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MULTIBASE IQ EXECUTIVE & FOUNDER DOSSIER

2026-09-21 · ID MBQ-B940D54EC827

KB schema 0.2

Your personal location report: the optimal anchor for your family

Personal location & relocation analysis for this household — not a company dossier.

Family of 2 with 2 school-age kids · 1 anchor base

83%family & location match

Personal relocation dossier · top 1 country

Your top base: Switzerland

83.4/100 is a match score out of 100 — points, not money and not a tax rate. Shown above as a family & location match of 83%. It measures how well this country fits the household you described. Must-haves (international schools, personal tax load) count fully; a weak must-have is marked down instead of being averaged away. A higher number means a closer fit for this profile, not a guaranteed saving.

€300,000 profit → €261,600 net / year (your private annual net on your account · personal tax rate ~12.8%)

  • International schools 90/100
  • Tax & household setup 75/100
  • Purchasing power & living standard in this country 100/100

Status quo (current base)

Germany

Your private annual net (on your account): €213,258 / year

Personal tax rate ~28.9% · schools 86/100

Target #1

Switzerland

Your private annual net (on your account): €261,600 / year

Personal tax rate ~12.8% · schools 90/100

More money on the private account

+€48,342 / year

more private net than Germany (your status quo)

Family infrastructure

111 international schools on file

legal certainty 94/100

Edge versus #2 (Singapore)

−€2,700 / year

less private net than Singapore

Family & location match ranks Switzerland first, but UAE (Dubai/Abu Dhabi) leaves ~€19,500 / year more private net on the account (same profit × sourced rates). The ranking is not a cash ranking.

Monthly household cashflow — Switzerland

Sourced rates turn profit into your private net. Household lines below are estimates (Numbeo-relative / AT anchors), not a ranking input and not a quote. The engine remainder subtracts public-school costs for children and still excludes housing; the luxury stack also subtracts typical family-house rent. Private / international school is shown separately and is not auto-deducted.

Your private net on the account (2 adults + 2 children)

  • Business profit (gross, monthly)€25,000 / month
  • Personal tax and contributions on the profit mix− €3,200 / month
  • Your private net on the account€21,800 / month

Maximum luxury living standard in this model

  • Family house / villa (≥120 m² typical rent)− €6,000 / month
  • Public school (children)− €2,169 / month
  • Private health insurance (household)− €1,500 / month
  • Groceries, car, energy and leisure− €2,683 / month
  • Free savings cashflow (after this luxury stack)€9,448 / month

Annual · Switzerland

Profit €300,000
− Personal tax on this mix €38,400
Your private annual net (on your account) €261,600

Monthly luxury stack (estimate)

Private net (business) €21,800
Groceries €1,456
Health insurance €1,500
Energy €287
Car €190
Leisure / restaurants €750
School — public track (in the monthly remainder) €2,169
House ≥120 m² rent (typical) €6,000
Free savings cashflow (after this luxury stack) €9,448

90-day relocation roadmap: Switzerland

What to do in the next 90 days for the household move to Switzerland · EU/EFTA passport from Germany. This is a residence and family sequence — not a corporate PE playbook.

Phase 1 (days 1–30) — Tax & legal foundation

  • Register residence under the EU–Switzerland agreement Start local residence registration with the municipality in Switzerland for an EU/EFTA passport. Confirm the permit category with immigration counsel.
  • Check lump-sum eligibility Take the stored regime overlay to a tax advisor and confirm you qualify before you file.
  • Coordinate the tax exit Align exit tax / asset-exit taxation and deregistration with a tax advisor in Germany.

Phase 2 (days 31–60) — Housing & schools

  • Secure housing Focus the search (typical house rent used on the dashboard: ~€6,000 / month) and sign a lease that can support residence registration.
  • Start the school search (2 children) Contact preferred international schools to reserve places for 2 children (111 international schools on file).

