How to Retire in Bali as Foreigners: Pros, Cons, and Tips to Consider

Thinking about retiring in Bali and owning a home here? You’re not alone.

For many, it’s a lifelong dream. Imagine waking up to ocean breezes, enjoying a slower pace of life, and stretching your budget further than you could back home.

Sounds perfect, right? But before you pack your bags, there are a few things you need to know.

We’ve put together a simple guide that answers the most common questions from retirees, so you can see if Bali is the right move for you.

Key Takeaways

• Foreigners can retire in Bali if they meet the requirements: minimum age 55, proof of $3,000/month income or $50,000 lump sum, health insurance, a lease/rental contract, and hiring at least one local staff.
• Retirement in Bali offers lower living costs, warm tropical weather, diverse scenery, and good amenities, but comes with challenges like distance from family, language barriers, and different healthcare standards.
• Popular retirement areas include Ubud, Nusa Dua, Cemagi, Seseh, and Kaba-Kaba.
• The retirement process involves visiting Bali first, financial planning, securing housing, arranging transport, getting health insurance, hiring local staff, preparing documents, and applying for a KITAS visa.

Explore Top Villa Deals: Available Bali Villas for Sale – Leasehold and Freehold

Can Foreigners Retire in Bali?

Yes, foreigners can retire in Bali. For many people, it’s a dream come true. Imagine enjoying your relaxation days with a tropical paradise, a lower cost of living, and a high quality of life.

But before packing your bags, it’s important to understand the details, from the visa requirements to the possible tax implications of living in another country.

Indonesia has recently updated its visa and temporary stay permit rules, along with the visa codes and application process (both online and offline).

Read More: New Regulations Are Changing How You Buy Property in Bali

Basic Requirements to Retire in Bali

If you’re planning to spend your golden years in Bali under a retirement visa, there are a few conditions you’ll need to meet:

• Proof of financial stability: You must show a steady income of at least $3,000 per month or have $50,000 available as a lump sum. This ensures you can comfortably support yourself while living here.
• Minimum age requirement: You must be 55 years old or older to qualify.
• Hire local staff: You’ll need to employ at least one Indonesian citizen as household staff—this can be a helper, gardener, or driver.
• Health insurance coverage: You must have valid health insurance to handle medical needs while in Indonesia.
• Secure a place to live: A signed lease or rental agreement for your Bali home is required.
• No working rule: Retirement visas don’t allow you to work or run a business in Bali.
• Retirement KITAS: You’ll need to obtain a KITAS (temporary stay permit) designed for retirees.

For many Western retirees, these requirements are straightforward and easy to meet—especially compared to the stricter rules in other countries.

Step by Step to Retire in Bali

We spoke to several people who’ve already made Bali their retirement home, and here’s the approach they recommend.

1. Come and See the Island First

Before you think about visas, cars, or property, try to spend a few months actually living in Bali.

Bali is amazing—that’s why many foreigners choose it as home—but it’s not for everyone.

Treat your stay like a real test, not a holiday. Live as you would when you retire. Go grocery shopping, pay bills, cook at home. 

This will give you a true picture of daily life here and help you decide if the immigration process is worth it for you.

Read More: Is Bali a Safe Place to Live? 5 Tips for Risk-Free Villa Purchase in Bali

2. Check Your Finances

You can’t open a local bank account until you have your retirement KITAS (visa), but you can still review your money situation.

You’ll need at least $1,500 per month to live here comfortably, but to qualify for the visa you must show a monthly income of $3,000.

That means you’ll be funding your lifestyle entirely from your savings or income from abroad, because you can’t work legally in Bali on a retirement visa.

3. Find a Place to Live

Once you’re sure Bali is right for you, secure a lease or rental agreement.

Remember, foreigners can’t own land here, so while you can buy a property, the land it sits on won’t be yours.

Always get legal advice before signing anything, and visit the property in person to check the condition.

4. Decide How You’ll Get Around

If you plan to drive, you’ll need an International Driving Permit (SIM) plus a valid license from your home country. 

After your visa is sorted, you can apply for a local driving license within 6 months.

Transport here is usually a motorbike or car, either rented or bought. Public transport is limited, so if you don’t drive, expect to rely on ride-share apps like Gojek, Grab, or Maxim.

5. Sort Out Health Insurance

Medical care in Bali is cheaper than in many Western countries, but serious treatments can still get expensive. That’s why you’ll need valid health insurance.

Speak to multiple brokers or a financial planner to find a plan that fits your needs.

6. Hire Local Staff

To get your visa, you must employ at least one Indonesian citizen. This could be a housekeeper, driver, gardener, or chef. 

The cost is reasonable, but the current minimum wage is about 3 million IDR per month (around $185 USD).

7. Get Your Paperwork Ready

Gather all the required documents for your visa application. Using a local visa agent is highly recommended. They’ll save you time, stress, and help you avoid mistakes.

