Best Countries to Retire Abroad in 2025
Live on your pension or investment income overseas — lower cost of living, warm climate, and purpose-built retirement visa programmes.
1 in 4 Americans consider retiring abroad — only 5% know which visa to use
Portugal
D7 Passive Income Visa
€760/month minimum income (pension, rental, or investment income qualifies). Leads to permanent residency in 5 years and EU citizenship eligibility. NHR tax status offers 10 years of flat 20% tax on Portuguese-source income.
Spain
Non-Lucrative Residence Visa
€2,400/month per person in passive income. Requires private health insurance. Mediterranean climate, world-class healthcare, and excellent transport links. Renews annually for 5 years then upgrades to long-term residency.
Panama
Pensionado Visa
Just $1,000/month in lifetime pension income to qualify — one of the lowest bars globally. Comes with significant discounts: 20% off medical bills, 25% off restaurants, 50% off entertainment. No local tax on foreign income.
Costa Rica
Rentista Visa
$2,500/month in guaranteed income from a pension, annuity, or bank deposit. Excellent private healthcare at a fraction of US prices. Central time zone keeps you connected to North American family and finances.
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Find my retirement visaDocumented passive income from pension, Social Security, rental income, or investments
Private health insurance that covers you in the destination country
No requirement to work — income must be from foreign sources
Clean criminal record and valid passport with at least 12 months remaining
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