Phase 3 (days 61–90) — Company, bank & substance

  • Form the local company Start the GmbH / AG (or lump-sum) and confirm the rest of the structure with counsel.
  • Build local substance Set up physical presence and local management so the structure is not treated as a letterbox. What counts as substance is for counsel to confirm.
  • Open local bank accounts Start personal and business-account onboarding with a local Switzerland bank. Ask counsel which banks accept non-resident owners.

This sequence is a structured orientation from your profile and sourced country facts. Authority processing times, school offers and bank onboarding depend on local providers.

Advisor briefing memo — hand to your tax / legal counsel

One-page briefing · print this page 1:1 for your advisor

This page restates the legal parameters, tax rates and income mix on file for this household. Give it to your tax advisor or relocation counsel as the working sheet. Verify every rate against current law before any filing.

Household
Family of 2 with 2 school-age kids · 1 anchor base · Germany · age 52
Recommended base
Switzerland · family & location match 83% (83.4 points) · largest weighted contribution: International schools (90)
Entity / regime on file
GmbH / AG (or lump-sum)
Headline corporate tax (on file)
12% · top personal income tax 40%
Regime on file
Cantonal corporate tax ~12–21% (Zug ~11.8%); lump-sum taxation for HNWIs without gainful employment
Condition on file
No capital gains tax on movable private assets (incl. privately held crypto). Dividends from own shareholdings are partially taxed (effective ~20–25%). Wealth tax 0.1–1%. Lump-sum taxation only upon initial arrival / no gainful employment in Switzerland.
Exit tax / asset-exit (origin)
Passport Germany. Origin-country exit tax and asset-exit amounts: n/a in this knowledge base — checkpoint for the home-country advisor. Destination rates in the table are not an exit-tax computation.
183-day rule & minimum stay
Substance is flagged as required for this destination. Personal 183-day / day-count residence test: n/a in this knowledge base — checkpoint for the advisor. The residency score is not days present.
Settlement shortlist
Zurich, Lausanne, Zug, Upper Engadin (St. Moritz region), Basel
Income mix in this run
70% active business · 20% dividends · 10% capital gains · annual profit €300,000 → your private annual net €261,600 (personal tax rate ~12.8%)

Top 3 tax structure & private net comparison

Switzerland

Entity / regime GmbH / AG (or lump-sum)

Corporate tax (on file)
12%
Personal top tax rate
40%
Dividend tax
22%
Capital gains (private)
0% tax-free
Crypto (private)
0% tax-free
Your private annual net (on your account)
€261,600

Singapore

Entity / regime Pte Ltd (Employment / Investor Pass)

Corporate tax (on file)
17%
Personal top tax rate
24%
Dividend tax
0% tax-free
Capital gains (private)
0% tax-free
Crypto (private)
0% tax-free
Your private annual net (on your account)
€264,300

UAE (Dubai/Abu Dhabi)

Entity / regime Free zone / mainland (substance)

Corporate tax (on file)
9%
Personal top tax rate
0% tax-free
Dividend tax
0% tax-free
Capital gains (private)
0% tax-free
Crypto (private)
0% tax-free
Your private annual net (on your account)
€281,100

💡 Calculated on your €300,000 profit and income mix. The rates are official national baselines applied to that mix. Cantonal or municipal bands (for example Swiss 12–15%) stay in the entity note — they are not re-estimated in your private annual net.

The advisor must verify every rate and paragraph against current law and the client’s facts.

Top 3 comparison compass

Side by side

Four founder questions — not a 14-axis dump. Scores 0–100 from the same model as the ranking. A must-have below 60 is marked must-have not met (the engine’s non-compensatory −30), not averaged away.

