ExpatCompass
🇬🇧 UK Expats 🇺🇸 US Expats 🇦🇺 Australian Expats
🇬🇧 For UK expats · Also: 🇺🇸 US & 🇦🇺 AU

Clear money guidance for life abroad.

Honest, jargon-free calculators that help you understand your tax, your pension, and the fees that quietly eat your savings — so you can make confident decisions wherever you live.

Try the free tools See what hidden fees cost
No login, no spam 2025/26 UK figures Instant results 30 free calculators
A young family unpacking moving boxes in their bright new home abroad
A young professional family arriving at the airport as they relocate abroad
Protect your pension

Before you move your pension, run the numbers.

Some offshore "advisers" charge large upfront commissions and yearly fees that can quietly wipe out a sizeable chunk of your retirement. Our calculator shows you — in plain pounds — exactly what those fees could cost you over time.

No firm names. No scare tactics. Just the maths, so you can ask better questions.

Check the fee impact
Not sure where to start?

Answer 3 questions, get your starting plan

Tell us where you are in your journey and we'll line up the right tools, in the right order.

Or browse all 178 tools →
Free & instant · 30 calculators

Your UK expat journey — step by step

Every tool you need from first thoughts to life abroad. Organised by where you are in your journey. No sign-up, no spam — just answers.

1

Am I ready to go?

Research, compare and reality-check before you commit

Free

Country Guides

Top retirement and digital nomad destinations — tax rates, visa options and the key things UK expats need to know.

Explore countries → Free

Cost of Living Calculator

Compare monthly costs in 18 international cities and find the salary you'd need to match your UK lifestyle abroad.

Compare cities → Free

Double Taxation Checker

Will you be taxed twice? Check the UK's DTA with your country — see exactly which country taxes your salary, pension and savings.

Check your DTA → Free

Emergency Fund Calculator

How big should your expat emergency fund be? Calculate the right cushion for your country, health cover and family situation.

Calculate cushion → Free

Healthcare Cost Estimator

How much will private health insurance cost abroad? Compare typical premiums for your age, destination and cover level.

Estimate costs → Free

Visa Eligibility Checker

Which visa routes are available to you? Quick-check retirement, digital nomad and residency visas for 20+ popular destinations.

Check visas → Free

Net Worth Tracker

Know exactly where you stand. Enter your assets and liabilities for a clear net worth snapshot — in GBP or your local currency.

Track net worth →
2

Planning my move

Timing, tax and property decisions before you leave

Free

Departure Date Optimiser

What's the best date to leave the UK? See how your departure timing affects your tax bill — including split-year and bonus timing.

Optimise your date → Free

UK Days Abroad Counter

Track exactly how many days you've spent in the UK this tax year — and see where you stand against HMRC's SRT day-count thresholds.

Track your days → Free

Am I UK Tax Resident?

A 3-question check based on the HMRC automatic residence tests. A taster of the full SRT.

Open calculator → Free

CGT on UK Property

Selling a UK property while abroad? Estimate your Capital Gains Tax — with PPR relief, the 60-day reporting rule, and 2025/26 rates.

Estimate CGT → Free

Sell or Rent My Home?

Compare the financial outcome of selling your UK home vs. letting it while abroad. Includes tax, management costs and capital growth.

Compare outcomes → Free

Moving Cost Calculator

Shipping, flights, visa fees, temporary accommodation — budget every moving expense before you commit.

Budget your move → Free

Rent vs Buy Abroad

Should you rent or buy in your new country? Model purchase costs, rental yields, currency risk and your break-even point.

Model the decision →
3

Pension & money

Protect and grow your wealth across borders

Free

State Pension Forecast

Estimate your weekly UK State Pension from your National Insurance qualifying years.

Open calculator → Free

NI Top-Up Checker

Could buying voluntary National Insurance years boost your pension? See the payback period.

Open calculator → Free

Pension Fee Impact

See how much of your retirement pot disappears to adviser and product fees over the years.

