Dreaming of retiring in Bali?
Warm beaches, affordable living, friendly locals, and a slower pace of life make Bali one of Asia’s most attractive retirement destinations.
But the big question remains:
💭 How much money do you actually need to retire comfortably in Bali?
The answer depends on your lifestyle — and this guide breaks everything down for you.
Many retirees move to Bali for the same reasons:
lower living costs, culture, nature, and warm weather all year long.
But before packing your bags, understanding monthly expenses, visa options, and long-term living needs is essential.
After analyzing current 2025 living costs across Ubud, Canggu, Sanur, Uluwatu, and Denpasar, here’s what real retirees typically spend — and how much you should prepare.
✅ 1️⃣ Monthly Cost of Living in Bali (2025)
⭐ Budget Retiree — Rp 15–20 million / month
($950–$1,250)
Includes: simple rental home, local food, scooter, basic healthcare.
⭐ Comfortable Retiree — Rp 20–35 million / month
($1,250–$2,200)
Includes: modern apartment/villa, mix of local & Western food, private driver occasionally, travel, mid-range healthcare.
⭐ Luxury Retiree — Rp 40–70 million+ / month
($2,600–$4,500+)
Includes: private villa with pool, frequent dining out, premium healthcare, regular domestic travel, private driver.
✅ 2️⃣ How Much Total Savings Do You Need?
To retire comfortably and safely, here’s a guideline:
📌 Minimum recommended savings
➡️ $300,000 – $450,000 USD
📌 Ideal retirement savings
➡️ $500,000 – $800,000 USD
📌 Luxury retirement in Bali
➡️ $1 million+ USD
Your exact number depends on life expectancy, medical needs, and lifestyle choices.
✅ 3️⃣ Typical Monthly Expenses (Detailed Breakdown)
| Category | Average Monthly Cost |
|---|---|
| Housing (villa/apartment) | Rp 5m – 20m |
| Food & groceries | Rp 3m – 10m |
| Transport (scooter/driver) | Rp 1m – 4m |
| Healthcare & insurance | Rp 1m – 5m |
| Activities & travel | Rp 1m – 6m |
| Utilities & internet | Rp 1m – 2m |
Most foreign retirees say Bali is 40–60% cheaper than the U.S., Australia, or Europe.
✅ 4️⃣ Visa Options for Retiring in Bali
The Indonesian government does not have a “Retirement Visa On Arrival.”
But retirees can live long-term using:
✔ Retirement KITAS (55+ years old)
✔ Second Home Visa
✔ Long-Stay Social or Business Visa (converted)
Costs range $700–$2,000 per year depending on service provider.
✅ 5️⃣ Best Places in Bali for Retirees
🌿 Sanur – calm, beachside, retiree-friendly
🌾 Ubud – culture, yoga, scenery
🌊 Canggu – cafés, digital community, modern amenities
🐬 Lovina / North Bali – cheaper, quieter
⛰ Uluwatu – ocean cliffs & peaceful living
So, how much money do you need to retire in Bali?
➡️ $300,000 minimum for basic life
➡️ $500,000–$800,000 for comfortable retirement
➡️ $1 million+ for luxury living
With its affordable lifestyle, warm community, and natural beauty, Bali remains one of the world’s most attractive retirement destinations — as long as you plan your finances wisely.