Most people moving to Dubai focus on salary. The expensive mistakes happen elsewhere.
Student loans. ISAs. UK pensions. National Insurance. HMRC obligations. Most people don't realise these follow them to Dubai — until it costs them thousands. Your free assessment covers every one of them, built on real 2025/26 figures.
P85
P85 formRequired before you leave the UK
NI
NI top-upsCan secure years of State Pension
ISA
ISA deadlineLost the day residency ends
SL
Student loansOverseas repayment rules apply
TP
Teachers' PensionTransfer rules before resigning
RC
Rent chequesOften paid upfront in Dubai
P85
P85 formRequired before you leave the UK
NI
NI top-upsCan secure years of State Pension
ISA
ISA deadlineLost the day residency ends
SL
Student loansOverseas repayment rules apply
TP
Teachers' PensionTransfer rules before resigning
RC
Rent chequesOften paid upfront in Dubai
Free · Instant report · 3 minutes
★★★★★"Highlighted things my employer never mentioned." — Ben, Engineer
★★★★★"I genuinely thought my student loan stopped when I moved." — Hannah, Teacher
★★★★★"Saved me hours searching GOV.UK." — Oliver, Contractor
£0
UAE income tax
3 min
to your report
17
relocation factors assessed
2025/26
HMRC rates
UAE Income Tax
£0
For UK residents in Dubai
TP
★★★★★
Teachers' Pension
"Overseas transfer rules — check before you resign."
"File this with HMRC or you'll keep being taxed as UK resident."
ISA
★★★★★
ISA deadline
"Contribution allowance is lost the day residency ends."
NI
★★★★★
NI top-ups
"A few pounds a week can mean years of pension."
RC
★★★★★
Rent cheques
"Dubai landlords often expect cheques paid upfront."
SF
★★★★★
School fees
"Costs per child vary hugely by district — plan ahead."
EP
★★★★★
Employer packages
"Some relocation costs are negotiable if you ask."
HC
★★★★★
Healthcare setup
"Know what's covered before you land, not after."
BK
★★★★★
UAE banking
"Some accounts open in days, others take weeks."
PT
★★★★★
Pension transfers
"QROPS rules catch out more movers than anything else."
TX
★★★★★
Non-resident status
"The Statutory Residence Test decides your UK tax bill."
AC
★★★★★
Pre-departure checklist
"The small admin steps people forget cost the most."
PR
★★★★★
UK property
"Non-resident landlord rules apply if you keep a UK home."
AR
★★★★★
30-day arrival plan
"The first month sets up everything that follows."
Moving to Dubai from the UK
Six areas where UK professionals lose money by not planning ahead
Your free assessment analyses every one of these. Most people are surprised by at least two.
🎓
Student Loan
Will repayments continue overseas? Understand your exact reporting obligations and whether your threshold changes abroad.
🔑
National Insurance
See whether voluntary contributions from Dubai could significantly improve your future State Pension entitlement — often for just £3.45 a week.
📈
ISA & Investments
Understand what happens to existing ISAs after you leave, what the annual deadline means, and how stocks & shares work as a non-resident.
🏦
UK Pension
Review your pension options, the 25% transfer charge that catches most expats, and the correct way to handle your pot once you leave employment.
🏠
Housing & Setup Costs
Estimate your real first-60-day financial requirements — including Dubai's cheque system — so you arrive with the right amount in your account.
📋
Tax Residency
Understand the financial impact of leaving the UK, how to correctly notify HMRC, and what changes the moment your residency status shifts.
Simple process
Your Dubai Money Plan in 3 minutes
No account required. No lengthy forms. Just the questions that actually matter for your financial picture.
1✍️
Answer a few questions
15 targeted questions covering your salary, pension, student loan, savings, and Dubai package.
2📊
Receive your assessment
Your personalised report is generated instantly — built on 2025/26 HMRC rates, specific to your situation.
