Countries & Programs — Where Can I Move

From €1,020/month in Portugal to $1,000/month in Panama — retirement residency programs at every budget, climate and lifestyle preference. Many include a path to citizenship.

OpenEU Citizenship

🇵🇹

Portugal D7

Passive Income Visa · EU Citizenship Path

€1,020/month income only

2yr renewable → EU citizenship in just 5 years
NHR 2.0: 20% flat tax on Portuguese income for 10yr
Most popular EU retirement visa globally
Spouse, children and parents included

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Open7% Flat Tax

🇬🇷

Greece Retiree Regime

7% Flat Tax · Retirement Residency

€3,500/yr flat tax on all foreign income

All foreign income taxed at just 7% flat for 15 years
Combined with Golden Visa = residency + tax benefit
EU access · Schengen · superb healthcare
Retire at any age

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Open

🇪🇸

Spain Non-Lucrative

Passive Income / Retirement Visa

€2,400/month income

Cannot work in Spain · 1yr renewable
PR after 5yr · citizenship after 10yr
Excellent healthcare · low cost of living outside cities
Warm climate · English widely spoken on coasts

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Open€100k Flat Tax Option

🇮🇹

Italy Elective Residency

Passive Income / Retirement

€31,000/year passive income

€100k/yr flat tax covers ALL foreign income — ultra-HNW option
PR after 5yr · citizenship after 10yr
Southern Italy cheap: villages offer €1 houses + €30k grants
No age restriction

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Open

🇫🇷

France Retraite Visa

Long-Stay Retirement Visa

€1,200/month pension income

1yr renewable → PR after 5yr → citizenship after 5yr
Private health insurance required
Excellent healthcare · culture · cuisine
No age minimum

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Open

🇭🇷

Croatia Retirement

Digital Nomad → Retirement Residency

€2,540/month (nomad) or pension proof

1yr renewable · territorial tax on foreign income
Stunning Adriatic coast · growing expat community
EU member 2013 · Schengen access
Very affordable outside Zagreb

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OpenDay-One PR

🇲🇹

Malta MPRP

Permanent Residency · Day-One Status

€150k+ government fee + €300k property

Permanent residency from day one — not temporary
Flat 15% tax on remitted income
Path to citizenship after 5yr natural residency
English-speaking EU member

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Open

🇲🇪

Montenegro

Residency via Property / Investment

€50k+ real estate

Non-EU but candidate · low cost of living
€35k one-room apartment in coastal areas
Territorial tax · 9% flat income tax
Warm climate · stunning Adriatic

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OpenBest Value Americas

🇵🇦

Panama Pensionado

Best Retirement Residency in the Americas

$1,000/month pension income

Massive pensioner discounts: 25% on flights, 20% on restaurants, 20% medical
Permanent residency — for life — from day one
Territorial tax: zero on foreign income
English widely spoken · world-class healthcare · ultra-stable USD economy

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Open

🇲🇽

Mexico Rentista/Retirement

Temporary → Permanent Residency

~$2,500/month income or $43k savings

4yr temp residency → PR · citizenship in 5yr
No age limit · low cost of living
Warm climate year-round · huge expat communities in Ajijic, Oaxaca, Mérida
Territorial tax · no tax on foreign pension income

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Open

🇨🇷

Costa Rica Pensionado

Lifetime Permanent Residency

$1,000/month pension

Permanent residency from day one — no renewal needed
Pura vida: ranked one of world's happiest countries
World-class private healthcare at fraction of US cost
Stable democracy · no military · path to citizenship 7yr

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OpenLowest Income Req.

🇳🇮

Nicaragua Pensionado

Central America's Best Value Retirement

$600/month pension

Lowest pension income requirement in the Americas
Pensioner discounts: 50% off healthcare, 50% off leisure
Permanent residency · territorial tax
Very low cost of living · Caribbean and Pacific access

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Open

🇧🇿

Belize QRP

Qualified Retired Persons Programme

$2,000/month pension · age 45+

Import your car and household goods duty-free
English-speaking British Commonwealth nation
No tax on foreign income at all
Caribbean coast · Mayan ruins · scuba diving

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Open

🇨🇴

Colombia Pensioner Visa

Retirement Residency · Pensionado Route

~$750/month pension (3× minimum wage)

3yr temp → PR · citizenship in 5yr
Medellín rated world's most innovative city
Extremely affordable · warm climate year-round
Territorial tax · no tax on foreign pension

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OpenLowest Threshold

🇪🇨

Ecuador Retirement Visa

Cheapest Retirement in South America

$400/month pension (2× minimum wage)

Lowest pension requirement in South America
Uses USD · no currency risk
Excellent private healthcare · low cost of living
Citizenship possible after 3yr

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Open

🇵🇾

Paraguay Rentista

Passive Income / Retirement Residency

$1,300/month income or $35k bank proof

Permanent residency · citizenship in just 3yr
Territorial tax: zero on all foreign income
Very low cost · minimal bureaucracy
Combined with $5.5k investor PR for easiest route

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OpenFrom $10k

🇵🇭

Philippines SRRV

Special Retiree's Resident Visa

From $10,000 deposit · age 35+

One of the cheapest formal retirement residency programs in the world
Permanent non-immigrant status — no renewal needed
English-speaking · 7,000+ islands · very low cost of living
Convert deposit to real estate · import car duty-free · hospital discounts

