🇮🇩 Southeast Asia

FIRE Number for Bali, Indonesia

Name: Bali, Indonesia
Address: Bali, Indonesia

Indonesia

Tropical Paradise Meets Affordable Retirement — Live the Dream in Bali, Indonesia

FIRE Score Based on safety, healthcare, infrastructure & expat friendliness

Bali combines spiritual tranquility, jaw-dropping natural beauty, and a thriving international community at remarkably low costs. From the rice terraces of Ubud to the surf breaks of Canggu, Bali offers FIRE retirees a lifestyle centered on wellness, creativity, and outdoor living that feels like a permanent vacation.

Lean FIRE, FIRE, and Fat FIRE for Bali

The portfolio you need to retire in Bali at each lifestyle level, based on the 4% safe withdrawal rate.

Lifestyle	FIRE Number	Monthly Cost
Lean FIRE	$750K	$2,500/mo
FIRE	$1.32M	$4,400/mo
Fat FIRE	$3.03M	$10,100/mo

Cost data: Q1 2026 · High confidence

Cost of Living Breakdown for Bali

Lean FIRE Lifestyle

$750K

A small 1-bedroom villa or apartment in Ubud or Sanur with garden access. Eating mostly at local warungs, which are cheap and good. Getting around by scooter. Basic international health insurance, though serious medical issues require evacuation to Singapore. Yoga classes and beach days are cheap or free. Comfortable on a daily basis, but imported goods and Western dining add up quickly.

FIRE Lifestyle

$1.32M

A spacious 3-bedroom villa with private pool and valley or ocean views in Seminyak, Ubud, or Uluwatu. Regular dining at Bali's top restaurants like Locavore. A driver on retainer for getting around the island. Premium international health insurance with Singapore evacuation coverage. Domestic flights to other Indonesian islands for weekend trips. This budget covers a genuinely affluent life in Bali with regular travel.

Fat FIRE Lifestyle

$3.03M

A premium beachfront or cliff-top estate with multiple pavilions and possibly a second property in Ubud. A housekeeper, a cook a few times a week, a gardener, and a driver. First-class flights internationally and regular travel across Indonesia. Concierge global healthcare with immediate access to Singapore or Bangkok specialists. This budget far exceeds what Bali's market can absorb — you live at the top of what the island offers, but the island's limited fine-dining scene, patchy infrastructure, and remote location remain real factors.

Retirement Confidence

Enter your portfolio on the homepage to see Monte Carlo retirement confidence for Bali.

Important notes on retirement confidence

A 90% confidence level is widely considered a strong retirement plan — it means your portfolio survived in 9 out of 10 historically-modeled scenarios. A 95% or higher rate is extremely conservative. Reaching 100% is nearly impossible in any Monte Carlo model, because there will always be a few extreme worst-case market sequences that deplete any portfolio.

Early retirees may need portfolios to last 40-50+ years. The 4% rule was originally validated for 30-year retirements. Consider a more conservative withdrawal rate (3-3.5%) for very early retirement.

Healthcare, Visa & City Overview

climate Tropical

healthcare Adequate

english Common

safety Safe

visa Easy

Timezone

UTC+8 (Central Indonesia Time)

Currency

Indonesian Rupiah (IDR)

Language

Bahasa Indonesia (Balinese locally)

Avg. Temperature

81°F / 27°C

Internet

30–100 Mbps (varies by area; best in Canggu and Seminyak)

Airport

Ngurah Rai International Airport (DPS) — direct flights to Singapore, Kuala Lumpur, Sydney, Tokyo

Visa

30-day visa on arrival (extendable to 60 days); B211A social visa for 6-month stays; Second Home Visa for those with $130K+ in savings; retirement visa (KITAS) for 55+ with $1,500/mo proof of income

Frequently Asked Questions About Retiring in Bali

What is the FIRE Number for Bali, Indonesia?

The FIRE Number for Bali ranges from $750K (Lean FIRE lifestyle) to $3.03M (Fat FIRE lifestyle). A FIRE retirement requires a portfolio of approximately $1.32M, based on estimated monthly costs of $4,400 and a 4% safe withdrawal rate.

How much does it cost to retire in Bali?

Monthly living costs in Bali range from $2,500 (Lean FIRE) to $4,400 (FIRE), covering housing, dining, groceries, healthcare, transportation, entertainment, and utilities.

What is healthcare like in Bali for expats and retirees?

Healthcare in Bali costs approximately $325 to $350/month depending on coverage level. Basic international insurance; outpatient care at BIMC or local clinics; serious issues require evacuation to Singapore.

Do I need a visa to retire in Bali, Indonesia?

30-day visa on arrival (extendable to 60 days); B211A social visa for 6-month stays; Second Home Visa for those with $130K+ in savings; retirement visa (KITAS) for 55+ with $1,500/mo proof of income

What is the weather like in Bali?

Tropical with dry season (Apr–Oct) and wet season (Nov–Mar) The average temperature is 81°F / 27°C.

Is Bali English-friendly?

English proficiency in Bali is rated "Moderate." The primary language is Bahasa Indonesia (Balinese locally).

How safe is Bali for retirees?

Very Safe — low crime; main risks are motorbike accidents and petty theft