Tax when you get a pension

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Tax when you live abroad

You may be taxed on your pension by the country where you’re resident and by the UK.

You’ll pay UK tax on your pension if either:

The amount you pay depends on your income. You need to tell HMRC if you move abroad.

You may not have to pay twice if the country you’re resident in has a ‘double-taxation agreement’ with the UK. Your country’s tax treaty will tell you where to pay tax.

  1. Step 1 Check when you can retire

  2. and Check how much pension you could get

  3. Step 2 Increase your pension

    You might be able to increase the amount you get if you delay your pension.

    1. Find out about delaying your pension

    You might be able to pay voluntary contributions to fill in gaps in your National Insurance record (such as, from when you were not working or claiming benefits).

    1. Check if you can pay voluntary National Insurance contributions

    For advice about increasing your workplace or private pension, speak to a financial adviser.

    1. Find a financial adviser through Unbiased
  4. Step 3 Check what other financial support you could get

  5. Step 4 Decide when to retire