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Know exactly where in Europe you can retire.

A personalized visa & eligibility report built from your income, family, and ancestry — reviewed by humans.

Based on 2,200+ cases

Approved visa applications

100% personalized

Built from your situation

Human-reviewed

Every single report

Studies show retiring in Europe improves almost everything — from your budget to your life expectancy.

36% more Americans in one year

US citizens living in Portugal jumped 36% in 2024 — and 239% since 2017

AIMA Migration & Asylum Report, 2025.

Half the rent, same beach life

Rent in Miami is 124% higher than in Valencia, Spain

Numbeo City Comparison, 2026.

Last place US healthcare

Among 10 wealthy nations, the US health system ranks 10th — at 2.5x the cost per person

Commonwealth Fund, Mirror Mirror, 2024.

5 more years of life

People in Spain live to 84.0 on average — Americans to 79.0

OECD Health at a Glance: Europe, 2024.

30% cheaper everyday life

Consumer prices in Portugal are 29.4% lower than in the US — rent is ~37% lower

Numbeo Cost of Living Index, 2026.

Your check goes further

A couple can live comfortably on $1,500–$2,000/month in smaller Portuguese and Spanish cities — within the average Social Security benefit

SmartAsset / SSA benefit data, 2025.

Health cover from ~€60/mo

Private health insurance that satisfies visa requirements starts around €60–100/month for retirees in Spain and Portugal

Market rates, major insurers (Sanitas, Fidelidade), 2025.

64% fear running out of money

Nearly two in three Americans worry more about outliving their savings than about death itself

Allianz Life Retirement Study, 2025.

2 of 5 Blue Zones

Two of the world’s five longevity hotspots are in Mediterranean Europe — Sardinia and Ikaria

Poulain et al., Mechanisms of Ageing and Development.

2.78x the price for medicine

US prescription drug prices are 2.78x those of 33 other high-income countries — 4.22x for brand-name drugs

RAND Corporation, 2024.

100 million in medical debt

41% of US adults carry medical or dental debt — a burden Europe’s universal systems barely know

KFF Health Care Debt Survey.

55% vs 20% ultra-processed

Ultra-processed food makes up 55% of American calories — about 20% for adults in Italy

CDC NCHS, 2025; UFO Survey Italy.

22x fewer gun homicides

The EU firearm homicide rate is 0.19 per 100k people vs 4.11 in the US

IHME, via PolitiFact.

#7 vs #128 for peace

Portugal ranks 7th of 163 countries on the Global Peace Index — the US ranks 128th

Institute for Economics & Peace, 2025.

World leaders in LGBTQ+ rights

Spain and Malta top the global Rainbow Map for legal protections

ILGA-Europe Rainbow Map, 2026.

3x safer roads

The US road fatality rate is 12.5 per 100,000 people — the EU average is 4.6

European Commission; NHTSA, 2023.

7 of the top 10 happiest countries

Europe dominates the happiness ranking while the US fell to its lowest place ever: 24th

World Happiness Report, 2025.

3,000 hours of sunshine

The Algarve gets ~3,000 hours of sun a year — 38% more than Seattle

Weather & Climate historical averages.

20+ paid vacation days

Every EU country guarantees at least 4 weeks of paid leave by law — the US mandates zero. A culture built for living.

EU Working Time Directive; CEPR.

$12,297 a year vs €40 a month

That’s what a car costs in the US — vs Lisbon’s all-network transit pass. Many European retirees simply don’t need a car.

AAA Your Driving Costs, 2024; CP Navegante.

Personalized analysis

A new way to plan your move.

Visa rules changed more in the last 18 months than in the previous decade. Generic advice is how people waste years — and consulate fees.

The old way

  1. Step 1 Google rabbit holes at midnight
  2. Step 2 Contradicting answers on Reddit
  3. Step 3 ChatGPT quoting outdated rules
  4. Step 4 A $300/hr lawyer who knows one country
  5. Step 5 Still no idea where you stand

The new way

  1. Step 1 Answer one questionnaire
  2. Step 2 Matched against 12 countries
  3. Step 3 Get your ranked shortlist
  4. Step 4 See exact requirements & timelines
  5. Step 5 Decide with confidence

Personalized analysis

Your complete eligibility analysis

Every situation is unique. We assess 39 personal factors against 800+ data points to show precisely where you stand — visualized, not buried in paragraphs.

