How to retire in Bali: the permit, the monthly budget and what you can own

Yes, from age 55, but only through a stay permit that carries a money test. Indonesia lists two. The E33F is a one-year permit that a licensed sponsor files for you. The E33E, called Silver Hair, runs up to five years and you apply on your own.

Neither lets you work for a local employer. Both count as a KITAS, the limited stay permit. Our guide to long-stay visas compares them with the remote-work and investor permits, so this page stays with the retiree.

Rules and consultant summaries disagree on several numbers, and the gaps are noted below. Treat every threshold here as a starting point and confirm it with your sponsor on the day you file.

Source: Directorate General of Immigration permit cards E33F and E33E, as read on September 25, 2026; Emerhub, Retirement visa guide, 2026

The core test is age, steady income and proof of funds. The official E33F and E33E cards, as we read them on September 25, 2026, set the age at 55. Foreign-currency thresholds below are converted at the Bank Indonesia JISDOR rate of September 25, 2026.

Income is where the sources split. The immigration cards ask about Rp 53.7 million a month for both permits. Several agents quote about Rp 27 million a month for the E33F, and one quotes about Rp 35.8 million. Age splits too: Emerhub and XPND put the E33E at 60. Ask your sponsor which figure the office in your district applies.

Agents also ask for a rental contract of at least 12 months, health insurance valid in Indonesia and a pledge to hire a local helper after arrival. The current cards, as we read them, don't list these three items. Plan for them anyway, because sponsors file them as standard.

Source: Directorate General of Immigration cards E33F and E33E, September 25, 2026; Emerhub, XPND (May 5, 2026), BaliEasy and Bali Exception (December 10, 2024) permit guides; JISDOR, September 25, 2026

The E33F lasts a year and renews each year, up to five renewals according to XPND and BaliEasy. The E33E is granted for up to five years in one go. Enter Indonesia within 90 days of approval, or the visa lapses.

Several consultants say five unbroken years on the retirement permit make you eligible for a KITAP, the permanent stay permit. Article 54 of Immigration Law 6/2011 names retirees among those who can move up. We found no open official text that fixes the waiting period, so treat five years as the common reading, not a rule.

Don't let it run out. An overstay costs Rp 1 million for each day. Renewals from May 2025 need an in-person biometric visit, XPND says, so file at least 60 days before expiry.

Source: XPND, Retirement KITAS, May 5, 2026; BaliEasy E33F page, 2026; Immigration Law 6/2011, Article 54; our long-stay guide on overstay fines

A couple spends about Rp 11.8 million a month on food, transport, utilities, state health cover, visas and a part-time cleaner. A single retiree needs Rp 5.2 million. Both figures leave out rent and international insurance, and both come from our September 2026 count in the cost of living guide.

Rent decides the rest. We collected 480 long-term listings in September 2026. Rents run from Rp 6.8 million for a median small Denpasar apartment to Rp 36 million for a Canggu villa with two bedrooms. Signing for a year saved 22% against monthly pricing in the same sample.

Add the visa itself. The E33E has a one-off Rp 13 million fee, plus the Rp 895 million that sits in the bank and returns to you. The E33F adds sponsor fees every year. XPND and Liberty Mundo put full-service agent fees at roughly Rp 14 million to Rp 32 million for a first-year file.

Source: Rise Real Bali cost-of-living calculation and 480-listing rental sample, September 2026; XPND and Liberty Mundo agent-fee ranges, 2026, converted at JISDOR, September 25, 2026

For routine care, yes. For anything serious, you need a private policy with evacuation. A GP visit at BIMC costs Rp 350,000 in office hours, and the large private hospitals bill international insurers directly. Bali International Hospital, in the Sanur health zone, has taken patients since April 2025.

The national scheme, BPJS Kesehatan, sells first-class cover at Rp 150,000 monthly this year. Whether a non-working permit holder can join depends on paperwork, so ask the BPJS office before you count on it. BPJS doesn't pay for evacuation to Singapore or Australia.

Insurers price by age and medical history, and they publish no tables. Get a quote before you move, and ask about pre-existing conditions. A condition you declare late can void a claim. Our healthcare and insurance guide lists the clauses that decide whether a claim pays.

Source: BIMC Hospital Bali membership page, September 2026; Kemenko Perekonomian on Bali International Hospital, 2026; Presidential Regulation 59/2024 on BPJS contributions

Yes, but the permit itself gives no right to a freehold title. Hak Milik, true freehold, belongs to Indonesian citizens only under Basic Agrarian Law 5/1960. A foreigner living here on any KITAS can register Hak Pakai personally, a use right over the land.

Two limits apply. The price floor for a Bali house is Rp 5 billion, and Rp 2 billion for an apartment, under the 2022 ministry price decree. The property must be your home, one house or apartment per person or family. If you stop living in Indonesia, the rules require you to sell or transfer the right within one year. Read our Hak Pakai guide before you shop.

Below that price, a leasehold has no floor and needs no permit. Our catalog's median lease runs 27 years. A lease ends worth nothing, so a retiree who wants to leave something to heirs should compare it against a titled home in leasehold vs freehold. Many retirees rent for the first year anyway, which the E33F contract also needs. Browse homes in our catalog once you know your permit.

Source: Basic Agrarian Law 5/1960, Article 21; Ministry decree on minimum foreign-ownership prices (1241/2022); Government Regulation 18/2021; PP 41/1996 as restated in PP 103/2015; Rise Real Bali catalog count, September 2026

Pick the area by hospital access and daily pace, not by the beach-club count. Sanur sits beside the Sanur Special Economic Zone and Bali International Hospital, and it has a seafront promenade. Many visitors there already stay a month or more for medical care, so landlords know long-stay tenants. Nusa Dua is a planned resort. The water is calm, the gates are guarded and the airport is twenty minutes off.

Inland, Ubud suits a quieter rhythm, with the trade-off of a longer drive to a major hospital. Canggu and the west coast skew toward cafés and younger traffic, and rents there are among the highest on our list.

Test two areas on one-month rentals before you sign for a year. Our moving to Bali guide lays out that scouting step, and the rent or buy guide compares rents area by area.

Source: Kemenko Perekonomian on Bali International Hospital and the Sanur zone, 2026; Rise Real Bali area pages and rental sample, September 2026

Spend over 183 days in a 12-month span and Indonesia can tax your worldwide income as a resident, at 5–35%. A non-resident pays a flat 20% on Indonesian-source income such as rent. The tax office's 2025 rule PER-23/PJ/2025 also reads a long stay permit as intent to live here, per KPMG's February 2026 note.

Your pension is taxed under your home country's rules and its tax treaty with Indonesia, which assign taxing rights by pension type. A government pension and a private pension often fall under different treaty articles. Ask your home-country adviser before the first year ends. Our NPWP and tax residency guide explains the registration, and the property tax guide covers what a purchase adds.

Source: Income Tax Law 7/1983 as amended; tax directorate regulation PER-23/PJ/2025; KPMG Indonesia, February 2026; Liberty Mundo, Retire in Indonesia, June 27, 2026

FAQ