Read More: Buying Property in Bali as an Australian: 2025 Full Guide

8. Apply for Your Retirement Visa

Once everything is ready, you can apply for your retirement KITAS either from inside or outside Indonesia.

If you apply inside the country, you’ll need to leave and re-enter Bali to finalize the process.

Best Places to Retire in Bali

If you’re planning to retire in Bali, here are some top spots worth considering:

1. Ubud

Ubud is Bali’s cultural heart, perfect for those who want peace, greenery, and a deep connection with local traditions.

The local community is warm and welcoming, making it easy for newcomers to settle in.

While it’s not by the beach, Ubud offers everything you need at a more affordable cost—ideal for retirees who love art, nature, and a calm atmosphere.

Read More: Ubud or Sanur: Which One is Better for You?

2. Nusa Dua

Nusa Dua offers a slice of luxury living. This is the place for retirees who want a clean, well-kept, and safe environment with all amenities close by—including quality healthcare.

It’s more expensive than other areas, but you get peace, comfort, and a refined lifestyle in return.

3. Cemagi

Cemagi is your quiet coastal escape, offering beautiful ocean views and a slower pace of life. It’s perfect if you want a spacious home at a fair price while still being close to nature.

You’re away from the noise, yet not far from essential shops and services. This is for retirees who value tranquility and authenticity in their day-to-day life.

4. Seseh

Seseh blends peaceful beach living with a touch of modern comfort. It’s quiet, uncrowded, and home to a friendly community. 

You can enjoy scenic coastlines without the tourist rush, all while keeping living costs reasonable. 

It’s a great choice if you want a calm, sea-side retirement with the essentials close by.

5. Kaba-Kaba

Kaba-Kaba sits just outside the busier Canggu area, giving you the best of both worlds.

You’re close enough to enjoy cafés and conveniences but far enough to enjoy rice field views and a slower rural pace.

The area is growing, with new homes popping up while keeping its local charm. Living costs are fair, making it attractive for retirees who want authentic Bali living with modern comforts.

Read More: Top Things to Do in Canggu, Bali: An Insider’s Guide

Pros and Cons Retire in Bali

Why should you consider retiring in Bali? With its natural beauty and slow-paced lifestyle, many people agree that Bali is one of the best places to spend your later years. A report from Detiktravel even lists Bali as Asia’s fourth-best destination for retirees.

However, there are still some pros and cons to consider carefully:

Pros:

• Affordable living: While Bali is not as cheap as it used to be, the living costs are still much lower than in most Western countries.
• Tropical weather: Warm and pleasant all year round.
• Beautiful variety: From stunning beaches to tall mountains and even active volcanoes, there’s something for everyone.
• Plenty to do: Gyms, golf courses, medical clinics, supermarkets—you’ll find it all here. You can keep your hobbies or even pick up new ones.

Cons:

• Far from home: Friends and family will be much farther away.
• Language barrier. Not everyone speaks English, and learning Bahasa Indonesia takes time.
• Different health care: The system here isn’t the same as back home. You can get good care, but some treatments or procedures may be harder to arrange.

Conclusion: Your Retirement Dream in Bali Can Happen

Retiring in Bali is absolutely possible, and many people have already done it.

Sure, the process might feel a bit overwhelming at first, but with the right help, it can be smooth and stress-free.

That’s where we come in. At Bali Villa Realty, we help foreign investors find the right property and make the whole process hassle-free.

If you’re ready to retire or invest in Bali, let’s chat for free. We’ll go over your options, answer your questions, and help you take the next step toward your Bali dream.

Click the link below to book your FREE, no-obligation session today.

FAQ

1. How much money is enough to retire in Bali?

For a comfortable retirement in Bali, you’ll generally need about IDR 20,000,000 to 30,000,000 ($1,300 to $2,000) per month.

2. Where do older expats live in Bali?

Many retirees choose Ubud for its peaceful atmosphere, rich culture, and lush scenery. Some also pick Nusa Dua for its luxury amenities and quiet beaches.

3. What is the downside of living in Bali?

Even though Bali is often seen as a dream destination, it does have its downsides. You might feel far from friends and family, or find it hard to adjust to the island’s way of life.

4. Can you live in Bali for $1,000 a month?

Yes, it’s possible to live in Bali on $1,000 USD a month. Keep in mind that living costs have increased in recent years, and inflation is rising quickly in Indonesia.

5. Is Bali safe to retire?

Yes. Bali is as safe—if not safer—than most towns and cities in Western countries.

6. How much does a retirement visa cost in Bali?

There are two main costs: the visa itself and the fee for the agent who helps arrange it. Most retirees pay between $800 and $1,000 USD per year when using an agent. 

While it’s technically possible to apply on your own for less, the time and effort involved usually outweigh the small amount you’d save.