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[ Accounting, property and investment advisory in Podgorica ]
Go further in Montenegro with Montenext
You have the company and the residence permit. Montenext handles what comes next: accounting and tax, buying or renting property, investing, banking and settling your family, with the same local team and fixed prices agreed in advance.
Podgorica ✦Budva ✦Kotor ✦Tivat ✦Bar ✦Porto Montenegro ✦Luštica Bay ✦12 languages ✦Podgorica ✦Budva ✦Kotor ✦Tivat ✦Bar ✦Porto Montenegro ✦Luštica Bay ✦12 languages ✦
0%
agency commission when you buy property with us
9%
corporate income tax rate on profit up to €100,000
3%
property transfer tax on secondary-market purchases
12
languages spoken by our team
Choose your path
Pick your route
01 · Keep my company compliant
Monthly accounting, VAT, payroll and tax planning
Reports in English, Turkish, Russian or German. Payroll keeps your residence permit valid.
1.Onboarding and takeover from your previous accountant
2.Monthly bookkeeping and VAT returns
3.Payroll for the director and employees
4.Annual statements and tax return
Onboarding in one week, then a fixed monthly cyclefixed monthly fee
Most agencies disappear once the company is registered. Montenext is the team that stays: certified accountants, property advisers and investment consultants in Podgorica who know your file, your family and your plans, and who answer on WhatsApp around the clock.
Prices are fixed fees in EUR confirmed in writing before we start. Monthly accounting is quoted separately as a fixed monthly fee. Company formation and residence permits are offered by our sister brand Montestart.
Montestart
No company or residence permit yet? Start with Montestart.
Company formation, residence and work permits, family reunification and the digital nomad permit, at fixed prices by the same team. Montenext takes over the day your permit is issued.
Once your company and residence are in place, Montenegro offers a simple tax system, a euro economy, an open property market and incentives for investors. Montenext turns those advantages into a plan you can execute with one local team.
Corporate income tax of 9% on profit up to €100,000, 12% and 15% above that
Euro currency, so no exchange risk on rental income or European invoices
Foreigners can buy apartments and houses in their own name
Property transfer tax of 3% and no annual wealth tax
Dividend withholding reduced under more than 40 double taxation treaties
Incentives for tourism, agriculture, energy and investment in the north
Yacht registration with VAT and charter benefits in Adriatic marinas
International schools and private healthcare in Podgorica and on the coast
What You Get and What We Guarantee
Advantage
Our guarantee
Transparency and honesty
Always. Fixed price in writing before we start, no surprise fees
Accounting on time
Every VAT, payroll and annual filing submitted before the statutory deadline
No agency commission
We represent the buyer for a fixed fee and negotiate on your side
Local licensed team
10+ years of Montenegrin accounting and advisory practice, no outsourcing
Verified title before deposit
Cadastre and planning check on every property before you pay
Adviser stays with you year after year, 24/7 on WhatsApp
Montenegro Compared for Property Buyers and Investors
Investors looking at the Adriatic usually compare Montenegro with Croatia and Serbia. The table summarises what matters for a purchase, a holding structure and ongoing taxes in 2026.
Criterion
Montenegro
Croatia
Serbia
Corporate income tax
9% up to €100k profit
10% to 18%
15%
Property transfer tax
3% on secondary market
3%
2.5%
Currency
EUR
EUR
RSD (dinar)
Foreign ownership of property
Apartments and houses freely, land with conditions
EU citizens freely, others by reciprocity
By reciprocity
Dividend withholding tax
15%, reduced by treaties
10%
20%
EU status
Candidate, most advanced negotiations in the region
Member since 2013
Candidate
Accounting, Property and Investment in Montenegro: What to Know in 2026
What does monthly accounting involve?
Every Montenegrin company files monthly VAT returns, runs payroll for its director and submits annual financial statements by the end of March. Invoices go through the electronic fiscalisation system. Montenext's certified accountants book your documents, file every return before the deadline and send reports in English, with a fixed monthly fee agreed in writing.
How does buying property in Montenegro work?
Foreigners can buy apartments and houses in their own name. The purchase is signed before a notary, registered in the cadastre and taxed at 3% on the secondary market, while new builds carry VAT instead. We search directly with owners, check the title for mortgages and planning issues, negotiate the price and register the deed, so you pay no agency commission.
Which investments are supported?
Montenegro offers incentives for tourism, agriculture, energy and technology, with additional support for projects in northern municipalities. Our advisers review your plan, perform due diligence on land, partners and permits, and set up the holding structure, bank accounts and tax residency that make the investment work.
