Is It Possible to Retire in Bali? Here’s What You Need to Know!

Bali has long been a dream destination for many—not just for vacations. But also as an ideal place to retire. Imagine waking each morning to the gentle sound of waves, lush green rice fields, and the tranquil atmosphere that Bali offers retirees. The island offers a perfect balance between peaceful living and modern comfort. With its warm climate all year round, calming scenery, and lower cost of living compared to many other retirement destinations in Asia. Bali continues to attract retirees from around the world. On top of that, the Balinese people are known for their friendliness and openness. Making it easy for newcomers to adapt to life on the island.

If you’re seriously considering retiring in Bali, it’s important to understand a few key things before making the move. From retirement visa options and monthly living costs to healthcare facilities and the best areas to live. This article will guide you through everything you need to plan your retirement in Bali with confidence. So, make sure to read until the end to get all the answers you need!

Why Many People Choose to Retire in Bali

Bali has long been one of the world’s most popular destinations—not only for vacations but also as a place to retire. Many people choose Bali because the island offers a rare balance of peace, comfort, and quality of life. Here are some of the main reasons why retirees from around the world decide to spend their golden years in Bali:

• Tropical climate all year round
  You can enjoy sunshine almost every day without having to deal with harsh winters. The warm temperature makes life feel more relaxed and easygoing. There’s no need for heavy clothing or indoor heating—just a light outfit and a calm tropical breeze.
• Affordable cost of living
  Compared to major cities abroad, living in Bali is much more affordable. From long-term rentals and healthy meals to cleaning services and private transport. Everything can be adjusted to your lifestyle and budget without sacrificing comfort.
• Active and friendly expatriate community
  In areas like Sanur, Ubud, and Canggu, you’ll find a large number of long-term expats and retirees who have already made Bali their home. Many of them are active in social gatherings, sports, and cultural events, making it easy for newcomers to connect, adapt, and build a fulfilling life.
• Growing healthcare facilities
  Bali now has several international-standard hospitals, especially around Denpasar and Ubud. With skilled medical professionals and English-speaking staff, healthcare services are safe, reliable, and easy to access for foreigners.
• A peaceful and balanced lifestyle
  After years of hard work, many people look for a slower, more meaningful pace of life. Bali provides exactly that. Whether it’s morning walks by the beach, yoga sessions, or enjoying rice field views in the afternoon, the island offers countless ways to live calmly and mindfully.

Retirement Age in Bali

If you’re planning to enjoy your retirement in Bali, age is one of the first things you should consider. The age of 55 is generally seen as the ideal time to begin retirement, as most people at this stage have achieved financial stability, gained valuable life experience, and are ready to embrace a slower, more relaxed lifestyle.

At 55, many start looking for a place that offers both comfort and tranquility—and Bali naturally becomes a top choice. The island’s calm atmosphere, warm climate, and laid-back rhythm of life make it a perfect setting for those seeking balance and peace of mind. It’s also a time when you can focus more on yourself—spending quality time with your partner, doing light exercise, or exploring new interests without work-related stress.

Additionally, the age of 55 is the minimum age requirement set by the Indonesian government to apply for a Retirement Visa (Retirement KITAS). So, if you’ve reached this milestone, it’s the perfect time to start planning your new chapter in Bali and experience retirement in a more meaningful and peaceful way.

Read more: Bali Retirement Visa Requirements: Everything You Need to Know Before Applying

Things to Consider Before Moving to Bali

Living in Bali might sound like a dream, but before you make the move, it’s important to understand what life on the island is really like. Bali offers many advantages for retirees, yet proper planning and adjustment are key to ensuring a comfortable and stress-free experience. You should also be aware of the basic requirements for retiring in Bali, such as meeting specific financial, age, and legal criteria. Here’s what you need to prepare before starting your new chapter in Bali.

1. Accommodation

Bali offers a wide range of housing options—from simple homes to luxury villa rental in Bali with full amenities. For those who prefer comfort without worrying about daily maintenance, renting a luxury villa is the best choice. Bali Premium Villa provides exclusive villas featuring modern tropical designs, private pools, spacious gardens, and complete housekeeping and security services.

You can choose a location that fits your lifestyle:

• Sanur is ideal if you prefer a quiet beachside community with a large expat population.
• Ubud offers lush greenery, rich culture, and a peaceful setting surrounded by nature.
• Canggu is more modern, filled with cafes, restaurants, and a socially active expatriate community.

Villa rental prices vary depending on the location and facilities. A one-bedroom villa with a private pool ranges from IDR 10–20 million per month, while a two-bedroom villa with full amenities can cost IDR 25–40 million per month. Annual contracts are usually more cost-efficient. When renting property in Bali, it is essential to have a formal rental agreement to protect your rights and clarify responsibilities. Before signing, always review and understand the lease or rental agreement, as it outlines legal considerations and terms of your stay. For long-term rentals, a lease agreement is necessary to secure your right to use the property for a specified period.