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Open

🇹🇭

Thailand O-A / LTR

Retirement Visa / Long-Term Resident

THB 800k deposit (~$23k) · age 50+

1yr renewable O-A visa · or 10yr LTR Wealthy Pensioner for $80k income
Extremely low cost of living · world-class private hospitals
Elite Visa also available as non-retirement option
No path to citizenship or PR

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Open

🇲🇾

Malaysia MM2H

My Second Home Programme · 10-Year Visa

From RM150k fixed deposit (~$32k)

10-year renewable residency · 3 tiers (Standard/Silver/Sarawak)
Foreign income tax exempt · can work 20hr/week on Silver+
Excellent healthcare · English-speaking · multicultural
90 days/year stay minimum required

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Open

🇮🇩

Indonesia KITAS Retirement

Retirement KITAS Visa · Age 55+

$1,500/month foreign pension income

1yr renewable · Bali, Lombok, Flores lifestyle
Cannot work · not a path to PR or citizenship
Foreign income not taxed if not remitted to Indonesia
Very affordable with outstanding climate

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Open

🇻🇳

Vietnam DT4 Investor / Retirement

Long-Term Residency via Investment

$130k+ investment in local business

Booming economy · very low cost of living
Ho Chi Minh City / Hanoi large expat scenes
No specific retirement visa — investor route most accessible
Territorial approach to foreign income

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Open

🇰🇭

Cambodia My Residence

Retirement / Long-Stay Option

$25,000 fixed deposit + $1,000 fee

Cambodia My Residence (CMR): 10yr renewable
No age restriction · no income or work restriction
Very affordable · English widely spoken in cities
No path to citizenship

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OpenZero Tax

🇦🇪

UAE Retirement Visa

Official Retirement Visa · Age 55+

$272k property or savings/investments

Zero income, CGT and inheritance tax
5yr renewable retirement visa
World-class healthcare · English everywhere
Also count active Golden Visa if budget allows

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OpenEnglish-Speaking

🇲🇺

Mauritius Retirement Permit

Africa's Best Retirement Residency · Age 50+

$1,500/month pension transfer

Beautiful island · warm year-round · zero crime in resorts
Territorial tax: no tax on foreign pension
Good private hospitals · growing expat community
Easy path to PR after 2yr · citizenship in 5yr

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Open£44k Tax Cap

🇬🇮

Gibraltar Category 2

Ultra-HNW Tax Cap Residency

Max £37–44k total income tax/year

Pay a MAXIMUM of £37–44k income tax regardless of total income — no upper limit
Zero CGT · zero IHT · zero dividend tax
~35 permits issued per year · very selective
British Overseas Territory · English · European geography

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Open20% Flat Tax

🇬🇬

Guernsey / Jersey High Value Resident

Crown Dependencies · Ultra-HNW

20% flat tax · £50k minimum tax contribution

20% flat tax — regardless of income level
Zero CGT · zero IHT · zero stamp duty
English-speaking · Channel Islands · safe and stable
Non-EU but strong UK ties · financial privacy

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Open1% Tax Option

🇬🇪

Georgia Residency

Low-Tax European Retirement Base

No minimum income — from $0

1% flat tax on foreign income for small business owners via virtual zone
No minimum income requirement · very low cost of living
EU candidate · English growing · digital-friendly
Citizenship possible after 10yr

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✨ Free Routes — Citizenship by Descent & Ancestry

OpenGrandparent Route

🇮🇪

Ireland

Citizenship by Descent

~€278 registration fee only

Grandparent born in Ireland = EU passport
9-month processing · no residency needed
Passes to your children too

Check your eligibility →

Changed March 2025

🇮🇹

Italy

Citizenship by Descent

Legal fees ~$2–5k

Now limited to parent or grandparent (Tajani Decree 2025)
Pre-2025 claims still processing · legal challenge pending

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OpenUnlimited Generations

🇵🇱

Poland

Citizenship by Descent

Document costs only

No generational limit (post-1900 ancestor)
No language requirement · EU passport

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OpenNo Generational Limit

🇩🇪

Germany §15 StAG

Citizenship — Nazi-Era Persecution

Legal fees only — often overlooked!

Descendants of Nazi-era persecution · no limit
EU's strongest passport · widely underused

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Open

🇷🇴

Romania

Citizenship by Descent

Legal fees ~$1–3k

Great-grandparents from 1918–1940 territory
Includes Moldova, Ukraine border regions · EU + Schengen

Check your eligibility →

Special Route

🇵🇹

Portugal Sephardic

Jewish Ancestry Route

Legal fees only

Descendants of expelled Sephardic Jews · no limit
EU passport via ancestry · completely separate from Golden Visa

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💰 Low Cost Routes — Under $50,000 total

OpenWorld's Cheapest PR

🇵🇾

Paraguay

Permanent Residency

~$5,500 bank deposit only

World's most affordable PR program
Territorial tax · citizenship in just 3 years
1-week visit to set up · minimal presence

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Open

🇨🇴

Colombia

Investor / Pensioner Residency

~$84k property / $750/mo pension

Visit once every 2 years to maintain
Citizenship in 5 years · Medellín rated top expat city

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Open

🇲🇽

Mexico

Temp → Permanent Residency

$4,500/mo income or $74k savings

4yr to PR · citizenship in 5yr · no presence for renewal
Close to USA · vibrant cities · territorial tax

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Open

🇺🇾

Uruguay

Investor / Financial Solvency

$380k investment or passive income

Most stable country in Latin America
Territorial tax first 10yr · citizenship in 3yr

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