movement of capital and no currency/capital controls; the euro is fully convertible; non-residents open EU/SEPA and Estonian bank accounts (KYC applies); no FBAR-style personal foreign-account disclosure beyond EU CRS automatic exchange via banks; e-Residency enables fully digital company banking. No general cash-payment ceiling for individuals. Residents self-declare worldwide income annually. Inputs: emta declaration rules; EU free-movement-of-capital (TFEU) framework.
- Notas
- Personal funds move freely; the main friction is bank onboarding for non-resident e-Residents (some banks/fintechs decline), not state capital controls. Not re-checked against the IMF AREAER line item this cycle — classification rests on eurozone/EU capital-freedom status.
US State Dept 2025 Investment Climate Statement (Georgia) / trade.gov
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- GEL freely convertible (float since 1998; IMF Article VIII since 1996); no capital controls; funds transfer abroad freely (except sanctioned destinations); no routine cash caps or resident foreign-account exit restrictions.
- Notas
- Caveat: since Georgia joined CRS (2024) and post-2022 de-risking, non-resident bank account onboarding has become notably stricter (source-of-funds documentation, some rejections). The FX regime itself is open; the friction is at bank KYC.
SettleMetric tax engine over official 2026 Estonian rules (emta.ee)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme = ee-ou-distributed-profit (OÜ, distribute all profit). At €60,000 profit fully distributed, corporate income tax = 22/78 of the net dividend = 22% of gross profit = €13,200; net €46,800 → 22.0% burden. No personal dividend tax from 2025. The direct self-employment form (ee-fie-sole-proprietor) is far heavier (~44.7% at €60k, driven by 33% social tax); the OÜ route is the favourable one a solo IT earner would actually pick. Expenses assumed nil at this profile.
- Notas
- The 22% figure is the OÜ dividend route, which requires running a company (trivial in Estonia via e-Residency). It excludes any tax the owner's country of tax residence levies on the dividend, and excludes taking money as salary (which would raise the burden to ~40% via 33% social tax). The legislated 2026 rise to 24% was cancelled in June 2025, so 22/78 holds.
SettleMetric tax engine over Tax Code (Small Business Status)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 3 jul 2026
- Método
- Best eligible scheme ge-small-business-1pct at €60,000 = 180,738 GEL (NBG 3.0123 GEL/EUR), below the 500,000 GEL threshold → 1% turnover tax = 1,807 GEL, no mandatory social/pension. Effective burden ≈ 1.0%.
Vida tranquila
Priorizar la seguridad, el aire y una vida diaria sencilla.
Muy reñido para este plan
Eurostat — police-recorded intentional homicide (ICCS 0101), per hundred thousand inhabitants
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- Eurostat police-recorded rate: 1.32 (2024), 1.35 (2023), 1.43 (2022) — a clear downward trend. Police-recorded figures can include attempts, so the completed-homicide rate is likely lower; UNODC completed-homicide series is the preferred cross-check but was not re-read this cycle.
UNODC (via World Bank mirror) — intentional homicide, Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2019
- Verificado
- 3 jul 2026
- Notas
- 2019 is the latest year UNODC publishes for Georgia. Low by global standards (world average ≈ 5.8); Georgia is widely regarded as very safe for residents. No city-level series is published.
Statistics Estonia Household Budget Survey (per-member consumption), CPI-uplifted
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- Statistics Estonia HBS per-household-member consumption €5,723.4/yr (2020, latest detailed survey) minus the dwelling line €932.6/yr → €4,790.8/yr ≈ €399/mo non-housing. CPI-uplifted 2020→mid-2026 ×1.51 (annual HICP 2021 4.7%, 2022 19.4%, 2023 9.2%, 2024 3.7%, 2025 4.8%, 2026 partial) → ≈€602/mo per member; ×1.35 single-person (no household economies of scale) → ≈€813/mo; ×1.1399 EUR/USD (ECB 2026-07-02) → ≈$927, rounded to ~$900 for a defined single basket excluding rent.
