After decades of working and saving diligently, retiring on a beach in Canggu or slow living in Yogyakarta’s serenity may sound like a dream. The sunny weather, fresh dewy mornings with more affordable expenses, and new cultural experiences may be appealing if you’re approaching retirement.
A 2024 report by Monmouth University revealed that one in three Americans (34%) would choose to retire abroad if given the freedom. Google search trends, according to IFA Magazine, mirror this shift: in the UK, over 6,100 monthly searches were recorded for “retire to [country]” in July 2024, up from 4,700 in July 2023, signalling a growing interest in cross-border retirement.
Though long a magnet for short-term tourists, Indonesia remains an under-the-radar choice for retirement. Yet with its affordability, diversity, and evolving infrastructure, the archipelago holds strong appeal for those seeking both comfort and discovery in their golden years.
5 Best areas to retire in Indonesia
Retire in Bali
Digital nomads and expats have long loved Bali, and retirees are also drawn to its tropical environment, reliable infrastructure, and strong network of international communities. Bali seamlessly blends modern comforts with peaceful natural living, ranging from Sanur’s refined tranquility to Ubud’s yoga-infused culture and Canggu’s coastal allure. Private healthcare and international clinics are readily available, and a thriving social scene makes integration easy.
Retire in Lombok
Often dubbed “Bali’s quieter sibling,” Lombok offers untouched beaches, a slower pace of life, and lower living costs. It’s an ideal location for retirees seeking tranquility, outdoor adventures, and strong local culture without the heavy tourist crowds. The development of Mandalika as a special economic zone may also offer long-term infrastructure and property investment potential.
Retire in Yogyakarta
Imagining a slow living in Indonesia? Known as the cultural soul of Java, Yogyakarta blends heritage with hospitality. Its affordable cost of living, strong community feel, and access to traditional arts and education make it attractive to retirees looking for meaningful engagement over beachfront real estate. With good local healthcare and an easy pace of life, it’s ideal for those prioritizing depth and authenticity.
Retire in Jakarta & Bandung
While Jakarta may not be the first place that comes to mind for retirement, the current Indonesian capital offers strong medical care, international standard housing, world-class dining, and a variety of international communities. It’s best suited for retirees who are still actively engaged in business, social circles, or who want to stay close to international airports for frequent travel.
Bandung is nestled in West Java’s highlands and known for its colonial architecture, culinary scene, and university-town energy. It provides a comfortable urban lifestyle with less congestion than Jakarta and a more temperate climate. For retirees who value greenery, creative culture, and weekend getaways, Bandung checks many boxes.
As engaging as it sounds, staying in Indonesia may also still require you to undergo several entry application processes, such as obtaining entry visas to allow you easy access to enjoy facilities as a resident in Indonesia. This article will guide you through navigating the right visa applications, and securing your retirement days in indonesia.
Indonesia Retirement Visa: Who is it for and what are the benefits?
Indonesia’s government through the Directorate General of Immigration offers a tailored retirement visa to provide foreign nationals age 55 years and above with the opportunity to reside in Indonesia long term. Designed for those who want to retire in Indonesia, this visa class offers a balance of tropical lifestyle, cost-effectiveness, and cultural richness.
Once granted, a retirement visa holder enjoys a range of benefits, including access to long-stay residency (initially 1 year, renewable), eligibility for a local bank account, domestic staff, and simplified renewal processes. Indonesia’s retirement visa program is an increasingly attractive option for retirees seeking a more relaxed lifestyle in one of Southeast Asia’s most scenic destinations.
What are the types of Retirement Visa in Indonesia?
There are several Indonesian retirement visa options, each catering to different needs and durations of stay. These include:
- The Retirement ITAS (Limited Stay Permit), commonly issued for 1-year stays and renewable.
- The Retirement KITAP (Permanent Stay Permit), available to those who have held a KITAS for five consecutive years.
- Indonesia’s Golden Visa program, introduced as a premium alternative with extended validity for high-net-worth individuals.
Each path involves distinct retirement visa application and requirements, such as proof of pension or financial capability, age minimum, and accommodation arrangements.
Retirement KITAS
The Retirement KITAS, also known as ITAS Lansia or Retirement ITAS, is the standard visa type for foreigners aged 55+ looking to live in Indonesia. Issued for one year and renewable annually, it requires proof of stable income, health insurance, and a lease or ownership of property in Indonesia. This visa is the most common first step for retirees entering the country’s long-stay residency pathway.
