US Citizens' Guide to
Relocating to Montenegro
Escape high taxes and rising cost of living. Discover why Montenegro is becoming the preferred European destination for American entrepreneurs and retirees.
Why US Citizens are Choosing Montenegro
Tax Optimization
Switch from 35-50% combined US taxes to Montenegro's 9-15% flat tax system.
Lower Cost of Living
Enjoy a premium Mediterranean lifestyle at 1/3 the cost of major US cities like New York or San Francisco.
Easy Residency
Obtain residency through company formation or real estate in weeks, not years.
Navigating FATCA & Double Taxation
Unlike most expats, US citizens are taxed on their worldwide income regardless of where they live. However, moving to Montenegro offers strategic advantages.
Foreign Earned Income Exclusion (FEIE)
As a resident of Montenegro, you can exclude up to ~$126,500 (2024 limit) of your foreign-earned income from US federal income taxes.
Foreign Tax Credit (FTC)
Offset the 9-15% tax you pay in Montenegro against your US tax liability, preventing double taxation on your remaining income.
FATCA Compliance
We assist with opening Montenegrin bank accounts that are fully compliant with FATCA reporting requirements, ensuring your move is 100% legal and penalty-free.
How to Obtain Residency in Montenegro
Two Clear Pathways for Americans
Company Formation
The most popular route for digital nomads, consultants, and entrepreneurs. Set up an LLC in days and become the Executive Director to obtain a 1-year renewable residency.
Real Estate Investment
Buy residential or commercial property (no minimum investment limit) to qualify for a yearly renewable residency permit for you and your family.
Tax Savings Calculator
See the difference for yourself. Use our calculator to compare the tax burden between keeping your residency in the US vs. establishing a tax residence in Montenegro.
US vs Montenegro Tax Comparison
Calculate how much you could save by relocating your tax residency to Montenegro.
*Include Federal Income Tax + State Income Tax (e.g., CA/NY are ~40-50% combined for high earners).
"Montenegro offers a flat 9% corporate tax and 9-15% personal income tax, making it one of the most competitive tax jurisdictions in Europe."
*Estimates only. US Citizens remain subject to global taxation unless managed via FEIE or FTC.
Common Questions from US Expats
Q.Is Montenegro safe for Americans?
A.Yes. Montenegro is considered one of the safest countries in Europe, with a very low violent crime rate. English is widely spoken in coastal cities.
Q.What is the healthcare system like?
A.Private healthcare is excellent and extremely affordable compared to US standards. A comprehensive private health insurance policy costs only around €300-€500 per year.
Q.Do I have to renounce my US citizenship?
A.No. You can keep your US passport and obtain temporary or permanent residency in Montenegro. Montenegro also allows dual citizenship in specific strategic cases.
Start Your Plan B Today
Relocating is a big step. Our team of English-speaking attorneys specialize in helping US citizens navigate the legal and tax landscape of Montenegro.
Contact Our US Relocation Experts