Your complete 2026 guide to retiring in Accra, Ghana. Costs, visa options, healthcare, safety, and quality of life — all in one place.
| Category | Single | Couple |
|---|---|---|
| Rent (1BR / 2BR) | $450 | $630 |
| Groceries | $200 | $300 |
| Utilities | $70 | $91 |
| Transport | $25 | $50 |
| Healthcare | $50 | $85 |
| Total | $795 | $1,156 |
Based on current cost of living in Accra, here's how long different savings amounts will sustain you:
| Savings | Single | Couple |
|---|---|---|
| $200,000 | 21.0 yrs | 14.4 yrs |
| $300,000 | 31.4 yrs | 21.6 yrs |
| $500,000 | 52.4 yrs | 36.0 yrs |
| $750,000 | 78.6 yrs | 54.1 yrs |
| $1.0M | 104.8 yrs | 72.1 yrs |
Assumes current costs, no investment returns or inflation adjustment. Calculate with your exact numbers →
Tax rates are indicative. Your actual liability depends on residency status, tax treaties, and personal circumstances. Consult a tax advisor.
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Try Wise for Free →A single retiree needs approximately $795/month in Accra, covering rent ($450), groceries, utilities, transport, and healthcare. A couple needs about $1,156/month.
Ghana has limited visa options for retirees. Check official immigration resources for the latest requirements.
Accra has a safety score of 45/100, ranking #143 out of 182 retirement destinations in our database.
Accra scores 38/100 for healthcare quality, ranking #171 out of 182 cities. Private health insurance for retirees 60+ costs approximately $60/mo.
With $500,000 in savings, a single retiree can expect their money to last approximately 52.4 years in Accra. For a couple, approximately 36.0 years.
Inheritance tax in Ghana: None. Capital gains tax: 0.15%. No wealth tax.
Our retirement data is compiled from multiple authoritative sources, cross-referenced for accuracy:
All data is for informational purposes only and updated periodically. Individual circumstances may vary. Consult a qualified financial advisor for personal retirement planning. Last updated: March 2026.