- Notas
- Estonia's HBS is now only every ~5 years (last detailed 2020), so this is a CPI-uplifted survey figure, not a fresh basket. Estonia's price level is close to the EU average (higher than Poland). The single-person uplift and the CPI chain are the main uncertainties; re-verify against the 2026 HBS wave when published.
Geostat — Households Expenditures survey 2025
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- Geostat 2025 average per-capita monthly consumption (603 GEL) split by the survey's COICOP category shares, with the imputed-housing portion removed, converted at 2.6431 GEL/USD (NBG 2026-07-02). Categories sum to this figure. Geostat has no clean single-person-excl-rent basket, so treat as a curated estimate.
Detalles
Impuestos
01+−Freelancer tax burden% effective burden at €60k/year self-employed profileEstonia22Georgiamejor1
Qué mide esto
Effective total burden (income tax + mandatory social and health contributions) for a solo IT freelancer with €60,000/year revenue and 10% deductible expenses, using the most favourable eligible scheme in the country's tax-schemes data. Computed by the SettleMetric tax engine; recorded as a curated value with the winning scheme id in method.
Estonia
SettleMetric tax engine over official 2026 Estonian rules (emta.ee)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme = ee-ou-distributed-profit (OÜ, distribute all profit). At €60,000 profit fully distributed, corporate income tax = 22/78 of the net dividend = 22% of gross profit = €13,200; net €46,800 → 22.0% burden. No personal dividend tax from 2025. The direct self-employment form (ee-fie-sole-proprietor) is far heavier (~44.7% at €60k, driven by 33% social tax); the OÜ route is the favourable one a solo IT earner would actually pick. Expenses assumed nil at this profile.
- Notas
- The 22% figure is the OÜ dividend route, which requires running a company (trivial in Estonia via e-Residency). It excludes any tax the owner's country of tax residence levies on the dividend, and excludes taking money as salary (which would raise the burden to ~40% via 33% social tax). The legislated 2026 rise to 24% was cancelled in June 2025, so 22/78 holds.
Georgia
SettleMetric tax engine over Tax Code (Small Business Status)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 3 jul 2026
- Método
- Best eligible scheme ge-small-business-1pct at €60,000 = 180,738 GEL (NBG 3.0123 GEL/EUR), below the 500,000 GEL threshold → 1% turnover tax = 1,807 GEL, no mandatory social/pension. Effective burden ≈ 1.0%.
Legalización
01+−Remote-work legalization easeEstoniamejorDedicated nomad visaGeorgiaLong stay path
Qué mide esto
Best available legalization route for a location-independent earner with a median (non-EU, non-US) passport, classified from this country's legalization-paths data: dedicated digital-nomad visa; general freelance/self-employment permit; realistic long-stay path (e.g. renewable temporary residence); only short visa-free/tourist stays; effectively none.
Estonia
e-Residency (Republic of Estonia) — Digital Nomad Visa
Fuente oficial
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Estonia runs a dedicated Digital Nomad Visa (Type C/D) for remote workers with a foreign employer, own foreign company, or foreign freelance clients, income ~€4,500/month over the prior 6 months, up to 1 year. Non-EU passports use it; EU citizens use freedom of movement. See ee-digital-nomad-visa.
Georgia
Government Ordinance N255 — visa-free entry
Fuente oficial
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Notas
- Exceptionally easy in practice: ~94 nationalities (incl. all EU, US, UK, Ukraine, Russia) may stay visa-free for a full year and register an Individual Entrepreneur with 1% Small Business Status the same day — no residence permit needed. Scored as a long-stay path; there is no formal 'digital nomad visa' and the year of visa-free stay does not itself build toward permanent residence.
