English 
Français The short version
- Croatia grants a longer initial stay (18 months vs 6), and it is renewable.
- Tax treatment differs: Croatia — foreign income exempt; Uruguay — territorial taxation. Tax outcomes depend heavily on personal circumstances.
| Criteria | Croatia DN | Uruguay Nómada Digital permit |
|---|---|---|
| Minimum income / month | €3,622.50 | No fixed threshold |
| Income basis | Mixed (salary, freelance or savings) | Savings accepted |
| Initial duration | 18 months (better) | 6 months |
| Renewable | Yes | Yes |
| Maximum total stay | 18 months | 1 year |
| Path to permanent residence | No | Indirect (switch required) |
| Path to citizenship | No | Via permanent residence |
| Family inclusion | Yes (better) | No |
| Working for local clients | Not allowed | Not allowed |
| Tax treatment | Foreign income exempt (Digital nomad exemption, Income Tax Act Art. 9(1)(26)) | Territorial taxation (Sistema de fuente territorial (IRPF/IRNR); optional new-resident tax holiday for those who become tax residents) |
| Health insurance | Required (explicit) | Not required |
| Insurance duration required | Full visa period | — |
| Application fee | ≈ €46.45 | ≈ €8 (better) |
| Where to apply | Online, Embassy / consulate, In country | Online, In country |
| Processing time | — | 2–4 weeks |
Green values mark the objectively better number in that row.
Full guide
Croatia DN →
Requirements, application steps, insurance and sources.
Full guide
Uruguay Nómada Digital permit →
Requirements, application steps, insurance and sources.
Don't forget insurance
Both programs have their own health-insurance rules — we match plans against each one's published requirement, with the evidence shown.
Sources
- Government MUP - Temporary stay of digital nomads (English) (opens in a new tab) accessed 2026-06-10
- Government MUP - Privremeni boravak u svrhu boravka digitalnih nomada (Croatian) (opens in a new tab) accessed 2026-06-10
- Government MUP - Temporary stay of digital nomads (health insurance document requirement) (opens in a new tab) accessed 2026-06-10
- Official gazette Zakon o izmjenama i dopuni Zakona o obveznom zdravstvenom osiguranju i zdravstvenoj zastiti stranaca u RH, NN 26/2021 (digital nomads exempt from compulsory HZZO registration) (opens in a new tab) accessed 2026-06-10
- Official gazette Zakon o izmjenama i dopunama Zakona o porezu na dohodak, NN 138/2020 (Art. 9(1)(26) digital nomad exemption, in force 1 Jan 2021) (opens in a new tab) accessed 2026-06-10
- Government Croatian Tax Administration - Determination of residency status (183-day habitual abode / permanent residence) (opens in a new tab) accessed 2026-06-10
- Official gazette Zakon o izmjenama i dopunama Zakona o strancima, NN 40/2025 (Art. 61(1) 18-month duration with one extension; Art. 57(4) 6-month cooling-off) (opens in a new tab) accessed 2026-06-10
- Official gazette Zakon o strancima, NN 133/2020 (Art. 3(1)(43) digital nomad definition) (opens in a new tab) accessed 2026-06-10
- Government EMN Croatia (government) - New Foreigners Act in force 1 January 2021, introduces digital nomad stay (opens in a new tab) accessed 2026-06-10
- Government MUP - Privremeni boravak digitalnih nomada (fee schedule) (opens in a new tab) accessed 2026-06-10
- Government Digital Nomads Croatia - official MUP online application portal (opens in a new tab) accessed 2026-06-10
- Government Hoja de identidad provisoria - Tramites - gub.uy (Direccion Nacional de Migracion: includes 'nomada digital' category, cost 55.71 U.I., sworn declaration, vaccination cert per Decreto 136/2018, Decreto 394/009 / Decreto 353/23, document covers a period under 180 days) (opens in a new tab) accessed 2026-06-15
- Government Nomades digitales podran vivir y trabajar legalmente en Uruguay - Uruguay XXI (official: scope, 6 months renovable por 6 meses adicionales, Decreto 238/022, sworn declaration of means, no salary requirement at launch) (opens in a new tab) accessed 2026-06-15
- Government Permiso especial de residencia legal - gub.uy / AGESIC (official announcement: digital-nomad provisional-identity permit, 6+6 months, sworn declaration of means, criminal-record + vaccination cert for renewal, no income figure) (opens in a new tab) accessed 2026-06-15
- Government Residencia Legal - Temporaria - Tramites - gub.uy (ordinary temporary residence: issuing authority, 6 months-2 years duration, cost 557.30 U.I., for transition after the nomad permit) (opens in a new tab) accessed 2026-06-15
- Government Unidad Indexada - Direccion General Impositiva (DGI), gub.uy: official daily U.I. value table; 15/06/2026 = 6.5781 UYU, used to convert the 55.71 U.I. fee (opens in a new tab) accessed 2026-06-15
- Media Uruguay llama a nomadas digitales a residir y trabajar con un permiso especial - El Observador (cost 55.71 U.I., 'actualmente no hay requisitos de sueldo' / no salary requirement, 6+6 month renewal, launch context) (opens in a new tab) accessed 2026-06-15
- Media EUR/UYU exchange rate (~46.8 UYU per EUR, June 2026), used to convert the application fee to EUR (opens in a new tab) accessed 2026-06-15
- Law firm Uruguay Tax Residency - Complete 2026 Guide (183-day residency trigger with DGI substance test, territorial system, foreign-income treatment, new-resident holiday, Law 20.446) (opens in a new tab) accessed 2026-06-15
- Media Uruguay Raises Tax Holiday Threshold to US$2 Million and Introduces 12% Tax on Foreign Income (Law 20.446, effective 2026-01-01) (opens in a new tab) accessed 2026-06-15
- Government Uruguay - Healthcare (US ITA): SNIS / FONASA structure, ASSE public hospitals and private mutualistas (opens in a new tab) accessed 2026-06-15