What about taxes for the owner personally?
Personal income tax runs from 9% to 15%, dividends carry 15% withholding reduced by treaties, and there is no wealth tax. If you spend more than 183 days in Montenegro you become tax resident, which can lower your overall burden. We plan your residency, salaries and dividends before the year starts.
FAQ
Accounting, Property and Investment in Montenegro: Your Questions Answered
Straight answers to the questions founders and investors ask us most often.
Accounting and tax
What does monthly accounting cost?
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A fixed monthly fee agreed in writing, based on the number of transactions and employees. Companies with a single director start at a modest flat rate; we quote after a short onboarding call.
Can you take over from my current accountant?
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Yes. We collect ledgers and filings from your previous accountant and continue without a gap, including the annual statements for the current year.
When do I become tax resident in Montenegro?
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After 183 days in a calendar year, or when your centre of vital interests is in Montenegro. We check your treaty position and prepare the residency certificate.
How are dividends taxed?
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Dividends carry 15% withholding tax, reduced under Montenegro's treaties with more than 40 countries. We plan the timing and documentation so you pay the treaty rate.
Do you handle my personal tax return?
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Yes. Residents with foreign income, rental income or capital gains file an annual personal return, which we prepare and submit.
Is crypto income taxed?
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Gains are generally treated as capital income at the personal income tax rate. We document the transactions and file them correctly.
Real estate
Can foreigners buy property in Montenegro?
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Yes. Individuals and companies can buy apartments and houses in their own name. Agricultural land and plots without a building require a Montenegrin company, which we can arrange through Montestart.
What taxes apply when buying?
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Secondary-market purchases pay 3% property transfer tax. New builds bought from a developer carry VAT instead of transfer tax. Notary and registration fees are small and listed in your quote.
How do you work without agency commission?
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We represent the buyer for a fixed fee. We search directly with owners and developers, check the title and negotiate on your side, which typically saves the 3% to 5% commission.
Can I buy remotely?
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Yes. With an apostilled power of attorney we sign before the notary and register the title on your behalf.
What do apartments cost?
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Coastal apartments sell for about €2,000 to €3,000 per square metre, Podgorica from €1,500 in the suburbs to €2,500 in the best districts, and northern towns around €1,000.
Can you manage my rental?
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Yes. We handle marketing, contracts, invoicing through the fiscal system and tax filings for short-term and long-term rentals.
Investment and banking
Which sectors receive incentives?
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Tourism, agriculture, energy, manufacturing and technology, with additional support for projects in northern municipalities. We check your eligibility before you commit capital.
Do you perform due diligence?
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Yes. We review ownership, encumbrances, planning status, permits and partners, and deliver a written report before you sign.
Can I open a bank account as a non-resident?
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Personal accounts for non-residents are possible at selected banks with a complete compliance file. Corporate accounts follow company registration. We prepare the file and accompany you.
Can you set up a holding company?
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Yes. We structure holdings, subsidiaries and share transfers, draft shareholder agreements and align the structure with tax residency and treaties.
Is yacht registration worth it?
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For owners who keep the boat in the Adriatic, the Montenegrin flag offers straightforward registration, charter licensing and marina access in Porto Montenegro, Luštica Bay and Portonovi. We handle the paperwork.
Can you help with a car?
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Yes. We arrange import, customs clearance, homologation and registration, and exchange your driving licence where the rules allow.
Working with us
Who are you?
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Montenext is the advisory brand of a Montenegrin accounting firm founded in 2015 with a team of 12 in Podgorica and Nikšić. Our sister brand Montestart handles company formation and residence permits.
Which languages do you support?
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The site is available in 12 languages. The team speaks English, Montenegrin, Turkish, Russian, Serbian, Bosnian and Croatian.
Do I need a company first?
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For accounting, yes. For property, investment, banking and settlement, no. If you still need a company or residence permit, Montestart registers it and we take over afterwards.
Is everything you do legal?
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Yes. Every procedure follows Montenegrin tax, property and company law, and every document is prepared by licensed professionals.
How much do your services cost?
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The Property Purchase Package is €1,900 and the Investor Setup Package is €3,900, both fixed fees confirmed in writing. Accounting is a fixed monthly fee quoted after onboarding.
How do I reach you?
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Message us on WhatsApp at any time, call during office hours, or leave your number in the contact form and an adviser will call you back.
Ready to Take the Next Step in Montenegro?
Tell us your plan and get a written proposal, timeline and fixed quote within one business day.