Income vs. visa thresholds

Portugal €920/mo
France ≈€1,500/mo
Spain €2,400/mo
Greece €3,500/mo
You · $2,350

You qualify in 2 of 4 — Spain is within reach with one change.

Ancestry check

Irish grandparent.

EU citizenship likely

Foreign Births Register · no language test · dual allowed

Sample applicant · 64 · Ohio

Healthcare requirement

€150–320/mo

Compliant private cover at 64 — public system access after year 1

Lifestyle fit · Portugal

SunshineCostWalkabilityHealthcareCommunity
Your priorities Country profile

Personalized analysis

Taking into account your…

Income sources & amounts

Income sources & amounts

Social Security, pensions, rental income, dividends, annuities, trusts — each weighed the way consulates weigh them.

Social Security & benefits

Social Security & benefits

Current or projected checks, start dates, veteran & health benefits — timing can decide when you qualify.

Family situation

Family situation

Spouse, partner, dependents, pets — every person changes thresholds, every country treats them differently.

Passports & ancestry

Passports & ancestry

Citizenships you hold and the ones your parents or grandparents may have already earned you.

Health & insurance

Health & insurance

Medicare status, conditions, medications — they shape which countries and insurance routes actually work.

Lifestyle priorities

Lifestyle priorities

Climate, coast or city, walkability, community, direct flights home — what makes the move worth it.

Informative

You will learn…

Which visas you qualify for today

Which visas you qualify for today

And which you would qualify for with small, specific changes.

Whether your Social Security is enough

Whether your Social Security is enough

Country by country — from Portugal’s €920/mo to Greece’s €3,500/mo.

Your 3 best-fit countries, ranked

Your 3 best-fit countries, ranked

Scored against your income, health, climate and citizenship goals.

What your income buys there

What your income buys there

Realistic monthly budgets for the regions that match your preferences.

Whether ancestry gets you an EU passport

Whether ancestry gets you an EU passport

Parents’ and grandparents’ birthplaces, checked against current law.

Your healthcare route, sorted

Your healthcare route, sorted

Public vs private by country, realistic premiums at your age, and how to bridge until you qualify.

Personalized report

Get your personalized retirement report

Not an e-book. A decision document built from your answers — with visualized results you can scan in minutes.

  1. [1] Answer the questionnaire (~15 min)
  2. [2] We match you against 12 countries
  3. [3] Get your ranked, human-reviewed report
  4. [4] Follow your action plan step by step
Sample page from a personalized retirement report on a clipboard, showing a country ranking, an eligibility score and a monthly budget breakdown

Timelines

Your realistic path, month by month

Documents Consulate Move & register

Typically 3–9 months from decision to landing — your report maps each step for your specific visa.

Costs involved

Every fee, before you commit

Government fees, apostilles, translations, insurance — plus when a lawyer is worth it and when self-filing is fine. No budget ambushes.

Bonus · included free

The U.S. Exit Checklist

50 steps from mail forwarding and banking to your last document run — so nothing gets forgotten on the way out.

1,800+

reports delivered to future expats

Built with experts

Developed with immigration lawyers

At leading visa & relocation agencies in Portugal and Spain.

100% personalized

Every recommendation is tailored to you

Two readers with different numbers get materially different reports.

Always current

Requirements re-verified monthly

Last database update: July 2026

39 factors. 12 countries. One answer.

Everything the questionnaire asks — and why each answer changes your result.

Age (you & partner)

Determines visa eligibility, insurance pricing, and citizenship timelines.

Citizenships held

An EU passport in the household changes the entire strategy.

US state of residence

Decides which consulate handles your file — and its quirks.

Marital status

Affects whether a partner can be included and where it’s recognized.

Who is moving with you

Each dependent raises income thresholds by country-specific amounts.

Pets

Import paperwork, airline logistics, breed restrictions.

Prior visa refusals

Must be disclosed and shapes which route we recommend.

Record items

Background checks are standard — early disclosure means honest assessment.

Parents’ birth countries

Parent-based citizenship claims are the fastest route where they exist.

Grandparents’ birth countries

Ireland’s grandparent rule can grant EU citizenship outright.

Ancestors who fled persecution

Several countries run restored-citizenship programs for descendants.

Ancestor naturalization dates

A US naturalization at the wrong time can break the citizenship chain.

Social Security benefit

The core qualifying income for most retirement visas — timing matters.

Pension income

Treated as premium “stable passive income” by consulates.

Rental income

Counts toward most thresholds, but some consulates weight it less.

Dividends & interest

Counts toward passive-income visas in all 12 countries.

