Annual tax savings by moving to Puerto Rico
Total Income: $0Single filer, simplified Act 60 treatment, 2025 tax inputs. Pre-move capital gains are US-taxable under Act 60; only post-move appreciation is exempt. Brackets verified 2026-04-16. Model last updated: 2026-02-08.
Assuming your tax situation stays roughly the same, here's how the Act 60 savings compound over time:
| Years | US Total | PR Total | Cumulative Savings |
|---|---|---|---|
| 1 year | $0 | $15,000 | $-15,000 |
| 3 years | $0 | $45,000 | $-45,000 |
| 5 years | $0 | $75,000 | $-75,000 |
| 10 years | $0 | $150,000 | $-150,000 |
Flat projection — does not account for income changes, tax-law changes, or inflation.
Total annual tax
Total annual cost (includes fees)
Some people ask whether a move to a no-income-tax state would deliver most of the same savings. Here's the federal-only baseline (no state tax, FICA still applies) alongside the Puerto Rico Act 60 outcome for your inputs. This is informational — Act 60's capital-gains exemption is the structural difference.
| Jurisdiction | Total tax | Net income |
|---|---|---|
| US federal only (no state) | $0 | $0 |
| Puerto Rico (Act 60) | $15,000 | $-15,000 |
Want a wider comparison? See the full ranking across no-tax states and PR.
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