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Best Countries to Retire Abroad — 2026 Stability Rankings

214 countries ranked by retirement stability. Each score combines U.S. State Department advisory levels, World Bank political stability and rule of law indicators, Freedom House civil liberties ratings, and crime severity data into a single 0-100 metric. Higher scores mean more stable conditions for retirees.

▶ How we calculate these rankings

The retirement stability score weights five data sources: Advisory Level (30%) from the U.S. Department of State, converted to a 0-100 scale where Level 1 = 100 and Level 4 = 0. Political Stability (20%) from the World Bank Worldwide Governance Indicators, using the political stability percentile. Freedom (20%)from Freedom House's aggregate freedom score. Rule of Law (15%) from the World Bank, measuring contract enforcement, property rights, and judicial independence. Crime Safety (15%) from our severity assessment covering crime risk, inverted so lower severity means higher safety.

When a data source is missing for a country, its weight is redistributed proportionally across available sources. Countries show how many of the 5 sources informed their score.

This index ranks countries by safety, political stability, and governance quality for retirees. It does not include cost of living, healthcare quality, or visa accessibility data. Use these rankings alongside financial and healthcare research for complete retirement planning.

Top 25 Countries for Retirement Stability

1. 🇧🇶 Caribbean Netherlands100.01. 🇲🇸 Montserrat100.01. 🇹🇼 Taiwan100.04. 🇦🇮 Anguilla96.74. 🇬🇵 Guadeloupe96.74. 🇧🇱 Saint Barthélemy96.77. 🇳🇿 New Zealand94.18. 🇱🇮 Liechtenstein93.89. 🇻🇬 British Virgin Islands93.39. 🇬🇫 French Guiana93.39. 🇵🇫 French Polynesia93.39. 🇲🇶 Martinique93.313. 🇨🇭 Switzerland90.214. 🇨🇼 Curaçao88.314. 🇸🇽 Sint Maarten88.316. 🇮🇸 Iceland87.917. 🇫🇮 Finland87.518. 🇯🇵 Japan87.219. 🇱🇺 Luxembourg86.920. 🇳🇴 Norway86.421. 🇦🇼 Aruba85.722. 🇦🇹 Austria85.523. 🇰🇾 Cayman Islands85.323. 🇹🇻 Tuvalu85.325. 🇦🇺 Australia85.2traveladvisory.io

  1. Top 10 Countries for Retirement

    • 1
      Caribbean Netherlands100.0
      Level 1
      ▶ Score breakdown (2 of 5 sources)
      Overall Safety100/100
      Crime Safety100/100
    • 1
      Montserrat100.0
      Level 1
      ▶ Score breakdown (2 of 5 sources)
      Overall Safety100/100
      Crime Safety100/100
    • 1
      Taiwan100.0
      Level 1
      ▶ Score breakdown (2 of 5 sources)
      Overall Safety100/100
      Crime Safety100/100
    • 4
      Anguilla96.7
      Level 1
      ▶ Score breakdown (2 of 5 sources)
      Overall Safety100/100
      Crime Safety90/100
    • 4
      Guadeloupe96.7
      Level 1
      ▶ Score breakdown (2 of 5 sources)
      Overall Safety100/100
      Crime Safety90/100
    • 4
      Saint Barthélemy96.7
      Level 1
      ▶ Score breakdown (2 of 5 sources)
      Overall Safety100/100
      Crime Safety90/100
    • 7
      New Zealand94.1
      Level 1
      ▶ Score breakdown (5 of 5 sources)
      Overall Safety100/100
      Political Stability87/100
      Freedom Score99/100
      Rule of Law90/100
      Crime Safety90/100
    • 8
      Liechtenstein93.8
      Level 1
      ▶ Score breakdown (5 of 5 sources)
      Overall Safety100/100
      Political Stability95/100
      Freedom Score90/100
      Rule of Law89/100
      Crime Safety90/100
    • 9
      British Virgin Islands93.3
      Level 1
      ▶ Score breakdown (2 of 5 sources)
      Overall Safety100/100
      Crime Safety80/100
    • 9
      French Guiana93.3
      Level 1
      ▶ Score breakdown (2 of 5 sources)
      Overall Safety100/100
      Crime Safety80/100

  2. Ranks 11–50

  3. Complete Rankings: 51–214

Safest Countries

195 countries ranked by composite safety score.

Corruption Index

Countries ranked by corruption control and rule of law.

Democracy Index

Countries ranked by freedom and democratic governance.

Best Countries to Retire: Common Questions Answered

▶What is the best country to retire to in 2026?
Rankings are based on a composite stability score combining U.S. State Department advisory levels (30%), World Bank political stability (20%), Freedom House ratings (20%), rule of law (15%), and inverted crime severity (15%). The #1 country has the highest composite score across all five sources. Check the top of this page for the current leader.
▶What factors matter most for retirement abroad?
Safety, political stability, rule of law, civil liberties, and low crime are the governance factors we measure. Financial factors like cost of living, healthcare quality, tax policy, and visa accessibility also matter but are outside the scope of this index. We recommend combining these stability rankings with financial and healthcare research.
▶Is political stability important for retirement planning?
Political stability directly affects currency value, property rights, healthcare funding, and daily safety. Countries with volatile governance can see rapid changes in expat-friendly policies, banking access, and residency rules. Stable governance is a foundation for long-term retirement planning.
▶How does this ranking compare to cost-of-living indexes?
This index measures governance stability and safety, not affordability. A country can score high here but be expensive (e.g., Switzerland, Norway) or score lower but offer low cost of living. Use cost-of-living indexes alongside these rankings for a complete picture of retirement viability.
▶Which countries offer retirement visas?
Many countries offer dedicated retirement or long-stay visas, including Portugal (D7), Panama (Pensionado), Mexico (Residente Temporal), Thailand (Non-Immigrant O-A), Malaysia (MM2H), and Ecuador (Pensioner Visa). Visa availability is not factored into these rankings. Check each country's immigration authority for current requirements and income thresholds.
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