How to retire comfortably in France – and protect your budget while you do it

If you're thinking of retiring to France, you're not alone. More and more British retirees are making the move – and not just for the lifestyle. Certain regions are proving particularly popular for their healthcare services, affordability, and established expat communities.

While relocating can offer a better quality of life, it also involves careful financial planning. If your income is in pounds and your costs are in euros, managing that exchange becomes a key part of securing your retirement.

Choosing a region that works for retirement

When it comes to settling down, two regions stand out: Occitanie and Nouvelle-Aquitaine.

According to recent data from INSEE, these areas are home to some of the largest over-65 populations in France – including both French and British residents. That’s a good sign. A higher number of older residents typically means better access to healthcare, local transport, and everyday amenities.

These regions also offer more affordable housing than many parts of southern France. From market towns in the Dordogne to villages in the Lot, you’ll find homes with space, character, and long-term comfort – without the high price tags of the Riviera.

Add to that a slower pace of life, plenty of sunshine, and a welcoming community, and it’s easy to see the appeal!

Budgeting across two currencies

One thing you’ll need to factor in, however, is how to manage your money across borders.

Whether you’re transferring a pension, buying a home, or covering regular expenses, exchange rates can significantly affect your budget. A small shift in the rate between pounds and euros might not sound like much, but over time it can add up –especially if you’re relying on fixed income.

That’s where currency tools can help. At a basic level, you have two options: spot contracts and forward contracts.

Spot contracts let you exchange money at the current rate, ideal for one-off transfers such as a deposit or house purchase.

Forward contracts allow you to lock in today’s exchange rate for a future transfer – up to 12 months in advance. This is especially useful for pension income or budgeting for renovation work, giving you certainty over how much you’ll receive in euros.

Using these tools, you can avoid unexpected costs and take control of your finances, even as markets shift.

Make your move with confidence

Retiring to France should be about enjoying life, not worrying about fluctuations in the pound.

By choosing the right location and putting practical plans in place, you can make the most of your move –and your money. Occitanie and Nouvelle-Aquitaine continue to attract retirees for a reason: they’re not just beautiful, they’re built for long-term living.

Thinking of making the move? Talk to us about how currency planning can help you budget with confidence. Whether you’re looking to buy a home or transfer your pension, we can help you protect your retirement income and settle in securely.