3🔓
Unlock your full plan
Upgrade for £19 to get your complete relocation plan, full checklist, and personalised action steps delivered by email.
Why this exists
Most people get the salary right. They miss everything else.
UK professionals spend months negotiating their Dubai package. They compare salaries, research tax rates, and Google housing costs. Then they board the plane — and discover the expensive obligations they left running in the UK.
⚠
Student loan repayments don't stop
Moving abroad doesn't end your obligation. Failing to notify the SLC results in the maximum rate applied automatically — on top of whatever you earn in Dubai.
⚠
Incorrect pension transfers cost thousands
The UAE has no approved QROPS. Transferring a £60,000 pension overseas without advice triggers a £15,000 charge — paid immediately, with no appeals.
⚡
ISA contributions end on departure day
Your existing ISA is protected. But the moment UK residency ends, new contributions stop permanently. Most people find out after the allowance is gone.
⚡
NI gaps compound year on year
Every year abroad without voluntary Class 2 contributions is a year permanently missing from your State Pension record. At £3.45 per week, the cost of inaction dwarfs the cost of acting.
What this report does
It surfaces the obligations you don't know about — before they cost you.
Built on current HMRC rules and your specific answers. Not generic advice. Not a calculator. A personalised financial intelligence report, generated in 3 minutes.
✓
2025/26 HMRC rates and thresholds
✓
Based on your exact salary and situation
✓
Free assessment · Delivered instantly
✓
Takes under 3 minutes to complete
What you'll discover
The mistakes that cost UK expats the most
These aren't edge cases. They're the financial obligations that catch most UK professionals off-guard — and they all have real financial consequences.
Student Loan
You must notify Student Finance before you board the plane
Moving abroad does not pause or cancel your student loan. Failing to notify the Student Loans Company before departure results in the maximum overseas repayment rate applied automatically — regardless of your actual income.
⚠ Maximum charge applied without notification
ISA & Investments
Your ISA contribution window closes permanently on departure day
Existing ISA balances are fully protected after you leave. But from the moment your UK residency ends, you cannot make new contributions — and any unused 2025/26 allowance is gone forever. Most people find out after it's too late.
⚡ £20,000 annual allowance lost if unused
National Insurance
Each year abroad without contributions permanently reduces your State Pension
Voluntary Class 2 NI contributions from Dubai cost just £3.45 per week. Each qualifying year you pay adds approximately £330 per year to your State Pension for life. Each year you don't pay is permanently lost from your record.
✓ £3.45/week · £330/year State Pension gain
UK Pension
Transferring your pension overseas can trigger a charge exceeding £15,000
The UAE has no HMRC-approved overseas pension scheme (QROPS). Transferring your UK pension to a UAE-based scheme will almost certainly trigger a 25% Overseas Transfer Charge on the full pot value — payable immediately, before any growth.
⚠ 25% charge on full pot — no appeals process
Your Financial Assessment
£2,840
UK Monthly
£3,620
Dubai Monthly
+£780
Difference
✓ Pension: Deferred — do not transfer
FULL REPORT — £19
What's inside
Personalised to your answers. Not a generic template.
Every section is generated from your specific answers — your salary, student loan plan, pension type, and savings position. No two reports are identical.
✓Student loan analysis — repayment estimate, threshold, and write-off date
✓National Insurance review — gaps, voluntary contributions, and State Pension projection
✓ISA guidance — contribution deadline and what happens after you leave
✓Pension review — deferred pot strategy and transfer risk warning
✓Relocation readiness score — savings vs day-one cost requirement
✓Common mistakes to avoid — the 5 most expensive errors UK expats make
✓Pre-departure action checklist — HMRC, SLC, NRL, banking, and more
✓Employer package review — how to read your offer and spot hidden costs
UK to Dubai financial planning
Built for UK professionals moving to Dubai
Whether you have a confirmed offer or are still in the research phase, this assessment gives you financial clarity before you commit.
