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Croatia vs Andorra
Tax Rate Comparison

Enter your income below for a personal tax estimate, then scroll down for full rate breakdowns.

🇭🇷 Croatia
vs
🇦🇩 Andorra
Tax Year:

💰 Personal Income Tax Calculator

Enter your income to see your estimated annual tax liability in each country — side by side.

Enter your annual income above to see your personal tax comparison →

Individual Income Tax (Top Marginal Rate)

Top Income Tax Rate
20–30%
Stable; further reform to simplify surtax system
No change
0–10%
10% top; EU alignment reforms ongoing
No change

VAT / GST / Sales Tax

VAT / GST / Sales Tax
5–25%
25% standard; EU VAT reform compliance
No change
4.5%
4.5% IGI — lowest in Europe
No change

Corporate Tax Rate

Corporate Tax Rate
10–18%
Competitiveness maintained; Pillar Two active
No change
10%
10% IS; EU Association Agreement compliance
No change

Capital Gains Tax

Capital Gains Tax
10%
10% short-term; 0% long-term maintained
No change
0%
No CGT — key differentiator
No change

Social Security & Payroll

Social Security / Payroll
~36.5%
Contribution reforms continuing
No change
~21.5%
CASS stable; healthcare system well-funded
No change
State, Regional & Local Taxes

🇭🇷 Croatia — County & Municipal Surtax

Croatia's 20 counties (županije) and 556 local government units levy prirez (surtax) on income tax of 0%–18%. Zagreb applies the maximum 18% surtax. The surtax is calculated on the national income tax liability. Property transfer tax is 3% on real estate. Municipalities may levy local fees. Croatia adopted the euro in 2023, replacing the kuna. The abolition of the second income tax bracket (36%) in 2024 simplified the system considerably.

🇦🇩 Andorra — Parish Taxes & Local Levies

Andorra's 7 parishes (parròquies) levy communal taxes including building and land taxes, commercial licence fees, and local service charges. Andorra only introduced a personal income tax (IRPF) in 2015 and corporate tax (IS) in 2012. This micro-state in the Pyrenees between France and Spain remains a significant tax haven due to very low VAT and no inheritance or capital gains tax. It has an Association Agreement with the EU.

⚠️ Disclaimer: Rates shown are standard top/headline rates for informational purposes. Actual tax liability depends on income level, residency, deductions, and tax treaties. 2025–2026 data reflects announced or enacted rates and may be subject to change. Not financial or legal advice.

Croatia vs Andorra: Key Tax Differences (2026)

💰 Income Tax: 🇭🇷 Croatia has a higher top income tax rate (20–30% vs 0–10%). 🇦🇩 Andorra is more favourable for high earners.

🛒 VAT/Sales Tax: Croatia has a higher consumption tax (5–25% vs 4.5%).

🏢 Corporate Tax: 🇦🇩 Andorra offers a lower corporate rate (10% vs 18%), which can influence business location decisions.

📈 Capital Gains: 🇦🇩 Andorra taxes investment gains at a lower rate (0% vs 10%), benefiting investors.

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