Accounting and property advisory in Montenegro for founders and families whose company and residence are already in place. One Podgorica team manages your books, structures your taxes, protects your property purchase and plans the next investment, at fees fixed in writing.
Reports arrive in English, Turkish or Russian. Running director payroll correctly also keeps your residence permit in good standing.
The title is verified before any deposit leaves your account, and the 3% to 5% agency commission stays with you.
State incentives target tourism, agriculture, energy and northern municipalities. We test your project against each one before capital moves.
Residence permits for family members are filed by our sister brand MonteStart.
Setting up is a single event; managing a company, a property and a household budget in Montenegro is a commitment measured in years. MonteNext covers that horizon with certified accountants, property advisers and investment consultants in Podgorica who already know your file and answer on WhatsApp at any hour.
Every ledger, tax return and property file is prepared and signed by licensed Montenegrin professionals in our own office.
We take no commission from sellers, banks or developers, so advice on price and terms stays aligned with your interest.
We model what an investment, a bank requirement or a tax rule means for you in figures, including the scenarios you would rather not hear.
The team speaks seven languages and the site runs in twelve. WhatsApp messages are answered 24/7.
One Podgorica team manages the accounts, the property, the investment and the family logistics.
Certified accountants manage your monthly books, VAT returns, payroll and annual statements for a fixed monthly fee, with reports you can read.
Hand over your booksBuyer-side sourcing directly from owners, cadastre title checks, notary contracts and rental income management, with no agency commission.
Plan a purchaseTax residency, double taxation treaties, the salary and dividend mix and personal returns, planned before the tax year starts.
Structure your taxesLocation, land and partner due diligence, state incentives and partner search for tourism, real estate, energy and technology projects.
Assess an investmentAccounts at Montenegrin banks for your company and household, backed by a complete compliance file, online banking and card acquiring.
Open the right accountHolding companies, subsidiaries, share transfers, shareholder agreements and liquidations, designed so ownership, tax and control stay aligned.
Design your structureLong-term housing, schools, health insurance, driving licence exchange and car import, organised as one plan for the whole household.
Plan the moveMontenegrin flag registration, charter licences and marina berths for your yacht, plus import and registration for your car.
Register your yachtDescribe your position: company registered, permit issued, family arriving. An adviser outlines the next moves and sends a written proposal.
We assume your bookkeeping, connect e-invoicing and payroll and fix the monthly fee in writing.
Sourcing, due diligence, incentive checks and structure for the asset or project you are weighing.
Accounts opened, tax residency mapped, and housing, schooling and the car arranged for your family.
Monthly accounting, annual filings and every business or household question stay with the advisers who know your file.
Two packages cover most buyers and investors. Accounting and other mandates are quoted individually after the first call.
We act for the buyer only, from shortlist to registered title, with no agency commission.
€1,900fixed fee
For: Individuals and companies buying apartments, houses or land in Montenegro
Timeline: Typically 3-6 weeks from accepted offer to registered title
The structure, banking, tax residency and household plan an investor needs in Montenegro, delivered as one mandate.
€3,900fixed fee
For: Investors and founders expanding their position in Montenegro
Timeline: Structure and bank accounts in 2-4 weeks, the full plan within 8 weeks
Package fees are fixed in EUR and confirmed in writing before work begins. Monthly accounting is a separate fixed monthly fee. Company formation and residence permits sit with our sister brand MonteStart.
Our sister brand MonteStart handles company formation, residence and work permits, family reunification and the digital nomad permit at fixed prices. MonteNext takes over the day your permit is issued.
Begin with MonteStartMonteStart
With the company and residence settled, the figures start to matter: a simple tax system, euro income, an open property market and targeted investor incentives. MonteNext turns those figures into a plan one local team can execute.
| Area | Our commitment |
|---|---|
| Transparency | Fixed fee in writing before work starts, with no fees added later |
| Filings on schedule | Every VAT, payroll and annual return submitted ahead of the statutory deadline |
| Zero agency commission | A fixed fee from the buyer and negotiation on the buyer's side only |
| Licensed local team | Over 10 years of Montenegrin accounting and advisory work, nothing outsourced |
| Title verified first | Cadastre and planning checks on every property before a deposit is paid |
| Seven working languages | English, Montenegrin, Turkish, Russian, Serbian, Bosnian and Croatian on every file |
| Long-term relationship | The same adviser year after year, reachable 24/7 on WhatsApp |
Investors weighing the Adriatic usually model Montenegro against Croatia and Serbia. These are the variables that move the numbers on a purchase, a holding structure and annual tax in 2026.
