Retiring in Bali: Retirement KITAS Requirements and Costs

What the retirement KITAS actually requires

Four things, reported consistently across agents: proof of qualifying income, valid health insurance covering Indonesia, a licensed local sponsor (most retirees use a visa agent registered for this purpose), and a commitment not to work. None of these is unusual by international retirement-visa standards; the detail that catches people out is which figures currently apply, because both the age threshold and the income figure are quoted inconsistently across sources describing themselves as current for 2026.

This is not a permit you self-file without a sponsor. Unlike the Second Home Visa, the retirement route needs a licensed sponsor throughout, which is also why the quality of the agent you use affects how smoothly renewal goes each year.

The age question the sources disagree on

Most established guidance sets the minimum age at 55. A number of sources describing 2026 rule changes put it at 60 for many nationalities, citing an updated regulation. Both claims appear in current publications, and neither was confirmed here against a primary immigration source — treat 55 as the commonly cited historical figure and 60 as a reported recent change, and get your specific nationality’s current threshold confirmed by a licensed agent before you commit to the retirement route over an alternative like the Second Home Visa, which carries no age requirement at all.

How much income you need to show

USD 3,000 a month is the figure most consistently repeated, usually from a pension, annuity or investment rather than active earnings. Some licensed agents report processing applications on figures closer to USD 1,500 a month, which suggests either regional variation between immigration offices or that the higher figure is being recycled without update — this was not resolved from the sources checked here.

Whatever the exact number, the underlying requirement is consistent: the income has to be passive and provable, typically through three months of bank statements, and business or self-employment income is generally not accepted as qualifying proof.

Renewing, and the route to KITAP

The permit is issued for one year and renewed annually. After renewing consistently for up to five years, holders become eligible to apply for a Retirement KITAP — a permanent stay permit that removes the annual renewal cycle. Losing eligibility partway through — for instance, if the sponsor relationship lapses — resets the position, which is the main practical reason to use an established, licensed sponsor rather than the cheapest one available.

Health insurance is checked at each renewal, not only at first application, so a policy that lapses or a claim that reveals inadequate cover can hold up a renewal even when the income test is easily met. Keep the policy current for the full year, not just the weeks around the renewal date.

Retirement KITAS or Second Home Visa?

The two overlap for retirees but are not the same instrument. The retirement KITAS is built around income and a sponsor, with an age threshold that is currently unclear; the Second Home Visa is built around capital — an IDR 2 billion deposit or USD 1 million Hak Pakai property — with no age requirement and no sponsor, and it renews to ten years rather than five. A retiree who is under whatever the current age threshold turns out to be, but has the capital, may find the Second Home Visa the more certain route.

Common questions