Itemized budgets and current visa rules, built from the same research behind the search itself, one country at a time.
Budget Calculator + Visa Guide + 90-Day Plan (Fall 2026 Edition). What's inside:
A real preview: one city's full itemized monthly budget, a locked look at how the other five compare, and a straight paragraph on why the visa decision trips people up. No email required.
Budget Calculator + Visa Guide + 90-Day Plan (2026 Edition). What's inside:
A real preview: one city's full itemized monthly budget, a locked look at how the other five compare, and a straight paragraph on the SRRV visa gap most guides still get wrong. No email required.
Vietnam has no retirement visa, so this Fall 2026 Edition covers what that means for your budget, your paperwork, and your taxes: six cities at three budget tiers, the 90-day e-visa rotation, and a 90-day plan for the move.
This Fall 2026 Edition covers the retirement extension, five cities at three budget tiers, how Cambodia decides who is a tax resident, and a 90-day plan for the move. Each figure is labeled official, reported or estimate.
There are five routes, with dollar figures converted at about 33 THB to the dollar (the 2026 rate). One thing to know up front: the U.S. Embassy in Bangkok no longer issues the income-verification letter, so an American plans around the bank-deposit route from the start. The kit runs your budget through a decision tree to the route that fits; the requirements are below.
| Route | Age | Financial requirement | Duration |
|---|---|---|---|
| Non-O, Extension of Stay Based on Retirement | 50+ | About USD 24,000 in a Thai bank, seasoned two months before filing | 1 year, renewed annually in-country |
| Non-Immigrant O-A | 50+ | The same USD 24,000, arranged through a Thai embassy before you fly, plus mandatory health insurance | 1 year from entry, then annual extensions |
| Non-Immigrant O-X | 50+ | About USD 91,000 on deposit, reducible to about USD 45,000 after year one | 10 years (5 + 5), not a 5-year visa |
| LTR "Wealthy Pensioner" | 50+ | USD 80,000/year passive income, or USD 40,000/year plus USD 250,000 invested in Thailand | 10 years (5 + 5) |
| Thailand Privilege (formerly Thailand Elite) | None | Membership fee from about USD 19,700 (Bronze, 5 years, may have closed to new applicants; next tier about USD 27,300) | 5 to 20 years by tier |
Official sources: the Thai e-Visa portal, the Thai Immigration Bureau, the LTR visa program (Thailand Board of Investment), and Thailand Privilege. Requirements change; the kit names its sources and says where it could not confirm one, but always confirm against these before you file.
Unlike Thailand's five parallel routes, the Philippines is really one route, SRRV Classic, with internal branching, plus a few options for specific situations. The SRRV is now two categories, Classic and Courtesy; PRA's own forms still named Smile and Human Touch in February 2025, so anything still listing them predates the restructure. The Classic deposit is set by your age and whether you can prove a qualifying pension.
| Route | Who it's for | What it costs to enter | Status it grants |
|---|---|---|---|
| SRRV Classic, pensioner | Age 50+ with proof of a lifetime pension of at least USD 800/month (USD 1,000 with dependents); also open at 40 to 49 | USD 15,000 time deposit (USD 25,000 at age 40 to 49), plus a USD 1,500 processing fee and USD 360/year | Permanent residency, multiple entry, no annual immigration reporting |
| SRRV Classic, no qualifying pension | Age 50+ without pension proof yet; also open at 40 to 49 | USD 30,000 time deposit (USD 50,000 at age 40 to 49), same fees | Same as above; you can move to the pensioner track once proof exists |
| SRRV Courtesy | Former Filipino citizens, retired diplomats and international-organization officers, some retired military | USD 1,500 to 6,000 deposit depending on age and pension status | Same as Classic |
| 13(a) non-quota immigrant visa | Foreign spouse of a Filipino citizen (the spouse petitions) | No deposit; PHP 8,620 for the principal applicant (a 2014 fee table) plus USD 50 for the ACR I-Card | Permanent after a probationary stage (timelines unconfirmed; ask the Bureau of Immigration) |
| Digital Nomad Visa (EO 86) | Remote workers paid by a foreign employer, not ready to commit a deposit | Sufficient income from outside the Philippines (the order names no dollar figure; USD 24,000 a year circulates in guides) and health insurance; your home country must offer Filipinos the same visa and the Philippines must have a foreign service post there | Up to 1 year, renewable on DFA terms; not permanent residency; confirm the DFA is accepting applications |
| Tourist entry plus extension | Anyone still choosing a city or waiting on pension proof | Visa-free 30 days, extendable in-country; the Long-Stay Visitor Visa Extension caps the total extension at six months | No permanent status, no SRRV benefits |
The SRRV deposit is a time deposit in a PRA-accredited bank, not a fee, and PRA's February 2025 checklist allows converting it, after 30 days from the SRRV's issuance, into a condominium unit titled in your name and worth at least USD 50,000. Guides also mention long-term leases, which could not be confirmed. One caveat the kit is careful about: whether the deposit is refundable if an application is denied is not documented by PRA, so confirm that in writing before you wire anything rather than assuming it.
Official sources: the Philippine Retirement Authority for the SRRV, the Bureau of Immigration for the 13(a), and the Department of Foreign Affairs for the Digital Nomad Visa. Figures are current as of the Fall 2026 Edition; requirements change, so confirm against these before you file.
A single American retiree can live comfortably on roughly USD 1,500 to 2,500 per month depending on the city and lifestyle, with Phuket and Krabi at the lower end and central Bangkok at the higher end. The Numbers Kit itemizes rent, food, transport, healthcare, and insurance for six cities across three budget tiers instead of giving one wide range.
One of five routes: the Non-O retirement extension, the O-A long-stay visa, the O-X 10-year visa, the LTR "Wealthy Pensioner" visa, and Thailand Privilege (formerly Thailand Elite). The table above lists the financial requirement and term for each. The U.S. Embassy no longer issues an income letter, so plan around the bank-deposit route.
Chiang Mai, Bangkok, Hua Hin, Pattaya, Krabi, and Phuket. Each city gets its own full itemized monthly budget; which one is the best fit is decided on camera as the video series goes up.
Yes. The free Thailand Retirement Reality Check gives you one city's full itemized monthly budget, a locked comparison of the other five, and a plain explanation of the visa decision, with no email required.
It depends on the city and your tier, and a wide national range is the thing that trips people up. The Numbers Kit itemizes a real month of rent, food, transport, healthcare, and insurance for all six cities across three budget tiers, so you plan against your city and your tier instead of an average.
The main routes are the SRRV Classic, the SRRV Courtesy, the 13(a) visa for the spouse of a Filipino citizen, and the Digital Nomad Visa. The table above says what each one asks for.
Manila, Cebu City, Davao, Dumaguete, Baguio, and Iloilo. Each city gets its own full itemized monthly budget; which one is the best fit is decided on camera as the video series goes up.
Yes. The free Philippines Retirement Reality Check gives you one city's full itemized monthly budget, a locked comparison of the other five, and a straight paragraph on the SRRV deposit gap, with no email required.