Open calculator → Free

Pension Access Age

When can you access your UK pension? The minimum age rises from 55 to 57 in 2028. Find your exact access dates and countdown.

Find your dates → Free

UK Take-Home Pay

Turn a gross salary into real monthly take-home after income tax and National Insurance.

Open calculator → Free

Currency & Remittance Cost

How much does sending money abroad really cost? Compare Wise, OFX, Currencies Direct and high-street banks side by side.

Compare providers → Free

State Pension Deferral Calculator

Should you defer your State Pension while abroad? See how long you need to live to break even on the higher payments.

Calculate deferral → Free

Pension Lifetime Allowance Check

The LTA was abolished but a new £1.073m Lump Sum Allowance applies. Check your pension pot against the new limits.

Check allowance → Free

ISA Abroad — What Happens?

You can keep your ISA when you leave the UK, but you can't pay in new money. Understand what happens to your tax-free savings wrapper.

Check ISA rules →
4

Ongoing abroad

Tax, property and compliance once you're settled

Free

Rental Tax (Non-Resident)

Kept a UK property? Calculate the income tax you owe as a non-resident landlord — including NRLS rules and allowable expenses.

Calculate rental tax → Free

Inheritance Tax Estimate

A quick read on whether your estate might face UK inheritance tax — and roughly how much.

Open calculator → Free

Foreign Income Checker

Do you need to declare foreign income to HMRC? Run a quick check — employment, dividends, pensions and rental income from abroad.

Check your income → Free

Child Benefit Abroad

What happens to your Child Benefit when you leave the UK? Check entitlement rules, the High Income Charge and export eligibility.

Check entitlement → Free

International Health Insurance Guide

What should expat health insurance actually cover? Use this guide to compare policy types, exclusions and the questions to ask providers.

Compare cover → Free

QROPS Eligibility Checker

Is a QROPS / ROPS transfer right for you? Check the key eligibility criteria, the overseas transfer charge and red flags to watch for.

Check eligibility → Free

Annual Filing Checklist

Never miss a UK tax deadline abroad. Interactive checklist covering Self Assessment, NRLS, CGT reporting and Companies House deadlines.

Open checklist →
Premium · deeper analysis · 30 tools

The big decisions, done properly

Save real money on the complex stuff. These guided tools use your saved profile to give detailed, personalised guidance on the decisions that matter most.

1

Is this the right move for me?

Deep-dive research and personalised destination analysis

Free preview

Tax & Savings Health Check

A self-assessment that scans your situation and finds the savings you're missing — your money MOT.

Try the preview → Premium

Destination Tax Planner

See your UK tax vs. 17 expat destinations side-by-side — exact saving, effective rate and net take-home.

Compare countries → Premium

Lifestyle Cost Planner

Build a month-by-month budget for your new life abroad — rent, groceries, transport, healthcare, social and more, by country.

Build your budget → Premium

Country Tax Deep Dive

Full income tax, CGT, wealth tax and inheritance analysis for 20 countries with side-by-side comparison and PDF export.

Deep dive → Premium

Visa Route Planner

Personalised visa pathway analysis for your chosen country. Income requirements, timelines, documents and renewal costs.

Plan your route → Premium

Cost of Repatriation Planner

What would it cost to move back to the UK? Model repatriation costs, re-entry tax, property re-purchase and re-establishing finances.

Model return costs → Premium

UK Exit Tax Planner

Understand your UK tax obligations on departure — deemed disposal rules, remittance basis, temporary non-residence anti-avoidance.

Plan your exit → Premium

Financial Independence Calculator

Are you FIRE-ready to move abroad? Model your savings rate, withdrawal rate, country costs and safe-harbour retirement age.

Model FIRE →
2

Tax residence & departure planning

HMRC compliance, SRT analysis and split-year treatment

Premium

Full Statutory Residence Test

The complete HMRC days + ties algorithm, with guided questions and a clear resident / non-resident verdict.