Annuities

Contractually guaranteed income is highly credible to consulates.

Remote or part-time work

Determines whether a retirement visa fits — or a different route serves you better.

Trust income

Documentable, but consulates expect specific evidence formats.

Liquid savings

Can substitute for or reinforce income at many consulates.

401(k) / IRA vs Roth

Counted toward savings thresholds — if documented the way consulates expect.

Home ownership plans

Sell, rent out or keep — shapes your income proof and starting budget.

Net worth range

Calibrates which investment-linked residency options are realistic.

Property purchase budget

Opens investment-linked residency options.

Medicare status

Medicare doesn’t cover you in Europe — we plan your insurance bridge.

Ongoing conditions

Shapes private-insurance feasibility vs public-system strategy.

Regular medications

Availability, naming and pricing vary by country.

Insurance budget

A visa requirement nearly everywhere — your budget affects the ranking.

Climate preference

Narrows regions within countries, not just countries.

Coast, city or countryside

Drives cost-of-living estimates and region picks.

Monthly budget comfort zone

We match regions where your income delivers your lifestyle.

Language willingness

Affects fit, integration and citizenship exams.

Airport proximity

A top regret factor for expats who chose remote areas.

Community & acceptance

LGBTQ+ acceptance, walkability, expat community — re-ranks similar options.

Healthcare proximity

Critical for some health profiles, heavily region-dependent.

Target move date

Plan around current rules or build in flexibility.

Trial vs permanent

A trial favors the Schengen 90/180 approach; permanence favors citizenship-track visas.

Citizenship ambition

Years-to-passport differ enormously — this reorders your ranking.

Minimum-stay tolerance

Many permits lapse if you’re absent too long — a hard filter for snowbirds.

Find your fit

Discover which country truly fits your needs.

Your report matches your needs against all 12 European retirement countries in question — Spain, Portugal and Greece are just three examples of how different the right answer can look.

Spain

Community & climate

Europe’s fastest-growing American community

Americans in Spain are up roughly 50% since 2019 (INE) — drawn by 300 days of sunshine, Mediterranean living, and cities where your Social Security actually stretches.

Portugal

Safety & healthcare

7th safest country on earth, with excellent healthcare

Ranked 7th of 163 nations on the Global Peace Index 2025 — and expats rate its healthcare among Europe’s best in the annual InterNations survey.

Greece

Lifestyle & islands

Maldives beaches with EU infrastructure

Elafonissi’s pink sand and Ionian blues — paired with EU healthcare standards, EU consumer protection, and direct US flights from Athens all summer.

Behind your report

No guesswork. A system.

Your answers meet the most complete picture of European retirement visas we know how to build — then a person checks every line.

The most comprehensive EU visa database

800+ data points across 12 countries — income thresholds, insurance rules, minimum stays, visa fees — re-verified monthly.

The knowledge of 2,200+ approved cases

What consulates actually accept — not just what the law says. Built with immigration lawyers in Portugal and Spain.

2,200+

Reviewed by humans

Every analysis is carefully checked by our team for quality, consistency, and clarity.

Closing notes · your analyst

“Your Social Security alone clears Portugal and France. Spain becomes realistic once your rental income is documented for 12 months — we’ve flagged the exact statements the consulate expects.”

The community

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planning their European retirement.

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How it works

From questionnaire to clarity in three steps.

Secure · private

Step 1

Answer 39 questions

About 15 minutes, secure and private. Your report is only as good as what you tell us — so we ask precisely.

You 800+ data points

Step 2

We run your assessment

Your profile is matched against 800+ data points across 12 countries — thresholds, treaties, healthcare rules, ancestry law.

Human-reviewed

Step 3

Get your personalized report

Human-reviewed and delivered within 5 business days: your ranked countries, budgets, timelines and action plan.

Pricing

What could cost you $3,000 is $150.

One report. One payment. No subscription, no hidden fees.

Full eligibility analysis

Every visa you qualify for across 12 countries — and how close you are where you don’t.

Ranked country shortlist

Your 3 best fits, scored against income, health, lifestyle and citizenship goals.

Budget breakdown

What your actual monthly income buys in your matched regions.

Healthcare & insurance notes

Your insurance route priced for your age, and how you access each public system.

Action plan & timelines

Documents, fees and realistic month-by-month steps for your recommendation.

Bonus: U.S. Exit Checklist

All 50 pre-departure steps, included free.

