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Europe · 2026 Edition
Retiring and Relocating to Europe: The Complete Guide
Portugal, Spain, Greece, Italy, France, Cyprus and Malta, compared honestly. What each residence route actually requires, how a retiree is actually taxed in each, and what the official statistics say about how this usually goes. Seventy-nine pages, every figure traced to a primary source and dated 12 August 2026.
Fifteen chapters covering the seven principal European retirement routes: the Portuguese D7, the Spanish non-lucrative visa, the Greek financially independent person visa, the Italian elective residence visa, the French long-stay visitor visa, Cyprus Category F and Maltese ordinary residence. Two worked tax scenarios with the arithmetic shown band by band, a twelve-question self-assessment, a statistics chapter drawn entirely from Eurostat, national statistics offices and government publications, a glossary and eighteen frequently asked questions.
This edition is candid about what changed. Portugal raised its naturalisation minimum from five years to ten in May 2026 and left pensions outside the regime that replaced non-habitual residence. Together those make Portugal, for a typical British retired couple, the most expensive of the four principal destinations rather than the cheapest. The guide shows that arithmetic rather than asserting it.
Prefer to read online? The full text is published here.