| Criterion | Montenegro | Croatia | Serbia |
|---|---|---|---|
| Corporate income tax rate | 9% up to €100k profit | 10% to 18% | 15% |
| Property transfer tax | 3% on resale property | 3% | 2.5% |
| Currency | EUR | EUR | RSD (dinar) |
| Foreign property ownership | Apartments and houses without restriction, land with conditions | Free for EU citizens, reciprocity for others | By reciprocity |
| Withholding tax on dividends | 15%, reduced under treaties | 10% | 20% |
| EU status | Candidate with the region's most advanced negotiations | Member since 2013 | Candidate |
A Montenegrin company submits VAT returns every month, runs payroll for its director and files annual financial statements by the end of March, while every invoice passes through electronic fiscalisation. Our certified accountants post your documents, file each return ahead of the deadline and report in English, all for a fixed monthly fee set in writing.
Foreign buyers can hold apartments and houses in their own name. The contract is signed before a notary, entered in the cadastre and taxed at 3% on resale property, while new builds bear VAT instead. We source directly from owners, check the title for mortgages and planning issues, negotiate the price and register the deed, so no agency commission is paid.
State support targets tourism, agriculture, energy and technology, with extra measures for projects in northern municipalities. We stress-test your plan, run due diligence on land, partners and permits, and put in place the holding structure, bank accounts and tax residency the investment depends on.
Personal income tax ranges from 9% to 15%, dividends carry 15% withholding that treaties can reduce, and there is no wealth tax. Spending more than 183 days a year in Montenegro makes you tax resident, which may lower your total burden. We model residency, salary and dividends before the tax year opens.
Direct answers to what founders and investors ask us most.
Monthly accounting is a fixed fee agreed in writing, set by your volume of transactions and number of employees. Single-director companies sit at the lower end, and we confirm the figure after a short onboarding call.
Yes, we collect the ledgers and filings from your previous accountant and continue without a gap, including this year's annual statements.
You become tax resident after 183 days in Montenegro within a calendar year, or earlier if your centre of vital interests moves here. We review your treaty position and obtain the residency certificate.
Dividends are subject to 15% withholding tax, which Montenegro's treaties with more than 40 countries can reduce. We plan timing and paperwork so the treaty rate applies.
Yes, we prepare and submit the annual personal return that residents with foreign income, rental income or capital gains must file.
Crypto gains are generally taxed as capital income at the personal income tax rate. We document each transaction and report it correctly.
Yes, foreign individuals and companies can buy apartments and houses in their own name. Agricultural land and plots without a building require a Montenegrin company, which our sister brand MonteStart can register.
Resale property carries a 3% property transfer tax, while new builds bought from a developer carry VAT instead. Notary and registration fees are modest and itemised in your quote.
We are paid a fixed fee by the buyer and represent only the buyer. Sourcing directly from owners and developers, checking the title and negotiating for you usually saves the 3% to 5% commission.
Yes, under an apostilled power of attorney we sign before the notary and register the title for you.
Coastal apartments trade at roughly €2,000 to €3,000 per square metre. In Podgorica prices run from €1,500 in the suburbs to €2,500 in prime districts, and northern towns are near €1,000.
Yes, we run marketing, tenancy contracts, fiscal invoicing and tax filings for short-term and long-term lets.
Tourism, agriculture, energy, manufacturing and technology qualify, with additional support for projects in northern municipalities. We confirm eligibility before any capital is committed.
Yes, we review ownership, encumbrances, planning status, permits and counterparties and deliver a written report before you sign.
Yes, selected banks open personal accounts for non-residents who present a complete compliance file. Corporate accounts follow company registration, and we prepare the file and attend with you.
Yes, we design holdings, subsidiaries and share transfers, draft shareholder agreements and align the structure with tax residency and treaty access.
For owners based in the Adriatic, the Montenegrin flag offers straightforward registration, charter licensing and access to the country's marinas. We prepare and file the paperwork.
