The Complete Guide · Updated 2026

What Does It Cost to
Retire Around the World?

We compared 22 countries across cost of living, healthcare, visa options, and quality of life — so you can find your perfect retirement destination.

🌍 22 Countries
💵 From $1,400/mo
🏥 Healthcare rated
✈️ Visa info included
🌏 Southeast Asia 6 countries · from $1,400/mo
Country Monthly Annual Nest Egg (25×) Visa Ease Healthcare English Score
🇲🇾
Malaysia
Kuala Lumpur / Penang
$2,000
couple/mo
$24,000/yr $600,000 ★★★★★ ★★★★ ✓ Yes 9.1 Full Guide →
MM2H Programme
90 days visa-free
Tropical, 27–33°C
Generally safe
★★★★☆ Fast fibre
KL, Penang, Johor Bahru
Our home base — we love it here!
🇹🇭
Thailand
Chiang Mai / Bangkok
$2,200
couple/mo
$26,400/yr $660,000 ★★★★ ★★★★ ~ Partial 8.8 Full Guide →
Non-OA (50+ only)
60 days + extendable
Tropical, 25–35°C
Generally safe
★★★★☆ Very good
Chiang Mai, Bangkok, Hua Hin
🇻🇳
Vietnam
Da Nang / Hanoi
$1,600
couple/mo
$19,200/yr $480,000 ★★★★★ ★★★★★ ✗ Limited 8.2 Full Guide →
No specific visa — use DT visa
45 days visa-free
Varies by region
Very safe
★★★★☆ Good in cities
Da Nang, Hoi An, Hanoi
🇮🇩
Indonesia
Bali / Jakarta
$2,200
couple/mo
$26,400/yr $660,000 ★★★★ ★★★★★ ~ Partial 7.8 Full Guide →
KITAS Retirement Visa
30 days + extendable
Tropical, 26–32°C
Mostly safe
★★★☆☆ Variable
Bali, Yogyakarta, Lombok
🇵🇭
Philippines
Manila / Cebu
$1,600
couple/mo
$19,200/yr $480,000 ★★★★★ ★★★★★ ✓ Yes 7.5 Full Guide →
SRRV (Special Resident)
30 days + extendable
Tropical, 25–32°C
Exercise caution
★★★☆☆ Improving
Cebu, Dumaguete, Davao
🇰🇭
Cambodia
Phnom Penh / Siem Reap
$1,400
couple/mo
$16,800/yr $420,000 ★★★★★ ★★★★★ ~ Partial 7.0 Full Guide →
Ordinary E visa renewable
30 days on arrival
Tropical, 25–35°C
Generally safe
★★★☆☆ Adequate
Phnom Penh, Siem Reap
🇲🇾
Malaysia
Kuala Lumpur / Penang
$2,000couple/mo
9.1
$600,000
$24,000/yr
★★★★★
★★★★
✓ Yes
MM2H Programme
90 days visa-free
★★★★☆ Fast
Tropical 27–33°C
Generally safe
🐑 Two Sheep Say: Our home base — we love it here!
Full Guide →
🇹🇭
Thailand
Chiang Mai / Bangkok
$2,200couple/mo
8.8
$660,000
$26,400/yr
★★★★
★★★★
~ Partial
Non-OA (50+)
60 days + extendable
★★★★☆ Very good
Tropical 25–35°C
Generally safe
Full Guide →
🇻🇳
Vietnam
Da Nang / Hanoi
$1,600couple/mo
8.2
$480,000
$19,200/yr
★★★★★
★★★★★
✗ Limited
DT visa
45 days visa-free
Varies by region
Very safe
Full Guide →
🇮🇩
Indonesia
Bali / Jakarta
$2,200couple/mo
7.8
$660,000
$26,400/yr
★★★★
★★★★★
~ Partial
KITAS Retirement
30 days + extendable
Tropical 26–32°C
Mostly safe
Full Guide →
🇵🇭
Philippines
Manila / Cebu
$1,600couple/mo
7.5
$480,000
$19,200/yr
★★★★★
★★★★★
✓ Yes
SRRV Programme
30 days + extendable
Tropical 25–32°C
Exercise caution
Full Guide →
🇰🇭
Cambodia
Phnom Penh / Siem Reap
$1,400couple/mo
7.0
$420,000
$16,800/yr
★★★★★
★★★★★
~ Partial
E visa renewable
30 days on arrival
Tropical 25–35°C
Generally safe
Full Guide →
🏛️ Europe 6 countries · from $1,800/mo
CountryMonthlyAnnualNest Egg (25×)Visa EaseHealthcareEnglishScore
🇵🇹
Portugal
Lisbon / Porto / Algarve
$3,200
couple/mo
$38,400/yr$960,000 ★★★★ ★★★★ ✓ Yes 9.0 Full Guide →
