Top European Retirement Destinations for 2025: Where Would You Consider Moving?

Retiring overseas has become a popular choice for many people in the UK. More and more individuals are looking for warmer weather, better value for their money, and a sense of security as they enter their later years.

Among expats, Europe remains a top pick due to its affordable lifestyle, excellent healthcare services, and diverse cultural opportunities that can enhance one’s retirement experience.

A recent report by Funeral Guide has identified 10 European countries as prime retirement destinations. These nations were evaluated based on three main criteria: cost of living, crime rates, and healthcare quality.

A budget-friendly option with one of the lowest costs of living in Europe, Hungary enters the list at number 10 – a perfect choice for retirees aiming to stretch their pensions. 

While it ranks slightly lower due to a higher crime rate and moderate healthcare quality, cities like Budapest charm with their rich culture, efficient public transport, and affordability. 

At number nine, Iceland offers awe-inspiring landscapes and minimal crime, making it a tranquil, safe environment for retirees seeking serenity and safety. 

Despite a high cost of living, its excellent healthcare system and peaceful lifestyle attract those seeking an adventurous yet calm chapter of life. 

In eighth place is Switzerland – a nation considered by many as the gold standard of European living.

Europe continues to be one of the most desirable continents for retirees, with many nations offering affordable living, high-quality healthcare, and a variety of unique cultures and experiences

In eighth place is Switzerland – a nation considered by many as the gold standard of European living (Pictured: Chastè peninsula at Lake Sils in the Upper Engadine, Switzerland)

Switzerland offers top-tier healthcare and varied, breathtaking scenery, from cosmopolitan cities like Zurich and Geneva to snow-capped peaks to crystal-clear lakes in Lucerne and Montreux (pictured)

The country offers top-tier healthcare and varied, breathtaking scenery, from cosmopolitan cities like Zurich and Geneva to snow-capped peaks and crystal-clear lakes in Lucerne and Montreux. 

While it’s one of the most expensive on the list, its exceptional quality of life, wellness culture, and reliable infrastructure make it a dream retirement spot for those who can afford it.   

Rich in culture and history, Austria ranks seventh with its blend of sophistication with practicality. 

Vienna offers world-renowned music and architecture, the healthcare system is comprehensive and well-rated and the public transport is clean and efficient – even in smaller towns. 

Austria delivers Western European elegance without the eye-watering price tag, making it ideal for those who value simplicity and tradition.

Croatia’s Mediterranean charm, warm climate, affordable living have earned it the sixth spot in Europe’s top ten retirement countries. 

With its sunny coastline, historic towns, and improving healthcare standards, Croatia is ideal for retirees looking for a laid-back lifestyle with cultural flair. 

Taking the fifth spot is Portugal, which continues to draw retirees with its sunny weather, low living costs, and relaxed lifestyle. 

Croatia’s Mediterranean charm, warm climate, affordable living have earnt it the sixth spot in Europe’s top ten retirement countries (Pictured: Aerial view of Dubrovnik)

Ranking fourth, Finland impresses with its serene natural beauty, extremely low crime rates, and high-ranking healthcare system (Pictured: Helsinki)

Prague’s walkability, charm, access to excellent healthcare make it a standout, while smaller cities outside of the capital offer even more value without sacrificing quality of life

Cities like Lisbon and Porto offer vibrant culture, while coastal havens such as Cascais bring peace and ocean views – all supported by strong healthcare and a growing expat community. 

Ranking fourth, Finland impresses with its serene natural beauty, extremely low crime rates, and high-ranking healthcare system. 

Although winters are long, the country’s commitment to wellbeing, clean infrastructure, and calm pace of life create an inviting environment for retirement. 

Affordable and centrally located, the Czech Republic ranks third on the list, blending a rich history with a high standard of living.

Prague’s walkability, charm, access to excellent healthcare (and it’s beer) make it a standout, while smaller cities outside of the capital offer even more value without sacrificing quality of life. 

In second place is Slovenia, an often-overlooked hidden gem with clean air, picturesque lakes, and a strong sense of safety. 

Its moderate living costs, reliable healthcare and proximity to other major European destinations make it ideal for retirees wanting a combination of tranquility, convenience and peace of mind. 

Topping the list is Denmark, celebrated for its quality of life, strong healthcare, and societal stability. 

Topping the list is Denmark, celebrated for its quality of life, strong healthcare, and societal stability (Pictured: Copenhagen)

Denmark’s clean cities, sustainable living, and emphasis on community make it a fulfilling place to enjoy one’s golden years (Pictured: Copenhagen)

Though it may not be the cheapest, Denmark offers retirees exceptional welfare support, a low crime rate, and a culture that values balance and wellbeing. 

Its clean cities, sustainable living, and emphasis on community make it a fulfilling place to enjoy one’s golden years. 

A spokesperson from Funeral Guide explained: ‘Retirement should be about peace of mind, not just pensions. 

‘These countries offer not only financial and medical security, but also the lifestyle and dignity everyone deserves in later life.’