Split vs Zagreb

SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Method

Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.

SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Method

Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.

M-Lab NDT country aggregates for Croatia (HR), 2024

Open data

Data as of

Jan 16, 2024

Verified

Jul 4, 2026

Method

Median of the daily country medians available in M-Lab's public stats API for Croatia 2024. NOTE: the public 2024 file currently exposes only the first ~16 days of January (~3,700 tests), so this is a partial-year figure (2023 partial file ≈ 33.6 Mbps).

Notes

M-Lab NDT is single-stream and reads well below Ookla-style figures (Croatian carriers advertise ~100 Mbps averages) — comparable ONLY within this criterion. Partial-window median because M-Lab's public API has not published Croatia's full 2024/2025 daily series; to be refreshed when a full-year file is available.

M-Lab NDT country aggregates for Croatia (HR), 2024

Open data

Data as of

Jan 16, 2024

Verified

Jul 4, 2026

Method

Median of the daily country medians available in M-Lab's public stats API for Croatia 2024. NOTE: the public 2024 file currently exposes only the first ~16 days of January (~3,700 tests), so this is a partial-year figure (2023 partial file ≈ 33.6 Mbps).

Notes

M-Lab NDT is single-stream and reads well below Ookla-style figures (Croatian carriers advertise ~100 Mbps averages) — comparable ONLY within this criterion. Partial-window median because M-Lab's public API has not published Croatia's full 2024/2025 daily series; to be refreshed when a full-year file is available.

EF EPI 2025 (rank 2/123, score 617 — Very High band)

Research

Data as of

Nov 1, 2025

Verified

Jul 4, 2026

Notes

Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.

EF EPI 2025 (rank 2/123, score 617 — Very High band)

Research

Data as of

Nov 1, 2025

Verified

Jul 4, 2026

Notes

Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.

DZS Household Budget Survey 2022 (all-household COICOP structure), CPI-uplifted and single-person-scaled; cross-checked vs Eurostat price levels

Curated by SettleMetric

Data as of

May 31, 2026

Verified

Jul 4, 2026

Method

DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.

Notes

Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.

DZS Household Budget Survey 2022 (all-household COICOP structure), CPI-uplifted and single-person-scaled; cross-checked vs Eurostat price levels

Curated by SettleMetric

Data as of

May 31, 2026

Verified

Jul 4, 2026

Method

DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.

Notes

Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.

Hrvatska pošta, DPD Hrvatska, GLS Hrvatska official service pages (composite)

Curated by SettleMetric

Data as of

Jul 1, 2026

Verified

Jul 4, 2026

Method

Composite of national-operator and major-carrier official service data: Hrvatska pošta (national post, 24/7 paketomati), DPD Hrvatska (>1,300 pickup points incl. paketomat lockers), GLS (Flexdelivery — home/parcelshop/paketomat), Overseas Express, Box Now. 1–2 day delivery is normal in cities; locker density is lower than Poland's InPost-led market. Mapped to 'good' (reliable 1–3 day delivery, lockers in major cities) rather than 'excellent' (which requires nationwide next-day + a dense locker network as the default).

Notes

Reliable nationwide parcel delivery with growing locker networks; coastal/island coverage adds a day in low season.

Hrvatska pošta, DPD Hrvatska, GLS Hrvatska official service pages (composite)

Curated by SettleMetric

Data as of

Jul 1, 2026

Verified

Jul 4, 2026

Method

Composite of national-operator and major-carrier official service data: Hrvatska pošta (national post, 24/7 paketomati), DPD Hrvatska (>1,300 pickup points incl. paketomat lockers), GLS (Flexdelivery — home/parcelshop/paketomat), Overseas Express, Box Now. 1–2 day delivery is normal in cities; locker density is lower than Poland's InPost-led market. Mapped to 'good' (reliable 1–3 day delivery, lockers in major cities) rather than 'excellent' (which requires nationwide next-day + a dense locker network as the default).

Notes

Reliable nationwide parcel delivery with growing locker networks; coastal/island coverage adds a day in low season.

IB World Schools directory (ibo.org) — verified per-school entries for Split

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Both verified individually against the official IB directory: (1) Split International School / Aspalathos Međunarodna Škola — IB code 062271, authorised 2023-04-25, English (ibo.org/en/school/062271; also holds a US MSA-accredited high-school diploma; campus in Dugopolje in the Split metro area); (2) Split International School Harfa — IB code 062367, authorised 2024-01-12, English/Croatian (ibo.org/en/school/062367). No Cambridge International / CIS / COBIS / AEFE / German-Auslandsschule school was found in Split (the British/Cambridge and American international schools are all in Zagreb).

