Tax is irrelevant if you are an employee in your own Croatian company. The paycheck is yours to choose and you can pay the company income to yourself (12% or 18% tax, depending on the amount). Yeah, you lose the social benefits of the future but have more money to save.
Companies here do not mind paying to your business for services because it is cheaper for them too, and as a tech worker, all the benefits of an employer are not that important.
As I've said, 100k puts you in the 12% bracket for company income. If you were receiving the salary as an employee, you'd give 35% of that. Employer would have a cost of ~200k. If your services are charged through your company, the cost is 100k for the employer, and you keep 88% when cashing out.
It's not that bad. Yes, you give up the Croatian pension, but it would be miserably small after inflation. You still keep the healthcare.
Seems unlikely. Montenegro is for example not member of the EU. Chances are it is a better idea to 'trade up' to somewhere like Slovenia instead were you can find yourself with a low tax rate in some situations.
The EU offers a lot of advantages in terms of labour market, services, payments etc. There are also reasons why Montenegro isn't allowed to join the EU that could be considered disadvantages. And of course if you don't care about those things there are plenty of other choices.
In Europe with same climate access to sea trivial ability to become a resident and similar tax level not that many :). Say you are US Citizen with remote position making 120K your tax bill in Montenegro is 13k. In Spain, Portugal, Greece etc you would be looking at 3x that.
