Croatia

Southern Europe

EuropeEUSchengen

An EU and Schengen member with a top-tier passport, a digital-nomad visa and low university tuition, but case-by-case immigration and tax rules.

Overall score

Good · 96% data coverage

Language

Croatian

Currency

EUR

Citizenship

8 years

Personal tax

Local progressive rates; maximum varies by municipality

Cost of living

€1,300 / mo (single)

Rules change often. Confirm any immigration, tax or legal decision with a qualified professional.

Score breakdown

Access

17%

64Residence12%

72Citizenship and passport5%

Earning power

25%

65Salary and work12%

80Buying power13%

Business and wealth

20%

72Taxes7%

66Business8%

38Investment5%

Daily life

25%

81Quality of life18%

83Education7%

Rights and institutions

13%

85Freedom6%

62Rule of law7%

Pros

A top-tier passport
A digital-nomad visa
Low university tuition

Cons

Case-by-case immigration and tax rules

Best for

Remote workersStudents

Score profile

Access

Residence

Citizenship

Passport

Earning power

Salary & work

Buying power

Cost of living

Economy

Business and wealth

Taxes

Personal tax

Corporate tax

Business

Investment

Wealth building

Daily life

Safety

Healthcare

Environment

Infrastructure

Education

HDI

Rights and institutions

Freedom

Rule of law

How the scores are calculated

Access

Residence

Openness to residents

Moderate

Migrant stock13.6% of population (2024)

Regulatory quality0.29 (−2.5 to 2.5) (2024)

Source: World Bank World Development Indicators

Main pathways

EmploymentStudyFamily reunificationBusiness or investment where eligible

Student	Rules depend on status and circumstances; verify the current requirements with the competent authority before acting.
Work	Rules depend on status and circumstances; verify the current requirements with the competent authority before acting.
Self-employed	Rules depend on status and circumstances; verify the current requirements with the competent authority before acting.
Permanent	Rules depend on status and circumstances; verify the current requirements with the competent authority before acting.

Citizenship

Citizenship accessibility

Good

Years required	8 years
Dual allowed	Yes
Language	Check the current naturalisation rules for the selected route
Residence	Typical headline route: 8 years; qualifying residence and absence rules apply
Notes	Rules depend on status and circumstances; verify the current requirements with the competent authority before acting.

Passport

Passport power

Excellent

185 / 198

Mobility

#10

Global rank

Yes

Biometric

Visa-free138
On arrival38
eTA9
Visa required13

Placeholder estimates for 2024 to 2025. Check entry rules with each destination before travelling.

Earning power

Salary & work

Labour-market strength

Good

Output per worker$100,036 PPP (2024)

Unemployment5.0% (2025)

Participation52.1% of 15+ (2025)

Source: World Bank World Development Indicators

Mean monthly earnings of employees

Overall$2,131 · $3,401 PPP (2024)

Tech (IT & comms)$2,806 · $4,479 PPP (2024)

Source: ILOSTAT (International Labour Organization)

Freelance	Market access depends on language, sector, and work authorisation
Job market	Use current local vacancy and salary data for role-specific decisions.

Buying power

Purchasing power score

Excellent

GNI / person$50,410 PPP (2025)

Consumption / person$25,651 PPP (2024)

Price level59 (US = 100) (2025)

Income inequality30.1 Gini (2023)

Inflation3.7% / yr (2025)

Source: World Bank World Development Indicators

Cost of living

Affordability

Good

Price level59 (US = 100) (2025)

Source: World Bank World Development Indicators

Rent	Varies substantially by city and neighbourhood
Monthly	€1,300 / mo (single)
Cities	Zagreb, Split, Rijeka

Economy

Economic strength

Excellent

Output & income

GDP$105.1B (2025)

GDP / person$27,104 (2025)

GNI / person$50,410 PPP (2025)

GDP growth3.8% / yr (2024)

Source: World Bank World Development Indicators

Stability & labour

Inflation3.7% / yr (2025)

Unemployment5.0% (2025)

Output per worker$100,036 PPP (2024)

Source: World Bank World Development Indicators

Sector composition

Agriculture2.8% of GDP (2025)

Industry19.0% of GDP (2025)

Services60.9% of GDP (2025)

Source: World Bank World Development Indicators

Main industries

TourismShipbuildingFood & beveragesPharmaceuticalsManufacturing

Top exports

Refined fuelsPharmaceuticalsMachineryFood products

Type	High-income, tourism- and services-led
Key sectors	Adriatic tourism, Shipbuilding, Pharma & food
Summary	An EU and eurozone economy where Adriatic tourism dominates alongside shipbuilding and food production.
Currency	Euro (eurozone member)

