Andorra la Vella vs Monaco: Monaco keeps $96K more of $1M

Andorra la Vella vs Monaco.

Monaco leaves about $96K more of a $1M income in hand each year than Andorra la Vella, on the Patrician.ch 2026 model. 🇦🇩 Andorra against 🇲🇨 Monaco, compared on tax, residence, cost and the life.

In short, current to October 2026

On $1,000,000 of income, Andorra la Vella takes an effective 10% and Monaco takes 0%, so Monaco leaves about $96K more in hand each year on the Patrician.ch 2026 model.
Neither Andorra la Vella nor Monaco taxes a capital gain on a disposal by a resident individual, so a liquidity event realized after residence begins is not taxed locally in either.
Neither Andorra la Vella nor Monaco is modeled on a special regime for arriving foreigners, so both run on ordinary resident rates.
Inheritance, what a child pays: nothing in Andorra la Vella, nothing in Monaco.
Route in: Andorra la Vella by Residence by investment. Monaco has no standard investment route.
Cost of the life is 80 in Andorra la Vella against 125 in Monaco on the Patrician.ch index where Zurich is 100, and safety 10 against 10 of 10. Both are Patrician.ch editorial indices scored by us, not published statistics.

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 29 October 2026. Cite as: Patrician.ch, Andorra la Vella vs Monaco: tax, residence and cost 2026, patrician.ch/compare/andorra-la-vella-vs-monaco/, October 2026.

	Andorra la Vella	Monaco
Effective tax at $300K	9%	0%
Effective tax at $1M	10%	0%
Effective tax at $3M	10%	0%
Kept after tax at $1M	$904K	$1M
Capital gains	0%	0%
Inheritance tax, children	nothing	nothing
Cost index (Zurich 100)	80	125
A 200 m² prime home, US$	Not published	$12.5M
Prestige of address (editorial)	5/10	10/10
Safety	10/10	10/10
Schools	6/10	8/10
Sun hours	2,500	2,700
Supercar street index	#74	#1
Routes in	Residence by investment	Standard permits
Net millionaire flow, 2025 forecast (country, Henley)	n/a	n/a
Flight from London	2h 15m nonstop	2h 10m nonstop
Flight from New York	7h 40m nonstop	8h nonstop

See these 2 places for your own income.Andorra la Vella and Monaco, 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 31 October.

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Head to head

Effective income tax rate, % of income, at 3 incomes

$300K$1M$3MAndorra la Vella9%10%10%Monaco0%0%0%

Note: single filer, not a US citizen

Source: Patrician.ch 2026 tax model, built on official tax authority rates

Simplified marginal model, indicative 2026 brackets, non-US single filer, no social contributions, deductions, wealth taxes, or treaties. Inheritance is shown as it falls on a child, current to October 2026.

By profile

How each profile reads.

For an executive on salary

Monaco keeps more of a $1M salary, $96K a year on this model. Andorra la Vella answers with the life itself.

For a founder with an exit

Capital gains land at 0% in both. Neither city levies an annual wealth tax.

For a family

Monaco leads on schools and sun, Andorra la Vella on a lower cost. Safety is level.

Andorra la VellaThe full page

MonacoThe full page Rank both on my numbersThe engine, 90 seconds

Questions

Which keeps more of a $1M income, Andorra la Vella or Monaco?

Monaco, by about $96K a year on Patrician.ch's 2026 model.

Andorra la Vella takes an effective 10% of $1,000,000 and Monaco takes 0%. At $3,000,000 the rates are 10% and 0%.

Which taxes capital gains less, Andorra la Vella or Monaco?

Neither taxes them. Andorra la Vella and Monaco both levy no capital gains tax on a resident individual.

Which is better for inheritance, Andorra la Vella or Monaco?

Neither charges a spouse or children. Andorra la Vella levies no inheritance tax at all, and Monaco exempts close family.

Andorra levies no inheritance or gift tax. Monaco exempts a spouse, children and parents. Siblings pay 8% and others up to 16%.

Which is cheaper to live in, Andorra la Vella or Monaco?

Andorra la Vella, at 80 on the Patrician.ch cost index against 125 for Monaco, where Zurich is 100.

Safety scores 10 of 10 in Andorra la Vella and 10 of 10 in Monaco, schools 6 and 8. These are Patrician.ch editorial indices, not published statistics.

The Dossier: Andorra la Vella, Monaco, and the third you have not considered.A written report on the 3 places that rank first for you, 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 31 October. Refunded in full within 7 days of delivery, no reason needed.

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Income tax on the published 2026 rules. Social contributions, most deductions and treaties are not modeled. Figures are for a non-US single filer. Wealth tax, an exit and your passports are added when you run the engine on your own numbers. Not advice. Residence rules change often. Verify before acting.

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