Finances & tax

What you asked forSwitzerlandSingaporeUAE (Dubai/Abu Dhabi)
Tax & household setup (must-have)75/10080/10097/100
Wealth building & protection83.7/10084.4/10071.9/100
Purchasing power & living standard in this country100/10062/10074/100

Family & infrastructure

What you asked forSwitzerlandSingaporeUAE (Dubai/Abu Dhabi)
International schools (must-have)90/10086/10094/100
Safety73/10078/10086/100
Medical care71/10072/10071/100

Life on the ground & integration

What you asked forSwitzerlandSingaporeUAE (Dubai/Abu Dhabi)
Founder & expat community95/10093/10070/100
English in daily life60/10095/10075/100
Rule of law & institutions93/10058/10043/100
Residence / visa85/10050/10070/100

Lifestyle & climate

What you asked forSwitzerlandSingaporeUAE (Dubai/Abu Dhabi)
Climate fit70/10070/10070/100
Cost of living29/10049/10077/100
Natural-hazard safety99.7/10099.4/10096.6/100
Settlement-type fit70/10070/10070/100

Top 3 · weighted dimensions

  • Switzerland 83% match
  • Singapore 79% match
  • UAE (Dubai/Abu Dhabi) 78% match
SchoolsTax & setupPurchasing powerFounder communityEnglish in daily lifeRule of law

Score bars

Same 6 axes you weighted (ignored topics are omitted).

SchoolsTax & setupPurchasing powerFounder communityEnglish in daily lifeRule of law

Residence, language and legal certainty

Scores 0–100, higher = easier / safer on that axis. Bands describe the destination score — not a visa decision.

Visa / residency friction

Streamlined access · 85 of 100

Facilitated residence for an EU passport in Switzerland (Swiss–EU / EEA rules). Local registration still applies; this is not a third-country visa process.

Language / integration

English-friendly · 60 of 100

No barrier in German-speaking areas of Switzerland. English is strong in expat and business hubs.

Governance

World-class stability · 93 of 100

Top-tier rule of law, property protection and political stability in Switzerland.

Orientation from the engine scores. Behind the axes: EU free-movement / EEA–Swiss residence rules where they apply, EF EPI (English), Human Freedom Index and RSF press freedom.

Your top 3 — in depth

Why this is #1 for the household

1
Switzerland
83.4 / 100
83.4 of 100 points — family & location match, not money

Switzerland takes first place with a family & location match of 83% (83.4 points). The largest contribution to that score comes from Schools (world-class) — a criterion you marked as a must — where Switzerland scores 90, second in your shortlist only to UAE (Dubai/Abu Dhabi). Tax & company setup (75) and Local purchasing power (typical wage vs prices) (100) carry the next-largest weight in your set-up.

In money terms: applied to your annual profit of €300,000 and your income mix (70% active business, 20% dividends and 10% capital gains), Switzerland's rates — active business at 12%, dividends at 22% and capital gains at 0% — blend to a personal tax rate of ~12.8%, leaving roughly €261,600 private net per year on your account. Your predominantly active business income also benefits from the low 12% corporate rate (+5).

With school-age children and one fixed family base, world-class international schooling is non-negotiable in your set-up — Switzerland clears that bar with a schools score of 90. Settlement on file: Zuerich 1,4M Metro; alle Typen. Named hubs wave 1 (2026-09)..

The honest trade-off: Residency / visa & substance is Switzerland's weakest relevant dimension at 85.

What secures first place: against Singapore (79% match), Switzerland leads on Local purchasing power (typical wage vs prices) (+38), Governance & regulatory pressure (+35) and Residency / visa & substance (+35), and concedes ground only on Language & integration (English) (-35), Cost of living (higher = cheaper / better fit) (-20) and Tax & company setup (-5). In pure cash terms the two are ~€2,700 a year apart, in Singapore's favour.

Settlement shortlist

Place shortlist for Switzerland — editorial tech / economic / research hubs on file.