Run the full SRT → Premium

Split-Year & Departure Planner

Which HMRC split-year case applies to you? Personalised timeline, tax obligations in each part of year and a full departure checklist.

Plan your departure → Premium

UK Ties Analyser

How many UK ties do you have — family, accommodation, work, 90-day, country? Understand exactly how ties affect your residence status.

Analyse your ties → Premium

Non-Resident Self Assessment Guide

Step-by-step SA100 completion guide for non-residents — what to declare, which boxes to complete, and common mistakes to avoid.

Complete your return → Premium

Remittance Basis Calculator

Should you claim the remittance basis? Compare the charge vs. arising basis, model foreign income and decide what saves you most.

Calculate basis →
3

Pension, investment & wealth planning

Protect and optimise your pension and investments across borders

Premium

Pension Scam Risk Audit

Score an offer against 12 FCA red flags, get a risk band, and know exactly what action to take.

Run the audit → Premium

Retirement Income Planner

Year-by-year income waterfall — all sources, country-specific tax, sustainability check and gap analysis with visualisation.

Model your retirement → Premium

Pension Transfer Analyser

Compare keeping vs. transferring your UK pension abroad. Fees, tax treatment, currency risk, death benefits and QROPS vs SIPP analysis.

Analyse transfer → Premium

Pension Drawdown Planner

Model sustainable withdrawal rates from your pension pot — with country-specific tax, State Pension layering and longevity analysis.

Plan your drawdown → Premium

IHT Planning & Mitigation Tool

Full estate analysis with domicile status, gifting allowances, trust options and step-by-step IHT reduction strategies.

Plan your estate → Premium

Investment Wrapper Comparison

SIPP vs. ISA vs. GIA vs. offshore bond vs. platform pension — compare the after-tax returns for your situation as a non-resident.

Compare wrappers → Premium

Currency Risk & Hedging Analyser

How exposed are you to GBP/local currency swings? Model FX scenarios against your pension, savings and income sources.

Analyse exposure →
4

Life abroad — ongoing management

Property, compliance, estate and lifecycle planning

Premium

Moving Abroad Planner

The complete end-to-end guide. Shipping, pets, housing, FX, tax exit, ongoing costs, return planning — all in 8 guided steps.

Plan your move → Premium

Personalised Action Plan

Your aggregated, dated, prioritised action checklist — before you leave, first 3 months, annually. Tick items off as you go.

Get your plan → Premium

UK Property Portfolio Tax Planner

Own multiple UK properties? Model the tax across your whole portfolio — income tax, CGT on disposal, NRLS and annual reporting.

Plan portfolio tax → Premium

Domicile Status Planner

UK domicile affects IHT even after years abroad. Understand domicile of origin, choice and deemed domicile — and how to change it.

Plan domicile → Premium

Cross-Border Wills Guide

Do you need a will in both countries? Guide to succession law, forced heirship, EU Regulation 650 and protecting your estate across borders.

Plan your will → Premium

Double Tax Relief Calculator

Claiming DTA relief on foreign income? Calculate the foreign tax credit, exemption method and the net UK tax after treaty relief applies.

Calculate relief → Premium

Annual Tax Review Tool

Run your own annual tax health-check. Income, gains, allowances, pension contributions — find every optimisation opportunity for the year.

Start your review → Premium

Power of Attorney Abroad Guide

LPA in the UK while living abroad — how to set one up, overseas execution, apostille requirements and what happens without one.

Plan your LPA →
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Important — guidance, not advice. Expat Compass provides general information and estimates only, based on published UK rules for the 2025/26 tax year (England, Wales & Northern Ireland). It is not regulated financial, tax, or legal advice and should not be relied upon for decisions. Always speak to an FCA-authorised adviser or a qualified tax professional about your own situation. Figures and rules change. Expat Compass is an independent service and is not affiliated with HMRC, GOV.UK or the UK government.