About Expat Compass
Plain-English money tools for people who live, work and retire abroad — built to help you ask better questions and avoid expensive mistakes.
Why this exists
Moving abroad turns simple money questions into complicated ones. Are you still a UK tax resident? Will you get a full State Pension? Is that “free pension review” actually going to cost you a fortune in hidden fees?
Expat Compass brings the answers together in one calm, jargon-free place. The free tools give you instant, useful estimates. Save your details once and every calculator remembers them.
A word on pension “advisers”
There is a well-documented industry of offshore sales operations that target expats with unsolicited “reviews”, then move pensions into high-fee products that quietly drain retirement savings. We won’t name names, but we will give you the tools and questions to spot a bad deal yourself — starting with our Pension Fee Impact calculator.
Always check an adviser is on the FCA Register and read FCA ScamSmart before moving any pension.
The important bit: this is guidance, not advice
Expat Compass provides general information and estimates only. It uses published UK rules for the 2025/26 tax year (England, Wales & Northern Ireland) and makes simplifying assumptions. It is not regulated financial, tax or legal advice, and you should not make decisions based on it alone.
Everyone’s situation is different — especially across borders, where domicile, double-taxation treaties and local rules all matter. Please speak to an FCA-authorised adviser or a qualified cross-border tax professional about your own circumstances.