💼
Professionals with a job offer
You've accepted a Dubai role and need to understand the full financial picture — tax savings, UK obligations, and day-one costs — before you hand in your notice.
🏫
Teachers relocating to UAE
International schools offer competitive packages, but Teachers' Pension Scheme rules, student loan implications, and NI gaps require careful navigation.
👨👩👧
Families moving overseas
School fees of AED 30,000–100,000 per child per year, healthcare for dependants, and housing costs fundamentally change the financial picture.
💻
Self-employed & business owners
Moving to Dubai doesn't automatically end your UK tax, NI, pension or student loan obligations. If you earn UK-sourced income, have UK clients, or retain a UK company, your obligations may follow you. This assessment is not only for employees.
🌍
Exploring a future move
Not ready to commit but want to understand the real numbers? This assessment gives you a clear picture of what the move would mean financially, right now — with no obligations.
Dubai relocation financial report
The mistakes that cost UK movers the most — caught before they happen
★★★★★
"Teachers' Pension overseas transfer rules are far stricter than most assume — and the decision has to be made before you resign, not after. The report walks through exactly what to check first."
TP
Teachers' Pension check
Covered in Section 6 — Pension Strategy
★★★★★
"Most families significantly underestimate Dubai school fees per child per year. The report breaks this down by district so you can budget against a real number, not a guess."
SF
School fee planning
Covered for families with children
★★★★★
"If you're a handful of years short of a full State Pension, voluntary NI top-ups can be one of the highest-return decisions you'll ever make — often a few pounds a week for years of guaranteed pension. Most people never check."
NI
NI contribution analysis
Covered in Section 7 — State Pension
★★★★★
"Moving abroad does not remove student loan obligations. The SLC must be notified before you leave, and overseas repayment thresholds work differently to UK ones. Missing this step has real financial consequences."
SL
Student loan overseas rules
Covered in Section 4 — Student Loan
★★★★★
"The P85 form, Dubai's upfront rent cheque system, and the ISA contribution deadline are three of the most commonly missed steps before departure. Each one is simple to handle — if you know it's coming."
PD
Pre-departure checklist
Covered in Section 9 — Action Plan
★★★★★
"Relocation packages often leave out costs that employers are willing to cover if you simply ask. The report includes the exact items to check for and how to raise them with HR before you sign."
EP
Employer package review
Covered in Section 8 — Negotiation
Common questions
Frequently asked questions
Answered in plain English. No jargon. No guesswork.
Can I keep my ISA after moving to Dubai? ▼
Yes — your existing ISA stays fully intact. Balances continue to grow and earn interest tax-free regardless of where you live. What changes is that you cannot make any new contributions once your UK tax residency ends. The 2025/26 annual ISA allowance is £20,000. Any portion of that allowance you haven't used before your departure date is permanently lost. The deadline is the day residency ends — not when you physically land in Dubai.
Do I pay UK tax while living in Dubai? ▼
No — provided you have correctly established non-resident status under the UK Statutory Residence Test, your Dubai employment income is not subject to UK income tax. The UAE has zero personal income tax. However, you must file a P85 form with HMRC to formally notify them of your departure. If you fail to do so, HMRC will continue treating you as a UK resident and applying PAYE to any ongoing income. UK-sourced income — such as rental income from a UK property — remains taxable in the UK even while you live abroad.
What happens to my student loan? ▼
Student loan repayments do not stop when you move abroad. You must notify the Student Loans Company before leaving the UK and declare your overseas income each year. Failure to notify results in the maximum repayment rate being applied automatically — a flat charge applied to estimated income, regardless of what you actually earn. Repayments are calculated as a percentage of income above your plan's threshold, converted to GBP at HMRC's published exchange rate. The specific amounts depend on which repayment plan you are on (Plan 1, Plan 2, Plan 5, or Postgraduate). Your assessment will calculate your specific overseas repayment estimate.