Retirement
Visa Report

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Delivered in 5 business days. 14-day guarantee.

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FAQ.

$150 is real money. These answers should tell you exactly whether it’s worth it for you.

A personalized, human-reviewed report built from your questionnaire: the visas you qualify for, your best-fit countries ranked, what your income buys there, healthcare options, timelines, costs, and any citizenship paths — including ancestry. It’s a decision document, not an e-book.

Free research gives generic answers — and the rules change constantly. Italy’s ancestry law changed in 2025, Portugal’s citizenship timeline doubled in 2026, Greece raised its income bar 75%. Your answer lives at the intersection of your specific income, family and ancestry, cross-referenced against current requirements and checked by a person. One avoided wrong consulate trip pays for it.

Every report is generated from your individual numbers, family situation, ancestry and preferences, then reviewed by a person before delivery. Two readers with different answers get materially different reports. It is not a template with your name inserted.

No — it’s an informational research report that maps your situation to published requirements. Where a lawyer or licensed cross-border specialist is genuinely worth hiring, we say so plainly, and for which step.

Americans — mostly 50 to 70 — considering retirement or semi-retirement in Europe. If you’re still dreaming, it’s a reality check. If you’ve decided, it’s your pre-flight checklist.

Probably, yes. Portugal’s passive-income visa requires under €920/month for a single applicant — less than the average Social Security check. The point of the report is to find where your number is enough.

Yes — Social Security, pensions and annuities are exactly the stable passive income these visas are designed around. Countries weigh rental income and dividends differently, which is why we ask about each source separately.

Rare — but if so, the report says it honestly and tells you what would change the answer: the threshold you’re closest to, whether savings can substitute, whether waiting for Social Security closes the gap, or whether an ancestry route bypasses income tests entirely.

Depends on the visa. Some tolerate foreign remote income, some strictly forbid all work, and digital-nomad visas flip the logic. Tell us about work plans in the questionnaire and we match you to compatible routes.

Possibly — an Irish-born grandparent, for instance, entitles you to register as an Irish citizen. Rules shift fast (Italy narrowed its rules in 2025), so we check your family tree against current law.

No visa we cover has an upper age limit. Age mainly affects insurance pricing and how you weigh citizenship timelines — both addressed in your report.

Generally yes — the practical issues are mailing addresses, fraud flags from foreign logins, and which institutions tolerate foreign residency. The report includes a banking setup path for your countries.

No. Residency — even a second citizenship — does not require giving up your US passport.

Yes — the SSA pays benefits to US citizens living abroad, into US or many foreign bank accounts. The report covers the practical setup for your country.

Plan for visa fees, apostilles, certified translations, insurance and housing deposits — typically a few thousand dollars, itemized for your route in the report.

Essentially no — Medicare doesn’t cover routine care outside the US. Most retirees carry private or local insurance (usually required for the visa anyway) and decide separately whether to keep Part B as a US fallback. The report covers the trade-off.

Usually not, but it shapes strategy: private insurers may exclude or surcharge conditions, while public systems — open to residents after a qualifying period — generally don’t. Your health answers directly affect your country ranking.

Spain, Portugal, Italy and Greece all run functioning public systems with strong private sectors at a fraction of US prices. Quality varies more by region than by country — one more reason your location preferences feed the ranking.

Typically 3–9 months from decision to landing: documents 1–2 months, consulate 1–4, then the move. Ancestry routes run longer. Your report includes a timeline for your path.

For most straightforward retirement-visa applications, no — thousands self-file successfully. Lawyers earn their fee for ancestry claims, prior refusals and unusual income structures. The report tells you which camp you’re in.

Yes — Americans can spend 90 days in any 180 in the Schengen area visa-free, ideal for scouting. The report shows how to structure a trial without complicating a later application.

Dogs and cats travel to the EU routinely with a microchip, rabies vaccination and a USDA-endorsed health certificate. Paperwork and timing, not a barrier.

The questionnaire arrives immediately. Once you submit it, your report is researched, human-reviewed and delivered within 5 business days — we’d rather be right than instant.

Yes — every report includes one round of written follow-up questions.

We ask for ranges and figures, never account numbers or credentials. Your data is used solely to produce your report, never sold, and deleted on request.

If it doesn’t give you concrete, personalized findings you couldn’t have assembled yourself, tell us within 14 days and we’ll refund you.

No one honestly can — decisions belong to consulates. What we guarantee is an accurate map of published requirements against your documented situation, which is what determines the outcome in the vast majority of cases.