How to apply for a Retirement ITAS
Silver Hair Visa
The recently introduced Silver Hair Visa functions as Indonesia’s retirement visa to provide a more streamlined and inclusive option for foreign retirees. It simplifies certain requirements, accommodates a broader financial profile, and is part of Indonesia’s strategy to attract ageing foreign nationals to contribute to the local economy through long-term residency.
How to apply for a Silver Hair Visa
Retirement KITAP
Foreigners who have held a KITAS for five consecutive years may be eligible to convert to a Retirement KITAP, or Permanent Stay Permit. The KITAP eliminates the need for annual renewals and provides a stable legal foundation for retirees to establish permanent residence in Indonesia. It reflects a growing governmental push to support long-term foreign residents through simplified immigration structures.
How to apply for a Retirement ITAP
How to apply for a Retirement Visa for Indonesia?
Foreign nationals who wish to live in Indonesia long-term after retirement can apply for an ITAS Lansia, also known as the Retirement ITAS. This temporary stay permit is designed for retirees aged 55 years and above, offering a renewable stay period of up to 12 months.
To apply, individuals must submit their application through a licensed visa agent approved by Indonesia’s Directorate General of Immigration. The process typically includes obtaining a visa pre-approval (telex), converting it into a Retirement ITAS upon arrival, and registering with local authorities.
Document Requirements
- Applicants for the Retirement Visa must prepare the following documents:
- Valid passport with minimum 18 months validity
- Proof of pension income (minimum US$1,500/month or equivalent)
- Health and life insurance valid in Indonesia
- Lease agreement for accommodation (minimum one-year stay)
- Statement of no employment or work activity in Indonesia
- Passport-size photographs
- Curriculum vitae
- Sponsorship letter from a licensed agent
Age Requirements
ITAS and ITAP
The Retirement ITAS (ITAS Lansia) is available for individuals aged 55 years and above. There are no exceptions to this minimum age requirement under current immigration law.
Golden Visa Programme
For Indonesia’s new Golden Visa Programme, including the Silver Hair Visa, the minimum retirement visa requires applicants to be 60 years old and meet a higher financial threshold.
Initial Investment to retire with Silver Hair Visa
To qualify for the Silver Hair Visa under the Golden Visa Programme, applicants may need to show proof of an initial investment or passive income. The exact amount has not been officially fixed but is expected to range between US$50,000–100,000, or equivalent in savings, property ownership, or insurance coverage, depending on the visa tier selected.
Visa Fee
The visa fee for the standard Retirement visa ranges from IDR 10 million to IDR 15 million, depending on the agent, duration, and service level. The Silver Hair Visa under the Golden Visa tier may incur higher fees due to its multi-year validity and processing requirements, potentially reaching IDR 30 million or more.
FAQ about retiring in Indonesia as a foreigner
Can I use Retirement Visa to work in Indonesia?
No, a Retirement KITAS does not permit you to work in Indonesia. This visa is strictly for individuals who wish to reside in Indonesia for non-employment purposes. Engaging in paid work or business activities under a Retirement visa is a violation of immigration law and may lead to visa revocation or deportation. For those intending to work will require Work KITAS or business visa.
Can Retirement KITAS sponsor other Indonesia Visas like Dependent Visa?
Yes, a KITAS holder can sponsor a Dependent Visa for a legally married spouse. However, it does not extend to other family members like children or domestic staff. The sponsorship is limited and must follow the immigration guidelines under Indonesia’s Ministry of Law and Human Rights.
Can I buy a property in Indonesia under Retirement KITAS?
While foreigners cannot own land in Indonesia outright, they can still lease certain residential properties under the Hak Pakai (Right to Use) scheme. This permits long-term lease agreements (up to 80 years), particularly in designated areas and property types.
For legal clarity and compliance, it’s highly recommended to work with a licensed visa and property consultant. LMI Consultancy offers integrated support in both immigration and real estate compliance to help retirees navigate property rules without legal complications.
What are the benefits of partnering with a trusted visa agent in Indonesia?
Partnering with a trusted visa agent like LMI Consultancy can make all the difference in securing your Retirement KITAS smoothly.
LMI offers:
- End-to-end visa management with full compliance
- Ongoing support for renewals, reporting, and legal stay
- Expert guidance on auxiliary needs like property, insurance, and dependents
- A track record of over 35,000 successful immigration cases
In an environment where regulations are often complex and subject to change, working with LMI Consultancy means peace of mind and expert navigation throughout your retirement journey in Indonesia.
