Enomads — Digital Nomad Community
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Financial Evacuation Radar

Estimated monthly delta in cost-of-living + effective tax between your current city and digital-nomad-visa destinations.

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Indicative estimate only — not financial advice. This tool calculates two factors: cost-of-living delta (single-person monthly cost) and tax delta (simplified effective combined rate). It does not model utilities, energy, real-time inflation, or geopolitical factors. Tax estimates are based on standard scenarios — verify with a qualified local advisor for your specific case.
ℹ︎ How tax regimes work (Spain · Portugal · Romania)
🇪🇸 Spain — 2 regimes:
  • Standard: 40-42% effective (IRPF + autónomos / social security). Available to all residents.
  • Beckham Law: 24% flat. Requires employment contract from a non-Spanish company + new tax residency + other conditions. Most freelancers do NOT qualify.
🇵🇹 Portugal — 2 regimes:
  • Standard IRS: 14.5-48% progressive + social security. NHR ended in 2024.
  • IFICI (NHR successor, 2024+): 20% flat on qualifying scientific / innovation / academic income. Very limited eligibility — verify with a Portuguese accountant.
🇷🇴 Romania — 2 freelancer paths:
  • SRL micro-company: 1-3% revenue tax + 10% dividend (most efficient for >€60k revenue).
  • PFA: 10% income tax + ~3% CASS health (capped). Simpler, but heavier on high income.
Full disclaimerThis tool calculates cost-of-living delta and approximate tax-rate differences. It does NOT model:
  • Energy / utilities costs separately
  • Real-time inflation
  • Geopolitical factors
  • Double taxation treaties (DTTs)
  • Asset / pension transfer implications
  • Social security contributions in detail
Tax rates reflect standard scenarios and may not apply to your specific situation. Tax structures vary based on residency status, income source, business structure, and individual circumstances. Cost-of-living figures are city medians from public datasets (Numbeo, Expatistan). Tax rates cross-referenced against PwC Worldwide Tax Summaries (2024-2025). Verify all figures with a qualified local tax advisor before any relocation decision. Enomads is not responsible for decisions made based on these estimates.
Data verified: 2026-05-16How we calculate: See methodology →
Methodology — honest, 2-factor model

Factor 1 — Cost-of-living delta: single-person monthly cost (Numbeo/Expatistan medians, USD→EUR at 0.86). Origin cost − target cost = monthly cost delta.

Factor 2 — Tax delta: gross monthly income × (origin effective rate − target effective rate). Tax rates are simplified combined IRPF/IRPEF/IRS + social security proxies for the chosen regime (Standard / Beckham / IFICI / SRL / PFA).

Sanity bounds: delta capped at 80% of gross income; deltas > €15k/mo flagged for manual review; negative deltas (higher cost) shown in red rather than hidden.

Not modeled: utilities/energy separately, real-time inflation, geopolitical risk, DTT optimisation, pension/asset transfers, immigration fees, healthcare premiums.