Can I transfer my pension to Dubai? ▼
You should not transfer your UK pension to a UAE-based scheme. The UAE has no HMRC-approved Qualifying Recognised Overseas Pension Scheme (QROPS). Any transfer to an unapproved overseas scheme will trigger a 25% Overseas Transfer Charge on the full transfer value — applied immediately, before any growth. On a £60,000 pot, that is £15,000 gone on day one with no appeals process. Your pension is almost always safer left in the UK as a deferred pot, accessible from age 57. Never take action on your pension without regulated financial advice.
What is a P85 and do I need one? ▼
A P85 is the HMRC form you complete to notify the UK government that you are leaving the UK to live or work abroad. Filing it triggers your Statutory Residence Test assessment and typically generates a refund on overpaid PAYE tax. Without it, HMRC continues treating you as a UK resident — keeping your tax code active and potentially raising assessments on overseas income. It takes approximately 20 minutes to complete online at GOV.UK. Filing it is one of the most important actions on your pre-departure checklist.
Do I still pay National Insurance from Dubai? ▼
You are not required to, but for most people it is strongly recommended. Voluntary Class 2 NI contributions from Dubai cost £3.45 per week (2025/26). Each qualifying year you pay adds approximately £330 per year to your State Pension for life. You need 35 qualifying years for the full new State Pension (£241.30/week in 2026/27). Every year abroad without contributions is a year permanently missing from your record. At £3.45 per week, the return on investment is exceptional compared to almost any other financial decision available to UK expats. Your assessment will tell you exactly how many qualifying years you have and whether voluntary contributions make sense for your specific situation.
Can I return to the UK without tax issues after living in Dubai? ▼
Yes, provided you managed your UK residency status correctly while abroad. If you correctly established non-resident status, filed a P85, and managed UK-sourced income (such as rental income) through the appropriate HMRC schemes, returning to the UK is straightforward. The risk comes from people who did not formally sever UK tax residency — either by failing to file a P85, spending too many days in the UK during the non-resident period, or failing to declare UK income. Your report covers the key actions that protect your ability to return cleanly.
See inside the report
See exactly what your report looks like
Every section is generated from your specific answers. Here's what the free assessment includes.
Financial Snapshot
£2,840
UK Monthly
£3,620
Dubai Monthly
+£780
Monthly Gain
Effective tax rate: 22% UK → 0% Dubai
Your Financial Snapshot Tap to preview ↗
UK vs Dubai take-home comparison built on your exact salary
ISA & Obligations
ISA Allowance
Maximise £20,000 before your departure date. Residency ends → contributions stop permanently.
UK Obligations Review Tap to preview ↗
ISA deadlines, pension strategy, student loan, and NI
Action Checklist
✓
File P85 with HMRC
✓
Notify Student Loans Company
Maximise ISA before departure
Set up Class 2 NI from Dubai
Review pension — do not transfer
3 more items locked — upgrade to unlock
Pre-Departure Checklist Tap to preview ↗
Prioritised action list based on your specific situation
The process
What happens next?
A free assessment, personalised to your situation, in under 3 minutes.
1
Answer 15 questions
Salary, pension, student loan, savings, and Dubai package. Takes under 3 minutes.
2
Receive your assessment
A personalised financial breakdown built on your specific answers and 2025/26 HMRC rates.
3
Discover hidden obligations
Student loan rules, NI gaps, ISA deadlines, pension risks. Most people discover at least one they didn't know about.
4
Unlock the full plan
Upgrade for £19 to receive your complete relocation plan, full checklist, and action steps by email.
Free · Instant report · Takes less than 3 minutes
Free Financial Assessment
Don't move countries without understanding the financial obligations you're taking with you.
Student loan. Pension. ISA. National Insurance. HMRC departure. Your free assessment covers every one — built on your specific situation, in under 3 minutes.
