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Retirement & Passive-Income Visa Requirements 2026

What income do you actually need to retire abroad? The minimum income and proof-of-funds to get residency without local work — pension, passive-income and non-lucrative visas — across 24 countries. Unlike the listicles, every figure here shows its official source and an honest confidence level — because several of these numbers aren't actually fixed in law.

CC BY 4.024 visas20 government-groundedChecked 2026-06-25JSON APICSV

Press headline · permalink

Across 24 sourced retirement & passive-income visas, the income to retire abroad ranges from ~$800/month (Philippines SRRV) to $80,000/year (Thailand LTR) — and 2 of the most-quoted thresholds (Italy, Portugal's D7) aren't actually fixed in law, in WhereNext's 2026 dataset

Copy with attribution: “Across 24 sourced retirement & passive-income visas, the income to retire abroad ranges from ~$800/month (Philippines SRRV) to $80,000/year (Thailand LTR) — and 2 of the most-quoted thresholds (Italy, Portugal's D7) aren't actually fixed in law, in WhereNext's 2026 dataset” — WhereNext, as of 2026-06-25

Quick answer

Across 24 retirement and passive-income visas, the lowest income bars are Philippines (~$800/mo), Cyprus (~$927/mo), Costa Rica (~$1,000/mo); the highest is Thailand's LTR Wealthy Pensioner at $80,000/year. Spain's Non-Lucrative Visa needs €2,400/mo (400% of IPREM) and Portugal's D7 €920/mo (tied to the minimum wage). Crucially, 14 figures are verified on an official source, but Italy's is a consular benchmark whose exact figure is not fixed in law (its floor is a decree formula); France's visitor floor is the statutory net SMIC. Most require passive income (pension/rent/dividends), not remote-work salary. Every row carries its source and the date checked (2026-06-25). CC BY 4.0.

Key facts

Lowest income bar: Philippines SRRV Classic at ~$800/mo. Highest: Thailand LTR Wealthy Pensioner ($80k/yr).
20/24 government-grounded 14 verified on an official source, plus statutory-basis figures indexed to local minimum wages.
2 are consular benchmarks Italy (decree formula, ~€31,000 in practice) and Portugal D7's exact figures are consular benchmarks — not fixed statutory amounts.
Mostly passive income pensions, rent, dividends — not remote-work salary. Pensionado routes need a guaranteed lifetime pension.
Volatile — re-verify minimum-wage-indexed figures reset every January; checked 2026-06-25. CC BY 4.0 — free to cite.

Will your income qualify?

Enter your monthly passive income (pension, rent, dividends) to see which visas you'd likely meet the income bar for. Directional — most visas also require deposits and passive-income rules; verify with the consulate.

Monthly passive income (USD)

With ~$2,500/mo, you'd likely meet the income bar for 12 of 17 income-based visas (and 3 within reach).

✓ Meets the income bar

Philippines — SRRV Classic · bar ~$800/mo
Cyprus — Category F Permanent Residence (Reg. 5(f)) · bar ~$927/mo
Costa Rica — Pensionado (Rentista alt.) · bar ~$1,000/mo
Panama — Pensionado (Jubilado) · bar ~$1,000/mo
Peru — Resident Rentista · bar ~$1,000/mo
Portugal — D7 (Passive Income / Retirement) · bar ~$1,069/mo
Argentina — Temporary Residence — Pensionado · bar ~$1,252/mo
Ecuador — Pensioner (Jubilado) / Rentista · bar ~$1,446/mo
Colombia — Migrant (M) Visa — Pensioner · bar ~$1,672/mo
France — Long-stay Visitor (visiteur) · bar ~$1,718/mo
Belize — Qualified Retirement Program (QRP) · bar ~$2,000/mo
Thailand — Non-Immigrant O-A (Long Stay) · bar ~$2,000/mo

~ A stretch (within 1.5×)

Spain — Non-Lucrative Visa (NLV) · bar ~$2,789/mo
Indonesia — Silver Hair Retirement KITAS (E33E) · bar ~$3,000/mo
Italy — Elective Residence Visa (ERV) · bar ~$3,002/mo

◆ Funds-based (judged separately)

Georgia — Short-Term Residence Permit (Property Owner)
Malaysia — MM2H (Silver tier)
Malta — Malta Retirement Programme (MRP)
Türkiye — Short-Term Residence Permit (Property Owner)

No fixed income minimum

Chile — Temporary Residence — Pensioner / Rentista
Uruguay — Legal Permanent Residence (Rentista / Pensionado)

Financial requirement not published

Croatia — Temporary Stay — Other Purposes

Out of reach on income

Greece — Financially Independent Person (FIP) · bar ~$4,068/mo
Mexico — Temporary Resident (economic solvency) · bar ~$4,727/mo

Income bar only. Most of these also require proof-of-funds/deposits and that the income be genuinely passive. The colored dot shows each figure's confidence (green = official, blue = statutory, amber = consular benchmark, grey = secondary). Not legal advice — verify the current figure with the consulate.

