{"id":30059,"date":"2026-01-19T09:29:00","date_gmt":"2026-01-19T07:29:00","guid":{"rendered":"https:\/\/carexpat.com\/blog\/?p=30059"},"modified":"2026-01-16T11:06:10","modified_gmt":"2026-01-16T09:06:10","slug":"retraite-a-letranger-en-2026-guide","status":"publish","type":"post","link":"https:\/\/carexpat.com\/blog\/retraite-a-letranger-en-2026-guide\/","title":{"rendered":"Prendre sa retraite \u00e0 l\u2019\u00e9tranger en 2026 : le guide pratique"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Vous envisagez de franchir le pas en 2026 ? Partir \u00e0 la <a href=\"https:\/\/carexpat.com\/blog\/retraite-a-l-etranger\/\" target=\"_blank\" rel=\"noreferrer noopener\">retraite \u00e0 l\u2019\u00e9tranger<\/a> est un projet de vie audacieux qui s\u00e9duit de plus en plus de Fran\u00e7ais. Au 31 d\u00e9cembre 2024, ils \u00e9taient d\u00e9j\u00e0 plus d\u2019un million (soit 7,1 % des retrait\u00e9s) \u00e0 avoir choisi l\u2019expatriation pour savourer leur nouvelle libert\u00e9. Que vous recherchiez une fiscalit\u00e9 douce, un climat ensoleill\u00e9 ou un co\u00fbt de la vie r\u00e9duit, une installation r\u00e9ussie repose sur une pr\u00e9paration minutieuse.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>O\u00f9 s&rsquo;installent les retrait\u00e9s fran\u00e7ais \u00e0 l&rsquo;\u00e9tranger ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le choix de la destination est la premi\u00e8re \u00e9tape de votre aventure. Si l&rsquo;Europe reste une valeur s\u00fbre pour sa proximit\u00e9, l&rsquo;Afrique et l&rsquo;Am\u00e9rique du Nord attirent \u00e9galement de nombreux profils.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Le Top 10 des destinations actuelles :<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Selon les derni\u00e8res statistiques, les retrait\u00e9s fran\u00e7ais se r\u00e9partissent principalement ainsi :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Pays<\/strong><\/td><td><strong>Nombre de retrait\u00e9s<\/strong><\/td><td><strong>Atout principal<\/strong><\/td><\/tr><tr><td><strong>Alg\u00e9rie<\/strong><\/td><td>334 669<\/td><td>Retraites de r\u00e9version \/ Retour au pays<\/td><\/tr><tr><td><strong><a href=\"https:\/\/carexpat.com\/blog\/expatriation-portugal\/\" target=\"_blank\" rel=\"noreferrer noopener\">Portugal<\/a><\/strong><\/td><td>159 680<\/td><td>Fiscalit\u00e9 et cadre de vie<\/td><\/tr><tr><td><strong>Espagne<\/strong><\/td><td>147 966<\/td><td>Infrastructures et proximit\u00e9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Italie &amp; Maroc :<\/strong> Entre 61 000 et 62 000 r\u00e9sidents, appr\u00e9ci\u00e9s pour la culture et le co\u00fbt de la vie.<\/li>\n\n\n\n<li><strong>Belgique &amp; Allemagne :<\/strong> Choisis pour la stabilit\u00e9 \u00e9conomique et la proximit\u00e9 g\u00e9ographique.<\/li>\n\n\n\n<li><strong>Suisse &amp; Canada :<\/strong> Des destinations premium offrant une qualit\u00e9 de vie et une m\u00e9decine d&rsquo;excellence.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">On note un fait int\u00e9ressant : les retrait\u00e9s expatri\u00e9s sont globalement plus \u00e2g\u00e9s que ceux rest\u00e9s en France. <strong>37 % d&rsquo;entre eux ont entre 80 et 89 ans<\/strong>, prouvant que l&rsquo;expatriation est un projet durable sur le tr\u00e8s long terme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>D\u00e9marches administratives : anticiper pour 2026<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Retrait\u00e9s expatri\u00e9s : quelles d\u00e9marches r\u00e9aliser ?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/Kqo7LOYMd30?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Les formalit\u00e9s de s\u00e9jour (Visas)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque pays impose ses propres r\u00e8gles. Pour les citoyens de l&rsquo;UE, le <strong>Portugal<\/strong> offre une grande libert\u00e9 (inscription simple au CRUE apr\u00e8s 3 mois). Hors Europe, les d\u00e9marches se corsent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>UE (Portugal, Espagne, Italie) :<\/strong> libert\u00e9 de s\u00e9jour jusqu\u2019\u00e0 3 mois, inscription au CRUE ou registre local au-del\u00e0.