An honest look at relocating your online business to a low-tax jurisdiction —
with real headline rates, real disclosure on what actually changes (and what
doesn't), and a free 30-minute consult with no pitch attached.
The Analysis
Your tax differential, year one through ten.
Annual savings compound. Your structure, residency, and the destination's
headline rate all matter. We model each of them honestly — including the
part of the home-country tax that follows you when it can't be structured
away.
Reinvested profits are taxed at 0%; distributed profits at 22% (2026). This slider makes the Estonia story honest to what you actually plan to do.
HK Inland Revenue reviews offshore claims with deal-level scrutiny — this must be defensible with real records of where profit-generating activity occurs. Not "where clients pay from."
Pick a home, a destination, and your annual business profit. We'll project the year-one and multi-year picture honestly.
At a glanceYear-one + horizon snapshot for your featured destination
All destinations, for your profileSame home, same structure, same profit — every destination side by side. "Stay" is included as the honest baseline.
Best fit for your profile (ranked by net 10-year savings)
Net cumulative savings — by destination
Where the money goesFeatured destination vs. staying — the same year-one profit, split into tax components and kept profit.
Stay (current setup)
Relocate to —
Profit kept each year — staying vs. relocating
Kept if you stay Kept if you relocate Pre-tax profit (envelope)
Effective tax rate
Effective tax rate by profit levelOne curve per destination. Reveals UAE's cliff at $102k, Estonia's fork by distribution %, Hong Kong's two-tier + territorial mix. Your current profit is marked.
Break-evenCumulative gross savings compared against your restructuring cost. The crossover is the year the investment pays back.
Cumulative gross savings
Restructuring cost
SensitivityHow the 10-year net savings change as one input moves. All other inputs held at your current selection.
By annual profit
By growth rate
By horizon
By restructuring cost
Total cost of ownershipNot just tax — the full cost of the relocation over your horizon. Setup + tax + persistent home tax + ongoing admin. Setup/admin ranges are editorial (typical advisor-market observations), not quotes.
Setup + admin ranges are typical, not quotes. Actual fees depend on entity type, banking, audit requirements, and jurisdiction-specific licensing.
Cumulative tax — year by yearSide-by-side stay vs. relocate at the featured destination. The gap is what compounds.
Stay
Relocate
Reality checkThe persistence factor, feasibility per destination, and any honest "this won't work" flags — surfaced, not hidden.
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How much home tax follows you
Feasibility — destination by destination
Ratings reflect visa ease, setup cost, lifestyle, and tax-regime stability for online business owners. Hover a destination for details.
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For the skepticshow-the-math · year-by-year detail · methodology · glossary · wealth framing▾
Show the math
Year-by-year detail table
Wealth framing — illustrative
Illustrative only — historical investment returns do not predict future ones. Compounded growth assumes savings are invested annually at a constant 7% nominal pre-tax return. We do not provide investment advice.
Assumptions + limits of this model
Home effective rate uses a blended editorial midpoint (US 28% federal + state add-on; CAN combined SBD/general per province; UK HMRC 3-band).
Destination tax uses headline government rates only — no destination state / municipal layer, no treaty withholding modeled.
Persistence factors assume clean execution (personal exit tests passed, CMC genuinely moved, foreign-corp structure real). If audit later challenges any of that, real result could differ.
Setup + admin costs are typical market ranges, not quotes. Complex banking + audit requirements can push higher.
Currency everything is modeled in USD, with converted thresholds (AED 375k ≈ $102k; CAD 500k ≈ $375k; £50k ≈ $63k; HK$2M ≈ $255k). FX movements over the horizon are ignored.
Rate stability assumed for the horizon. Estonia's planned 22 → 24% increase was cancelled Dec 2025; UAE regime is young; other rates can change.
Not modeled: real-estate deemed dispositions, RRSP/ISA/401(k) exit treatments, spouse-of-owner residency effects, US Section 78 gross-up interaction with GILTI, EU-level anti-avoidance, HK FSIE substance requirements for passive income, and about 30 other cross-border edge cases.
Estimate only — illustrative, not tax advice.
Built on current (2026) headline tax rates published by the IRS,
CRA, HMRC, UAE Federal Tax Authority, Estonian Tax and Customs
Board, Hong Kong Inland Revenue Department, and the Cayman
Islands government. Actual outcomes depend on your specific entity
setup, tax residency, owner-compensation choices, treaty positions,
and any restructuring costs — none of which a calculator can model
precisely. The projection assumes your stated growth rate compounds
annually and rates remain at current levels. Use these numbers as
the starting point for a real conversation, not a guarantee. Book
the free consult below for an analysis of your actual situation.
Methodology
How every number on this page is built
Glossary
The cross-border tax terms used on this page
Source
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