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Read the confidence label before you rely on a number

Official — verified on a government/consulate page or the statute.
Statutory basis — the rule is in law but the amount is indexed (e.g. 3× the minimum wage) and re-floats, usually each January.
Consular benchmark — a figure consulates apply in practice; the exact number is not fixed in law (Italy's floor is a decree formula expressed as ~€31,000; Portugal D7's exact number).
Secondary — corroborated across reputable sources but not read off a live government page this cycle.

These thresholds change frequently. This is decision-support, not legal advice — verify the current figure with the consulate before acting.

Country & visa	Min income	~USD/mo	Deposit / proof-of-funds	Confidence	Source
PhilippinesSRRV ClassicpassiveCurrent PRA materials revised in September 2025 present Classic and Courtesy, with principal-applicant age 40. Classic deposits scale by age and pension status ($15k/$25k/$30k/$50k); annual fees are $360 Classic, $100 Courtesy foreign national, and $50 Courtesy former Filipino, each covering the principal plus two dependants.	$800/moPRA	~$800	Bank deposit: $15,000 (50+ with pension) up to $50,000 (40–49, no pension), in an accredited PH bank — convertible to a condo purchaseFamily: First 2 dependents included; +$15,000 deposit per dependent beyond two	Official	Philippine Retirement Authority (Pchecked 2026-09-06
CyprusCategory F Permanent Residence (Reg. 5(f))passiveThe statutory floor is low but discretionary — income must be entirely foreign-sourced and the permit prohibits any local employment or business. Verify the exact euro figure with CRMD.	€9,568/yrStatutory floor ~€9,568/yr	~$927	~€15,000–20,000 in a Cyprus bank expected in practice; usually must secure Cypriot propertyFamily: +€4,613/yr per dependent	Secondary	Civil Registry & Migration Departmchecked 2026-06-25
Costa RicaPensionado (Rentista alt.)passivePensionado requires a guaranteed LIFETIME pension; the Rentista route needs $2,500/mo stable monthly income for at least 2 years, evidenced by bank documents. A standalone $60,000 deposit alternative is not stated in the current regulation. (Older $600 figures circulating online are from a superseded decree.)	$1,000/moCurrent Pensionado law art. 81	~$1,000	—Family: Unknown — not separately quantified	Statutory basis	Costa Rica SINALEVIchecked 2026-10-13
PanamaPensionado (Jubilado)passiveThe pension must be LIFETIME/guaranteed (annuity-style) from a government, international org, or company — a drawdown 401(k) that can be exhausted does NOT qualify.	$1,000/moDecreto Ley 3 de 2008	~$1,000	—Family: +$250/mo per dependent	Statutory basis	Servicio Nacional de Migraciónchecked 2026-09-06
PeruResident RentistapassiveThe qualifying pension or permanent income may be Peruvian or foreign, but foreign income must be paid into Peru through a supervised bank or financial institution.	$1,000/moSuperintendencia Nacional de Migracion	~$1,000	—Family: The official page does not publish a numerical dependent uplift.	Official	Superintendencia Nacional de Migrachecked 2026-09-19
PortugalD7 (Passive Income / Retirement)passiveIncome must be genuinely passive (pension, rental, dividends). Remote employment routes to the D8 digital-nomad visa instead. The threshold moves with the minimum wage each year.	€920/moTied to the Portuguese minimum wage (€	~$1,069	~€11,040 (12× minimum wage) expected in a Portuguese bank accountFamily: +50% for spouse, +30% per child	Consular benchmark	Portuguese Ministry of Foreign Affchecked 2026-10-13
ArgentinaTemporary Residence — PensionadopassiveThe income must be a regular, permanent foreign pension from a government, international organisation or private company. The ARS threshold re-floats whenever the SMVM changes; the USD equivalent uses the BCRA's 15 September 2026 retail selling average (ARS 1,532.27/USD).	1,919,000 ARS/moFive Salarios Mínimo Vital y Móvil: AR	~$1,252	—Family: The five-SMVM amount is required for each residence applicant in a family group.	Statutory basis	Dirección Nacional de Migraciones checked 2026-09-19
