Your complete 2026 guide to retiring in Lima, Peru. 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 | $95 | $124 |
| Transport | $20 | $40 |
| Healthcare | $35 | $60 |
| Total | $800 | $1,154 |
Based on current cost of living in Lima, here's how long different savings amounts will sustain you:
| Savings | Single | Couple |
|---|---|---|
| $200,000 | 20.8 yrs | 14.4 yrs |
| $300,000 | 31.2 yrs | 21.7 yrs |
| $500,000 | 52.1 yrs | 36.1 yrs |
| $750,000 | 78.1 yrs | 54.2 yrs |
| $1.0M | 104.2 yrs | 72.2 yrs |
Assumes current costs, no investment returns or inflation adjustment. Calculate with your exact numbers →
Here are the visa programs available for retiring in Peru:
Passive income/pension. Fast citizenship (2 years). Territorial tax first 3 years. Threshold estimate.
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 $800/month in Lima, covering rent ($450), groceries, utilities, transport, and healthcare. A couple needs about $1,154/month.
Peru offers 1 visa programs for retirees. The most accessible is the Peru Rentista Visa.
Lima has a safety score of 30/100, ranking #181 out of 182 retirement destinations in our database.
Lima scores 59/100 for healthcare quality, ranking #124 out of 182 cities. Private health insurance for retirees 60+ costs approximately $80/mo.
With $500,000 in savings, a single retiree can expect their money to last approximately 52.1 years in Lima. For a couple, approximately 36.1 years.
Inheritance tax in Peru: None. Capital gains tax: 5%. 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.