Croatia

Measures the strength of the economic cycle: growth, jobs and credit. A high score means a base that lowers the risk of income shocks. It stands at 36/100 below the G20 median (43): poor. It is driven mainly by unemployment and credit growth. In practice, the risk of job and income shocks is elevated.

Jobs here are fragile. Keep a several-month buffer and hold off on big moves —buying, taking on debt— until it improves; if you want stability, look elsewhere. It improves if it recovers for real.

Measures how much of your income essentials consume (housing, energy, prices). A high score means money goes further and leaves room to save. It stands at 54/100 below the G20 median (56): so-so. It is driven mainly by household pressure, housing pressure and inflation. In practice, saving depends on keeping fixed costs in check.

You can save, but it's tight. Trim fixed costs (subscriptions, bills) and set some aside each month before spending. It'll get clearer in the next updates.

Measures whether buying or renting is reasonable against local incomes. High = affordable housing; low = you overpay relative to what people earn. It stands at 52/100 below the G20 median (58): so-so. It is driven mainly by housing pressure, the labour market and household pressure. In practice, housing weighs but is manageable with planning.

Housing weighs but is manageable. Before buying, check the mortgage and rents: often renting and waiting beats buying in a hurry. It'll get clearer in the next updates.

Measures healthcare quality, access and cost. A high score lowers a major risk: a medical emergency wiping out years of savings. It stands at 46/100 below the G20 median (60): so-so. It is driven mainly by health. In practice, check out-of-pocket costs before relying on the system.

Healthcare is okay, but check your out-of-pocket costs. If you'll rely on it, consider insurance just in case. It'll get clearer in the next updates.

Measures connection speed, latency and stability. A high score supports income that depends on being online (remote work). There isn't enough data to read the level reliably.

Internet holds up for work, but keep a plan B (mobile data, another area) in case it fails. It'll get clearer in the next updates.

Measures crime and institutional stability. A high score protects both quality of life and the value of what you own. It stands at 52/100 above the G20 median (49): so-so. It is driven mainly by safety, institutional stability and crime. In practice, watch the trend before committing.

Average safety; keep an eye on the trend before moving. It'll get clearer in the next updates.

Measures civil liberties and the institutions that protect property and contracts, the quiet foundation of long-term wealth. It stands at 39/100 below the G20 median (51): poor. It is driven mainly by civil liberties, freedom (Freedom House) and legal security. In practice, property and contracts carry more uncertainty.

Institutions are weaker; expect a bit more uncertainty in long-term decisions. It improves if it recovers for real.