Top 10 Countries To Retire Abroad For British In 2026

Last Updated on February 1, 2026 by Emily Hopkins

It doesn’t take much motivation to start exploring the top countries to retire abroad, especially for British expats ready for a change from life in the UK. Retirement is your opportunity to enjoy the years ahead without the pressures of work-related responsibilities. That’s why you should carefully consider your choice of destination abroad, focusing on the best options available.

With this opportunity, you welcome a new lifestyle you haven’t experienced before. And the numbers speak for themselves. According to the BBC News, about 5.5 million Brits live abroad, including pensioners and retirees enjoying their stay. British retirees are increasingly seeking alternative destinations. Especially ones that offer a comfortable and fulfilling lifestyle and a favorable environment for their golden years.

As 2026 unfolds, many countries are drawing attention with their scenic landscapes, affordable living, and vibrant cultures. In this guide, we highlight the top 10 destinations that stand out as especially appealing for British retirees. Tag along as we explore the best options for retiring abroad from the UK.

Why do the British retire abroad?

For the British, deciding to retire abroad is often an individual choice prompted by unique motivations. However, while that is true, let’s take a look at some common reasons that contribute to many Britons retiring abroad.

The first and perhaps most compelling reason is the weather. Let’s be honest: the UK is well known for its grey skies and unpredictable climate. For many retirees, the opportunity to enjoy warmer temperatures and more consistent sunshine is a major motivation for moving abroad. Leaving behind long, gloomy winters in favor of brighter, milder days can significantly enhance overall well-being and quality of life.

Another common reason for retiring abroad is the cost of living. It is common for retirees to relocate to countries with a lower cost of living, all in a bid to enjoy a more comfortable lifestyle.

Something else worth mentioning is that access to quality healthcare is a critical consideration for retirees. Some countries offer excellent healthcare services at a fraction of the cost compared to the UK, making healthcare a compelling factor in the decision to retire abroad.

Although it’s not often discussed, the desire for a slower pace of life is a major reason many Brits choose to move abroad. Retirement is often seen as a chance to step away from the rush, settle somewhere peaceful, and enjoy a more relaxed and fulfilling lifestyle. So, can they live in Portugal with their UK state pension?

• Read Also: How To Move From The UK To Portugal

The Best Countries To Retire Abroad For British

Portugal

For the past few years, Portugal has remained a popular choice among tourists and retirees alike. This small country in southwestern Europe consistently ranks among the top retirement destinations for several compelling reasons. One of its biggest attractions for retirees from around the world is the weather, with mild winters, long summers, and abundant sunshine throughout much of the year.

Portugal boasts a Mediterranean climate, which means mild, wet winters and hot, dry summers. The southern regions, such as the Algarve, are particularly famous for their pleasant weather. You might not know this, but some parts of the country experience up to 300 days of sunshine per year.

Other than the climate, the beauty of Portugal is undoubtedly one of the significant reasons why retirees choose to retire in this charming country. The landscapes, historic sites, and overall aesthetic appeal contribute to Portugal’s allure for expatriates.

Something else that makes Portugal a good candidate for Brits is the affordable cost of living. According to data from Numbeo, the cost of living in the United Kingdom is significantly higher than in Portugal, making daily expenses more expensive for anyone considering a move.

On average, the cost of living in the UK is about 39.4% higher than in Portugal when rent is excluded. When rent is included, overall living costs in the UK are still around 37.2% higher.

Housing is also more expensive, with rent prices in the United Kingdom being approximately 32.0% higher than in Portugal. Eating out adds even more to the difference, as restaurant prices in the UK are about 56.9% higher compared to Portugal, which can noticeably impact monthly budgets.

Besides beauty and the climate, Brits love Portugal because of the Golden visa program. Although this program has experienced several changes over the years, it has been one of the top draws for retirees seeking residency.

• Read Also: What The British Need To Know About Portugal

Spain

Other than Portugal, Spain is another popular destination for British expats to retire abroad. Data from Epdata indicates that over 300,000 Brits live in Spain as of 2022. It is worth mentioning that Spain is also the top holiday destination for families in the UK. It doesn’t come as a surprise that it is also a top destination for the retirement phase of their lives.

So why is Spain so popular among the Brits? Compared to Spain, the cost of living in the UK is about 31.4% higher when rent is excluded and around 33.6% higher when rent is included. Rent prices in the United Kingdom are also roughly 39.5% higher than in Spain, while restaurant prices are about 31.1% higher, making everyday life noticeably more affordable across the Channel, per Numbeo.

Spain’s Mediterranean climate is a major draw for Brits seeking sunnier and milder weather. The country enjoys hot, dry summers and mild winters, starkly contrasting the often gloomy and damp weather in the United Kingdom.

Spain is also renowned for its high quality of life. The emphasis on leisurely living, a strong sense of community, and a laid-back atmosphere appeal to retirees looking to enjoy a more relaxed pace of life during their retirement.

Lastly, Spain is renowned for its beauty and expansive coastline, home to numerous pristine beaches. Coastal regions such as the Costa del Sol and Costa Blanca are especially popular among British retirees, thanks to their picturesque scenery and wide range of beachside activities.

