If you’re thinking about becoming self-employed, or continuing your self-employed journey while living in Albania, you’re probably wondering: Is it actually worth it?
As someone who’s currently self-employed and working remotely from Tirana, my answer is simple: Yes, it’s absolutely worth it.
Let me walk you through my personal experience, plus some real comparisons to other countries that might help you decide.
What Makes It Worth It
It’s a good idea if you prefer working for yourself
In cases where you want to work on your own terms, and from anywhere, I think setting up as a self-employed is a smart idea. You can work from anywhere in Albania, a coastal town, a mountainous view, or even a city you prefer (Tirana is a popular city for digital nomads).
2. Lower cost of living = less financial stress
If you’re earning in foreign currency or charging international clients, the lower cost of living in Albania gives you breathing room. Rent, groceries, transport, everything is more manageable compared to most European countries. For context:
- A one-bedroom apartment in Tirana averages €500 and up/month.
- Utilities and mobile internet are usually under €100/month combined.
Compare that to places like Germany, where rent alone can easily reach €1,000+ in major cities. This difference significantly lowers the income threshold you need to live comfortably.
3. A growing digital-friendly environment
There’s been a slow but steady rise in coworking spaces, remote work-friendly cafes, and community events. While Albania isn’t (yet) as developed as Lisbon or Tallinn in terms of digital infrastructure, it’s catching up. That makes it exciting to be part of the early shift.
How to Set up as a Freelancer in Albania
But It Takes a Few Steps
1. Setting yourself up legally can be confusing
Registering as self-employed in Albania means getting a NIPT number (business tax ID), and contributing to social and health insurance.
And if you make mistakes, you might end up paying late fees you can avoid from the very beginning. But the good news is, once you continue checking the first steps (like getting a NIPT, opening a business bank account, etc) all you have to do is pay contributions, and stay updated with taxes you might have to pay (and the economist, in case you’re working with one).
Personally, I get assisted by a professional (an economist) who has guided me through this entire process, and also issues invoices for my clients professionally.
If you’re interested in setting yourself up as a self-employed in Albania, feel free to reach out, we can help you!
2. Payments and banking aren’t always smooth
Albanian banks can be a bit tricky with international payments. Some freelancers prefer using Wise or Payoneer for better conversion rates and fewer restrictions. PayPal works too.
3. It can get lonely
Being self-employed means spending a lot of time on your own. And if you’re new in Albania, you might not have an immediate support system. Building a network takes effort, but there are some good online communities and events to plug into. Anyhow, that should not a problem if you like working on your own pace, as when it comes to networking, you can always join activities and events happening across the country.
How Albania Compares to Other Countries (Tax-wise)
One big question many people have: How do self-employment taxes in Albania stack up against other countries?
Here’s a simplified comparison:
| Country | Income Tax Rate (Self-Employed) | Social Contributions | Other Notes |
|---|---|---|---|
| Albania | 15% (flat for most cases) | ~23% combined | Low cost of living helps offset |
| Germany | 14% – 45% (progressive) | ~18%+ | High compliance, higher costs |
| Italy | ~15% (flat for new freelancers) | ~25%+ | Higher bureaucracy |
| Portugal | 14.5% – 48% (progressive) | ~21% | NHR regime helps temporarily |
| Estonia | 20% (flat) | ~33% | Strong digital nomad program |
In Albania, you generally pay:
- 15% personal income tax on profits (after expenses)
- Social and health contributions based on minimum thresholds (~€80–100/month)
- 0% VAT for many freelancers, unless you cross the annual revenue threshold (10M ALL / €90,000+)
This makes Albania relatively affordable tax-wise, especially if you’re just starting out or not earning massive amounts.
This Is Where Expatax.al Comes In
If you’re considering becoming self-employed in Albania, Expatax.al can save you hours! From registering your NIPT to helping you file monthly taxes, our team offers constant support.
Instead of piecing everything together through trial and error, we help you do it right from day one.
Final Thoughts
Being self-employed in Albania can help you grow and build your own rhythm. Sure, the system isn’t perfect. But if you’re willing to learn and you have the right support it’s more than manageable.
If you’re thinking about going solo in Albania, I’d say: go for it.
Explore your options, trust the process and enjoy the process!