Free · Instant report · Takes less than 3 minutes · Built on 2025/26 HMRC rates
The 8 financial actions before you move
A free checklist covering what UK professionals need to sort before relocating to Dubai — from HMRC to your student loan to day-one costs.
✓
File your P85 before departure
✓
Notify the Student Loans Company
✓
Check your National Insurance position
✓
Maximise your ISA before it closes
+ 4 more financial actions
Enter your details and we'll send it instantly.
No spam. Unsubscribe any time.
✅
Checklist sent.
Check your inbox — it should arrive within a minute.
Enter your gross salary before any deductions. We ask about pension contributions separately for an accurate take-home calculation.
Please enter a salary or select a band.
£
Or select a band:
Under £25,000
£25,000 – £35,000
£35,000 – £50,000
£50,000 – £70,000
£70,000 – £100,000
Over £100,000
Question 3 of 14
Do you make pension contributions?
Your employee pension contribution reduces your taxable income, so it affects your take-home pay directly. Enter the percentage taken from your salary each month. You can find this on your payslip under "Pension" or "Auto-enrolment". Not sure? Check the GOV.UK guide →
Please select an option.
No contributions
No active pension deductions
Yes — I contribute
Enter the percentage below
Not sure
Check your payslip to find out
%
Question 4 of 14
Do you know your Dubai salary?
If you have a confirmed offer, enter the monthly AED figure below. If not, we will estimate based on typical UAE salary uplifts for your UK band.
Please select an option.
Yes — confirmed offer
I will enter the AED figure
No — estimate for me
Use a typical UAE uplift
Question 5 of 17
Do you have enough savings to fund your move?
Dubai landlords often require rent payments upfront — usually 1-4 post-dated cheques covering the full annual rent at contract signing. Your relocation fund can significantly affect how smoothly your move goes.
Please select an option.
Under £5,000
Tight — careful planning required
£5,000 – £10,000
£10,000 – £20,000
£20,000+
Prefer not to say
Question 6 of 17
What UK pension arrangements do you currently have?
Leaving UK employment changes what you can do with your pension. The wrong move can trigger a 25% Overseas Transfer Charge on the full pot value — one of the most expensive mistakes UK expats make.
Please select an option.
Teachers' Pension Scheme
NHS Pension Scheme
Local Government Pension Scheme
Workplace Pension
Auto-enrolment or defined contribution
Personal Pension / SIPP
Independently managed
Multiple pensions
No pension
Question 7 of 14
Do you have a UK student loan?
You must notify the Student Loans Company before leaving the UK. Failure to do so results in the maximum repayment charge being applied automatically. Check your plan on GOV.UK →
Please select an option.
No student loan
Plan 1
Started university before Sept 2012
Plan 2
Started 2012 – July 2023
Plan 5
Started August 2023 or after
Postgraduate loan
Masters or doctoral loan
Not sure which plan
Question 8 of 14
Is accommodation in Dubai covered by your employer?
A 1-bedroom flat in a mainstream expat area (JBR, JLT, Sports City) runs AED 55,000–100,000 per year — payable in post-dated cheques at contract signing, not monthly in arrears.
Please select an option.
Yes — fully covered
Employer pays in full
Housing allowance provided
Employer contributes, I top up
No — self-funded
Full rental cost is my responsibility
Not confirmed yet
AED
per year
This helps us calculate how much you'll need to top up from your salary.
Question 9 of 14
Is healthcare covered by your employer in Dubai?
UAE law requires employers to provide health insurance, but the quality of coverage and inclusion of family members varies significantly between packages.
Please select an option.
Yes — full family cover
Me and all dependants covered
Yes — employee only
Family must arrange separately
No — self-funded
I arrange my own cover
Not confirmed yet
Question 10 of 17
Has your employer confirmed your relocation package?
Self-funded UAE residency visa, Emirates ID, medical fitness test, and setup costs typically total £1,800–£3,500. This helps us work out what you'll need to cover yourself.