Notes

Count = 2, both IB World Schools verified against the IB accreditor registry (not aggregator sites). Second IB entry: ibo.org/en/school/062367. Metro-area basis includes Dugopolje (≈15 km inland). Small but genuine international-school provision for a mid-sized coastal city.

Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Notes

2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.

Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Notes

2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.

Croatian private health-insurance market (dodatno / international comprehensive plans) — market midpoint; insurers quote on request

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Comprehensive basis (outpatient + inpatient), healthy 35-year-old resident foreigner. Genuinely comprehensive international private medical insurance runs ≈€50–150/mo; midpoint ≈€100/mo ≈ €1,200/yr ≈ $1,370–$1,400 at 1.1399 USD/EUR. Rounded to $1,400. Deliberately NOT the €180/yr public 'dopunsko' co-payment cover (which sits on top of mandatory HZZO), which would understate a comprehensive standalone premium and break cross-country comparability. Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.

Notes

Croatia's system differs from most: residents are covered by mandatory public HZZO (~€90–100/mo income-based contribution) and most people buy only cheap 'dopunsko' cover (€180/yr, 2026) that removes co-payments including hospital co-pays; comprehensive standalone private plans are less commonly needed. Standalone 'dodatno' plans span €160–930/yr but are supplemental, not full outpatient+inpatient replacements — hence the comprehensive figure is anchored on international private medical insurance instead.

Croatian private health-insurance market (dodatno / international comprehensive plans) — market midpoint; insurers quote on request

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Comprehensive basis (outpatient + inpatient), healthy 35-year-old resident foreigner. Genuinely comprehensive international private medical insurance runs ≈€50–150/mo; midpoint ≈€100/mo ≈ €1,200/yr ≈ $1,370–$1,400 at 1.1399 USD/EUR. Rounded to $1,400. Deliberately NOT the €180/yr public 'dopunsko' co-payment cover (which sits on top of mandatory HZZO), which would understate a comprehensive standalone premium and break cross-country comparability. Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.

Notes

Croatia's system differs from most: residents are covered by mandatory public HZZO (~€90–100/mo income-based contribution) and most people buy only cheap 'dopunsko' cover (€180/yr, 2026) that removes co-payments including hospital co-pays; comprehensive standalone private plans are less commonly needed. Standalone 'dodatno' plans span €160–930/yr but are supplemental, not full outpatient+inpatient replacements — hence the comprehensive figure is anchored on international private medical insurance instead.

EEA European city air quality viewer (Zagreb, 2024 annual mean; data reported to EEA under the EU Ambient Air Quality Directives)

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Notes

2024 annual mean PM2.5 for Zagreb, derived from urban/suburban background monitoring stations reported to the EEA. About 2.8× the WHO 2021 guideline (5 µg/m³); within the current EU limit value (25) but above the 2030 EU limit (10). Winter domestic heating and temperature inversions in the Sava basin are the main drivers; summers are cleaner. Not fetched from the interactive viewer directly (JS tool); value corroborated via the EEA-sourced EU air-quality tracker.

EF EPI 2025 (rank 2/123, score 617 — Very High band)

Research

Data as of

Nov 1, 2025

Verified

Jul 4, 2026

Notes

Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.

EF EPI 2025 (rank 2/123, score 617 — Very High band)

Research

Data as of

Nov 1, 2025

Verified

Jul 4, 2026

Notes

Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.

Porezna uprava — capital-income taxation of crypto disposals (12%); HANFA/HNB MiCA supervision

Official source

Data as of

Jul 1, 2026

Verified

Jul 4, 2026

Notes

Holding/trading legal for individuals. Gains on crypto-to-fiat disposals taxed at 12% capital-income tax; crypto-to-crypto swaps untaxed; assets held over two years are exempt. EU MiCA applies — HANFA (with HNB) supervises CASPs; legacy VASPs registered before 2024-12-30 had until 2026-07-01 to obtain full CASP authorisation (HANFA granted the first MiCA CASP licence, Electrocoin, in April 2026). Classified legal-regulated: standard EU licensing + taxation, with a notably favourable long-term-holding exemption.

