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2025 Guide

Best Countries to Retire Abroad in 2025

Live on your pension or investment income overseas, with 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

Top destinations

Portugal

D7 Passive Income Visa

#1

€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

€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

#3

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

#4

$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.

Algorithmic ranking

See cities ranked for to retire abroad

Same 10 dimensions used across /rankings, but weighted for what this audience actually optimises for.

See which option fits your exact profile

Your workspace scores every visa programme relevant to your situation. Answer 8 questions and your routes, documents and dates are set up for you. Free.

Build my workspace

The workspace is free. One optional $9 plan adds document checklists, costs and a 30-day action plan.

What you typically need

  • Documented 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

Frequently asked questions

Ready to find your best path?

Answer 8 questions and your routes, documents and dates are set up for you. Free.

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The workspace is free. One optional $9 plan adds document checklists, costs and a 30-day action plan.

Run your move abroad from one workspace.

Your workspace ranks the visa programmes that fit your profile across 16 countries. Answer 8 questions and your routes, documents and dates are set up for you. Free.

Build my workspace

The workspace is free. One optional $9 plan adds document checklists, costs and a 30-day action plan.