If you want to move to Spain, explore more info on Viv Europe’s website, and feel free to contact our immigration consultants. 

Costa Rica

So far, a beautiful landscape and nice sandy beaches appear to be a staple for British retirees considering relocating abroad. Something unique that Costa Rica has to offer is incentives when it comes to taxation.

Unlike other nations, retirees do not pay income tax when it comes to foreign pensions. Coupled with the fact that the cost of living is lower than in the UK, Costa Rica remains a good option for retiring on a budget.

The cost of living is about 23.7% lower than in the United Kingdom when rent is excluded and around 27.5% lower when rent is included. Rent prices in Costa Rica are also approximately 37.5% lower than in the UK, which further reduces monthly expenses for retirees, data from Numbeo.

This country is also known for its forward-thinking environmental policy that has played a big role in maintaining its stunning rainforest and coastline. Although English is not the official language, it is widely spoken among the locals, making it easier for retirees to integrate into the community.

• Must the British continue to pay UK tax when in Portugal? Check out more about the Portugal Tax System: Easy breakdown for expats.

France

For the Brits who don’t mind a touch of elegance and sophistication, France remains a top choice for retirement. Living in the romantic city of Paris is a dream come true for many. Think about dining in one of the most beautiful restaurants in Paris or enjoying afternoon strolls through the Louvre.

From a financial perspective, living in France can also be slightly more affordable than in the United Kingdom, as the cost of living is about 0.6% lower when rent is excluded and around 9.0% lower when rent is included, while rent prices in France are approximately 31.0% lower than in the UK.

One thing that Brits love is good scenery and landscape. France boasts diverse and picturesque landscapes, from Bordeaux’s vineyards to Provence’s lavender fields.

The variety of environments allows retirees to choose a setting that suits their preferences, whether it’s the tranquillity of the countryside or the vibrancy of coastal towns.

One distinctive advantage of France is its close geographical proximity to the United Kingdom. Short travel times and well-established transport links, including the Eurostar and regular ferry services, make it convenient for retirees to travel back and forth to visit family and friends in the UK.

The emphasis on a high quality of life in France, characterized by a slower pace, a focus on leisure, and a strong sense of community, appeals to retirees seeking a more relaxed retirement lifestyle.

Australia

How about retiring to an English-speaking country located on the other side of the world? Despite the distance between the UK and Australia, this country had to make the list of the top countries to retire abroad for British.

One thing that Australia promises all expats is a good quality of life that also includes a great work-life balance. It’s worth noting that the cost of living in Australia is slightly higher than in the United Kingdom. Everyday expenses are about 2.8% higher when rent is excluded and around 4.0% higher when rent is included.

In spite of this, many retirees feel the lifestyle benefits more than make up for the difference. Rent prices are also around 7.2% higher than in the UK, but this is often balanced by access to excellent public services, clean cities, and high living standards.

The country’s emphasis on work-life balance, outdoor activities, and a generally laid-back lifestyle makes it an attractive destination for retirees looking to enjoy their golden years.

Australia offers stunning landscapes and iconic landmarks, such as the Great Barrier Reef, Uluru, and the Sydney Opera House, making it a haven for outdoor enthusiasts.

There are plenty of outdoor activities you can engage in, for instance, hiking, water sports, and wildlife exploration, perfect for an active and nature-oriented lifestyle. Also, Australia is known for its political stability, low crime rates, and overall safety. For retirees, a sense of security is an important consideration when choosing a destination for their retirement years.

New Zealand

New Zealand has gained popularity as a retirement destination for UK nationals for various reasons. The country’s unique combination of natural beauty, quality of life, and welcoming atmosphere makes it an attractive choice for those seeking a new chapter in their retirement.

From a financial perspective, New Zealand can also be more affordable than the United Kingdom. The cost of living is approximately 8.9% lower than in the UK when rent is excluded and around 11.0% lower when rent is included. Rental prices are roughly 16.5% more affordable, while restaurant prices are about 16.4% lower. These savings can make a meaningful difference for retirees, allowing them to manage daily expenses more comfortably and stretch their retirement income further.

The diverse and picturesque scenery gives retirees a breathtaking backdrop to their daily lives. Like Australia, New Zealand is an English-speaking country. This language compatibility simplifies communication for UK retirees, eliminating language barriers and making the transition to a new country smoother.

For retirees seeking a break from the hustle and bustle of city life, New Zealand offers a peaceful and less crowded alternative. Its small towns and rural areas provide tranquillity and a slower pace of life. Integrating into the local community is rarely a challenge, as New Zealanders, or “Kiwis,” are known for their friendly and welcoming nature.

Thailand

Another great destination that made this list is Thailand. Formerly a renowned backpacking destination, this country has done a lot over the years to earn its place on the world’s map of the greatest retirement destinations.

Thailand offers a unique combination of stunning landscapes and a comfortable, even luxurious, lifestyle for those who appreciate sophistication. Living in Thailand means enjoying vibrant culture, lush greenery, and a low cost of living. A key advantage for retirees is that their pension can go much further than it would in the UK, allowing for a more comfortable and fulfilling retirement.

