Umzug nach Monaco: Steuern, Aufenthalt und Leben
So werden Sie in Monaco steuerlich ansässig: Einkommens-, Dividenden- und Gewinnsteuer, 4 Aufenthaltsprogramme, nötige Tage, Klima, Sicherheit und Wirtschaft – im Vergleich mit 194 Ländern.
Taxes
In Monaco the top income tax rate is 0%, dividends are taxed at up to 0% and companies pay 25% corporate tax.
How to move and become tax resident
To become tax resident in Monaco you need at least 90 days a year (Carte de séjour + Monaco home; certificate if Monaco is main residence (183 days or more days than anywhere else)). The typical route is Carte de séjour (self-sufficient: Monaco home + bank reference): Lease/purchase of Monaco home, bank letter (banks expect ~€500k deposit), clean record, health insurance There are 4 open residence programmes in Monaco — see the list below.
Living there
Monaco has a hot-summer Mediterranean climate with winter highs around 13.3 °C and summer highs around 26.8 °C. The economy grew +2% in 2025; the IMF forecasts 2% for 2026. Its passport opens about 155 countries without a visa in advance. Security: No conflict exposure.
Key facts
| Höchste Einkommenssteuer | 0% |
|---|---|
| Dividendensteuer | 0% |
| Gewinnsteuer | 25% |
| Steuerliche Ansässigkeit | nach 90 Tagen — Carte de séjour + Monaco home; certificate if Monaco is main residence (183 days or more days than anywhere else) |
| Typischer Aufenthaltsweg | Carte de séjour (self-sufficient: Monaco home + bank reference) — Lease/purchase of Monaco home, bank letter (banks expect ~€500k deposit), clean record, health insurance |
| Pass | visumfrei oder Visum bei Ankunft in 155 Länder |
| Economic growth | +2% (2025), forecast 2% (2026) |
| Klimatyp | hot-summer Mediterranean · 13.3° / 26.8° (Monaco) |
| Krieg & Konflikte | none — No conflict exposure |
| Alle Naturgefahren | 3.5/10 |
| Bankensicherheit | 8.5/10 · AA+ |
| Eigentumsschutz | 9/10 |
| Warme Wohnungen im Winter | 9.5/10 |
Aufenthaltsprogramme in Monaco
- Residence permit (carte de séjour) – self-sufficient, without professional activity — independentMeans · open · 2026-10
- Business founder / company director residence (own company) — Investition CHF 14'100 · open · 2026-10
- Residence permit with employment (work permit) — employment · open · 2026-10
- Family members of residents — family · open · 2026-10
Passende Ratgeber (Englisch)
Frequently asked questions
How many days do I need to spend in Monaco to become tax resident?
nach 90 Tagen. Carte de séjour + Monaco home; certificate if Monaco is main residence (183 days or more days than anywhere else) French nationals taxed by France (1963 treaty); card renewal expects ~3 months/yr presence
How much tax will I pay in Monaco?
In Monaco the top income tax rate is 0%, dividends are taxed at up to 0% and companies pay 25% corporate tax.
Which residence programmes does Monaco offer?
Residence permit (carte de séjour) – self-sufficient, without professional activity; Business founder / company director residence (own company) (CHF 14'100); Residence permit with employment (work permit); Family members of residents
What is the usual way to move to Monaco?
Carte de séjour (self-sufficient: Monaco home + bank reference). Lease/purchase of Monaco home, bank letter (banks expect ~€500k deposit), clean record, health insurance
Compare with nearby countries
Albania · Andorra · Austria · Belarus · Belgium · Bosnia and Herz. · Bulgaria · Croatia · Cyprus · Czechia · Denmark · Estonia
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