EcuadorPensioner (Jubilado) / RentistapassiveThe dollar figure equals 3× the SBU and resets every January, so a prior-year number is stale. Jubilado needs a foreign-institution lifetime-pension certificate; Rentista does not require a lifetime guarantee.	$1,446/mo3× the SBU (Ecuador minimum wage $482,	~$1,446	—Family: ~+$250/mo per dependent (approximate)	Statutory basis	Ley Orgánica de Movilidad Humana (checked 2026-09-06
ColombiaMigrant (M) Visa — PensionerpassiveEquals 3× the Colombian minimum wage, which rose ~23% for 2026 — old peso figures are quickly stale. Requires a verifiable lifetime pension (US Social Security / military retirement qualify); no age requirement.	$1,672/mo3× the monthly minimum wage (SMMLV COP	~$1,672	—Family: Unknown for income; beneficiary visas exist for dependents	Statutory basis	Ministerio de Relaciones Exteriorechecked 2026-09-06
FranceLong-stay Visitor (visiteur)passiveThe floor is statutory (CESEDA L426-20: the annual net SMIC) but re-floats with the SMIC, so a stale cited figure can itself trigger scrutiny. You sign an undertaking not to work in France.	€1,478/moCESEDA art. L426-20: resources at leas	~$1,718	Savings can offset lower income (e.g. ~€50k) at consular discretionFamily: Not codified; each accompanying adult expected to show comparable means	Statutory basis	France-Visaschecked 2026-09-06
BelizeQualified Retirement Program (QRP)passiveApplicants must be 40 or older and cannot engage in gainful employment or income-generating investment in Belize under QRP. It is a programme separate from ordinary permanent residence.	$2,000/moBelize Tourism Board: US$2,000/month o	~$2,000	Undertake to deposit the qualifying income in a Belize financial institution.Family: Spouse and children under 18 may be dependants; no separate published income uplift.	Official	Belize Tourism Boardchecked 2026-09-19
ThailandNon-Immigrant O-A (Long Stay)passiveApplicants must be 50 or older. O-A is applied for outside Thailand; the annual extension uses the same THB 800,000 / THB 65,000 financial test.	65,000 THB/moThai MFA: THB 65,000/month income, THB	~$2,000	THB 800,000 bank deposit; applicants may instead show THB 65,000/month income or a qualifying combination.	Official	Thailand Ministry of Foreign Affaichecked 2026-10-13
SpainNon-Lucrative Visa (NLV)passiveIncome must be passive — pensions, rentals, dividends. Employment, freelance and remote-work income are explicitly NOT accepted.	€2,400/mo400% of IPREM (€600/mo, 2026)	~$2,789	Means can be shown as a lump sum or recurring incomeFamily: +€7,200/yr (€600/mo, 100% IPREM) per additional family member	Official	Ministerio de Asuntos Exterioreschecked 2026-10-13
IndonesiaSilver Hair Retirement KITAS (E33E)passiveSilver Hair (E33E) needs no local sponsor but locks $50,000; the cheaper standard Retirement KITAS (E33F) is sponsor-based but its income figure is unpublished (sources diverge $1,500–$3,000/mo). Age floor is rising toward 60+.	$3,000/moE33E 'Silver Hair' golden-visa retirem	~$3,000	$50,000 deposited in a state-owned Indonesian bank (Silver Hair)Family: Uncertain	Secondary	Direktorat Jenderal Imigrasi (imigchecked 2026-06-25
ItalyElective Residence Visa (ERV)passiveThe floor is a decree formula (DM 11 May 2011: three times the annual Table A subsistence amount) that consulates express as about €31,000 per applicant. Income from employed work is NOT counted, and you typically must secure Italian housing before applying.	€31,000/yrConsular benchmark of about €31,000/yr	~$3,002	—Family: Uncertain — consulate-dependent; a July-2025 Rome court ruling found rigid per-person demands improper	Consular benchmark	Consolato Generale d'Italiachecked 2026-10-13
GreeceFinancially Independent Person (FIP)passivePassive foreign income only; you may not work in Greece. The expected significant presence (~183 days) carries tax-residency consequences.	€3,500/moFixed by Ministerial Decision 225679/2	~$4,068	Alt: ~€126,000 for the 3-year permit where income periodicity isn't provenFamily: +20% for spouse, +15% per child	Official	Greek Ministry of Migration & Asylchecked 2026-09-06