D7 Passive Income Visa
90 days (Schengen)
Mediterranean, 14–28°C
Very safe
★★★★★ Excellent
Lisbon, Porto, Lagos, Faro
🇬🇷
Greece
Athens / Crete / Rhodes
$2,200
couple/mo
$26,400/yr$660,000 ★★★★ ★★★★ ✓ Yes 8.7 Full Guide →
Type D Long Stay Visa
90 days (Schengen)
Mediterranean, 10–33°C
Very safe
★★★★☆ Good
Athens, Thessaloniki, Crete
🇪🇸
Spain
Valencia / Malaga
$3,200
couple/mo
$38,400/yr$960,000 ★★★★ ★★★★★ ~ Partial 8.4 Full Guide →
Non-Lucrative Visa
90 days (Schengen)
Mediterranean, 10–35°C
Very safe
★★★★★ Excellent
Valencia, Malaga, Seville
🇭🇷
Croatia
Split / Dubrovnik
$2,500
couple/mo
$30,000/yr$750,000 ★★★★ ★★★★ ✓ Yes 8.2 Full Guide →
Temporary Stay (retired)
90 days (Schengen)
Mediterranean coast
Very safe
★★★★☆ Good
Split, Zadar, Dubrovnik
🇲🇪
Montenegro
Kotor / Budva
$1,800
couple/mo
$21,600/yr$540,000 ★★★★ ★★★★★ ~ Partial 7.8 Full Guide →
Temporary Residence Permit
90 days visa-free
Mediterranean / mountain
Very safe
★★★☆☆ Adequate
Kotor, Budva, Podgorica
🇮🇹
Italy
Florence / Sicily
$3,500
couple/mo
$42,000/yr$1,050,000 ★★★★★ ★★★★★ ~ Partial 7.5 Full Guide →
Elective Residency Visa
90 days (Schengen)
Mediterranean / Alpine
Very safe
★★★★☆ Good
Florence, Bologna, Sicily
🇵🇹
Portugal
Lisbon / Porto / Algarve
$3,200couple/mo
9.0
$960,000
$38,400/yr
★★★★
★★★★
✓ Yes
D7 Passive Income
90 days (Schengen)
Mediterranean
Very safe
★★★★★ Excellent
Full Guide →
🇬🇷
Greece
Athens / Crete / Rhodes
$2,200couple/mo
8.7
$660,000
$26,400/yr
★★★★
★★★★
✓ Yes
Type D Long Stay
90 days (Schengen)
Mediterranean
Very safe
Full Guide →
🇪🇸
Spain
Valencia / Malaga
$3,200couple/mo
8.4
$960,000
$38,400/yr
★★★★
★★★★★
~ Partial
Non-Lucrative Visa
90 days (Schengen)
Mediterranean
Very safe
Full Guide →
🇭🇷
Croatia
Split / Dubrovnik
$2,500couple/mo
8.2
$750,000
$30,000/yr
★★★★
★★★★
✓ Yes
Temporary Stay
90 days (Schengen)
Mediterranean coast
Very safe
Full Guide →
🇲🇪
Montenegro
Kotor / Budva
$1,800couple/mo
7.8
$540,000
$21,600/yr
★★★★
★★★★★
~ Partial
Temp Residence Permit
90 days visa-free
Mediterranean / mountain
Very safe
Full Guide →
🇮🇹
Italy
Florence / Sicily
$3,500couple/mo
7.5
$840,000
$33,600/yr
★★★★★
★★★★★
~ Partial
Elective Residency
90 days (Schengen)
Mediterranean / Alpine
Very safe
Full Guide →
🌴 Latin America 6 countries · from $1,400/mo
CountryMonthlyAnnualNest Egg (25×)Visa EaseHealthcareEnglishScore
🇵🇦
Panama
Panama City / Boquete
$2,300
couple/mo
$27,600/yr$690,000 ★★★★★ ★★★★ ~ Partial 8.8 Full Guide →
Pensionado Visa
180 days visa-free
Tropical, 25–32°C
Mostly safe
★★★★☆ Good
Panama City, Boquete, Coronado
🇲🇽
Mexico
Puerto Vallarta / Merida
$2,400
couple/mo
$28,800/yr$720,000 ★★★★★ ★★★★ ~ Partial 8.5 Full Guide →
Temporary / Permanent Resident
180 days visa-free
Varies widely by region
Varies by region
★★★★☆ Good in cities
Puerto Vallarta, Merida, CDMX
🇨🇷
Costa Rica
San José / Guanacaste
$2,600
couple/mo
$31,200/yr$780,000 ★★★★★ ★★★★ ~ Partial 8.3 Full Guide →
Pensionado Visa ($1,000/mo)
90 days visa-free
Tropical, 20–32°C
Generally safe
★★★★☆ Good
Escazú, Tamarindo, Arenal
🇨🇴
Colombia
Medellín / Cartagena