2. Cost of Living in Bali

Your living expenses in Bali will depend on your lifestyle and housing choice. Everyone’s needs are different, but most retirees in Bali budget for these types of expenses as part of their monthly living costs. Here are some basic expenses you should plan for:

• Accommodation – Monthly rent for your house, villa, or apartment based on location and amenities.
• Food and daily needs – Groceries, dining out, housekeeping, and personal care.
• Transport and communication – Budget for a private car, driver service, or ride-hailing apps, plus internet and phone costs.
• Leisure and lifestyle – Include expenses for social activities, fitness, dining, spa treatments, or short weekend trips around the island.
• Insurance and healthcare – Allocate funds for insurance premiums, medical check-ups, and emergencies.
• Home maintenance and additional services – Cleaning staff, gardening, security, and pool maintenance if you live in a villa. Hiring local staff or household staff is common among retirees, and wages should comply with the current minimum wage regulations.

By organizing these expenses in advance, you’ll be able to enjoy your retirement in Bali with confidence and financial stability.

3. Healthcare and Insurance

Healthcare should be one of your top priorities when planning retirement in Bali. The island now has many international-standard hospitals offering high-quality medical services with modern facilities. In addition to hospitals, there are numerous medical clinics providing general consultations, dental care, and specialized treatments, making healthcare accessible for residents and expats. These hospitals and clinics are mostly located in Denpasar, Ubud, and South Bali.

Most doctors and medical staff speak English fluently, making communication easy for foreigners. To ensure peace of mind, it’s strongly recommended to have international health insurance that covers both local and overseas treatments. When choosing a plan, carefully assess your individual medical needs to ensure you have adequate coverage for your specific health requirements.

Many retirees also work with Private Medical Concierge services, which assist with doctor appointments, hospital coordination, and home visits. With Bali’s improving healthcare infrastructure and access to personalized medical support, you can live comfortably without worrying about health issues.

For personalized advice on selecting the right health insurance and managing healthcare costs, consider consulting a financial planner.

4. Transportation

Since Bali doesn’t have a comprehensive public transportation system, having private transport is essential. Most expats prefer renting a car or hiring a private driver. Ride share apps like Gojek, Grab, or Maxim are also a convenient and popular way to get around Bali, especially for those who do not drive themselves. For added comfort and safety, you can use the luxury car rental in Bali with chauffeur from Bali Premium Trip.

This service is perfect if you don’t want to deal with traffic or parking hassles. A professional driver will take you anywhere—whether it’s for daily errands, medical appointments, or leisure trips to your favorite beach or restaurant. Vehicle options include Toyota Alphard, Mini Cooper Cabrio, and Mercedes-Benz, all maintained to premium standards and fully insured for your safety.

If you plan to drive yourself, visitors are required to obtain an International Driving Permit from their home country to drive legally in Bali. For long-term stays, you will also need to apply for a local driving license shortly after arrival.

Legal Matters and Residency Permits in Bali

To enjoy your retirement in Bali peacefully, you must ensure all legal documents and residency permits comply with Indonesian law. Understanding the immigration process and the application process for legal residency is crucial before making any move. This process requires careful attention, as every foreign resident must have valid immigration status and clear legal standing regarding any property they occupy.

Applicants must provide proof of financial eligibility, such as a bank account statement and a deposit in a state owned bank, to meet the requirements for residency. Visa codes and requirements have been recently updated, so it’s important to stay informed about the latest regulations. Certain regulations regarding property ownership and legal standing apply to both foreigners and Indonesian citizens.

1. Retirement Visa in Indonesia

For foreigners who wish to live in Bali during retirement, the Retirement Visa (Retirement KITAS) is the main legal basis for residency. There are several types of retirement visas and other visas available for long-term stay in Bali, each with specific requirements and conditions. Here are the key points you should understand:

• Purpose of the visa: Allows foreign nationals aged 55 and above to live in Indonesia for one year, renewable annually.
• Duration: Valid for 12 months and can be extended without leaving Indonesia.
• Benefits of the Retirement Visa:
• You can open a local bank account.
• You can legally rent and occupy a residence.
• You gain access to public services such as hospitals and local insurance.
• Restrictions: Holders of the Retirement KITAS are not permitted to work or engage in any business activities in Indonesia.
• Financial requirements: Applicants must demonstrate financial security, either through proof of regular income or by showing a lump sum deposit in a bank account.
• Professional assistance: The process becomes much easier if you use a visa concierge service. Our team can assist in preparing the necessary documents, such as sponsor letters, proof of residence, and insurance coverage, while ensuring everything complies with immigration regulations.
• Application process: Some steps in the application process may need to be completed in your home country, and you may be required to leave and re enter Bali to finalize your retirement visa or KITAS.

With this visa, you can live in Bali comfortably and focus on enjoying your retirement without worrying about your legal stay status.

