--- title: "Retire Abroad: Pensions & Retirement Visas — Geo-Parity" description: "State pension ages and replacement rates, retiree visas and their thresholds, what a pension is worth abroad and whether it covers essentials — by country." canonical: "https://geo-parity.com/retire/" generator: geo-parity markdown twin --- Retire # Can I afford to retire there State pension ages and replacement rates, retiree visas and their thresholds, what a pension is worth abroad and whether it covers essentials — by country. ### [Pension Paid Abroad](https://geo-parity.com/retire/?tab=abroad) What a pension is worth in another country after the exchange rate and price level, and how fast local inflation erodes it. GET /api/pension-abroad.json ### [State Pension Systems](https://geo-parity.com/retire/?tab=pension) When the state pension pays and how much of a wage it replaces — OECD retirement ages, replacement rates, years in retirement and old-age poverty, with WBL's statutory age for the rest. GET /api/pension-systems.json ### [Retirement & Passive-Income Visas](https://geo-parity.com/retire/?tab=visas) Which countries offer a retiree or passive-income route, at what age, income or deposit — curated from official pages, matched to your monthly income. GET /api/retirement-visas.json ### [Retire on a Monthly Pension](https://geo-parity.com/retire/?tab=budget) How many months of local essentials a fixed pension buys in each country, with healthcare out-of-pocket, life expectancy and the visa route beside it — modelled costs, ranked. GET /api/retire-on.json ## Every figure here is computed, not collected Nothing on this site is a crowdsourced estimate or an editorial top ten. Each tool runs a published dataset — World Bank, IMF, OECD, Eurostat, WHO, HUD — through an engine you can call yourself, and every JSON response carries a citation naming the source and the year it refers to. Where a figure is modelled rather than measured, the page says so. Each tool above has a free JSON API and an MCP tool, listed on the card. See [how it works](https://geo-parity.com/about/) or the [ranked answers](https://geo-parity.com/best/) if you would rather start from a shortlist than a calculator. Not sure which tool to start with? [Ask the adviser](https://geo-parity.com/adviser/) what matters to you (Pro), and it will work through these figures for you. ## Other questions - [Compare countries](https://geo-parity.com/) — What is my money actually worth there? - [What a month costs](https://geo-parity.com/expenses/) — What does living there actually cost? - [Earning and staying](https://geo-parity.com/earn/) — What should I charge, and how long does my money last? - [Where to go, and whether you can](https://geo-parity.com/move/) — Where should I go — and am I allowed to? - [Working from there](https://geo-parity.com/work/) — Can I actually do my job from there? - [Will my money work there](https://geo-parity.com/money/) — Will my money work there? - [What must I comply with](https://geo-parity.com/rules/) — What must I comply with? - [Is it safe, and what do I need before I go](https://geo-parity.com/safety/) — Is it safe, and what do I need before I go? - [Can I run a business there](https://geo-parity.com/business/) — Can I run a business there? Published pension rules, visa conditions and modelled costs with their sources and dates, for information only — entitlements depend on your own record, and consulates decide. For how long savings would last on a passive income, use the [geo-arbitrage calculator](https://geo-parity.com/fire/). ## What does the state pension look like there? When it pays, how much of a wage it replaces, and how long people draw it — OECD's figures for a full-career average earner, which is nobody's actual record. Where OECD publishes nothing, the statutory retirement age from the World Bank's legal survey stands alone, and no replacement rate is guessed. 🇩🇪 Germany - **Normal retirement age (OECD)**: 66.2 - **For today's 22-year-old entrant**: 67 - **Statutory age (WBL)**: 66 - **Net replacement (50 / 100 / 200% of average wage)**: 57.7% / 53.3% / 38.8% - **Expected years after leaving work**: men 19, women 22.4 - **Pensioners below 50% of median income**: 12.6% (2022) - **Average tax rate on an average pension**: 21.6% - **Life expectancy at birth · population 65+**: 80.8 years (2024) · 23.7% - Pension rules and visa conditions as published by the named sources on the dates shown, for information only. Entitlements depend on your contribution record and residence; check with the scheme and the embassy before deciding anything. - OECD figures describe a full-career average earner who entered work at 22 under mandatory schemes; replacement rates are the men's figure, with the women's shown where it differs. They are not a forecast of any individual's pension. ### Highest net replacement rate, average earner 1. 🇨🇳 China 103.6% 2. 🇧🇷 Brazil 97.5% 3. 🇹🇷 Türkiye 96.4% 4. 🇳🇱 Netherlands 96% 5. 🇵🇹 Portugal 92.7% 6. 🇬🇷 Greece 88.5% 7. 🇪🇸 Spain 86.3% 8. 🇲🇽 Mexico 79.6% Full ranking: [countries with the highest state pension](https://geo-parity.com/best/countries-with-the-highest-state-pension/). OECD Pensions at a Glance (33 of 41 — members and G20 partners), World Bank life expectancy and 65+ share (41), WBL statutory ages. Refreshed 2026-09-05. No OECD profile for Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Armenia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brunei, Bulgaria, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Central African Republic, Costa Rica, Croatia, Cyprus, DR Congo, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Estonia, Eswatini, Ethiopia, Fiji, Finland, Gabon, Gambia, Georgia, Ghana, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Iceland, Iran, Iraq, Israel, Ivory Coast, Jamaica, Jordan, Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Mauritania, Mauritius, Micronesia, Moldova, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nepal, Nicaragua, Nigeria, North Macedonia, Oman, Pakistan, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Qatar, Republic of the Congo, Romania, Russia, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, Sri Lanka, Sudan, Suriname, Syria, Tajikistan, Tanzania, Thailand, Togo, Trinidad and Tobago, Tunisia, Uganda, Ukraine, United Arab Emirates, Uruguay, Uzbekistan, Vietnam, Zambia, Zimbabwe. [JSON](https://geo-parity.com/api/pension-systems.json?country=DE) --- Source: Geo-Parity — https://geo-parity.com/retire/