Moving from Munich 2026: where a high earner keeps most

Moving from Munich, for a high earner.

Ranked on what $1,000,000 of income keeps over 10 years, with what Munich charges on the way out.

In short, current to October 2026

On the Patrician.ch board, the address that leaves a $1,000,000 earner leaving Munich with the most after 10 years is Dubai, UAE, at $10M kept against an effective 0%. Staying in Munich keeps $5.5M over the same 10 years, a difference of $4.5M.
Within 5 hours of Munich, the address that keeps the most is Monaco, at $10M over 10 years.
Leaving Munich itself carries a charge: Exit tax on shareholdings of 1% or more in a company and, since 2025, on investment fund units, ETFs included, where you held 1% of a fund in the 5 years before leaving or bought units of a single fund for 500,000 EUR or more. Germany deems them sold the day you leave if you were fully tax resident for at least 7 of the last 12 years. On company shares it taxes 60% of the gain at up to 45% plus the solidarity surcharge, about 28.5% of the gain. On equity fund units the 26.375% flat rate applies after the 30% partial exemption, about 18.5% of the gain. Since 2022 a move inside the EU no longer defers it.
Deferral: On company shares and fund units, payable in 7 annual installments on application, usually against security. The charge falls away if you return within 7 years, which can be extended to 12.
Figures are current to October 2026 and modeled on indicative 2026 headline brackets for a single filer. Confirm with counsel before relying on any of them.

Each address on this page was last checked against its official sources between 14 October 2026 and 30 October 2026. The sources for each are named on its page.

Source: the Patrician.ch board, an original ranking of 100 residence addresses across 47 countries and territories. Tax rates, thresholds and routes are sourced. Cost, safety, schools, sun and beauty are Patrician.ch editorial indices. Figures current to October 2026. Updated 5 November 2026. Cite as: Patrician.ch, Moving from Munich 2026: where a high earner keeps most, patrician.ch/answers/moving-from-munich/, October 2026.

Ranked

Leaving Munich: where $1,000,000 goes furthest.

Ordered by what a single filer keeps over 10 years after income tax, on Patrician.ch's 2026 model, with the flight time from Munich. The engine reorders this on your own income, liquidity event, passports and household.

Dubai 🇦🇪 UAE0% effective on $1M, no capital gains tax, 6h nonstop from Munich

$10M

Abu Dhabi 🇦🇪 UAE0% effective on $1M, no capital gains tax, 5h 50m nonstop from Munich

$10M

Punta del Este 🇺🇾 Uruguay0% effective on $1M, foreign gains untaxed 11 years by qualifying election, 16h 30m with 1 stop from Munich, special regime for arrivals

$10M

Anguilla 🇦🇮 Anguilla0% effective on $1M, no capital gains tax, 14h 40m with 1 stop from Munich

$10M

Monaco 🇲🇨 Monaco0% effective on $1M, no capital gains tax, 1h 30m nonstop from Munich

$10M

Christophe Harbour 🇰🇳 St Kitts and Nevis0% effective on $1M, no capital gains tax, 14h 40m with 1 stop from Munich

$10M

George Town 🇰🇾 Cayman Islands0% effective on $1M, no capital gains tax, 14h 15m with 1 stop from Munich

$10M

St John's 🇦🇬 Antigua and Barbuda0% effective on $1M, no capital gains tax, 12h 15m with 1 stop from Munich

$10M

Providenciales 🇹🇨 Turks and Caicos0% effective on $1M, no capital gains tax, 13h 50m with 1 stop from Munich

$10M

Nassau 🇧🇸 Bahamas0% effective on $1M, no capital gains tax, 13h 25m with 1 stop from Munich

$10M

Within 5 hours of Munich.

The same ranking, kept to addresses a direct flight of 5 hours or less from Munich.

Monaco 🇲🇨 Monaco0% effective on $1M, no capital gains tax, 1h 30m nonstop from Munich

$10M

Gibraltar 🇬🇮 Gibraltar6% effective on $1M, no capital gains tax, 3h 10m nonstop from Munich, special regime for arrivals

$9.4M

Andorra la Vella 🇦🇩 Andorra10% effective on $1M, no capital gains tax, 2h 10m nonstop from Munich

$9.0M

Tivat 🇲🇪 Montenegro17% effective on $1M, 17% on gains, 1h 35m nonstop from Munich

$8.3M

Vaduz 🇱🇮 Liechtenstein18% effective on $1M, no capital gains tax, no flight needed from Munich

$8.2M

Model note. Income tax on the published 2026 rules. Social contributions, most deductions and treaties are not modeled. Where a place is modeled on a regime for new arrivals, its city page says so. Flight times are scheduled gate to gate times on the fastest routing, from airline schedules read October 17, 2026. The exit charge from Munich is modeled separately and is not netted into the figures above.

See these 2 places for your own income.Dubai and Abu Dhabi, side by side on your income, passports and family. Free, in the ranking of all 100. Then the Dossier: a written report in 10 chapters on the 3 places that rank first for you. The Dossier is $500. The founding price, $250, holds until 30 November.

Compare them on my income →

Questions

The short answers.

Where should a high earner move from Munich?

On $1,000,000 of income, Dubai keeps the most over 10 years, $10M, followed by Abu Dhabi and Punta del Este.

Within 5 hours of Munich, Monaco keeps the most. The ranking changes with the passports held, the household and a liquidity event, all of which the engine takes as inputs.

Does Munich charge an exit tax?

Exit tax on shareholdings of 1% or more in a company and, since 2025, on investment fund units, ETFs included, where you held 1% of a fund in the 5 years before leaving or bought units of a single fund for 500,000 EUR or more.

Germany deems them sold the day you leave if you were fully tax resident for at least 7 of the last 12 years. On company shares it taxes 60% of the gain at up to 45% plus the solidarity surcharge, about 28.5% of the gain. On equity fund units the 26.375% flat rate applies after the 30% partial exemption, about 18.5% of the gain. Since 2022 a move inside the EU no longer defers it.

Can the exit tax on leaving Munich be deferred?

On company shares and fund units, payable in 7 annual installments on application, usually against security.

The charge falls away if you return within 7 years, which can be extended to 12.

Which addresses on the board levy no capital gains tax?

39 of the 100 addresses on the board levy no personal capital gains tax on listed securities, among them Abu Dhabi, Andorra la Vella, Anguilla, Athens, Bora Bora, Christophe Harbour.

The Dossier: your top 3, on your numbers.A written report on the 3 places that rank first for you, compared line by line on your income, a sale, your passports and your family. 10 chapters, written the moment you pay. Every tax figure carries its official source and the date it was last checked. The Dossier is $500. The founding price, $250, holds until 30 November. Refunded in full within 7 days of delivery, no reason needed.

Read chapters 1 to 3, free →

Free for your site

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The income tax of Dubai, Abu Dhabi, Punta del Este, Anguilla, Monaco and Christophe Harbour, side by side on 2026 rates. Your readers type their own salary and the places reorder. Free on any site, with the credit line under it.

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Moving from Munich, for a high earner.

Leaving Munich: where $1,000,000 goes furthest.

Within 5 hours of Munich.

The short answers.

Where should a high earner move from Munich?

Does Munich charge an exit tax?

Can the exit tax on leaving Munich be deferred?

Which addresses on the board levy no capital gains tax?

Put these figures on your site.

This page is the general case. Your income and passports rank all 100 differently.

This research on your firm's site, as Patrician AI under your name.