Retire in Indonesia (Bali)

Your complete guide to financial independence in Indonesia (Bali) for 2026

Ultra-low cost of luxury, but infrastructure can be a trade-off.
💰
30%
Cost of Living
vs NYC baseline
🏠
$700
Average Rent
per month
📊
10.0%
Capital Gains Tax
on investments
🛡️
6/10
Safety Score
security rating

How Much Do You Need to Retire in Indonesia (Bali)?

Lean FIRE
Rp264,000
For Rp600/mo lifestyle
Moderate
Rp396,000
For Rp900/mo lifestyle
Comfortable
Rp528,000
For Rp1,200/mo lifestyle
Luxury
Rp660,000
For Rp1,500/mo lifestyle
Note: These calculations use the 3.0% safe withdrawal rate and include Indonesia (Bali)'s 10.0% capital gains tax.

Visa & Residency Options

Available Visas

Remote Worker Visa (E33G) / Kitas

Cost by Location Type

Urban
Rp840
20% more
Suburban
Rp700
baseline
Rural
Rp420
40% less

Cheaper Alternatives to Indonesia (Bali)

Frequently Asked Questions about Indonesia (Bali)

Geo-arbitrage is the strategy of earning a strong currency (like USD or EUR) while living in a country with a lower cost of living. In 2026, this is the fastest way to achieve FIRE, allowing you to reduce expenses by 40-60% without lowering your quality of life.
The Freedom Clock calculates your exact 'Freedom Date' based on your savings, income, and the real-time cost of living in your target country. It accounts for 2026 inflation rates and tax laws to give you a precise timeline for early retirement.
Introduced for digital nomads, it allows a 1-year stay (renewable) provided you earn at least $60,000 USD per year from outside Indonesia.
No, but they can own property via a 'Hak Pakai' (Right to Use) or 'HGB' title through a PT PMA company.
A modern 2-bedroom villa with a pool in Canggu or Ubud typically costs $2,000–$3,500 per month.
Bali is very safe, though scooter accidents and petty 'bag snatching' in crowded areas are the most common risks.
Major hubs like Canggu, Uluwatu, and Ubud have excellent fiber-optic internet and world-class coworking spaces.
Under the E33G visa, foreign-sourced income is generally not taxed in Indonesia if it isn't derived from Indonesian entities.
A 5-to-10 year residency for wealthy individuals requiring a deposit of roughly $130,000 in a local bank.
Private clinics (BIMC, Siloam) are good for minor issues; for major surgeries, many expats fly to nearby Singapore or Bangkok.
A Limited Stay Permit. There are various types including work, investment, marriage, and retirement KITAS.
Yes, but you must have an International Driving Permit (IDP) and a valid motorcycle license from your home country.

Calculate Your Personal Freedom Date

Use our interactive calculator to see exactly when you can retire in Indonesia (Bali) based on your current savings and income.

Try the Freedom Calculator →

© 2026 Freedom Clock. Data updated regularly for accuracy.