MexicoTemporary Resident (economic solvency)UMA-indexed, so the dollar figure moves with the exchange rate and each consulate prints its own conversion (San Diego 2026: $4,510/month or a $75,950 balance; Houston 2025: $4,342/$73,189). Permanent Residency by solvency requires far more.	79,771 MXN/mo680 UMA-days of monthly income over th	~$4,727	Alternative: an average balance of 11,460 UMA-days (MXN 1,344,373 at the 2026 UMA, with consulate-specific USD equivalents) over the prior 12 months (cannot be combined with income)Family: Unknown — confirm dependant requirements with the issuing consulate	Official	Consulado de México en Tecún Umánchecked 2026-10-13
ChileTemporary Residence — Pensioner / RentistapassiveApply from outside Chile. The authority requires evidence of the pension's amount and duration, or regular income from real estate or financial assets, but does not publish a fixed CLP floor.	—SERMIG requires a regular pension or r	—	—Family: Dependants may apply under the temporary-residence dependant category; no published numerical uplift.	Official	Servicio Nacional de Migraciones (checked 2026-09-19
CroatiaTemporary Stay — Other PurposespassiveNo dedicated retiree route exists. The alternative requires a genuine other-purpose basis, accommodation, health insurance and proof of means; do not treat Croatia's digital-nomad income floor as a pensioner threshold.	—Croatia has no dedicated retirement or	—	—Family: No retirement-specific numerical uplift is published.	Official	Ministry of the Interior of Croatichecked 2026-09-19
GeorgiaShort-Term Residence Permit (Property Owner)This is a property-based residence route, not a retirement visa. The US$150,000 value must be evidenced by an accredited assessor; agricultural land does not qualify.	—Georgia has no dedicated pensioner per	—	Non-agricultural Georgian property valued above US$150,000 equivalent in GEL, established by a certified assessor.Family: Spouse and children can qualify from the principal holder's property route.	Official	State Service Development Agency (checked 2026-09-19
MalaysiaMM2H (Silver tier)There is no income floor since 2024 — but the deposit isn't the whole cost: Silver also requires a residence purchase of at least RM 600,000 after approval. Check the official MM2H category page for current terms before applying.	—The 2024 overhaul REMOVED the income r	—	USD 150,000 fixed deposit; up to 50% may be withdrawn after approval for eligible purposes. Silver also requires a compulsory residence purchase of at least RM 600,000.Family: One fixed deposit covers spouse + dependents (per application)	Official	Ministry of Tourism, Arts and Cultchecked 2026-09-23
MaltaMalta Retirement Programme (MRP)passiveIt's a tax-residence programme, not a simple visa: pension must be ≥75% of chargeable income and remitted to Malta, with property + €7,500 minimum tax and a flat 15% on remitted foreign income. Replaced by the Individual Tax Programme from 1 January 2027 (LN 195/2026): €700,000 purchase or €14,000/yr rent and €15,000 minimum tax for pensioners — applications filed by 31 December 2026 keep MRP terms until 31 December 2031.	—Pension-composition test (pension ≥75%	—	Property: buy ≥€275,000 (€220k Gozo/South) or rent ≥€9,600/yr (€8,750 Gozo/South); minimum tax €7,500/yrFamily: +€500/yr minimum tax per dependant	Official	Commissioner for Revenuechecked 2026-09-06
TürkiyeShort-Term Residence Permit (Property Owner)This is a generic short-term residence route, not a retirement visa. Property ownership alone must be paired with the purpose-of-stay documentation and cannot be presented as a pensioner programme.	—Türkiye has no dedicated retirement pe	—	Own a residential immovable property in Türkiye and use it as a home; the authority may request evidence of means.Family: Family members in jointly or shared-owned residential property may have an application right; no published numerical uplift.	Official	Presidency of Migration Managementchecked 2026-09-19
UruguayLegal Permanent Residence (Rentista / Pensionado)passiveThis is permanent legal residence, not a separate retirement visa. The official checklist asks for evidence that the foreign rent, pension or retirement income can support the applicant's expenses in Uruguay, without setting a fixed amount.	—Uruguay's National Migration Directora	—	—Family: No published numerical uplift; document each applicant's means of support.	Official	Dirección Nacional de Migración (Uchecked 2026-09-19