$1,800
couple/mo
$21,600/yr$540,000 ★★★★ ★★★★ ✗ Limited 8.0 Full Guide →
Migrant (Pensioner) Visa
90 days visa-free
Eternal spring in Medellín
Improving, exercise caution
★★★★☆ Good in cities
Medellín, Cartagena, Cali
🇪🇨
Ecuador
Cuenca / Quito
$1,600
couple/mo
$19,200/yr$480,000 ★★★★★ ★★★★★ ✗ Limited 7.6 Full Guide →
Pensioner Visa ($800/mo)
90 days visa-free
Spring-like in Cuenca
Exercise caution
★★★☆☆ Adequate
Cuenca, Quito, Cotacachi
🇦🇷
Argentina
Buenos Aires / Mendoza
$1,400
couple/mo
$16,800/yr$420,000 ★★★★ ★★★★★ ✗ Limited 7.0 Full Guide →
Rentista / Pensionado Visa
90 days visa-free
Varies — Buenos Aires temperate
Mostly safe
★★★★☆ Good
⚠️ Economic volatility
🇵🇦
Panama
Panama City / Boquete
$2,300couple/mo
8.8
$690,000
$27,600/yr
★★★★★
★★★★
~ Partial
Pensionado Visa
180 days visa-free
Mostly safe
Full Guide →
🇲🇽
Mexico
Puerto Vallarta / Merida
$2,400couple/mo
8.5
$720,000
$28,800/yr
★★★★★
★★★★
~ Partial
Temp/Permanent Resident
180 days visa-free
Varies by region
Full Guide →
🇨🇷
Costa Rica
San José / Guanacaste
$2,600couple/mo
8.4
$780,000
$31,200/yr
★★★★★
★★★★
~ Partial
Pensionado ($1,000/mo)
90 days visa-free
Generally safe
Full Guide →
🇨🇴
Colombia
Medellín / Cartagena
$1,800couple/mo
8.3
$540,000
$21,600/yr
★★★★
★★★★
✗ Limited
Migrant Pensioner
90 days visa-free
Improving, caution
Full Guide →
🇪🇨
Ecuador
Cuenca / Quito
$1,800couple/mo
8.0
$540,000
$21,600/yr
★★★★★
★★★★★
✗ Limited
Jubilado ($1,446/mo)
90 days visa-free
Exercise caution
Full Guide →
🇦🇷
Argentina
Buenos Aires / Mendoza
$2,500couple/mo
8.6
$750,000
$30,000/yr
★★★★
★★★★★
✗ Limited
Rentista Visa
⚠️ Economic volatility
Mostly safe
Full Guide →
🌍 Africa 1 country · from $1,600/mo
CountryMonthlyAnnualNest Egg (25×)Visa EaseHealthcareEnglishScore
🇲🇦
Morocco
Marrakech / Casablanca
$1,700
couple/mo
$20,400/yr$510,000 ★★★★ ★★★★★ ~ Partial 7.8 Full Guide →
Long-stay visa (1 year)
90 days visa-free
Arid / Mediterranean
Generally safe
★★★☆☆ Adequate
Marrakech, Essaouira, Rabat
🇲🇦
Morocco
Marrakech / Casablanca
$1,600couple/mo
7.8
$510,000
$20,400/yr
★★★★
★★★★★
~ Partial
Long-stay (1 year)
90 days visa-free
Generally safe
Full Guide →
🏜️ Middle East 1 country · from $4,000/mo
CountryMonthlyAnnualNest Egg (25×)Visa EaseHealthcareEnglishScore
🇦🇪
UAE
Dubai / Abu Dhabi
$4,000
couple/mo
$48,000/yr$1,200,000 ★★★★ ★★★★★ ✓ Yes 8.0 Full Guide →
UAE Retirement Visa (5yr)
90 days visa-free
Hot desert, 25–45°C
Extremely safe
★★★★★ World-class
Tax-free income
🇦🇪
UAE
Dubai / Abu Dhabi
$4,000couple/mo
8.0
$1,200,000
$48,000/yr
★★★★
★★★★★
✓ Yes
UAE Retirement (5yr)
90 days visa-free
Tax-free income
Full Guide →
* All costs are estimates for a couple living comfortably — not luxuriously, not on a shoestring. Monthly figures include rent, food, transport, utilities, entertainment and basic health insurance. Costs vary by city and lifestyle. Nest egg uses the 25× annual spending rule. Not financial advice — consult a professional before making retirement decisions. Data sourced from Numbeo, Expatistan, International Living, and expat community reports (2026).