<\/li>\n\n\n\n<li><strong>S\u00e9n\u00e9gal :<\/strong> Obtention obligatoire d&rsquo;une carte d\u2019identit\u00e9 d\u2019\u00e9tranger.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/carexpat.com\/blog\/expatriation-bresil\/\">Br\u00e9sil <\/a>:<\/strong> Un visa sp\u00e9cifique est d\u00e9di\u00e9 aux retrait\u00e9s de plus de 60 ans.<\/li>\n\n\n\n<li><strong>Malaisie :<\/strong> Le programme \u00ab\u00a0Malaysia My Second Home\u00a0\u00bb (MM2H) est id\u00e9al pour les seniors ais\u00e9s.<\/li>\n\n\n\n<li><strong>Australie<\/strong> : Retirement Visa disponible, conditions selon \u00e2ge et ressources.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Fiscalit\u00e9 : \u00e9viter la double imposition<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ne partez pas sans avoir v\u00e9rifi\u00e9 l&rsquo;existence d&rsquo;une convention fiscale entre la France et votre pays d&rsquo;accueil.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Au Maroc ou au S\u00e9n\u00e9gal :<\/strong> Des abattements significatifs (jusqu&rsquo;\u00e0 80 %) peuvent s&rsquo;appliquer sur vos pensions si vous devenez r\u00e9sident fiscal.<\/li>\n\n\n\n<li><strong>Au Canada :<\/strong> Tous les revenus deviennent imposables sur place, mais des cr\u00e9dits d&rsquo;imp\u00f4t \u00e9vitent de payer deux fois pour le m\u00eame revenu.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Pays<\/strong><\/td><td><strong>Imposition des pensions fran\u00e7aises<\/strong><\/td><td><strong>Particularit\u00e9<\/strong><\/td><\/tr><tr><td>Maroc<\/td><td>Abattements jusqu\u2019\u00e0 80\u202f%<\/td><td>Fiscalit\u00e9 avantageuse pour les retrait\u00e9s<\/td><\/tr><tr><td>S\u00e9n\u00e9gal<\/td><td>Abattement possible pour les pensions<\/td><td>R\u00e9sidents fiscaux uniquement<\/td><\/tr><tr><td>Canada<\/td><td>Tous revenus imposables<\/td><td>Cr\u00e9dit d\u2019imp\u00f4t pour \u00e9viter la double imposition<\/td><\/tr><tr><td>Suisse<\/td><td>Imposition locale sur pensions<\/td><td>D\u00e9claration obligatoire si r\u00e9sidence principale<\/td><\/tr><tr><td>Portugal<\/td><td>Imposition partielle possible<\/td><td>Selon convention fiscale et dur\u00e9e de s\u00e9jour<\/td><\/tr><tr><td><a href=\"https:\/\/carexpat.com\/blog\/expatriation-etats-unis\/\">\u00c9tats-Unis<\/a><\/td><td>Imposition selon \u00c9tat<\/td><td>V\u00e9rifier les conventions fiscales bilat\u00e9rales<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Budget et co\u00fbt de la vie : bien \u00e9valuer ses besoins<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le pouvoir d&rsquo;achat est souvent le moteur du d\u00e9part, mais les \u00e9carts sont abyssaux d&rsquo;un pays \u00e0 l&rsquo;autre :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Destination<\/strong><\/td><td><strong>Budget moyen estim\u00e9 (Couple)<\/strong><\/td><td><strong>Comparaison vs France<\/strong><\/td><\/tr><tr><td><strong>Alg\u00e9rie<\/strong><\/td><td>~ 800 \u20ac &#8211; 1 000 \u20ac<\/td><td>-57 %<\/td><\/tr><tr><td><strong>Portugal (Lisbonne)<\/strong><\/td><td>1 500 \u20ac &#8211; 2 000 \u20ac<\/td><td>\u00c9quivalent \u00e0 la province<\/td><\/tr><tr><td><strong>Afrique du Sud<\/strong><\/td><td>~ 1 300 \u20ac<\/td><td>-40 %<\/td><\/tr><tr><td><strong><a href=\"https:\/\/carexpat.com\/blog\/expatriation-suisse\/\">Suisse<\/a><\/strong><\/td><td>3 680 \u20ac &#8211; 4 600 \u20ac<\/td><td>Tr\u00e8s on\u00e9reux<\/td><\/tr><tr><td><strong>\u00c9tats-Unis<\/strong><\/td><td>&gt; 4 000 \u20ac<\/td><td>Variable selon l&rsquo;\u00c9tat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Conseil Carexpat :<\/strong> Pr\u00e9voyez toujours un fonds d&rsquo;urgence et tenez compte de l&rsquo;inflation locale pour que votre retraite reste confortable sur 20 ans.