Retiring in Indonesia in 2026: how to get residence

8 min read · Published 6 October 2026

Indonesia has a retirement visa for foreigners aged 55 and over: it needs income from $3,000 a month, a sponsor and insurance. Under the treaty a Russian pension is taxed only in Russia, and life in Bali costs a couple from $900 a month.

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Key facts	2026
Age	from 55
Income	pension or passive income from $3,000 a month
In the account	from $2,000 for living in Indonesia
Term	a one-year permit, renewable; a 5-year option with a deposit from $50,000
Fees per year	~$400
Tax on a Russian pension	0% in Indonesia under the treaty with Russia
Work	not allowed

Data checked: 06.10.2026

Indonesia is one of the few Asian countries with a separate visa for retirees. It is issued to foreigners aged 55 and over with a pension or passive income from $3,000 a month, and the permit is granted for a year and renewed. Retirees most often choose Bali: the sea, warmth all year round and quiet Sanur with its hospitals.

For those with capital but no high income, the second home visa for 5 or 10 years with a deposit of about $120,000 works. Below is who qualifies, documents, insurance, taxes, a couple's budget, where people settle and the steps.

We will work out online the investment or income your family needs and what the permit costs for each member.

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Who can get residence as a retiree

The retirement visa is issued to foreigners aged 55 and over who can show a pension or other passive income from $3,000 a month and a balance of at least $2,000 for living in Indonesia. A sponsor in the country registered on the immigration website is required. The permit is issued for a year and renewed; there is a 5-year option if at least $50,000 is placed in a state bank account within 90 days.

Work is not allowed on the retirement visa. If the pension and passive income are below $3,000 but there is capital, the second home visa fits: a deposit of 2 billion rupiah, about $120,000, in a state bank or property from $1 million, for 5 or 10 years, with no age requirement.

retirees aged 55 and over with a pension and passive income from $3,000 a month;
those ready to keep at least $2,000 in the account, and a $50,000 deposit for the 5-year option;
holders of capital from $120,000 for the second home visa with no age requirement;
those not planning to work in Indonesia.

Documents and how to prove a Russian pension

a passport valid for at least 18 months and a photo;
proof of a pension or passive income from $3,000 a month;
a bank statement with a balance from $2,000;
a letter from the sponsor in Indonesia;
health insurance valid in Indonesia;
a housing lease;
translations of documents into Indonesian by a sworn translator.

A Russian pension is proved with a pension statement from the Gosuslugi portal or the Social Fund and statements showing it arrives every month. Income from work and business does not count for the retirement visa; pensions, interest, rent and annuity payments do.

A Russian pension alone rarely reaches $3,000, so income is combined from the pension, renting out a flat and deposit interest. If the sum falls short, the retirement visa is compared with the second home visa.

Health insurance

The retirement visa requires health insurance valid in Indonesia. Private clinics in Bali and Jakarta are of a good standard and a doctor's visit costs $30-85, but serious treatment without insurance is expensive, and many fly to Singapore for complex cases.

For people over 55 a policy costs more and may exclude chronic conditions. It is chosen before applying, checking whether it covers evacuation to another country.

Tax on your pension and the treaty with Russia

You become an Indonesian tax resident after 183 days in the country in any 12 months or if you intend to live there. A resident pays tax at 5-35% on worldwide income.

But under the double tax agreement with Russia a pension is taxed only in the country that pays it. So a Russian pension is not taxed in Indonesia, and in Russia the state pension is not taxed at all. Interest, rent and dividends from Russia are taxed for an Indonesian resident. More in taxes in Indonesia.

Monthly budget for a couple

Monthly item	Amount
Housing in Sanur or Denpasar	$340-560
Electricity, water, internet	$85-170
Groceries for two	$340-670
Scooter rental	$60-85
Private clinic visit	$30-85
Total for a couple in Sanur	from $900

The total for a couple in Sanur: housing from $340, utilities and internet from $85, groceries from $340 and transport, excluding insurance. Rent in Canggu and Seminyak is noticeably higher, while Ubud is cheaper but more humid. A consultant in the chat will calculate it for your area.

We find a sponsor and see you through to the stay permit

Indonesia's retirement visa needs a sponsor in the country, income from $3,000 a month as a pension or passive receipts, and sworn translations. Retirees lose months when the income in their statements is below the threshold or the wrong pension document is filed. We choose the route for your income and capital, act as sponsor through partners, prepare documents and handle the yearly renewal.

A consultant will calculate the support fee in the chat.

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Where retirees settle

Sanur in Bali is the top choice for retirees: calm and flat, with pavements, a seafront promenade and hospitals. Ubud offers greenery, rice fields and cooler air, but no sea and high humidity. Canggu and Seminyak are noisy and expensive, mostly home to remote workers. More in the guide to Bali.

Jakarta has the best hospitals and big shopping centres, but traffic and heat; foreigners live in green Menteng and Kemang. Lombok next to Bali is quieter and cheaper, while Bandung and Yogyakarta on Java attract with a cooler climate and cultural life.

The climate is tropical: warm all year, with the rainy season roughly from November to March.

Steps and timelines

Step	Timeline
Choosing the route and a sponsor in Indonesia	before filing
Income documents, insurance, lease, translations	2-4 weeks
Filing on the immigration website and paying fees	online
E-visa and entry	after approval
Stay permit and biometrics at the immigration office	after entry
Renewal	every year, or the 5-year option with a deposit

Fees for a year are about $400: the visa, application check, stay permit and re-entry permit. For the 5-year option the deposit from $50,000 is placed in a state bank within 90 days of the permit being issued.

Common reasons for refusal

income below $3,000 a month or not backed by statements;
salary or business income included in the income;
an account balance below $2,000;
no sponsor in Indonesia;
insurance not valid in Indonesia;
no sworn translation of documents or overstays on past trips.

The most common mistake is showing a pension together with a salary. Only pensions and passive income count for the retirement visa, so the sum is put together in advance from the pension, rent and interest.

This topic in other countries

Retiring in other countries:

FAQ

Does Indonesia have a retirement visa?

Yes, for foreigners aged 55 and over with a pension or passive income from $3,000 a month. The permit is issued for a year and renewed.

What pension is needed for an Indonesian visa?

From $3,000 a month together with other passive income, and a balance from $2,000. Salary and business income do not count.

Is a Russian pension taxed in Indonesia?

No. Under the treaty with Russia a pension is taxed only in the country that pays it, and in Russia the state pension is not taxed.

How much does the Indonesian retirement visa cost?

Fees for a year are about $400. Insurance, translations and rent are extra.

Can you get a 5-year visa?

Yes, if at least $50,000 is placed in a state bank within 90 days. Another route is the second home visa for 5 or 10 years with a deposit of about $120,000.

How much does retired life in Bali cost?

A couple in Sanur needs from $900 a month excluding insurance: housing from $340 and groceries from $340.

Is health insurance required?

Yes, the policy must be valid in Indonesia. It is chosen before applying, checking whether it covers evacuation to another country.

Can you work on an Indonesian retirement visa?

No. The visa is designed for living on a pension and passive income.

Don’t want to figure this out alone?

We handle the whole process end to end: we check your documents, match a program to your situation and give you honest timelines and costs. Ask your question in the chat: the free consultation starts right here. Legal representation before authorities and courts is handled by Murblz specialists together with locally licensed partners.

The Murblz consultant replies straight away in the chat on this page. Describe your situation and we will work it out together.

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