  • Zurich (Metro / big city (1M+) · pop. ~1,400,000 (metro area)) — Finance, software, deeptech, university spinouts. Largest Swiss metro and primary international entrepreneur base; ETH/UZH + finance density. Anchors: ETH Zurich, University of Zurich, Swiss Finance Institute. Source: BFS agglomeration stats / UN WUP; ETH/UZH ecosystem (secondary) · 2026-09 · estimate.
  • Lausanne (Small city (50k–1M) · pop. ~450,000 (metro area)) — Deeptech, medtech, software around EPFL. EPFL Innovation Park and Biopôle corridor make Lausanne the Romandie tech small-metro. Anchors: EPFL, EPFL Innovation Park, Biopôle. Source: EPFL Innovation Park; Canton Vaud economic development (secondary); pop estimate · 2026-09 · estimate.
  • Zug (Village (<50k) · pop. ~31,500 (municipality)) — Crypto, fintech, Web3. Crypto Valley seat — low corporate tax canton, high density of blockchain/fintech firms. Anchors: Crypto Valley, Ethereum Foundation (historic presence). Source: Stadt Zug statistics; S-GE / Crypto Valley Association (secondary) · 2026-09 · estimate.
  • Upper Engadin (St. Moritz region) (Remote / estate living) — Remote / estate living with HNW and seasonal services. Alpine estate living with international HNW density; not a tech campus — lifestyle/remote base. Anchors: St. Moritz region. Source: Tourism/cantonal descriptions (secondary); population n/a for dispersed estate living · 2026-09 · estimate.
  • Basel (Small city (50k–1M) · pop. ~550,000 (metro area)) — Life sciences, pharma, biotech. Cross-border life-sciences hub (Roche/Novartis corridor) with dense research employment. Anchors: Roche, Novartis, University of Basel. Source: Basel-Stadt / life-science cluster descriptions (secondary); pop estimate · 2026-09 · estimate.

Use this list to decide where to look first (metro vs village trade-off, industry fit). Hand the shortlist to your advisor with the country memo.

Strengths: Schools (world-class), Tax & company setup, Local purchasing power (typical wage vs prices)
Weak spot: Cost of living (higher = cheaper / better fit)
Entity / regime: GmbH / AG (or lump-sum)
Your private annual net: ~261,600 EUR (personal tax rate ~12.8%)

Household costs in Switzerland

Monthly household budget calculation for 2 adults and 2 children.
  • Business net estimate
  • Annual business profit ~€300,000
  • − Personal tax on this mix ~€38,400
  • Your private annual net (on your account) ~€261,600 / year
  • Net monthly income (business) ~€21,800
  • Children budget
  • 2 children per month
  • Children (public-school costs in the monthly remainder)
  • − Public school ~€0
  • − Meals and after-school care ~€2,169
  • − Children total, public track ~€2,169
  • Food budget
  • − Food (groceries) ~€1,456
  • Health budget
  • − Health insurance ~€1,500
  • Switzerland health-insurance floor used in this budget: at least €500 per adult and €250 per child per month. Additional copayments (franchise/deductible and co-insurance) can apply on top of the premium and are not included in this line.
  • − Health — adults ~€1,000
  • − Health — children 0–18 ~€500
  • Pension budget
  • Mandatory employer pension n/a (no gross salary entered — employer pension shown as rate only)
  • Included in total company cost · BVG / 2nd pillar (employer share) · 6% of gross
  • Statutory employee pension n/a (no gross salary entered — employee pension shown as rate only)
  • Handled via payroll withholding · AHV + BVG employee share · 5.3% of gross
  • − Recommended private top-up ~€2,180
  • Actionable net savings to close the local pension gap
  • Switzerland's 1st & 2nd pillars cover ~60% of income. A private Pillar 3 top-up of €2,180/mo is recommended.
  • Energy budget
  • Energy (100 m², climate-split) ~€287
  • Car budget
  • − Car (insurance, tax, parking) ~€190
  • Restaurant budget
  • − Restaurant (5 mid-range visits) ~€750

The household budget is an estimate for an average household of your size and the cost pattern that typically follows. It is information only — not a quote, a plan, or advice. Check the costs that apply to your case; we use average prices, and you will find both lower and much higher figures.

Private / international schools (not subtracted)

  • Indicative private-school cost, 2 children ~€5,124
  • Indicative cost per child ~€2,562
  • Private / international school fees for school-age children. Costs vary widely by school, city and programme. This block is information only — it is not subtracted from the monthly household budget. Subtract the case that matches you.