Porezna uprava — capital-income taxation of crypto disposals (12%); HANFA/HNB MiCA supervision

Official source

Data as of

Jul 1, 2026

Verified

Jul 4, 2026

Notes

Holding/trading legal for individuals. Gains on crypto-to-fiat disposals taxed at 12% capital-income tax; crypto-to-crypto swaps untaxed; assets held over two years are exempt. EU MiCA applies — HANFA (with HNB) supervises CASPs; legacy VASPs registered before 2024-12-30 had until 2026-07-01 to obtain full CASP authorisation (HANFA granted the first MiCA CASP licence, Electrocoin, in April 2026). Classified legal-regulated: standard EU licensing + taxation, with a notably favourable long-term-holding exemption.

Composite — EU free movement of capital (euro-area member) + Porezna uprava cash-payment and reporting rules

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Composite of: euro-area member since 2023 (no domestic currency, full free movement of capital under EU law, no capital controls); euro is fully convertible; no FBAR-style personal foreign-account disclosure beyond EU CRS automatic exchange via banks; foreigners open bank accounts on standard EU AML terms. Business cash-payment limits apply (fiscalisation of cash receipts, statutory cap on large cash B2B transactions) but no consumer cash cap on personal funds. Low state control over personal money flows, consistent with other euro-area members.

Notes

Not scored on a per-euro-figure basis; classification. IMF AREAER not re-fetched this cycle — euro-area status makes capital controls legally impossible, so the low band is robust.

Composite — EU free movement of capital (euro-area member) + Porezna uprava cash-payment and reporting rules

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Composite of: euro-area member since 2023 (no domestic currency, full free movement of capital under EU law, no capital controls); euro is fully convertible; no FBAR-style personal foreign-account disclosure beyond EU CRS automatic exchange via banks; foreigners open bank accounts on standard EU AML terms. Business cash-payment limits apply (fiscalisation of cash receipts, statutory cap on large cash B2B transactions) but no consumer cash cap on personal funds. Low state control over personal money flows, consistent with other euro-area members.

Notes

Not scored on a per-euro-figure basis; classification. IMF AREAER not re-fetched this cycle — euro-area status makes capital controls legally impossible, so the low band is robust.

SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Method

Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.

SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Method

Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.

Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Notes

2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.

Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Notes

2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.

EEA European city air quality viewer (Zagreb, 2024 annual mean; data reported to EEA under the EU Ambient Air Quality Directives)

Open data

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Notes

2024 annual mean PM2.5 for Zagreb, derived from urban/suburban background monitoring stations reported to the EEA. About 2.8× the WHO 2021 guideline (5 µg/m³); within the current EU limit value (25) but above the 2030 EU limit (10). Winter domestic heating and temperature inversions in the Sava basin are the main drivers; summers are cleaner. Not fetched from the interactive viewer directly (JS tool); value corroborated via the EEA-sourced EU air-quality tracker.

DZS Household Budget Survey 2022 (all-household COICOP structure), CPI-uplifted and single-person-scaled; cross-checked vs Eurostat price levels

Curated by SettleMetric

Data as of

May 31, 2026

Verified

Jul 4, 2026

Method

DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.

Notes

Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.

DZS Household Budget Survey 2022 (all-household COICOP structure), CPI-uplifted and single-person-scaled; cross-checked vs Eurostat price levels

Curated by SettleMetric

Data as of

May 31, 2026

Verified

Jul 4, 2026

Method

DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.

Notes

Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.

SettleMetric computation over climate-normals

Curated by SettleMetric

Data as of

Dec 31, 2020

Verified

Jul 4, 2026

Method

Months with mean daily max 15–28°C and precipitation < 150mm: Apr (18.4°C), May (23.4), Sep (25.4), Oct (20.5), Nov (15.6) = 5. June misses (28.1°C, just above 28); Jul/Aug too hot (31/30.9°C); Dec–Mar too cool. No month is disqualified by rainfall (max is Nov 119.8mm < 150).

SettleMetric computation over climate-normals (Zagreb-Maksimir WMO 14240)

Curated by SettleMetric

Data as of

Dec 31, 2020

Verified

Jul 4, 2026

Method

Months with mean daily max 15–28°C and precipitation < 150mm: Apr (18.0°C), May (22.4°C), Jun (26.2°C), Sep (22.6°C), Oct (17.0°C) = 5. Jul and Aug are excluded because mean daily max is 28.1°C, just above the 28°C ceiling; Mar (13.0°C) is below the 15°C floor.