Business and wealth

Taxes

Tax friendliness

Good

Personal	Local progressive rates; maximum varies by municipality
Corporate	10% or 18% depending on revenue
Capital gains	Treatment varies by asset, holding structure, residence, and treaty position
Dividends	Rates and withholding depend on residence and treaty eligibility
Exit tax	Check current domestic rules before changing tax residence
Foreign companies	Management, permanent-establishment, CFC, and reporting rules may apply

Personal tax

Good

Personal	Local progressive rates; maximum varies by municipality
Freelance	Registration, immigration permission, tax, and social contributions may apply
Capital gains	Treatment varies by asset, holding structure, residence, and treaty position
Dividends	Rates and withholding depend on residence and treaty eligibility
Exit tax	Check current domestic rules before changing tax residence

Corporate tax

Good

Corporate	10% or 18% depending on revenue
Capital gains	Treatment varies by asset, holding structure, residence, and treaty position
Dividends	Rates and withholding depend on residence and treaty eligibility
Foreign companies	Management, permanent-establishment, CFC, and reporting rules may apply

Business

Business friendliness

Good

Regulation & bureaucracy

Regulatory quality0.29 (−2.5 to 2.5) (2024)

Government effectiveness0.71 (−2.5 to 2.5) (2024)

Source: World Bank World Development Indicators

Operating rules

Foreign company	Generally possible, subject to sector, registration, tax, and substance rules
Local company	Available company forms and capital requirements vary
Freelance	Registration, immigration permission, tax, and social contributions may apply

Investment

Investing environment

Limited

Market cap36% of GDP (2025)

Private credit47% of GDP (2024)

Source: World Bank World Development Indicators

Capital gains	Treatment varies by asset, residence, holding period, and treaty position
Dividends	Data not available yet
ETFs & funds	Data not available yet
Wealth tax	Check current national and subnational rules
Brokers	Local and international availability varies by residency and compliance checks
Foreign access	Data not available yet
Tax-advantaged	Data not available yet

Wealth building

Wealth accumulation

Moderate

Salary & work

Good

Business

Good

Investment

Limited

Tax friendliness

Good

Cost of living

Good

Daily life

Safety

Safety & stability

Good

Personal safety

Homicide rate0.7 per 100,000 (2023)

Source: World Bank World Development Indicators

Institutions & stability

Control of corruption0.15 (−2.5 to 2.5) (2024)

Political stability0.58 (−2.5 to 2.5) (2024)

Source: World Bank World Development Indicators

Check current government travel and security advice before relocating.

Healthcare

Healthcare score

Excellent

Outcomes

Life expectancy78.9 years (2024)

Under-5 mortality5.6 per 1,000 births (2024)

Source: World Bank World Development Indicators

Capacity & resourcing

Physicians3.91 per 1,000 (2022)

Hospital beds5.60 per 1,000 (2023)

Health spending$3,229 PPP / person (2023)

Source: World Bank World Development Indicators

System & costs

System	Public/private mix varies by eligibility and residence status
Insurance	Check residence-permit and local coverage requirements
Average cost	Depends on eligibility, income, insurer, and chosen coverage

Environment

Environment score

Excellent

Environmental pressure

PM2.5 exposure15.8 μg/m³ annually (2023)

Water stress1.5% (2022)

Source: World Bank World Development Indicators

Infrastructure

Infrastructure score

Good

Digital infrastructure

Internet use83.6% (2024)

Internet resilience63 / 100 (2026)

Fixed speed81 / 100 download index (2026)

Mobile speed75 / 100 download index (2026)

Sources: World Bank World Development Indicators · Internet Society Pulse Internet Resilience Index

Utilities

Electricity access100.0% (2023)

Grid losses10.3% of output (2023)

Source: World Bank World Development Indicators

Transport

Transport quality3.00 / 5 (2022)

Rail density46.8 km / 1,000 km² (2021)

Air connectivity6,530 departures / million people (2023)

Source: World Bank World Development Indicators

Education

Education score

Excellent

Attainment

Expected schooling16.3 years (2023)

Mean schooling12.1 years (2023)

Source: UNDP Human Development Report 2025

Participation & investment

Tertiary enrolment81% gross (2023)

Education spending4.1% of GDP (2021)

Source: World Bank World Development Indicators

Tuition	€1,000–10,000 / yr
Public university	Varies by institution, programme, and student nationality
Languages	Croatian
Student work	Rules depend on status and circumstances; verify the current requirements with the competent authority before acting.

HDI

Human development score

Excellent

HDI0.889 (2023)

Source: UNDP Human Development Report 2025

Long & healthy life

Life expectancy78.6 years (2023)

Source: UNDP Human Development Report 2025

Knowledge

Expected schooling16.3 years (2023)

Mean schooling12.1 years (2023)

Source: UNDP Human Development Report 2025