Housing

  • − Apartment ≥100 m², cold rent ~€4,000
  • − House ≥120 m², rent ~€6,000
  • − House ≥120 m², purchase ~€2,000,000
  • − Typical for your household: house (family / couple) ~€6,000

Why this is the runner-up

2
Singapore
78.6 / 100
78.6 of 100 points — family & location match, not money

Singapore follows in second place at a 79% match (78.6 points). The largest contribution to that score comes from Schools (world-class) — a criterion you marked as a must — where Singapore scores 86, the third-strongest value in your shortlist. Tax & company setup (80) and Language & integration (English) (95) carry the next-largest weight in your set-up.

In money terms: applied to your annual profit of €300,000 and your income mix (70% active business, 20% dividends and 10% capital gains), Singapore's rates — active business at 17%, dividends at 0% and capital gains at 0% — blend to a personal tax rate of ~11.9%, leaving roughly €264,300 private net per year on your account.

With school-age children and one fixed family base, world-class international schooling is non-negotiable in your set-up — Singapore clears that bar with a schools score of 86. Settlement on file: Stadtstaat: nur Metro. Named hubs wave 2 (2026-09)..

The honest trade-off: Residency / visa & substance is Singapore's weakest relevant dimension at 50.

Why not higher? Against Switzerland it gives up Local purchasing power (typical wage vs prices) (-38), Governance & regulatory pressure (-35) and Residency / visa & substance (-35), while staying ahead on Language & integration (English) (+35), Cost of living (higher = cheaper / better fit) (+20) and Tax & company setup (+5). In pure cash terms the two are ~€2,700 a year apart, in Singapore's favour.

Settlement shortlist

Place shortlist for Singapore — editorial tech / economic / research hubs on file.

  • Singapore (Metro / big city (1M+) · pop. ~5,900,000 (metro area)) — Fintech, software, deeptech, semiconductors HQ functions. City-state metro — only settlement tier on file. Anchors: one-north, Block 71, A*STAR. Source: SingStat / UN WUP; one-north (secondary) · 2026-09 · estimate.

Use this list to decide where to look first (metro vs village trade-off, industry fit). Hand the shortlist to your advisor with the country memo.

Strengths: Schools (world-class), Tax & company setup, Language & integration (English)
Weak spot: Cost of living (higher = cheaper / better fit)
Entity / regime: Pte Ltd (Employment / Investor Pass)
Your private annual net: ~264,300 EUR (personal tax rate ~11.9%)

Household costs in Singapore

Monthly household budget calculation for 2 adults and 2 children.
  • Business net estimate
  • Annual business profit ~€300,000
  • − Personal tax on this mix ~€35,700
  • Your private annual net (on your account) ~€264,300 / year
  • Net monthly income (business) ~€22,025
  • Children budget
  • 2 children per month
  • Children (public-school costs in the monthly remainder)
  • − Public school ~€0
  • − Meals and after-school care ~€1,097
  • − Children total, public track ~€1,097
  • Food budget
  • − Food (groceries) ~€968
  • Health budget
  • − Health insurance ~€457
  • − Health — adults ~€366
  • − Health — children 0–18 ~€91
  • Pension budget
  • Mandatory employer pension n/a (no gross salary entered — employer pension shown as rate only)
  • Included in total company cost · CPF employer contribution
  • Statutory employee pension n/a (no gross salary entered — employee pension shown as rate only)
  • Handled via payroll withholding · CPF employee contribution
  • − Recommended private top-up ~€3,304
  • Actionable net savings to close the local pension gap
  • Singapore's 1st & 2nd pillars cover ~55% of income. A private Pillar 3 top-up of €3,304/mo is recommended.
  • Energy budget
  • Energy (100 m², climate-split) ~€166
  • Car budget
  • − Car (insurance, tax, parking) ~€118
  • Restaurant budget
  • − Restaurant (5 mid-range visits) ~€411

The household budget is an estimate for an average household of your size and the cost pattern that typically follows. It is information only — not a quote, a plan, or advice. Check the costs that apply to your case; we use average prices, and you will find both lower and much higher figures.

