Income for the years that matter
Each country treats retirement income differently — from full state systems to no state support at all. Here is what your pension looks like in each.
A Cypriot state pension needs ten years of contributions, but most arrivals keep pensions at home: UK state pensions are paid and indexed in Cyprus, and the non-dom regime keeps much private pension and investment income tax-free.
EFKA pays a state pension after about fifteen years of contributions, from age 67. The headline for arrivals is the 7% flat tax on foreign pension income — locked in for fifteen years once you become Greek tax resident.
No state pension for expatriates — planning is self-directed. The end-of-service gratuity provides a lump-sum floor, and untaxed investment growth makes offshore savings unusually efficient.
Side by side
| Measure | Cyprus | Greece | Dubai |
|---|---|---|---|
| State pension for expats | Yes, from 10 years | Yes, ~15 years | None |
| Standard retirement age | 65–67 | 67 | — |
| Foreign pension tax | 5% above €5,000 (optional, since 2026) | 7% flat | None |
| International-organisation pensions (passed, not yet in force) | No change | 15% flat from 2027 | No change |
| UK pension uprated | Yes | Yes (EU rules) | Frozen |
| Self-directed saving | Common | Common | Essential |
These guides are general information, current to early 2026, and are not legal, tax or financial advice. Rules change and personal circumstances matter — confirm the specifics with a licensed advisor before you act.
Next step
Numbers only go so far. Tell us your income sources, family situation and timeline, and we will connect the dots for the country you are leaning towards.