Please select an option.
Covers everything
Visa, flights, shipping, and setup
Covers visa only
Covers visa and flights
Partial package
Some costs covered, some not
Package not confirmed
Paying everything myself
Question 11 of 17
Do you own UK property?
Non-resident landlords face specific HMRC obligations. Failure to register before renting out can result in your letting agent withholding 20% of all rental income and paying it directly to HMRC.
Please select an option.
Yes — I live in it
Considering renting it out when I leave
Yes — buy-to-let
Already rented out
Yes — inherited or gifted property
Yes — selling before moving
No — I rent
No property
Question 12 of 17
Are you moving with a partner or children?
Dependants significantly change your Dubai cost picture. School fees alone run AED 30,000–100,000 per child per year, and are rarely covered in full by employers.
Please select an option.
Moving alone
No partner or dependants
Partner only
No children
Partner and children
Children, no partner
Question 13 of 17
Have you checked your National Insurance record?
You need 35 qualifying years for the full State Pension (£241.30/week in 2026/27). Voluntary Class 2 contributions from Dubai cost just £3.45/week — one of the best-value financial decisions available to UK expats. Check your record on GOV.UK →
Please select an option.
Under 10 years
10 – 20 years
20 – 30 years
30+ years
Not sure — haven't checked
Question 14 of 17
Do you hold any of these UK savings or investment accounts?
Select all that apply and enter approximate current values. You cannot contribute to ISAs once UK residency ends, but existing holdings are protected and continue to grow tax-free. Stocks & shares can still be bought and sold through non-ISA accounts from abroad.
Cash ISA
Tax-free interest savings
£
Stocks & Shares ISA
Tax-free investment wrapper
£
Lifetime ISA (LISA)
25% government bonus — withdrawal rules apply
£
General Investment Account (non-ISA stocks)
You can continue to buy/sell from abroad
£
None of these
No ISA or investment accounts
Question 15 of 17
When are you planning to move?
Your move date determines which UK tax year you exit in, which ISA allowances you can still use, and how urgent the HMRC deadlines are for your situation.
Please select an option.
Within 3 months
Urgent — actions needed now
3 – 6 months
6 – 12 months
Over 12 months
Already in Dubai
Not decided yet
Question 16 of 17
What is your biggest concern about moving to Dubai?
Select all that apply — this helps us put the most relevant sections of your report front and centre.
Please select an option.
Building savings
Housing costs
Student loans
Pension planning
UK property
Family costs
Tax and HMRC
General uncertainty
Question 17 of 17
Do you expect to return to the UK?
This affects how we frame your pension, National Insurance, ISA, property, and tax recommendations.
Please select an option.
Within 2 years
Within 5 years
Eventually
Unsure
No plans to return
Almost done
Where should we send your personalised report?
We'll send your report instantly and occasionally share important UK-to-Dubai financial updates. No spam.
Please enter your first name and a valid email address.
Building your report
Reviewing your answers…
Calculating 2025/26 income tax and NI
Estimating Dubai relocation costs
Assessing your UK financial obligations
Preparing your personalised report
Pension transfer rules
"QROPS and overseas transfer rules can cost far more than people expect if missed."
UK–Dubai Financial Assessment
Your Personalised Financial Assessment
UK–Dubai Financial Assessment
★★★★★
"Your 30-day arrival plan covers exactly what to do — and when — from the moment you land, so nothing gets left to the last minute."
30-Day Arrival Plan
Included in your full report
★★★★★
"The pre-departure checklist covers your P85, ISA deadline, and pension decisions — the steps most people only discover after it's too late."
Pre-Departure Checklist
Included in your full report
★★★★★
"Student loan overseas thresholds and notification rules are explained in plain English — including what your employer's HR team often won't know."