Coste de vida
01+−Cost of living (single, excl. rent)USD/month, single person, excluding rentEstonia900Georgiamejor220
Qué mide esto
Monthly cost of a defined single-person basket (food, transport, utilities, mobile+internet, modest leisure) excluding rent, curated from national statistics office price data and large local retailers' published prices, converted to USD at the ECB rate recorded in fx-rates. The method field of each value itemizes the basket inputs.
Estonia
Statistics Estonia Household Budget Survey (per-member consumption), CPI-uplifted
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- Statistics Estonia HBS per-household-member consumption €5,723.4/yr (2020, latest detailed survey) minus the dwelling line €932.6/yr → €4,790.8/yr ≈ €399/mo non-housing. CPI-uplifted 2020→mid-2026 ×1.51 (annual HICP 2021 4.7%, 2022 19.4%, 2023 9.2%, 2024 3.7%, 2025 4.8%, 2026 partial) → ≈€602/mo per member; ×1.35 single-person (no household economies of scale) → ≈€813/mo; ×1.1399 EUR/USD (ECB 2026-07-02) → ≈$927, rounded to ~$900 for a defined single basket excluding rent.
- Notas
- Estonia's HBS is now only every ~5 years (last detailed 2020), so this is a CPI-uplifted survey figure, not a fresh basket. Estonia's price level is close to the EU average (higher than Poland). The single-person uplift and the CPI chain are the main uncertainties; re-verify against the 2026 HBS wave when published.
Georgia
Geostat — Households Expenditures survey 2025
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- Geostat 2025 average per-capita monthly consumption (603 GEL) split by the survey's COICOP category shares, with the imputed-housing portion removed, converted at 2.6431 GEL/USD (NBG 2026-07-02). Categories sum to this figure. Geostat has no clean single-person-excl-rent basket, so treat as a curated estimate.
Gasto mensual por categoría (sin alquiler)
Statistics Estonia Household Budget Survey 2020 (per-member consumption by COICOP), CPI-uplifted
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- HBS 2020 per-member spending by COICOP category, excluding the dwelling line, CPI-uplifted ×1.51 to mid-2026, single-person-uplifted ×1.35, converted at 1.1399 EUR/USD. Categories are the housing-excluded consumption groups; they sum to ≈$865, within the ~$900 single-person aggregate (the remainder is alcohol/tobacco and rounding). National-average basis.
Geostat — Households Expenditures survey 2025 (category shares)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- Geostat 2025 per-capita consumption shares (food 38.7%, transport 11.4%, healthcare 11.0%, etc.) applied to the ~$220/mo excl-rent base and converted at 2.6431 GEL/USD. Georgia's very high food share is characteristic of the income level. National average — rent shown separately.
Vivienda
Alquiler por tipo de vivienda
Alquiler de oferta: precio en el centro, con el de fuera del centro entre paréntesis ($/mes).
SettleMetric — population-weighted average of covered cities (Tallinn)
Recopilado por SettleMetric
- Datos a fecha de
- 30 jun 2026
- Verificado
- 4 jul 2026
- Método
- Population-weighted mean of the rent-breakdown matrices of Tallinn; each cell averages the cities that report it. See each city page for its exact local matrix.
SettleMetric — population-weighted average of covered cities (Batumi, Tbilisi)
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Population-weighted mean of the rent-breakdown matrices of Batumi, Tbilisi; each cell averages the cities that report it. See each city page for its exact local matrix.
Seguridad
01+−Homicide rateintentional homicides per 100,000/yearEstoniamejor1,3Georgia2
Qué mide esto
Intentional homicide victims per 100,000 population, latest available year. Country level: UNODC national series. City level: official municipal/police statistics where published; otherwise null (country value shown as country-level).
Estonia
Eurostat — police-recorded intentional homicide (ICCS 0101), per hundred thousand inhabitants
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- Eurostat police-recorded rate: 1.32 (2024), 1.35 (2023), 1.43 (2022) — a clear downward trend. Police-recorded figures can include attempts, so the completed-homicide rate is likely lower; UNODC completed-homicide series is the preferred cross-check but was not re-read this cycle.
