{"id":30064,"date":"2026-01-19T09:29:00","date_gmt":"2026-01-19T07:29:00","guid":{"rendered":"https:\/\/carexpat.com\/blog\/?p=30064"},"modified":"2026-01-02T16:43:16","modified_gmt":"2026-01-02T14:43:16","slug":"retire-abroad-in-2026-a-practical-guide","status":"publish","type":"post","link":"https:\/\/carexpat.com\/blog\/en\/retire-abroad-in-2026-a-practical-guide\/","title":{"rendered":"Retire abroad in 2026: a practical guide"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Thinking of taking the plunge in 2026? <a href=\"https:\/\/carexpat.com\/blog\/retraite-a-l-etranger\/\" target=\"_blank\" rel=\"noreferrer noopener\">Retiring abroad<\/a> is a daring life project that is attracting more and more French people. By December 31, 2024, over one million of them (or 7.1% of retirees) had already chosen expatriation to savor their new-found freedom. Whether you&rsquo;re looking for low taxes, a sunny climate or a low cost of living, a successful move requires careful preparation.<\/p>\n\n\n<h2 class=\"wp-block-heading\"><strong>Where do French retirees settle abroad?<\/strong><\/h2>\n\n\n<p class=\"wp-block-paragraph\">Choosing your destination is the first step in your adventure. While Europe remains a safe bet for its proximity, Africa and North America also attract many profiles.<\/p>\n\n\n<h3 class=\"wp-block-heading\"><strong>Top 10 current destinations :<\/strong><\/h3>\n\n\n<p class=\"wp-block-paragraph\">According to the latest statistics, the French retired population breaks down as follows:<\/p>\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Country<\/strong><\/td><td><strong>Number of pensioners<\/strong><\/td><td><strong>Main asset<\/strong><\/td><\/tr><tr><td><strong>Algeria<\/strong><\/td><td>334 669<\/td><td>Reversionary pensions \/ Returning home<\/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>Taxation and living environment<\/td><\/tr><tr><td><strong>Spain<\/strong><\/td><td>147 966<\/td><td>Infrastructure and proximity<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Italy &amp; Morocco:<\/strong> Between 61,000 and 62,000 residents, appreciated for their culture and cost of living.<\/li>\n\n\n\n<li><strong>Belgium &amp; Germany:<\/strong> Chosen for economic stability and geographical proximity.<\/li>\n\n\n\n<li><strong>Switzerland &amp; Canada:<\/strong> Premium destinations offering excellent quality of life and medicine.<\/li>\n<\/ul>\n\n\n<p class=\"wp-block-paragraph\">An interesting fact is that, overall, retired expatriates are older than those who remain in France. <strong>37% of them are between 80 and 89 years old<\/strong>, proving that expatriation is a very long-term, sustainable project.<\/p>\n\n\n<h2 class=\"wp-block-heading\"><strong>Administrative procedures: looking ahead to 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<h3 class=\"wp-block-heading\"><strong>1. Residence formalities (Visas)<\/strong><\/h3>\n\n\n<p class=\"wp-block-paragraph\">Each country imposes its own rules. For EU citizens, <strong>Portugal<\/strong> offers great freedom (simple CRUE registration after 3 months). Outside Europe, the procedures are more complicated:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>EU (Portugal, Spain, Italy):<\/strong> freedom of residence up to 3 months, registration with CRUE or local register beyond that.<\/li>\n\n\n\n<li><strong>Senegal:<\/strong> Obtaining a foreigner&rsquo;s identity card is compulsory.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/carexpat.com\/blog\/expatriation-bresil\/\">Brazil <\/a>:<\/strong> A special visa is available for retirees over 60.<\/li>\n\n\n\n<li><strong>Malaysia:<\/strong> The \u00ab\u00a0Malaysia My Second Home\u00a0\u00bb (MM2H) program is ideal for affluent senior citizens.<\/li>\n\n\n\n<li><strong>Australia<\/strong>: Retirement Visa available, conditions depend on age and income.<\/li>\n<\/ul>\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Taxation: avoiding double taxation<\/strong><\/h3>\n\n\n<p class=\"wp-block-paragraph\">Don&rsquo;t leave without checking the existence of a tax treaty between France and your host country.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>In Morocco or Senegal:<\/strong> Significant reductions (up to 80%) may apply to your pension if you become a tax resident.<\/li>\n\n\n\n<li><strong>In Canada:<\/strong> All income is taxable locally, but tax credits avoid paying twice for the same income.