Your complete 2026 guide to retiring in Amsterdam, Netherlands. Costs, visa options, healthcare, safety, and quality of life — all in one place.
| Category | Single | Couple |
|---|---|---|
| Rent (1BR / 2BR) | $1,800 | $2,520 |
| Groceries | $350 | $525 |
| Utilities | $310 | $403 |
| Transport | $100 | $200 |
| Healthcare | $130 | $221 |
| Total | $2,690 | $3,869 |
Based on current cost of living in Amsterdam, here's how long different savings amounts will sustain you:
| Savings | Single | Couple |
|---|---|---|
| $200,000 | 6.2 yrs | 4.3 yrs |
| $300,000 | 9.3 yrs | 6.5 yrs |
| $500,000 | 15.5 yrs | 10.8 yrs |
| $750,000 | 23.2 yrs | 16.2 yrs |
| $1.0M | 31.0 yrs | 21.5 yrs |
Assumes current costs, no investment returns or inflation adjustment. Calculate with your exact numbers →
Here are the visa programs available for retiring in Netherlands:
No retirement visa. ~€1.25M net assets + Dutch investment. Very restrictive. Mandatory health insurance. 30% ruling may apply.
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 $2,690/month in Amsterdam, covering rent ($1,800), groceries, utilities, transport, and healthcare. A couple needs about $3,869/month.
Netherlands offers 1 visa programs for retirees. The most accessible is the Netherlands Wealthy Foreign National Permit.
Amsterdam has a safety score of 74/100, ranking #28 out of 182 retirement destinations in our database.
Amsterdam scores 82/100 for healthcare quality, ranking #4 out of 182 cities. Private health insurance for retirees 60+ costs approximately $200/mo.
With $500,000 in savings, a single retiree can expect their money to last approximately 15.5 years in Amsterdam. For a couple, approximately 10.8 years.
Inheritance tax in Netherlands: 20% above €25,187. Capital gains tax: 36%. Wealth tax applies.
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.