Georgia
UNODC (via World Bank mirror) — intentional homicide, Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2019
- Verificado
- 3 jul 2026
- Notas
- 2019 is the latest year UNODC publishes for Georgia. Low by global standards (world average ≈ 5.8); Georgia is widely regarded as very safe for residents. No city-level series is published.
Sanidad
01+−Private healthcare costUSD/year, comprehensive private insurance premium, healthy 35-year-oldEstonia1231Georgiamejor450
Qué mide esto
Median of at least three publicly quoted annual premiums for comprehensive private medical insurance (outpatient + inpatient, ~$100k coverage, small deductible) for a healthy 35-year-old resident foreigner, from local and international insurers. Method field lists the insurers quoted.
Estonia
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive private medical insurance covering outpatient + inpatient (with a small deductible) for a healthy 35-year-old runs ≈€50–150/month across Estonian insurers (ERGO, If, Elama and international IPMI providers); midpoint ≈€90/mo ≈ €1,080/yr ≈ $1,231 at 1.1399 EUR/USD (range ≈ $684–$2,052). Cross-checked against the Estonian Health Insurance Fund (Tervisekassa) VOLUNTARY public-equivalent premium of €272/mo = €3,264/yr (≈$3,721) — broader cover but a useful upper anchor. Premiums quoted on request, so this is a curated market midpoint.
- Notas
- Most residents rely on mandatory public health insurance funded via the 33% social tax (13pp of it is health); private cover is supplementary/optional. Foreigners not yet in the public system can buy the Tervisekassa voluntary insurance (€272/mo from 1 Jan 2026) or private plans. The $1,231 figure is the private comprehensive market midpoint, chosen for cross-country comparability.
Georgia
Georgian insurers (Ardi, GPI, Imedi L) — comprehensive-tier plans
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Midpoint of comprehensive local plans: Ardi Medi Premium from ~$340/yr up to market comprehensive ~$795/yr (converted at 2.6431 GEL/USD). Expat international plans run higher ($1,000–2,000/yr).
- Notas
- Georgian insurers quote by callback rather than public age-rated engines, so this is a curated market midpoint for local comprehensive cover, not a bound quote.
Dinero y cripto
01+−Crypto regulationEstoniaLegal regulatedGeorgiamejorLegal friendly
Qué mide esto
Own classification of the legal status of holding, trading and cashing out cryptocurrency for individuals: legal-friendly (legal with clear, favourable rules or explicit tax exemptions), legal-regulated (legal under standard licensing/AML and taxation), restricted (partial bans: payments or banking access prohibited), banned (holding/trading prohibited). Classified from national regulators' and central banks' official positions.
Estonia
Estonian Tax and Customs Board — Cryptocurrency (income tax on gains from transfer/exchange)
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Holding and trading are legal for individuals. Income tax (22% in 2026) is charged on gains from the transfer, including crypto-to-crypto exchange, of crypto-assets; losses on non-MiCA-authorised platforms are not deductible, MiCA-platform losses can offset gains and carry forward. From 1 July 2026 crypto-asset services may only be provided under a MiCA authorisation from Finantsinspektsioon (the FSA) or another EEA regulator (old FIU/VASP licences expire). Standard EU-regulated, taxed regime — not specially favourable.
Georgia
National Bank of Georgia — Virtual Asset Service Providers
Fuente oficial
- Datos a fecha de
- 1 jul 2023
- Verificado
- 3 jul 2026
- Notas
- Individuals pay 0% income tax on crypto gains (Minister of Finance Public Decision N201, 2019 — crypto is not Georgian-source income for individuals) and crypto↔fiat exchange is VAT-exempt. Service providers must register as VASPs with the NBG (regime since 1 July 2023). Very favourable for individual holders, hence legal-friendly.