<\/li>\n<\/ul>\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Country<\/strong><\/td><td><strong>Taxation of French pensions<\/strong><\/td><td><strong>Special features<\/strong><\/td><\/tr><tr><td>Morocco<\/td><td>Deductions up to 80<\/td><td>Tax advantages for retirees<\/td><\/tr><tr><td>Senegal<\/td><td>Possible allowance for pensions<\/td><td>Tax residents only<\/td><\/tr><tr><td>Canada<\/td><td>All taxable income<\/td><td>Tax credit to avoid double taxation<\/td><\/tr><tr><td>Switzerland<\/td><td>Local taxation on pensions<\/td><td>Mandatory declaration for principal residence<\/td><\/tr><tr><td>Portugal<\/td><td>Partial taxation possible<\/td><td>Depending on tax treaty and length of stay<\/td><\/tr><tr><td><a href=\"https:\/\/carexpat.com\/blog\/expatriation-etats-unis\/\">United States<\/a><\/td><td>State taxation<\/td><td>Check bilateral tax treaties<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<h2 class=\"wp-block-heading\"><strong>Budget and cost of living: assessing your needs<\/strong><\/h2>\n\n\n<p class=\"wp-block-paragraph\">Purchasing power is often the driving force behind departure, but the differences from one country to another are abysmal:<\/p>\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Destination<\/strong><\/td><td><strong>Estimated average budget (Couple)<\/strong><\/td><td><strong>Comparison vs. France<\/strong><\/td><\/tr><tr><td><strong>Algeria<\/strong><\/td><td>~ 800 \u20ac &#8211; 1 000 \u20ac<\/td><td>-57 %<\/td><\/tr><tr><td><strong>Portugal (Lisbon)<\/strong><\/td><td>1 500 \u20ac &#8211; 2 000 \u20ac<\/td><td>Equivalent to the province<\/td><\/tr><tr><td><strong>South Africa<\/strong><\/td><td>~ 1 300 \u20ac<\/td><td>-40 %<\/td><\/tr><tr><td><strong><a href=\"https:\/\/carexpat.com\/blog\/expatriation-suisse\/\">Switzerland<\/a><\/strong><\/td><td>3 680 \u20ac &#8211; 4 600 \u20ac<\/td><td>Very expensive<\/td><\/tr><tr><td><strong>United States<\/strong><\/td><td>&gt; 4 000 \u20ac<\/td><td>Varies by state<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p class=\"wp-block-paragraph\"><strong>Carexpat tip:<\/strong> Always plan for an emergency fund and take local inflation into account to keep your retirement comfortable over 20 years.<\/p>\n<\/blockquote>\n\n\n<h2 class=\"wp-block-heading\"><strong>Receiving your retirement pension abroad<\/strong><\/h2>\n\n\n<p class=\"wp-block-paragraph\">The good news is that you can draw your French pension anywhere in the world. However, there are two strict requirements:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Report your change of residence<\/strong> to your pension fund (CNAV, Agirc-Arrco).<\/li>\n\n\n\n<li><strong>Provide an annual life certificate:<\/strong> This is proof that you are still a beneficiary.<\/li>\n<\/ol>\n\n\n<p class=\"wp-block-paragraph\"><strong>Innovation 2026:<\/strong> Since the end of 2024, the <strong>\u00ab\u00a0Mon certificat de vie\u00a0\u00bb<\/strong> application has enabled you to validate this process via your smartphone. Note that from <strong>January 1, 2028<\/strong>, biometric recognition will become the norm to further simplify this process.<\/p>\n\n\n\n<div class=\"wp-block-divi-layout\"><h2>carexpat.com, the new way to<br \/><span style=\"color: #15203d\">abroad<\/span><\/h2><h3><span style=\"color: #DBDB19;font-size: 22px\">1.<\/span> Best prices<\/h3>\n<ul>\n<li>No surcharge on insurance rates,<br \/>\nwe compare over 300 insurance offers<\/li>\n<\/ul><h3><span style=\"color: #DBDB19;font-size: 22px\">2.<\/span> Simplicity<\/h3>\n<ul>\n<li>A simple path to select your<br \/>\nsolution in just a few clicks<\/li>\n<\/ul><h3><span style=\"color: #DBDB19;font-size: 22px\">3.<\/span> Support<\/h3>\n<ul>\n<li>Our advisors provide<br \/>\n100% personalized support<\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Healthcare abroad: the cornerstone of your project<\/strong><\/h2>\n\n\n<p class=\"wp-block-paragraph\">This is where your project can succeed or fail. Health cover is the most complex element to manage.<\/p>\n\n\n<h3 class=\"wp-block-heading\"><strong>Bilateral agreements<\/strong><\/h3>\n\n\n<p class=\"wp-block-paragraph\">France has signed agreements with many countries (USA, Canada, etc.) to coordinate entitlements. This ensures that you don&rsquo;t lose any contribution quarters, and facilitates access to care.