Peru Retirement Visa 2026: The Rentista Visa

This is residence by financial means. Nothing is invested, donated or spent: you show Peru's migration authority that a retirement pension or a permanent income reaches you every month, and the income stays yours. Mirabello Consultancy treats the Rentista residence as a retirement route for that reason.

What is Peru's Rentista residence?

The Rentista residence (calidad migratoria Residente, Rentista) is the immigration quality Peru grants to foreigners who live on a retirement pension or a permanent income. Peru has no separate jubilado (retiree) residence, so the Rentista quality is its retirement route, granted at the discretion of the Superintendencia Nacional de Migraciones (MIGRACIONES).

The legal basis is article 29 of Decreto Legislativo 1350, the Ley de Migraciones, as amended by Decreto Legislativo 1582 of 14 November 2023 (read 11 October 2026), which gives the Rentista quality an indefinite term. The Reglamento, Decreto Supremo 007-2017-IN, as amended by Decreto Supremo 002-2021-IN of 24 March 2021 (read 11 October 2026), sets the detail: article 92 defines the quality, article 92-A the online procedure from abroad, article 92-B the change of quality inside Peru and article 93 the Permanent quality after three years. The live procedure is on the MIGRACIONES page Solicitar calidad migratoria para rentista residente (read 11 October 2026).

It gives residence, not nationality and not a Peruvian passport. For the difference, see residency versus citizenship.

Who qualifies, and how much income do you need?

The test is income, not capital. These conditions come from article 92-A of the Reglamento and the procedure page.

• At least US$1,000 net a month from a retirement pension (pensión de jubilación) or a permanent income (renta permanente), of Peruvian or foreign source.
• Proof: foreign-source income is shown by a document from the paying country; Peruvian-source income needs a monthly document, and the amount is the one fixed by MIGRACIONES.
• A sworn declaration that the money enters Peru through a bank or financial entity supervised by the Superintendencia de Banca, Seguros y AFP (SBS). The texts do not say whether the whole amount must be remitted.
• No extra income per dependant is stated. A spouse or partner, minor children and certain other relatives can apply under the family-unity rules of the Ley de Migraciones.
• No minimum age and no savings or net-worth alternative are stated: the route turns on monthly income.
• Clean records: police, criminal and judicial records from your country of origin and the other countries where you have lived, plus a copy of your passport.

One point of wording matters. The 2017 text of article 92.2 speaks of a lifetime pension, while article 92-A, added in 2021, and the procedure page accept a pension or a permanent income. Which text MIGRACIONES applies, and whether a privately bought annuity or rental income alone is accepted, is not yet officially confirmed, so we check it before you file.

The route fits less well if you plan absences from Peru of more than 183 consecutive days, if you hope to qualify on savings alone, or if most of your income is foreign dividends, interest or rent that Peru would tax once you are tax-resident.

Is Peru's retirement visa a golden retirement visa?

Yes. The Rentista residence is Golden in the Mirabello Golden Retirement Index, with a score of 71.5 out of 100 and confidence grade B, scored on 11 October 2026 under methodology 1.1. Under Mirabello's standard, a golden retirement visa is a residence permit, not citizenship, and needs no investment. To be Golden, a route must score at least 70 out of 100 with confidence grade A or B and must not fail on the tax of foreign income, physical presence or renewal; every route is scored from official sources. Peru's strongest points are that no capital is required, the residence has an indefinite term from the grant, so its renewal category is "never: permanent from grant", and MIGRACIONES works to a published official time. The reason the Index states against it is that the income must be transferred to, or held in, Peru. Tax also costs points, because only qualifying pensions sit outside the tax base of a Peruvian tax resident.

Do you have to live in Peru?

No minimum stay is set, but absence is limited. A resident other than a Permanent resident loses the residence after an absence of more than 183 consecutive days within 365 days (Decreto Legislativo 1350, article 33.1), unless MIGRACIONES authorises a longer absence for justified reasons (article 33.3), as set out in the official compilation of the law and its Reglamento (March 2017 text, read 11 October 2026). A Permanent resident loses it only after 365 consecutive days abroad.

Tax residence is a separate test: a foreign individual becomes tax-domiciled after more than 183 days in Peru in any 12-month period (Ley del Impuesto a la Renta, article 7 b, read 11 October 2026), and the status generally takes effect from 1 January of the following year. Because one rule counts consecutive days abroad and the other counts days in Peru, you can keep the residence while staying below the tax threshold, as long as no single absence passes the limit. To compare routes with light presence rules, see our guide to residency without relocating.

Does Peru tax a foreign pension?