Sorted by approximate USD/month income (deposit-only visas last). “passive” = income must be pension/rent/dividends, not remote-work salary. USD figures are approximate at current FX, for comparison only.

Work out whether you clear the bar

The threshold is only half the question. These free tools answer the other half — what the money is worth once you land.

Retirement budget calculator →Model your monthly income against a destination's real costs.Retirement tax by country →How pensions and US Social Security are taxed where you land.Cost-of-living calculator →What your income actually buys, city by city.

Retiring abroad, answered

Frequently Asked Questions

How much income do you need to retire abroad?▾

It varies enormously by visa. The lowest income bars among the visas we track are around $800–$1,000/month (Philippines SRRV, Costa Rica/Panama pensionado), the European non-lucrative routes sit around $2,789–$4,068/month (Spain, Greece), and the highest is Thailand's LTR Wealthy Pensioner at $80,000/year. Several are deposit-driven instead of income-driven (Malaysia MM2H, Philippines SRRV). Every figure on this page shows its source and how confident we are in it.

Why does each row show a 'confidence' label?▾

Because not all of these figures are equal. Some are fixed in law and verifiable on a government page (official). Some are statutory rules whose dollar amount is indexed to a minimum wage and re-floats every January (statutory basis). Some — notably Italy's Elective Residence — have no exact figure fixed in law (Italy's decree sets a formula, three times a subsistence amount); the commonly-quoted numbers are consular benchmarks, not fixed legal minimums. France's visitor floor is statutory (CESEDA L426-20: the annual net SMIC) and re-floats with the SMIC. And some are corroborated from reputable secondary sources but we couldn't read them off a live government page this cycle. We label each honestly rather than presenting them all as hard facts.

Does the income have to be passive?▾

For most of these visas, yes — the income must be passive (pensions, rental, dividends, investments), not salary or remote employment. Spain's NLV and Portugal's D7 explicitly exclude remote-work income (that routes to a digital-nomad visa instead). Pensionado routes in Costa Rica and Panama require a guaranteed lifetime pension — a drawdown 401(k) that can be exhausted does not qualify.

How current are these figures?▾

Every row was sourced on 2026-06-25. But these thresholds change frequently: minimum-wage-indexed ones (Ecuador, Colombia) reset every January; Spain's IPREM moves with each budget; France's net SMIC changes twice in 2026. Treat this as decision-support and always confirm the current figure with the consulate before you act.

Methodology & provenance

Scope: minimum income / proof-of-funds for a single applicant to obtain residency without local work — retirement, pension, passive-income and non-lucrative visas.
Sourcing: every figure was researched from official immigration/consulate pages or the underlying statute on 2026-06-25. Figures with no credible source were omitted (e.g. Thailand's O-A retirement visa had no verifiable official URL this cycle; Indonesia's standard E33F income diverges with no government anchor).
Confidence labels: official · statutory-basis · consular-benchmark · secondary (defined above). We never present a consular benchmark as a legal minimum.
USD/month: an approximate comparison figure at current FX — the authoritative figure is the native-currency amount and its basis.
Volatility: minimum-wage-indexed figures re-float every January; Spain's IPREM and France's SMIC move within the year. Re-verify before deciding.

Decision-support, not legal advice. Full methodology

Working remotely, not retiring?

If your income is salary or freelance rather than passive, you likely need a digital-nomad visa instead — different rules, different thresholds.

Digital Nomad Visa Index Retire-abroad planning →

How to cite this data:

WhereNext. "Retirement & Passive-Income Visa Requirements 2026." getwherenext.com/data/retirement-visa-requirements-2026. Accessed 2026-06-25.

Licensed under CC BY 4.0. Free to use with attribution.

Suggested citation

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WhereNext composite — Retirement & Passive-Income Visa Requirements 2026 (2026-06-25). Derived from: Official immigration / consulate pages and statutes (per row — see each source link); WhereNext primary-source research, checked 2026-06-25. Available at https://getwherenext.com/data/retirement-visa-requirements-2026?utm_source=internal&utm_medium=citation&utm_campaign=data-citation. CC BY 4.0.

APA

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WhereNext. "Retirement & Passive-Income Visa Requirements 2026." WhereNext, 25 Jun 2026, https://getwherenext.com/data/retirement-visa-requirements-2026?utm_source=internal&utm_medium=citation&utm_campaign=data-citation. Accessed via https://getwherenext.com/data/retirement-visa-requirements-2026?utm_source=internal&utm_medium=citation&utm_campaign=data-citation. CC BY 4.0.

BibTeX

@misc{wherenext_getwherenext_com_data_retirement_visa_requirements_2026,
  author = {{WhereNext}},
  title = {Retirement & Passive-Income Visa Requirements 2026},
  year = {2026},
  url = {https://getwherenext.com/data/retirement-visa-requirements-2026?utm_source=internal&utm_medium=citation&utm_campaign=data-citation},
  note = {CC BY 4.0}
}

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