Yes, we manage import, customs clearance, homologation and registration, and exchange your driving licence where the rules allow.
MonteNext is the advisory brand of a Montenegrin accounting firm founded in 2015, with a team of 12 working from our office in Podgorica. Company formation and residence permits sit with our sister brand MonteStart.
The team works in seven languages: English, Montenegrin, Turkish, Russian, Serbian, Bosnian and Croatian, and this site is available in 12 languages.
Only for accounting; property, investment, banking and settlement services do not require one. If you still need a company or permit, MonteStart registers it and we take over from there.
Yes, every procedure follows Montenegrin tax, property and company law, and licensed professionals prepare every document.
The Property Purchase Package costs €1,900 and the Investor Setup Package €3,900, each a fixed fee confirmed in writing. Accounting is billed as a fixed monthly fee quoted after onboarding.
Write on WhatsApp at any hour, call during office hours, or leave your number in the contact form for a call back from an adviser.
Share your plan and receive a written proposal, timeline and fixed fee within one business day.
Accounting in Montenegro is where every later decision lands: the dividend you pay, the apartment you buy and the bank that accepts your company. MonteNext keeps the books of foreign-owned companies from an office in Podgorica and links them to tax, property and investment advice in one plan.
It covers a monthly cycle and an annual close, run by certified accountants for a fixed monthly fee agreed in writing. A typical year includes:
Onboarding takes about a week, including the handover from your previous accountant, and reports arrive in English, Turkish or Russian. Scope and fee logic are set out on our accounting services in Montenegro page.
Montenegro taxes companies and owners at low, banded rates, and most of the planning lies in how profit leaves the company. The figures behind accounting in Montenegro in 2026:
| Tax | Rate | What to know |
|---|---|---|
| Corporate income tax | 9%, 12%, 15% | 9% on profit up to €100,000, higher bands above |
| VAT | 21% and 7% | Registration compulsory above €30,000 annual turnover |
| Dividend withholding | 15% | Reduced under treaties with more than 40 countries |
| Personal income tax | 9% to 15% | Crypto gains taxed as capital income at the same rates |
| Property transfer tax | 3% | On resale property; new builds carry VAT instead |
| Wealth tax | None | No annual tax on net assets |
Rates only turn into a result once your days of presence, your home-country rules and the timing of each dividend are known.
After 183 days in the country within a calendar year, or earlier if your centre of vital interests moves here. A Montenegro tax advisor reviews your treaty position, obtains the residency certificate and weighs salary against dividends before the year opens.
Foreign individuals and companies can buy apartments and houses in their own name, while agricultural land and plots without a building need a Montenegrin company. We act for the buyer only, for a fixed fee, which usually saves the 3% to 5% agency commission. Typical prices per square metre:
Because your accountant already holds your file, the purchase is set up from day one for the right owner, personal or corporate, and for rental invoicing. The checks we run before any deposit are described under buying property in Montenegro.
Selected Montenegrin banks open personal accounts for non-residents who present a complete compliance file, and corporate accounts follow company registration. We prepare the file and attend with you.
The documents banks ask for, account by account, are listed on our page about how to open a bank account in Montenegro.
Owners with several companies or a foreign partner often add a holding layer. We design holdings and subsidiaries, draft shareholder agreements and handle share transfers, aligned with your tax residency.
Tourism, agriculture, energy, manufacturing and technology qualify, with extra support in northern municipalities. Our investment advisory in Montenegro tests a project against each incentive and runs due diligence on land, partners and permits before capital moves.
Every fee is set in euro and fixed in writing before work begins:
Both packages are compared line by line on the property and investor packages page, with notary, translation and registration costs itemised in each quote.
MonteNext is the advisory brand of a Montenegrin accounting firm founded in Podgorica in 2015. Its team of 12 works in English, Montenegrin, Turkish, Russian, Serbian, Bosnian and Croatian, takes no commission from sellers, banks or developers, and answers WhatsApp 24/7.
Founders who still need the company itself begin with company formation in Montenegro at our sister brand MonteStart, and we take over the file once the permit is issued.
Tell us what is already in place and what comes next: a company to keep compliant, a home to buy, a structure to test. Within one business day an adviser replies with the scope, the sequence and a fixed fee in writing, so accounting in Montenegro and every asset decision run on one calendar.