02+−Financial control levelEstoniaLowGeorgiaLow
Qué mide esto
Own composite of state control over personal money flows: currency/capital controls (IMF AREAER), restrictions on foreign accounts and transfers, mandatory income declaration scope for residents, cash payment limits, banking access for foreigners. Low = free movement of personal funds and easy non-resident banking; very-high = strict capital controls and pervasive reporting. Method field on each value lists the inputs used.
Estonia
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite: Estonia is in the eurozone and EU single market with full free movement of capital and no currency/capital controls; the euro is fully convertible; non-residents open EU/SEPA and Estonian bank accounts (KYC applies); no FBAR-style personal foreign-account disclosure beyond EU CRS automatic exchange via banks; e-Residency enables fully digital company banking. No general cash-payment ceiling for individuals. Residents self-declare worldwide income annually. Inputs: emta declaration rules; EU free-movement-of-capital (TFEU) framework.
- Notas
- Personal funds move freely; the main friction is bank onboarding for non-resident e-Residents (some banks/fintechs decline), not state capital controls. Not re-checked against the IMF AREAER line item this cycle — classification rests on eurozone/EU capital-freedom status.
Georgia
US State Dept 2025 Investment Climate Statement (Georgia) / trade.gov
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 3 jul 2026
- Método
- GEL freely convertible (float since 1998; IMF Article VIII since 1996); no capital controls; funds transfer abroad freely (except sanctioned destinations); no routine cash caps or resident foreign-account exit restrictions.
- Notas
- Caveat: since Georgia joined CRS (2024) and post-2022 de-risking, non-resident bank account onboarding has become notably stricter (source-of-funds documentation, some rejections). The FX regime itself is open; the friction is at bank KYC.
Infraestructura
01+−Domestic delivery qualityEstoniamejorExcellentGeorgiaGood
Qué mide esto
Quality of in-country parcel delivery. excellent = nationwide next-day widely available, dense parcel-locker network, real-time tracking standard; good = 1–3 day delivery, lockers in major cities; basic = reliable but slow (3–7 days), mostly to-door or post-office pickup; poor = unreliable delivery, street addresses often unusable, informal workarounds common. Classified from official service/coverage data of the national postal operator and the two largest private carriers; inputs itemized in each value's method field.
Estonia
Omniva / SmartPosti / DPD Estonia official network pages (composite)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 4 jul 2026
- Método
- Classified from national operator and carrier coverage data: Omniva (universal postal service provider) ~387 public parcel machines expanding toward ~600 plus community lockers; SmartPosti/Itella ~269 lockers + ~61 parcel points; DPD dense locker/pickup network; all three offer nationwide next-day delivery with standard real-time tracking. Meets the 'excellent' bar (nationwide next-day, dense locker network, tracking standard).
- Notas
- Omniva (universal postal provider) operates ~387 public parcel machines (expanding toward ~600 plus community lockers), SmartPosti (Itella) ~269 lockers + ~61 parcel points, and DPD a dense pickup/locker network; all three offer nationwide next-day delivery. Estonia has one of the densest parcel-locker networks per capita in Europe — locker delivery is the e-commerce default. Real-time tracking is standard.
Georgia
Georgian Post + courier service pages (composite)
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Método
- Georgian Post ~500 branches nationwide (1–3 day domestic parcels, some lockers/pickup points); Wolt Drive and Glovo last-mile in Tbilisi/Batumi; DHL/FedEx/UPS present. Dense and reliable in cities; locker density and nationwide same-day coverage thinner than EU leaders → good, not excellent.
02+−International delivery easeEstoniaMinor frictionGeorgiaMinor friction
Qué mide esto
Ease of receiving goods from abroad. seamless = major international carriers deliver door-to-door, meaningful duty-free de-minimis threshold, customs clearance predictable in days; minor-friction = carriers present but low de-minimis, extra paperwork or routine delays; significant-friction = frequent customs holds, high brokerage fees, some marketplaces refuse to ship; unreliable = parcels regularly lost or blocked, informal import channels dominate. De-minimis thresholds and clearance rules from the national customs authority (official source, cite the regulation); carrier presence from carriers' official pages.