Peru's treatment is partial: a tax resident is taxed on worldwide income (Ley del Impuesto a la Renta, or LIR, article 6), but pensions originating in personal work (jubilación, montepío, invalidez) are not subject to income tax under LIR article 18, third paragraph, inc. d (read 11 October 2026), as SUNAT applied it in Informe 132-2020-SUNAT/7T0000. The text has no source restriction, but no SUNAT report on a pension paid from abroad has been read, so that case is not yet officially confirmed. Foreign rent, bank interest and profits of foreign companies are added to labour income and taxed at 8% to 30% (LIR articles 51 and 53, read 11 October 2026).

Tax follows tax residence, not the permit: a holder present 183 days or fewer in any 12 months is non-domiciled and taxed only on Peruvian-source income. The country that pays your pension may still tax it under the relevant double tax treaty. This is general information, not tax advice. See also countries that don't tax foreign pensions.

How long does it take, what does it cost, and what documents do you need?

MIGRACIONES has an official maximum of 30 business days, about 42 calendar days, to decide an application filed online from abroad (Reglamento article 92-A). The procedure involves a prior evaluation, and administrative silence is negative: no decision within the term counts as a refusal. No official source publishes a practice timeline, so we confirm it for your case.

The government fee is paid at the Banco de la Nación. The two official procedure pages we read show different amounts under the same payment code, so we confirm the current fee for your case before you pay. If you are already in Peru, you request the Rentista quality by a change of immigration quality instead (article 92-B). The documents are those in the list above: passport copy, proof of income from the paying country, the sworn bank declaration and criminal, police and judicial records. Whether foreign documents need legalisation and translation is confirmed per case.

Renewal, permanent residence and citizenship

The Rentista residence does not need renewing: its term is indefinite (Decreto Legislativo 1350, article 29; Reglamento article 92.3), hence the Index renewal category "never: permanent from grant". Only the foreigner's card (carné de extranjería) is renewed, every four years (article 45.1), and the residence can still be lost through absence.

After three consecutive years of residence you can apply for the Permanent quality (article 93.1). The gain is flexibility: the absence limit rises to 365 consecutive days.

The Rentista texts say nothing about citizenship. Naturalisation is governed by the new Nationality Law, Ley 32421 (published in El Peruano in August 2025, read 11 October 2026), which enters into force the day after its Reglamento is published and was not yet in force on the text we read, so its residence period is not yet officially confirmed.

What the market gets wrong

• Some guides say the Rentista residence must be renewed every year. It has an indefinite term (Reglamento article 92.3); only the carné de extranjería is renewed, every four years.
• Some guides say residents pay a low flat rate on foreign dividends and interest. SUNAT guidance adds them, and foreign rent, to labour income on the 8% to 30% scale (LIR articles 51 and 53). The separate second-category base covers specific items, such as gains on shares and securities registered in Peru.

Peru Rentista or another route?

The Rentista suits retirees and rentiers who want indefinite residence on a moderate monthly income, filed online from abroad. Its trade-offs are the 183-day absence limit and worldwide taxation of a tax resident, with only qualifying pensions outside the base.

• The Panama Pensionado visa, the highest-scoring route in the Index, is also permanent from the grant but requires a lifetime pension, and Panama taxes on a territorial basis in our records. See our Panama Pensionado visa 2026 guide.
• The Costa Rica Pensionado and Rentista visa has separate pension and rentier categories, with a higher floor for rentiers, and is also territorial in our records; its renewal category is one renewal, then permanent residence.
• Uruguay residency for retirees grants permanent residence directly, with no fixed income floor: sufficiency is assessed case by case.

For the region side by side, read Latin American pensionado and rentista visas compared, the Golden Retirement Index of every scored route, and our retirement and passive-income residency guide, which also covers routes that tax foreign income in full.

What is not yet officially confirmed

• Whether the pension exemption covers a pension paid from abroad to a Peruvian tax resident.
• Which Reglamento text MIGRACIONES applies, and whether a privately bought annuity or rental income alone qualifies.
• Whether the whole monthly income must be remitted to Peru.
• The rate on second-category gains, and the absence of wealth and inheritance tax.
• Work rights, access to public healthcare and a tax residence certificate.
• Whether a later amendment changed the absence rule in article 33, read from the March 2017 compilation.
• The naturalisation period under Ley 32421.
• Processing time in practice and the current fee, which we confirm for your case.

Ask Mira, by Mirabello

For a first answer at any hour, ask Mira, by Mirabello, the AI advisor of Mirabello Immigration Intelligence. Mira reads the same verified programme data as this page and can compare the Rentista with the other routes in the Mirabello Golden Retirement Index. A specialist then checks the details that decide your case.

How Mirabello Consultancy helps

Mirabello Consultancy checks whether MIGRACIONES accepts your type of income and whether the paying country's document shows at least US$1,000 net a month, prepares the file and the sworn bank declaration, files online from abroad and plans your absences around the 183-day limit and the three-year step to the Permanent quality. To find out whether your income qualifies, book a free, confidential consultation.

Information only, not legal or tax advice. Requirements were read from the official sources linked above on 11 October 2026 and can change; we confirm them for your case.