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",[817],{"type":129,"attrs":818},{"color":12},{"text":820,"type":22,"marks":821},"financial advisor",[822,826,828],{"type":31,"attrs":823},{"href":824,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas","_blank",{"type":129,"attrs":827},{"color":12},{"type":829},"underline",{"text":831,"type":22,"marks":832}," can help you plan for your retirement in the Philippines.  ",[833],{"type":129,"attrs":834},{"color":12},{"type":764,"attrs":836,"content":837},{"level":766},[838,843],{"text":839,"type":22,"marks":840},"What are the pros and cons of retiring in the Philippines?",[841],{"type":129,"attrs":842},{"color":12},{"text":774,"type":22,"marks":844},[845],{"type":129,"attrs":846},{"color":778},{"type":18,"content":848},[849],{"text":850,"type":22,"marks":851},"The Philippines is renowned as one of the most scenic and welcoming places to retire in Southeast Asia. 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However, if you stick to the major cities and practice reasonable caution, these issues can be avoided.  ",[940],{"type":129,"attrs":941},{"color":12},{"type":783,"content":943},[944],{"type":18,"content":945},[946,952],{"text":947,"type":22,"marks":948},"Turbulent weather:",[949,950],{"type":38},{"type":129,"attrs":951},{"color":12},{"text":953,"type":22,"marks":954}," The Philippines is located within a typhoon belt and can experience as many as 20 typhoons per year. Settling on higher ground is advised.  ",[955],{"type":129,"attrs":956},{"color":12},{"type":783,"content":958},[959],{"type":18,"content":960},[961,967],{"text":962,"type":22,"marks":963},"Challenging infrastructure: ",[964,965],{"type":38},{"type":129,"attrs":966},{"color":12},{"text":968,"type":22,"marks":969},"Public services and infrastructure can be limited, depending on where you are located.  ",[970],{"type":129,"attrs":971},{"color":12},{"type":764,"attrs":973,"content":974},{"level":766},[975,980],{"text":976,"type":22,"marks":977},"What are the best places to retire in the Philippines?",[978],{"type":129,"attrs":979},{"color":12},{"text":774,"type":22,"marks":981},[982],{"type":129,"attrs":983},{"color":778},{"type":18,"content":985},[986],{"text":987,"type":22,"marks":988},"The Philippines may be a small nation, but there are lots of different islands and areas worth exploring as a place to retire. Some of the best places to retire in the Philippines are: ",[989],{"type":129,"attrs":990},{"color":12},{"type":780,"content":992},[993,1008,1023],{"type":783,"content":994},[995],{"type":18,"content":996},[997,1003],{"text":998,"type":22,"marks":999},"Dumaguete",[1000,1001],{"type":38},{"type":129,"attrs":1002},{"color":12},{"text":1004,"type":22,"marks":1005},": This is a city of Negros Island that is known for being a retirement hotspot due to its stunning natural environment, laid-back lifestyle, and ample healthcare facilities.  ",[1006],{"type":129,"attrs":1007},{"color":12},{"type":783,"content":1009},[1010],{"type":18,"content":1011},[1012,1018],{"text":1013,"type":22,"marks":1014},"Bacolod",[1015,1016],{"type":38},{"type":129,"attrs":1017},{"color":12},{"text":1019,"type":22,"marks":1020},": Both scenic and metropolitan, Bacolod has a low cost of living and a thriving community of locals and expats. It is a relaxing part of the islands with easy access to healthcare.  ",[1021],{"type":129,"attrs":1022},{"color":12},{"type":783,"content":1024},[1025],{"type":18,"content":1026},[1027,1033],{"text":1028,"type":22,"marks":1029},"Subic Bay",[1030,1031],{"type":38},{"type":129,"attrs":1032},{"color":12},{"text":1034,"type":22,"marks":1035},": Subic Bay is one of the most secure places to retire in the Philippines. It has a large population of retirees and a well-maintained city environment.  ",[1036],{"type":129,"attrs":1037},{"color":12},{"type":764,"attrs":1039,"content":1040},{"level":766},[1041,1046],{"text":1042,"type":22,"marks":1043},"What age can you retire in the Philippines?",[1044],{"type":129,"attrs":1045},{"color":12},{"text":774,"type":22,"marks":1047},[1048],{"type":129,"attrs":1049},{"color":778},{"type":18,"content":1051},[1052,1057,1066],{"text":1053,"type":22,"marks":1054},"You need to be 50 in order to receive your ",[1055],{"type":129,"attrs":1056},{"color":12},{"text":1058,"type":22,"marks":1059},"Special Resident Retiree’s Visa (SRRV)",[1060,1063,1065],{"type":31,"attrs":1061},{"href":1062,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://pra.gov.ph/srrv/",{"type":129,"attrs":1064},{"color":12},{"type":829},{"text":1067,"type":22,"marks":1068}," and legally retire in the Philippines.  ",[1069],{"type":129,"attrs":1070},{"color":12},{"type":18,"content":1072},[1073],{"text":1074,"type":22,"marks":1075},"Once you are 50, you become eligible for the retirement visa and can begin your process of emigrating to the Philippines.  ",[1076],{"type":129,"attrs":1077},{"color":12},{"type":764,"attrs":1079,"content":1080},{"level":766},[1081,1086],{"text":1082,"type":22,"marks":1083},"What is the average cost of retirement in the Philippines?",[1084],{"type":129,"attrs":1085},{"color":12},{"text":774,"type":22,"marks":1087},[1088],{"type":129,"attrs":1089},{"color":778},{"type":18,"content":1091},[1092],{"text":1093,"type":22,"marks":1094},"To live comfortably in the Philippines, you will need a monthly budget of around $1,000.  ",[1095],{"type":129,"attrs":1096},{"color":12},{"type":18,"content":1098},[1099],{"text":1100,"type":22,"marks":1101},"This amount can increase or decrease depending on where you settle down.  ",[1102],{"type":129,"attrs":1103},{"color":12},{"type":764,"attrs":1105,"content":1106},{"level":766},[1107,1112],{"text":1108,"type":22,"marks":1109},"Do you pay taxes after retirement in the Philippines?",[1110],{"type":129,"attrs":1111},{"color":12},{"text":774,"type":22,"marks":1113},[1114],{"type":129,"attrs":1115},{"color":778},{"type":18,"content":1117},[1118],{"text":1119,"type":22,"marks":1120},"The tax situation in the Philippines lends itself surprisingly well to expats.  ",[1121],{"type":129,"attrs":1122},{"color":12},{"type":18,"content":1124},[1125],{"text":1126,"type":22,"marks":1127},"As a foreigner, you will only be taxed on income you receive from the Philippines, so any international pension or income you receive from outside of the country is essentially tax-free.  ",[1128],{"type":129,"attrs":1129},{"color":12},{"type":18,"content":1131},[1132,1137,1146],{"text":1133,"type":22,"marks":1134},"Pensions, ",[1135],{"type":129,"attrs":1136},{"color":12},{"text":1138,"type":22,"marks":1139},"401(k)s, individual retirement accounts (IRA)",[1140,1143,1145],{"type":31,"attrs":1141},{"href":1142,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://www.unbiased.com/discover/retirement/401k-vs-ira-what-s-the-difference",{"type":129,"attrs":1144},{"color":12},{"type":829},{"text":1147,"type":22,"marks":1148},", and most other types of retirement income will not be taxed so long as they are withdrawn from outside the Philippines. However, paycheck income will be taxed between 20% and 30%, depending on the amount.  ",[1149],{"type":129,"attrs":1150},{"color":12},{"type":764,"attrs":1152,"content":1153},{"level":766},[1154,1159],{"text":1155,"type":22,"marks":1156},"What programs are there for emigrating to the Philippines?",[1157],{"type":129,"attrs":1158},{"color":12},{"text":774,"type":22,"marks":1160},[1161],{"type":129,"attrs":1162},{"color":778},{"type":18,"content":1164},[1165],{"text":1166,"type":22,"marks":1167},"There are several programs available for emigrating to the Philippines, but the easiest one to go through as a senior US citizen is to apply for a Special Resident Retiree’s Visa (SRRV).  ",[1168],{"type":129,"attrs":1169},{"color":12},{"type":764,"attrs":1171,"content":1172},{"level":766},[1173,1178],{"text":1174,"type":22,"marks":1175},"What visas do I need to retire in the Philippines?",[1176],{"type":129,"attrs":1177},{"color":12},{"text":774,"type":22,"marks":1179},[1180],{"type":129,"attrs":1181},{"color":778},{"type":18,"content":1183},[1184],{"text":1185,"type":22,"marks":1186},"The visa process for retiring in the Philippines is relatively simple and straightforward. There is a particular visa for international retirees called the Special Resident Retiree’s Visa (SRRV), which requires you to meet the following criteria:  ",[1187],{"type":129,"attrs":1188},{"color":12},{"type":780,"content":1190},[1191,1200,1209,1218],{"type":783,"content":1192},[1193],{"type":18,"content":1194},[1195],{"text":1196,"type":22,"marks":1197},"50 years of age minimum. ",[1198],{"type":129,"attrs":1199},{"color":12},{"type":783,"content":1201},[1202],{"type":18,"content":1203},[1204],{"text":1205,"type":22,"marks":1206},"Proof of a pension above $800 per month (Social Security benefits included).  ",[1207],{"type":129,"attrs":1208},{"color":12},{"type":783,"content":1210},[1211],{"type":18,"content":1212},[1213],{"text":1214,"type":22,"marks":1215},"Deposit a minimum of $10,000 into a Filipino bank account. ",[1216],{"type":129,"attrs":1217},{"color":12},{"type":783,"content":1219},[1220],{"type":18,"content":1221},[1222],{"text":1223,"type":22,"marks":1224},"Deposit $15,000 for each additional dependent (if you have them).  ",[1225],{"type":129,"attrs":1226},{"color":12},{"type":18,"content":1228},[1229],{"text":1230,"type":22,"marks":1231},"There is a once-off visa application fee of $1,400 for the head of the household plus an additional $300 for a partner or dependent you bring with you.  ",[1232],{"type":129,"attrs":1233},{"color":12},{"type":764,"attrs":1235,"content":1236},{"level":766},[1237,1242],{"text":1238,"type":22,"marks":1239},"What are my healthcare options in the Philippines?",[1240],{"type":129,"attrs":1241},{"color":12},{"text":774,"type":22,"marks":1243},[1244],{"type":129,"attrs":1245},{"color":778},{"type":18,"content":1247},[1248],{"text":1249,"type":22,"marks":1250},"Unless you are based in Manila or Bacolod, accessing healthcare in the Philippines can be a challenging process.  ",[1251],{"type":129,"attrs":1252},{"color":12},{"type":18,"content":1254},[1255],{"text":1256,"type":22,"marks":1257},"Smaller, less metropolitan areas struggle with a lack of infrastructure, which can make it difficult to receive prompt medical care when needed.  ",[1258],{"type":129,"attrs":1259},{"color":12},{"type":18,"content":1261},[1262],{"text":1263,"type":22,"marks":1264},"However, there are plenty of sufficient healthcare facilities in the bigger city areas, and healthcare costs are lower in this archipelago than they are in the US.  ",[1265],{"type":129,"attrs":1266},{"color":12},{"type":18,"content":1268},[1269],{"text":1270,"type":22,"marks":1271},"Signing up for a local healthcare insurance plan is recommended for those retiring in the Philippines and shouldn’t cost more than $100-$300 per month.  ",[1272],{"type":129,"attrs":1273},{"color":12},{"type":764,"attrs":1275,"content":1276},{"level":766},[1277,1282],{"text":1278,"type":22,"marks":1279},"Is it safe to retire in the Philippines?",[1280],{"type":129,"attrs":1281},{"color":12},{"text":774,"type":22,"marks":1283},[1284],{"type":129,"attrs":1285},{"color":778},{"type":18,"content":1287},[1288],{"text":1289,"type":22,"marks":1290},"While the Philippines is largely safe in the more busy and urban areas, there are dangerous spots to watch out for.  ",[1291],{"type":129,"attrs":1292},{"color":12},{"type":18,"content":1294},[1295,1300,1309,1314,1323],{"text":1296,"type":22,"marks":1297},"The crime rate in the Philippines is ",[1298],{"type":129,"attrs":1299},{"color":12},{"text":1301,"type":22,"marks":1302},"37.73",[1303,1306,1308],{"type":31,"attrs":1304},{"href":1305,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://gitnux.org/philippines-crime-rate/#:~:text=Rate%20Statistics%20Explained-,As%20of%202021%2C%20the%20crime%20rate%20in%20the%20Philippines%20was,100%2C000%20people%20in%20the%20country.",{"type":129,"attrs":1307},{"color":12},{"type":829},{"text":1310,"type":22,"marks":1311},", which is actually lower than America’s ",[1312],{"type":129,"attrs":1313},{"color":12},{"text":1315,"type":22,"marks":1316},"47.70",[1317,1320,1322],{"type":31,"attrs":1318},{"href":1319,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://worldpopulationreview.com/country-rankings/crime-rate-by-country",{"type":129,"attrs":1321},{"color":12},{"type":829},{"text":1324,"type":22,"marks":1325},".  ",[1326],{"type":129,"attrs":1327},{"color":12},{"type":18,"content":1329},[1330],{"text":1331,"type":22,"marks":1332},"However, because the Philippines is less secure than the US, crime can feel more prevalent. Living in a gated community or in a secure area can help you retire in the Philippines with peace of mind.  ",[1333],{"type":129,"attrs":1334},{"color":12},{"type":764,"attrs":1336,"content":1337},{"level":766},[1338,1343],{"text":1339,"type":22,"marks":1340},"Is the Philippines a good place to retire?",[1341],{"type":129,"attrs":1342},{"color":12},{"text":774,"type":22,"marks":1344},[1345],{"type":129,"attrs":1346},{"color":778},{"type":18,"content":1348},[1349],{"text":1350,"type":22,"marks":1351},"The Philippines is considered the best place to retire in Southeast Asia.  ",[1352],{"type":129,"attrs":1353},{"color":12},{"type":18,"content":1355},[1356],{"text":1357,"type":22,"marks":1358},"Many people choose to retire in the Philippines due to its straightforward and affordable emigration program, scenic views, tropical climate, and welcoming culture.  ",[1359],{"type":129,"attrs":1360},{"color":12},{"type":764,"attrs":1362,"content":1363},{"level":766},[1364,1369],{"text":1365,"type":22,"marks":1366},"Get expert financial advice",[1367],{"type":129,"attrs":1368},{"color":12},{"text":774,"type":22,"marks":1370},[1371],{"type":129,"attrs":1372},{"color":778},{"type":18,"content":1374},[1375],{"text":1376,"type":22,"marks":1377},"With the right financial strategy, retiring in the Philippines can be a rewarding experience. The cost of living is lower than in the US, but not every area has the same amenities or safety rating.  ",[1378],{"type":129,"attrs":1379},{"color":12},{"type":18,"content":1381},[1382,1387,1395],{"text":1383,"type":22,"marks":1384},"To properly ",[1385],{"type":129,"attrs":1386},{"color":12},{"text":1388,"type":22,"marks":1389},"plan for your retirement",[1390,1392,1394],{"type":31,"attrs":1391},{"href":824,"uuid":34,"anchor":34,"target":825,"linktype":36},{"type":129,"attrs":1393},{"color":12},{"type":829},{"text":1396,"type":22,"marks":1397},", let Unbiased match you with a financial advisor who can offer expert advice and guidance.  ",[1398],{"type":129,"attrs":1399},{"color":12},"article-rich-text",[1402],{"_uid":1403,"image":1404,"title":1407,"component":1418,"breadcrumbs":558},"c26434b1-f8b9-4272-92b3-7c478bdacb33",{"alt":12,"name":12,"title":12,"filename":1405,"copyright":12,"fieldtype":1406},"https://a.storyblok.com/f/185166/1353x1014/72fe2deef9/retire-in-the-philippines.webp","asset",{"type":15,"content":1408},[1409],{"type":18,"content":1410},[1411,1416],{"text":750,"type":22,"marks":1412},[1413],{"type":25,"attrs":1414},{"class":1415},"primary-gradient",{"text":1417,"type":22},": a complete guide for US seniors","app-hero",{"name":1420,"created_at":1421,"published_at":1422,"updated_at":1423,"id":1424,"uuid":1425,"content":1426,"slug":1435,"full_slug":1436,"sort_by_date":34,"position":1437,"tag_list":1438,"is_startpage":543,"parent_id":1439,"meta_data":34,"group_id":1440,"first_published_at":1441,"release_id":34,"lang":730,"path":34,"alternates":1442,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Unbiased team","2024-01-18T11:49:29.332Z","2024-01-24T16:17:31.264Z","2024-01-24T16:17:31.285Z",429182198,"a38620a4-ad81-47d5-b2fe-9fe933abd010",{"job":1427,"_uid":1428,"name":1420,"image":1429,"component":1433,"description":1434},"Writers","a6e3129c-eeee-4438-8204-797883981521",{"id":1430,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1431,"copyright":12,"fieldtype":1406,"meta_data":1432,"is_private":12,"is_external_url":543},13850198,"https://a.storyblok.com/f/185166/400x400/232c6cb764/unbiased-team.jpg",{},"article-author","Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.","unbiased-team","authors/unbiased-team",-10,[],224651374,"170282a1-0fe6-4cf3-ab19-04639ed3474c","2023-04-03T07:50:42.397Z",[],[1444],{"_uid":1445,"body":1446,"title":1463,"component":1464},"5cc27fe5-2eee-4024-b61b-78c78bb0ae81",[1447,1451,1455,1459],{"_uid":1448,"href":1449,"text":1450,"component":542,"openInNewWindow":558},"9dce9989-e7df-4ae9-8d38-deb933856137","https://www.unbiased.com/discover/retirement/retire-in-malaysia","Retire in Malaysia",{"_uid":1452,"href":1453,"text":1454,"component":542,"openInNewWindow":558},"485a9c07-fa1b-468b-9a6f-1ae257a5f74b","https://www.unbiased.com/discover/retirement/retire-in-japan","Retire in Japan",{"_uid":1456,"href":1457,"text":1458,"component":542,"openInNewWindow":558},"5867b85f-402f-4c5d-8d8f-bd7c5cf6b770","https://www.unbiased.com/discover/retirement/retire-abroad-statistics","Retire abroad statistics",{"_uid":1460,"href":1461,"text":1462,"component":542,"openInNewWindow":558},"6d8cf182-218e-4ecc-8355-eff6d3612c6a","https://www.unbiased.com/discover/retirement/retire-in-iceland","Retire in Iceland","Related articles","app-links-list",{"title":1466,"plugin":1467,"og_image":12,"og_title":12,"description":1468,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Retiring in the Philippines: costs, visas, and everything you need to know","seo_metatags","Learn how to retire in the Philippines, including the cost of living, visa requirements, healthcare options, and the pros and cons of retiring in this Southeast Asian paradise.","app-article",[],[],"Thinking about retiring in the Philippines? Here's everything you need to know, from visa requirements and cost of living to healthcare options and safety considerations.",[],"retire-in-the-philippines","discover/retirement/retire-in-the-philippines",-440,[],365223437,"48b447ce-649a-41c8-bfd2-d16bb912f8db","2024-05-31T15:17:19.232Z",[],{"left":727,"top":727,"width":1483,"height":1483,"rotate":727,"vFlip":543,"hFlip":543,"body":1484},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1486,1489,1490],{"title":1487,"exact":558,"href":1488},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":1491,"disabled":558},"/discover/retirement/retire-in-the-philippines",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1493},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777972438647]