Head to head

Monaco vs Zug.

🇲🇨 Monaco against 🇨🇭 Switzerland, on tax, residence, cost, and the life. Same model, same year, no brochure.

In short, current to September 2026

  • On $1,000,000 of income, Monaco takes an effective 0% and Zug takes 20%, so Monaco leaves about $196K more in hand each year on Patrician's 2026 model.
  • Neither Monaco nor Zug taxes a capital gain on a disposal by a resident individual, so a liquidity event realized after residence begins is not taxed locally in both.
  • Monaco operates no special regime for arriving foreigners. Switzerland operates: Lump sum taxation is available in Zug, one of the 21 cantons that still offer it. The tax is set on a deemed spending base, at least 7 times the rent or rental value of the home, with a federal floor around CHF 435,000 for 2026 and a cantonal minimum on top. Zug ordinary rates are already the lowest in Switzerland, so run both before electing.
  • Inheritance, what a child pays: nothing in Monaco, nothing in Zug.
  • Route in: Monaco by Residence by investment. Zug by Lump sum residence, Founder & talent.
  • Cost of the life is 125 in Monaco against 92 in Zug on Patrician's index where Zurich is 100, and safety 10 against 10 of 10. Both are Patrician editorial indices scored by us, not published statistics.

Source: the Patrician.ch board, an original ranking of 100 residence addresses across 48 countries and territories. Tax rates, thresholds and routes are sourced. Cost, safety, schools, sun and beauty are Patrician.ch editorial indices. Figures current to September 2026. Updated . Cite as: Patrician.ch, Monaco vs Zug: tax, residence and cost 2026, patrician.ch/compare/mco-vs-zug/, September 2026.

MonacoZug
Effective tax at $300K0%13%
Effective tax at $1M0%20%
Effective tax at $3M0%22%
Kept at $1M$1M$804K
Capital gains0%0%
Inheritance tax, childrennothingnothing
Cost index (Zurich 100)12592
Safety10/1010/10
Schools8/108/10
Sun hours2,7001,600
Supercar street index#1#51
Routes inResidence by investmentLump sum residence, Founder & talent
Net millionaire inflow 2025 (country, Henley)n/a+3,000
Flight London2.32.1
Flight New York8.88.7

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 September 2026.

By profile

How each profile reads.

For an executive on salary

Monaco keeps more of a $1M salary, $196K a year on this model. Zug answers with the life itself.

For a founder with an exit

Capital gains land at 0% in both. Neither city taxes wealth as such.

For a family

Zug leads on a lower cost, Monaco on sun. Schools and safety are level.

MonacoThe full pageZugThe full pageRank both on my numbersThe engine, 90 seconds
Questions

Which keeps more of a $1M income, Monaco or Zug?

Monaco, by about $196K a year on Patrician.ch's 2026 model.

Monaco takes an effective 0% of $1,000,000 and Zug takes 20%. At $3,000,000 the rates are 0% and 22%.

Which taxes capital gains less, Monaco or Zug?

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

Which is better for inheritance, Monaco or Zug?

Neither charges a spouse or children. Both exempt close family.

Monaco exempts a spouse, children and parents. Siblings pay 8% and others up to 16%. Switzerland has no federal inheritance tax. The canton sets it: every canton exempts a spouse, and all but Vaud, Neuchâtel and Appenzell Innerrhoden exempt children. Some Lucerne municipalities tax children.

Which is cheaper to live in, Monaco or Zug?

Zug, at 92 on the Patrician.ch cost index against 125 for Monaco, where Zurich is 100.

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

The Dossier: Monaco, Zug, and the third you have not considered.Your top 3 modeled on your income, exit, passports, and family. 10 chapters, written the moment you pay, usually ready within 2 minutes. The Dossier is $500. The founding price, $250, holds until 31 October. Refunded within 7 days if it does not change how you think.
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This page is the general case. Your income and passports rank all 100 differently.

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The general case, ranked: Where should high earners live in 2026 · Best country to live in if you are rich · Best countries for high earners after tax · Europe · United States

Tax figures use a simplified marginal model with indicative 2026 brackets for a non-US single filer, ignore social contributions, most deductions, wealth taxes, and treaties, and are not advice. Residence rules change often. Verify before acting.

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