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Personal / tax-free allowances by country

Every headline personal allowance, exempt band or standard deduction — side by side.

CountryPersonal allowance
AndorraFirst EUR 24,000 of general income at 0%; first EUR 3,000 of savings income exempt
ArgentinaEmployees are effectively tax-free to roughly ARS 30 million a year (basic + special allowances, first-half 2026 values)
AustraliaFirst AUD 18,200 tax-free; 50% capital gains discount after 12 months
AustriaFirst €13,539 tax-free; 13th/14th salaries taxed at 6% up to €25,000
BahrainAll personal income untaxed — no filing, no brackets, no allowances needed
BelgiumTax-free base €11,180; first €10,000 of financial-asset gains exempt (new 2026 tax)
BelizeTotal income up to BZD 29,000 a year: fully exempt (raised from 26,000 in January 2025)
BulgariaNo general allowance — the flat rate starts at the first euro; child credits instead
CanadaBasic personal amount CAD 16,452 (2026), credited at 14%
ChileFirst 13.5 annual tax units tax-free — about CLP 11.3 million in 2026
ColombiaFirst 1,090 UVT (≈ COP 57 million) at 0%; 25% of employment income exempt up to 790 UVT a year
Costa RicaEmployment income exempt up to CRC 918,000 a month; self-employed exempt up to CRC 6,244,000 a year
CroatiaEUR 600 a month personal allowance (2026), plus EUR 300+ per dependant
CyprusNew family allowances: EUR 1,000 – 1,500 per child plus EUR 2,000 housing, per spouse
Czech RepublicBasic tax credit CZK 30,840 for everyone; child credits CZK 15,204 – 27,840
DenmarkPersonal allowance DKK 54,100; employment deductions up to ~DKK 66,000
EcuadorFirst USD 12,208 tax-free (2026), plus an 18% personal-expense reduction capped by family size
El SalvadorFirst USD 6,600 a year tax-free (USD 550 a month)
EstoniaEUR 8,400 basic exemption for everyone (2026); EUR 9,312 from pension age
FinlandBasic allowance €4,265; earned income credit up to €3,430
France10% salary deduction (capped at €14,555) and the family-quotient split across household members
GeorgiaForeign-source income of residents: 0% under the territorial system
Germany€12,348 basic allowance (€24,696 for couples) — nothing is taxed below it
GreeceTax credit of EUR 777 – 1,780 on employment and pension income, rising with children
Hong KongBasic allowance HKD 145,000 (2026/27); married HKD 290,000
HungaryFamily allowance: HUF 133,340 – 440,000 a month off the tax base per dependant (2026)
IndonesiaIDR 54 million personal allowance, plus IDR 4.5 million each for a spouse and up to 3 dependants
Ireland€4,000 in credits for a typical employee (€2,000 personal + €2,000 employee credit)
ItalyEmployment tax credit up to €1,955 — wipes out tax on salaries up to roughly €8,500
JapanBasic deduction JPY 620,000 from 2026 (up to 1.04 million for modest incomes in 2026–27)
LatviaEUR 6,600 a year for everyone (2026); EUR 12,000 for pensioners
LithuaniaUp to EUR 747 a month tax-free for lower earners, phasing out by EUR 2,562 of monthly pay
LuxembourgFirst €13,230 tax-free; capital gains on movable assets exempt after 6 months
MalaysiaMYR 9,000 personal allowance; first MYR 5,000 of taxable income at 0%
Malta0% band of EUR 12,000 – 22,500 depending on family status (2026)
MauritiusFirst MUR 500,000 of chargeable income at 0%, after dependant deductions of MUR 110,000-355,000
MexicoPersonal deductions capped at the lower of 15% of income or MXN 213,973
MonacoNot needed — there is no personal income tax to shelter from
MontenegroFirst EUR 700 of monthly salary (EUR 8,400 a year) tax-free
NetherlandsBox 3 tax-free base €59,357 (double for partners); credits up to €8,800 replace personal allowances
New ZealandNo personal allowance — tax starts from the first dollar at 10.5%
NorwayPersonal allowance NOK 114,540; minimum allowance 46% of pay (max 95,700)
PanamaFirst PAB 11,000 tax-free; salary-only earners exempt up to PAB 10,400
Peru7 tax units (UIT) deductible — PEN 38,500 in 2026 — plus up to 3 UIT for listed expenses
PhilippinesFirst PHP 250,000 tax-free; 13th-month pay and benefits exempt up to PHP 90,000
PolandPLN 30,000 tax-free; income up to PLN 85,528 exempt for under-26s
PortugalEmployment deduction: the higher of your mandatory contributions or 8.54× the social support index (IAS, €537.13/month in 2026)
QatarNot needed — salaries and personal investments are simply outside the tax system
RomaniaPersonal allowance tied to the RON 4,050 minimum wage; gone above minimum wage + RON 2,000
Saudi ArabiaNot needed — salaries and personal investments sit outside the tax system
SingaporePersonal reliefs (earned income, family, retirement top-ups) capped at SGD 80,000 a year
SlovakiaPersonal allowance EUR 5,966.73, phasing out above EUR 26,083 of income
SloveniaGeneral allowance EUR 5,551.93 (higher below EUR 17,766 of income)
South AfricaFirst ZAR 99,000 effectively tax-free under 65, via the ZAR 17,820 primary rebate
South KoreaEmployment-income deduction up to KRW 20 million; KRW 1.5 million basic per family member
SpainPersonal allowance €5,550 (more from age 65); salary allowance up to €6,500 for net pay under €19,747.50
SwedenBasic allowance up to SEK 45,600 (up to 179,100 for over-66s); ISK savings tax-free to SEK 300,000
SwitzerlandPrivate capital gains on movable assets: tax-free
ThailandFirst THB 150,000 tax-free, plus a THB 60,000 personal allowance and a 50% employment deduction capped at THB 100,000
TurkeyIncome up to the minimum wage (TRY 33,030/month gross in 2026) is exempt for every employee
United Arab EmiratesNot needed — there is no personal income tax to shelter from
United Kingdom£12,570 personal allowance — frozen until April 2031
United StatesStandard deduction: $16,100 single / $32,200 married filing jointly (2026)
UruguayFirst 84 benefit-base units a year at 0% — about UYU 577,000
VietnamVND 15.5 million/month personal deduction (186 million/year), plus VND 6.2 million/month per dependant

Source: 2026 tax dataset · updated 2026-07-11 · rates are headline figures — see each country's tax guide for the full picture.

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