Retirement & Benefits Guide · San MarinoRetirement & Benefits Guide in San Marino
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
San Marino has no dedicated retirement or passive income visa program for foreigners. Expats may apply for standard residence permits requiring employment, investment, or family ties, with no specific retiree pathway identified in 2024-2026 data.
Pension System
Pay-as-you-go system with mandatory contributions providing contributory pensions. Average replacement rate around 70% for full-career workers; sustainable due to small population and high employment.
Pension Adequacy
Replacement rates 60-80% based on contributions; low elderly poverty due to comprehensive social security. Private supplementary pensions available but less common.
Healthcare Access
Universal public healthcare (ISS) free for residents covering all medical needs with high-quality facilities. Expats gain access via residence; private options limited but excellent overall care.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Standard tax rates apply to foreign pensions and income; no special retiree tax programs like NHR. Pensions taxed progressively up to 35% with some deductions for residents.
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