Montenegro is considered a developing country. A nation's stage of development is determined by a number of factors including, but not limited to, economic prosperity, life expectancy, income equality and quality of life. As a developing country, Montenegro may not be able to provide consistent social services to its citizens. These social services can include things like public education, reliable health care, and law enforcement. Citizens of developing countries can have a lower life expectancy than citizens of developed countries. Montenegro exports about US$0.49 billion and imports about US$2.4 billion each year. 16% of the country's population is unemployed. The total number of unemployed in Montenegro is 100,675. In Montenegro, 8.6% of the population lives below the poverty line. The percentage of citizens living below the poverty line in Montenegro is low, indicating that there is a stable economy. Investors should consider Montenegro as a safe location for investments and other financial ventures. The country's Gini index is 26.2. Montenegro experiences a high level of equality. The income differences between citizens are only slightly significant. Montenegro has a Human Development Index (HDI) of 0.789. Montenegro has a high HDI score. This suggests that the majority of citizens will be able to live a worthwhile life while providing significant help and support to citizens with lower living standards. The Global Peace Index (GPI) for Montenegro is 1.854. Due to the strong presence of the law enforcement authorities and the high level of social responsibility, Montenegro is very safe in international comparison. The strength of the rights index for Montenegro is 12. Overall, it is considered to be quite strong – bankruptcy and collateral laws can protect the rights of borrowers and lenders quite well; Credit information is plentiful and easily accessible.

Currency
The currency of Montenegro is the euro. There are several plural forms of the name "euro". These are euros, euros. The symbol used for this currency is €, abbreviated to EUR. The euro is divided into cents; 1 euro is 100.

Credit rating
The depth of credit information index for Montenegro is 5, which means that the information is usually sufficient and easily accessible, although occasionally some necessary details may be missing. According to the rating agency S&P, Montenegro has a credit rating of BB- and the prospects for this rating are negative. According to the rating agency Moody's, Montenegro has a credit rating of Ba3 and the prospects for this rating are stable.

Central bank
In Montenegro, the institution that manages the state's currency, money supply and interest rates is called the Central Bank of Montenegro. Locally, the Central Bank of Montenegro is called Centralna Banka Crne Gore. The average interest rate on deposits offered by local banks in Montenegro is 2.1%.

National debt
Montenegro has a public debt equivalent to 81% of the country's gross domestic product (GDP) as estimated in 2012.

Control information
Corporate tax in Montenegro is 9%. Personal income tax ranges from 9% to 15% depending on your specific situation and income level. VAT in Montenegro is 19%.