Your complete 2026 guide to retiring in Quito, Ecuador. Costs, visa options, healthcare, safety, and quality of life — all in one place.
| Category | Single | Couple |
|---|---|---|
| Rent (1BR / 2BR) | $400 | $560 |
| Groceries | $190 | $285 |
| Utilities | $50 | $65 |
| Transport | $15 | $30 |
| Healthcare | $45 | $76 |
| Total | $700 | $1,016 |
Based on current cost of living in Quito, here's how long different savings amounts will sustain you:
| Savings | Single | Couple |
|---|---|---|
| $200,000 | 23.8 yrs | 16.4 yrs |
| $300,000 | 35.7 yrs | 24.6 yrs |
| $500,000 | 59.5 yrs | 41.0 yrs |
| $750,000 | 89.3 yrs | 61.5 yrs |
| $1.0M | 119.0 yrs | 82.0 yrs |
Assumes current costs, no investment returns or inflation adjustment. Calculate with your exact numbers →
Here are the visa programs available for retiring in Ecuador:
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 $700/month in Quito, covering rent ($400), groceries, utilities, transport, and healthcare. A couple needs about $1,016/month.
Ecuador offers 1 visa programs for retirees. The most accessible is the Ecuador Retirement Visa.
Quito has a safety score of 38/100, ranking #166 out of 182 retirement destinations in our database.
Quito scores 58/100 for healthcare quality, ranking #129 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 59.5 years in Quito. For a couple, approximately 41.0 years.
Inheritance tax in Ecuador: 35% above $71,870. Capital gains tax: 0%. 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.