<\/p>\n\n\n<h3 class=\"wp-block-heading\"><strong>Quality of care and local structures<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Switzerland &amp; South Korea:<\/strong> Medical excellence, but very high prices. Private international insurance is essential.<\/li>\n\n\n\n<li><strong>Colombia &amp; Ecuador:<\/strong> High-performance, affordable systems in major cities, but medical deserts in rural areas.<\/li>\n\n\n\n<li><strong>Retirement homes:<\/strong> If you&rsquo;re anticipating a loss of autonomy, remember that models vary. In the Netherlands, the <strong>Hogeweyk<\/strong> village is a world leader in Alzheimer&rsquo;s care. In Austria, some residences focus on conviviality (beer-brewing workshops!).<\/li>\n<\/ul>\n\n\n<h3 class=\"wp-block-heading\"><strong>CFE: your international health cover<\/strong><\/h3>\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/carexpat.com\/blog\/protection-sociale-et-cfe\/\">The <strong>Caisse des Fran\u00e7ais de l&rsquo;\u00c9tranger<\/strong><\/a><strong> (CFE)<\/strong> is an essential ally when it comes to retiring abroad with peace of mind. This organization enables expatriates to <strong>continue to benefit from \u00ab\u00a0French-style\u00a0\u00bb health cover,<\/strong> whatever their country of residence. By subscribing to CFE, you are covered for medical care, hospitalization, and even repatriation if necessary. It forms the basis on which you can supplement <strong>private international health insurance<\/strong>, tailored to your specific needs and country of residence. CFE also facilitates remote access to healthcare reimbursements, simplifies administrative procedures and ensures continuity of your rights, while keeping you in line with French legislation.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p class=\"wp-block-paragraph\"><strong>Carexpat tip<\/strong>: combine CFE with a comprehensive international insurance policy for optimum coverage, especially if you live in a country with a limited or expensive local healthcare system.<\/p>\n<\/blockquote>\n\n\n<h2 class=\"wp-block-heading\"><strong>4 expert tips for a successful expatriation<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>The \u00ab\u00a0life-size\u00a0\u00bb test:<\/strong> Rent a property for 3 months in the target country (outside the tourist season) before selling your main residence in France.<\/li>\n\n\n\n<li><strong>Local networks:<\/strong> Join expatriate groups (UFE, ADFE) to benefit from concrete feedback on local administration.<\/li>\n\n\n\n<li><strong>Learning the language:<\/strong> Even a rudimentary knowledge of the local language will radically change your welcome and your social integration.<\/li>\n\n\n\n<li><strong>Medical records:<\/strong> Take your complete medical records with you, scanned and translated if necessary.<\/li>\n<\/ol>\n\n\n<h2 class=\"wp-block-heading\"><strong>Retirement abroad<\/strong><\/h2>\n\n\n<p class=\"wp-block-paragraph\">Retiring abroad in 2026 is a unique opportunity to reinvent your daily life. While the living environment is a dream, the long-term viability of your project depends on <strong>solid financial organization<\/strong> and tailor-made <strong>health cover<\/strong>. Need a quote for your future international health cover? <a href=\"https:\/\/carexpat.com\/assurance-sante\/expatrie-senior\" target=\"_blank\" rel=\"noreferrer noopener\">Compare the best offers with carexpat.com<\/a>and leave with peace of mind.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thinking of taking the plunge in 2026? Retiring abroad is a daring life project that is attracting more and more French people. By December 31, 2024, over one million of them (or 7.1% of retirees) had already chosen expatriation to savor their new-found freedom. Whether you&rsquo;re looking for low taxes, a sunny climate or a [&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":[356],"tags":[632,498],"class_list":["post-30064","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","tag-retirement","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>Retire abroad in 2026: a complete practical guide<\/title>\n<meta name=\"description\" content=\"Prepare for your retirement abroad in 2026: choice of country, taxation, health, procedures and budget for a successful expatriation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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