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Percevoir sa pension de retraite \u00e0 l&rsquo;international<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bonne nouvelle : vous pouvez toucher votre pension fran\u00e7aise partout dans le monde. Cependant, deux obligations strictes s&rsquo;imposent :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Signaler votre changement de r\u00e9sidence<\/strong> \u00e0 vos caisses (CNAV, Agirc-Arrco).<\/li>\n\n\n\n<li><strong>Fournir un certificat de vie annuel :<\/strong> C&rsquo;est la preuve que vous \u00eates toujours b\u00e9n\u00e9ficiaire.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Innovation 2026 :<\/strong> Depuis fin 2024, l&rsquo;application <strong>\u00ab Mon certificat de vie \u00bb<\/strong> permet de valider cette d\u00e9marche via votre smartphone. Notez qu&rsquo;\u00e0 partir du <strong>1er janvier 2028<\/strong>, la reconnaissance biom\u00e9trique deviendra la norme pour simplifier encore davantage ce processus.<\/p>\n\n\n\n<div class=\"wp-block-divi-layout\"><h2>carexpat.com, la nouvelle fa\u00e7on de<br \/><span style=\"color: #15203d;\">s&rsquo;assurer \u00e0 l&rsquo;\u00e9tranger<\/span><\/h2><h3><span style=\"color: #DBDB19; font-size: 22px;\">1.<\/span>\u00a0\u00a0Meilleurs prix<\/h3>\n<ul>\n<li>&nbsp;&nbsp;Sans surco\u00fbt sur les tarifs assureurs,<br \/>\n&nbsp;&nbsp;nous comparons + de 300 offres d&rsquo;assurance<\/li>\n<\/ul><h3><span style=\"color: #DBDB19; font-size: 22px;\">2.<\/span>\u00a0\u00a0Simplicit\u00e9<\/h3>\n<ul>\n<li>&nbsp;&nbsp;Un parcours simple pour s\u00e9lectionner votre<br \/>\n&nbsp;&nbsp;solution en quelques clics<\/li>\n<\/ul><h3><span style=\"color: #DBDB19; font-size: 22px;\">3.<\/span>\u00a0\u00a0Accompagnement<\/h3>\n<ul>\n<li>&nbsp;&nbsp;Nos conseillers sont l\u00e0 pour un<br \/>\n&nbsp;&nbsp;accompagnement 100% personnalis\u00e9<\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>La sant\u00e9 \u00e0 l&rsquo;\u00e9tranger : le pilier de votre projet<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C&rsquo;est ici que votre projet peut r\u00e9ussir ou \u00e9chouer. La couverture sant\u00e9 est l&rsquo;\u00e9l\u00e9ment le plus complexe \u00e0 g\u00e9rer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Les accords bilat\u00e9raux<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La France a sign\u00e9 des conventions avec de nombreux pays (\u00c9tats-Unis, Canada, etc.) pour coordonner les droits. Cela permet de ne pas perdre vos trimestres de cotisation et facilite l&rsquo;acc\u00e8s aux soins.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Qualit\u00e9 des soins et structures locales<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Suisse &amp; Cor\u00e9e du Sud :<\/strong> Excellence m\u00e9dicale, mais tarifs tr\u00e8s \u00e9lev\u00e9s. Une assurance priv\u00e9e internationale est indispensable.<\/li>\n\n\n\n<li><strong>Colombie &amp; \u00c9quateur :<\/strong> Syst\u00e8mes performants et abordables dans les grandes m\u00e9tropoles, mais d\u00e9serts m\u00e9dicaux en zone rurale.<\/li>\n\n\n\n<li><strong>Maisons de retraite :<\/strong> Si vous anticipez une perte d&rsquo;autonomie, sachez que les mod\u00e8les varient. Aux Pays-Bas, le village <strong>Hogeweyk<\/strong> est une r\u00e9f\u00e9rence mondiale pour Alzheimer. En Autriche, certaines r\u00e9sidences misent sur la convivialit\u00e9 (ateliers brassage de bi\u00e8re !).