Private / international schools (not subtracted)

  • Indicative private-school cost, 2 children ~€4,167
  • Indicative cost per child ~€2,083
  • Private / international school fees for school-age children. Costs vary widely by school, city and programme. This block is information only — it is not subtracted from the monthly household budget. Subtract the case that matches you.

Housing

  • − Apartment ≥100 m², cold rent ~€6,506
  • − House ≥120 m², rent ~€11,386
  • − House ≥120 m², purchase ~€3,253,164
  • − Typical for your household: house (family / couple) ~€11,386

Why this completes the shortlist

3
UAE (Dubai/Abu Dhabi)
77.9 / 100
77.9 of 100 points — family & location match, not money

UAE (Dubai/Abu Dhabi) completes your top 3 at a 78% match (77.9 points). The largest contribution to that score comes from Tax & company setup — a criterion you marked as a must — where UAE (Dubai/Abu Dhabi) scores 97, the strongest value in your entire shortlist. Schools (world-class) (94) and Safety (86) carry the next-largest weight in your set-up.

In money terms: applied to your annual profit of €300,000 and your income mix (70% active business, 20% dividends and 10% capital gains), UAE (Dubai/Abu Dhabi)'s rates — active business at 9%, dividends at 0% and capital gains at 0% — blend to a personal tax rate of ~6.3%, leaving roughly €281,100 private net per year on your account. Your predominantly active business income also benefits from the low 9% corporate rate (+5).

With school-age children and one fixed family base, world-class international schooling is non-negotiable in your set-up — UAE (Dubai/Abu Dhabi) clears that bar with a schools score of 94. Settlement on file: Dubai 3,6M; Villa-Communities urban — kein Dorf-/Abgelegen-Wohnen fuer Expats. Named hubs wave 2 (2026-09)..

The honest trade-off: Residency / visa & substance is UAE (Dubai/Abu Dhabi)'s weakest relevant dimension at 70.

Why not higher? Against Singapore it gives up Founder / expat community (-23), Language & integration (English) (-20) and Governance & regulatory pressure (-15), while staying ahead on Cost of living (higher = cheaper / better fit) (+28), Residency / visa & substance (+20) and Tax & company setup (+17). In pure cash terms the two are ~€16,800 a year apart, in UAE (Dubai/Abu Dhabi)'s favour.

Settlement shortlist

Place shortlist for UAE (Dubai/Abu Dhabi) — editorial tech / economic / research hubs on file.

  • Dubai (Metro / big city (1M+) · pop. ~3,600,000 (metro area)) — Fintech, crypto, software, corporate HQ. Primary UAE international business/tech metro. Anchors: DIFC, Dubai Internet City. Source: UN WUP / Dubai Statistics (secondary) · 2026-09 · estimate.
  • Abu Dhabi (Metro / big city (1M+) · pop. ~1,500,000 (metro area)) — Energy-tech, sovereign tech, research. Capital metro with energy and research institutions. Anchors: Masdar, ADGM. Source: UN WUP / SCAD (secondary) · 2026-09 · estimate.
  • Ras Al Khaimah (Small city (50k–1M) · pop. ~400,000 (metro area)) — Free-zone business / tourism-tech. Northern emirate free-zone option outside Dubai core. Anchors: RAK free zones. Source: Emirate economic notes (secondary) · 2026-09 · estimate.
  • Sharjah outside Small city (50k–1M) (Small city (50k–1M) · pop. ~1,800,000 (metro area)) — Education/research adjacency, lower-cost urban. Northern emirate urban pole in Dubai orbit. Anchors: American University of Sharjah. Source: UN WUP (secondary) · 2026-09 · estimate.

Sharjah is filed under null but the stored population says otherwise (Sharjah ~1,800,000). Kept because the curated entry may still be the right place to look, flagged because the filter label would otherwise contradict the figure beside it.

Use this list to decide where to look first (metro vs village trade-off, industry fit). Hand the shortlist to your advisor with the country memo.