Student Loan Walkthrough
Included in your full report
A
Your UK Financial Position
B
Dubai Income Comparison
Premium report — personalised to your answers
The expensive mistakes aren't in the salary figure. They're in what most people don't check.
Your free report gives you the overview. The premium report gives you the specific steps — your pension decision, your student loan notification, your HMRC exit, your Dubai day-one costs — built around your exact situation.
One-time payment · No subscription · Usually £39 — £19 today
C
UK Financial Obligations
🔒
Premium section
Your Personalised HMRC Exit Strategy
Based on your answers, your HMRC departure plan requires specific attention to three key areas. Your statutory residence test position means you will need to file a P85 form and complete a self-assessment return for the year of departure. The overpaid PAYE refund owed to you based on your salary band is estimated at £1,200–£2,400. Missing this step means HMRC continues taxing your overseas income indefinitely. Your pension type adds further complexity — here is exactly what to do and in what order before your departure date...
This section is personalised to your salary, pension type, and departure timeline.
🔒
Premium section
Your Student Loan Overseas Repayment Plan
Your student loan plan has specific overseas repayment thresholds that differ significantly from UK rates. Based on your stated income in Dubai, your monthly repayment obligation changes to a fixed overseas rate. If you do not notify the Student Loans Company before departure, they will apply the maximum repayment rate automatically with no possibility of a refund for overpayment. The five-minute notification process, the exact threshold for your plan type, and the annual income declaration process are covered in full...
Specific to your loan plan type and Dubai salary.
D
What People Get Wrong
🔒
Premium section
Your Dubai Day-One Cost Breakdown
Based on your accommodation situation, family size, and salary, here is a detailed breakdown of costs you will face in the first 30 days in Dubai. The rent cheque system means your first year's rent — often AED 60,000–120,000 — is due at contract signing as post-dated cheques. Added to visa costs, health insurance, school deposits and setup costs, the total first-month outlay for your situation is estimated between £12,000 and £18,000. Here is exactly where that money goes and how to prepare for it...
Calculated from your savings, family situation, and housing answers.
E
Your Pre-Departure Checklist
Ready to see your full plan?
Three locked sections above cover the decisions that cost most people thousands.
Your HMRC exit strategy, student loan overseas plan, and Dubai day-one cost breakdown are built around your exact answers. One payment. Delivered instantly.
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This report is for informational purposes only and does not constitute financial, tax, legal, or investment advice. All UK tax calculations use 2025/26 HMRC rates: Personal Allowance £12,570; Basic Rate 20% on £12,571–£50,270; Higher Rate 40% on £50,271–£125,140; Additional Rate 45% above £125,140; National Insurance 8% on £12,571–£50,270, 2% above. Student loan repayment thresholds: Plan 1 £26,065, Plan 2 £28,470, Plan 5 £25,000, Postgraduate Loan £21,000. New State Pension £241.30/week (2026/27), requiring 35 qualifying years. AED/GBP exchange rate approximated at 4.70. All figures are estimates; your actual position depends on personal circumstances, pension scheme type, and tax year of departure. Consult a qualified independent adviser before making any financial decisions related to your relocation.
Financial Snapshot
What this section shows you
What you'll learn
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Your free report covers the basics. The costly mistakes are in the detail.
Free report includes
Salary comparison
Basic readiness score
Key risk summary
Pre-departure checklist
Premium unlocks
Student loan strategy
HMRC exit plan
ISA rules abroad
Pension mistake prevention
Day-one cost breakdown
Personal action plan
One financial mistake — a missed P85, a pension transfer, an ISA not closed — can cost thousands. The premium report costs £19.
"Your 30-day arrival plan covers exactly what to do — and when — from the moment you land, so nothing gets left to the last minute."
"The pre-departure checklist covers your P85, ISA deadline, and pension decisions — the steps most people only discover after it's too late."
"Student loan overseas thresholds and notification rules are explained in plain English — including what your employer's HR team often won't know."