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>La CFE : votre couverture sant\u00e9 \u00e0 l\u2019international<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour partir sereinement \u00e0 la retraite \u00e0 l\u2019\u00e9tranger, <a href=\"https:\/\/carexpat.com\/blog\/protection-sociale-et-cfe\/\">la <strong>Caisse des Fran\u00e7ais de l\u2019\u00c9tranger<\/strong><\/a><strong> (CFE)<\/strong> est un alli\u00e9 incontournable. Cet organisme permet aux expatri\u00e9s de <strong>continuer \u00e0 b\u00e9n\u00e9ficier d\u2019une couverture sant\u00e9 \u201c\u00e0 la fran\u00e7aise\u201d<\/strong>, quel que soit le pays de r\u00e9sidence. En souscrivant \u00e0 la CFE, vous \u00eates couvert pour les soins m\u00e9dicaux, l\u2019hospitalisation, et m\u00eame le rapatriement si n\u00e9cessaire. Elle constitue la base sur laquelle vous pouvez compl\u00e9ter une <strong>assurance sant\u00e9 internationale priv\u00e9e<\/strong>, adapt\u00e9e \u00e0 vos besoins sp\u00e9cifiques et \u00e0 votre pays de r\u00e9sidence. La CFE facilite \u00e9galement l\u2019acc\u00e8s aux remboursements de soins \u00e0 distance, simplifie les d\u00e9marches administratives et assure la continuit\u00e9 de vos droits, tout en vous permettant de rester en r\u00e8gle avec la l\u00e9gislation fran\u00e7aise.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Astuce Carexpat<\/strong> : combinez la CFE avec une assurance internationale compl\u00e8te pour profiter d\u2019une couverture optimale, notamment si vous r\u00e9sidez dans un pays o\u00f9 le syst\u00e8me de sant\u00e9 local est limit\u00e9 ou co\u00fbteux.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4 conseils d&rsquo;experts pour une expatriation r\u00e9ussie<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Le test \u00ab\u00a0grandeur nature\u00a0\u00bb :<\/strong> Louez un logement 3 mois dans le pays vis\u00e9 (hors saison touristique) avant de vendre votre r\u00e9sidence principale en France.<\/li>\n\n\n\n<li><strong>Le r\u00e9seau local :<\/strong> Int\u00e9grez des groupes d&rsquo;expatri\u00e9s (UFE, ADFE) pour b\u00e9n\u00e9ficier de retours d&rsquo;exp\u00e9rience concrets sur l&rsquo;administration locale.<\/li>\n\n\n\n<li><strong>L&rsquo;apprentissage de la langue :<\/strong> M\u00eame rudimentaire, parler la langue locale change radicalement votre accueil et votre int\u00e9gration sociale.<\/li>\n\n\n\n<li><strong>Le dossier m\u00e9dical :<\/strong> Partez avec votre dossier complet num\u00e9ris\u00e9 et traduit si n\u00e9cessaire.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Votre d\u00e9part \u00e0 l\u2019\u00e9tranger pour votre retraite<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prendre sa retraite \u00e0 l\u2019\u00e9tranger en 2026 est une opportunit\u00e9 unique de r\u00e9inventer son quotidien. Si le cadre de vie fait r\u00eaver, la p\u00e9rennit\u00e9 de votre projet repose sur une <strong>organisation financi\u00e8re solide<\/strong> et une <strong>protection sant\u00e9 sur mesure<\/strong>. Besoin d&rsquo;un devis pour votre future couverture sant\u00e9 internationale ? <a href=\"https:\/\/carexpat.com\/assurance-sante\/expatrie-senior\" target=\"_blank\" rel=\"noreferrer noopener\">Comparez les meilleures offres avec Carexpat.f<\/a>r et partez l&rsquo;esprit tranquille.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous envisagez de franchir le pas en 2026 ? Partir \u00e0 la retraite \u00e0 l\u2019\u00e9tranger est un projet de vie audacieux qui s\u00e9duit de plus en plus de Fran\u00e7ais. Au 31 d\u00e9cembre 2024, ils \u00e9taient d\u00e9j\u00e0 plus d\u2019un million (soit 7,1 % des retrait\u00e9s) \u00e0 avoir choisi l\u2019expatriation pour savourer leur nouvelle libert\u00e9. Que vous [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":30061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11],"tags":[52,59],"class_list":["post-30059","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","tag-retraite","tag-senior"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prendre sa retraite \u00e0 l\u2019\u00e9tranger en 2026 : guide pratique complet<\/title>\n<meta name=\"description\" content=\"Pr\u00e9parez votre retraite \u00e0 l\u2019\u00e9tranger en 2026 : choix du pays, fiscalit\u00e9, sant\u00e9, d\u00e9marches et budget pour une expatriation r\u00e9ussie.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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