Therefore, you will be able to live a better life, not to mention afford other luxuries that you would otherwise not have. The friendly locals, delicious cuisine, and numerous cultural attractions make Thailand an exciting choice for adventurous retirees.

• You might want to look into private health insurance as an expat in Portugal. Learn more: Health Insurance in Portugal: Top options for you.

Panama

Like its neighbor Costa Rica, Panama is another good alternative for the Brits who want to retire in South America. Several factors make the country appealing as a retirement haven, catering to retirees’ preferences and needs.

The cost of living in the United Kingdom is about 52.7% higher than in Panama when excluding rent, and around 49.0% higher when including rent.

Rent prices in the UK are also roughly 40.0% higher than in Panama according to Numbeo. Restaurant prices are about 75.4% higher, making everyday life significantly more affordable in Panama.

First and foremost, the Pensionado Program. Panama offers a special visa program called the “Pensionado” program, which provides various benefits to retirees.

Qualifying individuals, including foreigners, can enjoy discounts on various expenses, such as healthcare, entertainment, and transportation. Panama also has enticing tax incentives for retirees that most countries often don’t have.

Panama does not tax foreign-earned income, and it imposes no capital gains taxes on real estate transactions. This can result in significant savings for retirees, especially those with pensions or investment income.

When it comes to weather, Panama’s tropical climate is especially appealing to retirees seeking warmth and sunshine. The country experiences distinct wet and dry seasons, creating a variety of climates depending on the region. Coastal areas along the Pacific and Caribbean coasts provide the added allure of beachside living under a tropical sun.

Canada

If you prefer a more temperate climate and distance from home isn’t a concern, Canada might be an excellent option for your retirement. The country boasts renowned natural attractions such as Niagara Falls, Moraine Lake, and Ellesmere Island, providing a distinct and captivating change of scenery compared to the UK.

Renowned for their exceptional friendliness, Canadians primarily speak English and French. Once you obtain permanent residency, you become eligible for government-sponsored healthcare, which typically becomes available after a three-month waiting period.

Whether it’s the cosmopolitan vibe of Toronto or the breathtaking landscapes of British Columbia, retirees can find diverse experiences in the Great White North.

Italy

Italy’s timeless charm, delicious cuisine, and diverse landscapes make it an attractive destination for retirees. From the rolling hills of Tuscany to the coastal beauty of the Amalfi Coast, Italy offers a slower pace of life and a warm welcome to expats.

When it comes to the cost of living, Italy is cheaper than the UK. The cost of living in the United Kingdom is about 10.6% higher than in Italy when rent is excluded. On the other hand, the cost of living, inclusive of rent, is about 20.6% higher.

Rent prices in the UK are approximately 57.7% higher than in Italy, while restaurant prices are about 13.6% higher. This can make everyday expenses more manageable for retirees in many parts of Italy.

Italy should be among your top retirement destinations this year if a great culture, fantastic cuisine, and excellent weather are anything to go by. When it comes down to the cost of living, Italy is cheaper than the UK. However, the larger cities like Milan, Rome, and Bologna are fairly expensive.

How can a British retire in Portugal or Spain?

Retiring in Portugal or Spain as a British citizen involves a few key steps, primarily related to residency and legal requirements. While both countries have different processes, they are relatively similar.

To retire in Portugal, you need to establish your residency. This can be done through various residency programs, such as the D7 Visa, which is suitable for retirees with sufficient passive income.

Spain provides multiple residency options for retirees, including the Non-Lucrative Visa and the Golden Visa. The Non-Lucrative Visa is ideal for those who do not plan to work in Spain, whereas the Golden Visa requires making a qualifying investment in the country.

For both countries, you must submit your application to the embassy or consulate in your home country. The process can take several months, so starting well before your planned retirement date is advisable.

• Read Also: Complete Guide To Retire In Portugal In 2024.

Documents needed

The documents required for retiring in Portugal or Spain can vary depending on the type of residency visa or permit you are applying for. However, applicants commonly need the following documents when applying for retirement in both countries:

• Proof of stable and regular passive income (pensions, investments, or rental income);
• Bank statements;
• Proof of health insurance;
• Criminal record certificates;
• Valid Passport.

Do you need help retiring in Portugal or Spain?

There you have it, our top 10 countries to retire abroad for British. If you have gotten this far, we hope that this post has helped you get closer to deciding where to retire.

That said, Portugal and Spain continue to be among the most attractive destinations for UK expats. Retiring in either country doesn’t have to remain just an aspiration; careful planning and following the right steps can make it a tangible reality.

To initiate the Retirement Visa process and receive assistance from relocation specialists, Schedule a Call with Viv Europe! Let us handle the intricacies of your Visa application. This includes accommodation, legal matters, and everything else, allowing you to unwind and trust the process.

And if you wish to learn from others’ experiences, join our Facebook Group – All About Portugal For Expats. Ask questions and read stories of British expats who have already made the move. See you soon!