Strengths: Tax & company setup, Schools (world-class), Safety
Weak spot: Governance & regulatory pressure
Entity / regime: Free zone / mainland (substance)
Your private annual net: ~281,100 EUR (personal tax rate ~6.3%)

Household costs in UAE (Dubai/Abu Dhabi)

Monthly household budget calculation for 2 adults and 2 children.
  • Business net estimate
  • Annual business profit ~€300,000
  • − Personal tax on this mix ~€18,900
  • Your private annual net (on your account) ~€281,100 / year
  • Net monthly income (business) ~€23,425
  • Children budget
  • 2 children per month
  • Children (public-school costs in the monthly remainder)
  • − Public school ~€0
  • − Meals and after-school care ~€188
  • − Children total, public track ~€188
  • Food budget
  • − Food (groceries) ~€822
  • Health budget
  • − Health insurance ~€431
  • UAE health insurance is mandatory for residents (Dubai DHA / Abu Dhabi DoH). Mid-tier visa-capable household default: AED 6,000/year per adult and AED 5,000/year per child (family-of-4 mid-tier ~AED 22,000/year). Employer typically covers the employee only; dependants are extra unless the plan is extended. EBP-minimum products are lower and are not this line.
  • − Health — adults ~€235
  • − Health — children 0–18 ~€196
  • Pension budget
  • Mandatory employer pension ~€0
  • Included in total company cost · Mainland expat: no running pension contribution (end-of-service gratuity) · 0% of gross
  • Statutory employee pension ~€0
  • Handled via payroll withholding · Mainland expat: no statutory employee pension contribution · 0% of gross
  • − Recommended private top-up ~€14,055
  • Actionable net savings to close the local pension gap
  • UAE (Dubai/Abu Dhabi)'s public/mandatory cover is only ~10% of income. Plan on ~€14,055/mo private saving to close the gap to 70%.
  • Energy budget
  • Energy (100 m², climate-split) ~€153
  • Car budget
  • − Car (insurance, tax, parking) ~€282
  • Restaurant budget
  • − Restaurant (5 mid-range visits) ~€235

The household budget is an estimate for an average household of your size and the cost pattern that typically follows. It is information only — not a quote, a plan, or advice. Check the costs that apply to your case; we use average prices, and you will find both lower and much higher figures.

Private / international schools (not subtracted)

  • Indicative private-school cost, 2 children ~€2,545
  • Indicative cost per child ~€1,273
  • Private / international school fees for school-age children. Costs vary widely by school, city and programme. This block is information only — it is not subtracted from the monthly household budget. Subtract the case that matches you.

Housing

  • − Apartment ≥100 m², cold rent ~€3,895
  • − House ≥120 m², rent ~€4,483
  • House ≥120 m², purchase n/a (UAE house purchase left open — apartment transaction is not a house (sourced_18Sep_2.md))
  • − Typical for your household: house (family / couple) ~€4,483
  • Abu Dhabi 3BR apartment, asking ~€3,583

Legal watchdog & authority radar

Personal-tax and residence-programme changes that currently touch the recommended base or the next option. Company PE, entity and payroll changes sit in the Corporate dossier — not here.

  • Switzerland (2026-06-30): First Swiss QDMTT (nationale Ergänzungssteuer / national supplementary tax) returns are due 30 June 2026 for calendar-year groups (18 months after FY 2024). QDMTT has applied since 1 January 2024 and the IIR international top-up since 1 January 2025 for MNE groups with consolidated revenue ≥ EUR 750m; the Federal Council has not brought the UTPR into force. Filing is electronic via OMTax after unsolicited registration. Cantonal corporate tax for groups below the threshold — including typical Zug ~11.8–15% GmbH/AG rates and lump-sum taxation for individuals — is unchanged. Subsequent years: 15 months after year-end. — Federal Department of Finance, OECD minimum tax implementation; ESTV Ergänzungssteuer / OMTax; Canton of Zug OECD-Mindestbesteuerung (filing deadline)

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