2. Property Ownership and Usage Rights in Bali

As a foreigner, you cannot own land directly in Indonesia. Only an indonesian citizen can hold freehold title to land. However, you can still live legally through limited ownership schemes recognized by law, which are important considerations for anyone interested in property investment in Bali. The two most common options are:

• Hak Pakai (Right to Use)This allows foreigners to use a property for a specific period—usually 25 to 30 years—with the possibility of extension. The property remains under the Indonesian owner’s name, but you hold full usage rights as stated in the contract.
• Leasehold (Long-Term Rental)Under this system, you can lease land or buildings for long durations, typically 20 to 50 years, depending on the agreement with the landowner. Leasehold agreements can often be registered in your own name, giving you full rights to use the property during the lease period.

Legal Agreements and Notary Oversight

Before signing any contract, it’s essential to have all documents reviewed by a licensed notary or property lawyer in Bali. They will verify land certificates, prepare valid agreements, and ensure your rights are legally protected. To avoid legal risks, it’s best to work with a professional property law service in Bali. These specialists can help you:

• Verify the legality of land and building certificates.
• Draft and review lease or usage agreements.
• Provide tax consultation related to foreign property ownership.

Can Retirement Visa Holders Invest in Bali?

If you’re a foreign national holding a Retirement KITAS (Retirement Visa) and interested in investing in Bali, it’s important to understand that this visa is not designed for business or active investment activities. Its main purpose is for living in Indonesia—not for working, managing a company, or generating active income. Bali retirement offers unique opportunities for passive investment, allowing you to enjoy the benefits of living in a tropical paradise while your assets work for you.

However, this doesn’t mean that all forms of investment are completely prohibited. You can still make passive investments, as long as they don’t conflict with the visa’s main purpose.

So, can you invest while on a Retirement Visa? Yes, under certain conditions, you may engage in passive investment, provided you’re not directly involved in daily management or business operations. Many retired individuals find that holding shares in a company, providing capital investment, or owning rental properties managed by a third party fits well with their new lifestyle in Bali.

These types of investments are generally acceptable because they don’t classify as active work under Indonesian immigration rules. If you want a more flexible option and peace of mind, it’s best to apply for an Investment Visa instead. This visa allows you to legally earn income from your investments and participate in certain business activities.

Tips for a Smooth Relocation and Comfortable Retirement in Bali

Before fully moving and settling down in Bali, it’s important to prepare yourself well. Everyone needs time to adjust to a new environment, culture, and lifestyle rhythm on the island. Try spending a few months living in Bali temporarily to experience daily life before making a long-term decision. Here are some useful tips to help you adapt and enjoy a comfortable retirement in Bali.

• Use a Professional Relocation Service
  To make your transition smoother, consider using a professional relocation service in Bali. These services help you find the right home, handle legal documents, and ensure your visa and permits comply with local regulations. Many also assist upon arrival—providing airport transfers, address registration, and recommendations for hospitals or essential services.
• Learn Basic Indonesian
  Even though many Balinese people speak English, learning basic Indonesian will make your daily life much easier. You’ll be able to communicate better when shopping at local markets, speaking with neighbors, or arranging household services. Locals also appreciate foreigners who make an effort to speak their language—it’s a great way to connect.
• Respect Local Customs and Traditions
  Bali’s culture and traditions are deeply rooted in everyday life. Religious ceremonies, temple festivals, and community gatherings are all part of the island’s rhythm. Showing respect—by dressing modestly, speaking politely, and being mindful during ceremonies—will help you gain the locals’ trust and be warmly welcomed into the community.
• Join Expat Communities or Local Activities
  There are many expatriate communities in places like Sanur, Ubud, and Canggu that regularly host social gatherings, sports, and cultural events. Joining these groups will help you make new friends, get practical advice, and adapt faster to the local lifestyle. You can also take part in local activities to experience Bali’s authentic culture more closely.

Read more: Bali Visa Guide 2025: New Rules You Need to Know!

Plan Your Retirement and Move to Bali with Bali Premium Trip!

Bali is one of the best places in the world to enjoy your retirement. The island offers the perfect blend of tranquility, natural beauty, and modern comfort—something that’s hard to find elsewhere. You can enjoy warm weather all year round, peaceful surroundings, and a laid-back lifestyle without sacrificing high-quality facilities. However, to make your retirement experience truly smooth and worry-free, everything needs to be carefully planned—from residency permits and housing to adapting to the local culture and environment. This article serves as a comprehensive guide for those planning to retire in Bali, ensuring you have all the information you need for a seamless transition.

To make this process easier, you can rely on Bali Premium Trip’s professional relocation service in Bali. Our experienced team has helped many international retirees settle comfortably in Bali. We assist with every step—from finding the right villa that suits your needs, arranging all legal documents such as your Retirement Visa (KITAS), to organizing private transportation and healthcare coordination. With our local expertise and dedicated support, you can adapt quickly and enjoy your new life in Bali without stress.

Now is the perfect time to start living your dream retirement—peaceful, organized, and full of meaning. Contact Bali Premium Trip today for a private consultation, and let us help you begin this exciting new chapter of your retirement in paradise!