Munich vs Prague for a high earner: tax, residence, cost, and life compared

	Munich	Prague
Effective tax at $300K	39%	21%
Effective tax at $1M	45%	22%
Effective tax at $3M	47%	23%
Kept at $1M	$550K	$776K
Capital gains	26%	0%
Cost index (Zurich 100)	80	56
Safety	9/10	9/10
Schools	8/10	7/10
Sun hours	1,900	1,700
Supercar street index	#35	#81
Routes in	Founder & talent	Golden visa, Founder & talent
Net millionaire inflow 2025 (country, Henley)	−400	n/a
Flight London	2.2	2.3
Flight New York	8.9	9

Simplified marginal model, indicative 2026 brackets, non-US single filer, no social contributions, deductions, wealth taxes, or treaties.

Verdicts

Who should pick which.

For an executive on salary

Prague keeps more of a $1M salary, $226K a year on this model. Munich answers with schools.

For a founder with an exit

Capital gains: Munich 26%, Prague 0%. The order of operations, move then sell or sell then move, decides more than the rate. Exit rules apply. Munich: Exit tax on holdings above 1% when you leave Germany.

For a family

Munich leads on schools and sun, Prague on a lower cost. Safety is level.

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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.