Estonia
European Commission — removal of the €150 customs duty exemption (low-value imports)
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Intra-EU shipping is frictionless (single market; DPD/DHL/Omniva/GLS/UPS/FedEx all present). Non-EU imports: the €150 duty-free threshold was removed EU-wide on 2026-07-01 — a temporary flat duty applies to low-value IOSS consignments and VAT is collected at checkout. Predictable but no longer duty-free; Estonia's location on the EU's eastern edge adds modest transit time from western hubs.
Georgia
Revenue Service of Georgia — customs procedures
Fuente oficial
- Datos a fecha de
- 3 jul 2026
- Verificado
- 3 jul 2026
- Notas
- Georgia is outside the EU/EAEU. Personal-import de minimis: 300 GEL (≈ $113) and ≤ 30 kg, once per calendar month, exempt; above that, 18% import VAT + 0–12% duty + a small customs fee. All major integrators (DHL, FedEx, UPS, Aramex) present. Predictable but the low monthly de-minimis cap adds friction.
03+−Internet speedMbps, median fixed downloadEstoniamejor26,8Georgia15,8
Qué mide esto
Median fixed-broadband download speed over the trailing 6 months from M-Lab NDT open data (CC0), aggregated at country or city level. Not comparable with Ookla figures (different test methodology) — do not mix sources within this criterion.
Estonia
M-Lab NDT country aggregates for Estonia
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Notas
- M-Lab NDT single-stream median (2023, latest full year in M-Lab's public stats API; 2025/2026 files not yet published). NDT reads well below Ookla-style figures and is comparable only within this criterion; the sampled daily median was ~26.8 Mbps — Estonia's actual retail fibre speeds are far higher, but only the M-Lab figure is used for cross-country consistency. The full-year median should be recomputed from the M-Lab BigQuery export for precision.
Georgia
M-Lab NDT country aggregates for Georgia
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 343 daily country medians (download_MED), 47,852 download tests (2023 — latest full year in M-Lab's public stats API; the 2024 file is only Jan–Mar, and 2025/2026 are not yet published). Georgia sits under continent code AS in M-Lab.
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Cross-check: the World Bank's July-2024 median of ~20 Mbps (Ookla-derived, so not citable here) is consistent with this once the M-Lab-reads-low offset is accounted for. Speeds are trending up (~10%/yr: M-Lab yearly medians ran 9.7 in 2020 → 15.8 in 2023), so multi-year pooling would understate current speed; the latest full year is used instead. GNCC/comcom.ge publishes operator quality-of-service measurements (e.g. Magticom fixed ~56 Mb/s advertised-tier average, 2025/26) but no national measured median, and its own speed commentary relies on the same Ookla data we can't redistribute.
Idioma
01+−English proficiencyEstoniaHighGeorgiaHigh
Qué mide esto
Own banding of how far English gets a resident in daily life (government offices, healthcare, housing, services). Informed by EF EPI band (research source, cited with attribution, not republished) plus official language status and service-sector realities. Values are our bands, not EF scores.
Estonia
EF English Proficiency Index 2025 (Estonia score 561, rank ~31 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Estonia sits in EF's 'High' band (score 561, 2025). English is widely spoken among younger Estonians and in the tech/service sectors and e-government works in English; Russian remains common among the older Russian-speaking minority. Estonian is the sole official language.
Georgia
EF EPI 2025 (score 541, rank 35/123 — High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 3 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). English is workable in Tbilisi/Batumi tourism and the younger service sector; less so in government and older generations. Russian remains widely understood.
En profundidad: impuestos en Estonia ·impuestos en Georgia ·calculadora de ingreso neto