Portugal: A wonderful place to retire

Are you looking for a place to retire that offers a low cost of living, a sunny climate, a friendly culture, and a variety of attractions? If so, you might want to consider Portugal as your retirement destination. Portugal is one of the most popular countries for retirees in Europe for good reason.

Benefits of retiring in Portugal

Tax benefits

Portugal has a special tax regime for non-habitual residents (NHR) that allows foreign retirees to enjoy tax exemptions on their pensions and other income sources for 10 years. This means you can keep more of your hard-earned money and spend it on the things you love. To qualify for the NHR status, you need to register as a tax resident in Portugal and prove that you have not been a tax resident in Portugal in the previous five years.

Climate

Portugal has a mild and sunny climate that is ideal for outdoor activities and enjoying nature. The country has an average of 300 days of sunshine per year and temperatures rarely drop below 10°C (50°F) in winter or rise above 35°C (95°F) in summer. The country also has a stunning coastline with over 800 km (500 miles) of sandy beaches and picturesque fishing villages.

Culture

Portugal has a rich and diverse culture that reflects its long history and influences from various civilizations. The country is known for its music, art, literature, architecture, and cuisine. You can explore the UNESCO World Heritage sites, such as the historic center of Porto, the monastery of Batalha, or the convent of Christ in Tomar. You can also enjoy the lively festivals, such as Carnival, Easter, or Fado music events. And of course, you can savor the delicious food and wine of Portugal, especially the seafood, cheese, pastries, and port wine.

Healthcare

Portugal has a high-quality and affordable healthcare system that ranks among the best in Europe. The country has both public and private healthcare options, and expats can access both with ease. The public healthcare system is free or low-cost for residents who contribute to social security. The private healthcare system offers more choices and shorter waiting times for a reasonable fee. Many doctors and nurses speak English and other languages, making it easy for expats to communicate their needs.

Safety

Portugal is one of the safest countries in Europe and the world, according to the Global Peace Index. The country has a low crime rate, a stable political system, and a friendly population. You can feel safe walking around the streets, taking public transportation, or traveling to different regions. You can also enjoy peace of mind knowing that Portugal is part of the European Union and NATO, which offer security and protection.

Golden Visa Program

Portugal’s Golden Visa Program is on the verge of extinction, set to expire at some unspecified point by the end of 2023. While the exact timeline is still uncertain, recent clarifications imply no retroactive effect on the new law. Applications will be accepted until the law is published, and pending applications and renewals will transition to a D2 Entrepreneur’s Permit, maintaining the 7-day per year stay requirement. Legal experts recommend acting promptly to secure your spot in the program.

Buying Property to Qualify for Portuguese Golden Visa

You will not be able to buy property just anywhere!

The real estate investment route locations only cover property investments made in low-density areas within Portugal. This means that buying residential real estate in Lisbon or Porto will no longer qualify for the Golden Visa program.

Properties have to be located in the Autonomous Regions of the Azores and Madeira or in the interior territories.

Lisbon and Porto have been the most popular real estate acquisition destinations among the Golden Visa applicants in Portugal. However, the proposed changes only allow real estate purchases in municipalities of the interior or the autonomous regions of Azores and Madeira to qualify for the program. So, this is quite a major proposal.

Tip! Get the latest information & guidance from the Pro’s: Get Golden Visa

Golden Visa comparison table

Cost of living in portugal

Portugal is a popular destination for expats, tourists, and retirees who are looking for a sunny and affordable place to live. But how much does it cost to live in Portugal? Here are some facts and figures based on the latest data from various sources:

The average net disposable income per household in Portugal is €18,287 a year, lower than the OECD average. The cost of living in Portugal is, on average, 36.7% lower than in the United States and 52.2% lower for rent.

The most expensive city in Portugal is Lisbon, the capital, where a single person can expect to spend about €2,000 per month including rent, while a family of four will likely spend around €5,000 per month. The cheapest city in Portugal is Braga, in the north, where a single person can spend about €1,000 per month including rent, while a family of four will spend around €2,500 per month.

Housing

The cost of housing in Portugal varies depending on the location, size, and condition of the property. Renting a one-bedroom apartment in Lisbon can cost between €650 and €860 per month, while buying a similar property can cost between €250,000 and €300,000 .

Utilities

The cost of utilities in Portugal is also dependent on the location and usage. The average monthly bill for electricity, water, gas, and garbage for a 915 sq ft apartment is €112.17. Internet and mobile phone plans are relatively cheap, with an average monthly cost of €34.75 for unlimited data and 60 Mbps speed.

Food & Drink

The cost of food and drink in Portugal is generally lower than in other western European countries. A meal at an inexpensive restaurant can cost €9.00, while a three-course meal for two at a mid-range restaurant can cost €40.00. Groceries are also affordable, with a loaf of bread costing €1.11, a dozen eggs costing €2.32, and a bottle of wine costing €4.00.

Transportation

The cost of transportation in Portugal is reasonable, especially for public transport. A one-way ticket for local transport costs €1.70, while a monthly pass costs €40.00. Taxis are also available, with a start tariff of €3.50 and a rate of €1.29 per mile. Gasoline is more expensive than in the US, with an average price of €7.14 per gallon.

Healthcare

The cost of healthcare in Portugal is low compared to other countries. Public healthcare is free or subsidized for residents and EU citizens who have a European Health Insurance Card (EHIC). Private healthcare is also available, with an average monthly premium of €20 for basic coverage.

Childcare

The cost of childcare and education in Portugal is also affordable. Preschool or kindergarten costs an average of €348.07 per month for private full-day care. International primary schools charge an average of €7,917.47 per year. Public schools are free or low-cost for residents.

Entertainment

The cost of entertainment in Portugal depends on the type of activities one chooses to do and the location. According to some previous travelers, the average cost of entertainment and activities in Portugal is about €17 per person, per day. This includes fees paid for admission tickets to museums and attractions, day tours, and other sightseeing expenses. However, this amount can vary depending on the season, the city, and the personal preferences of the traveler.

Some examples of entertainment costs in Portugal are:

Visiting historical and cultural sites, such as castles, monasteries, churches, and museums. Some of these sites are free or have reduced fees for students, seniors, or residents. Others may charge between €5 and €15 per person .
Exploring the natural beauty of Portugal, such as beaches, mountains, forests, and islands. Some of these places are accessible by public transport or car, while others may require a boat or a plane ride. The cost of transportation can vary depending on the distance and the mode of travel. Some natural attractions may also have entrance fees or require a guide .
Enjoying the food and drink scene in Portugal, which is known for its seafood, wine, cheese, pastries, and coffee. Eating out at a local restaurant can cost between €10 and €20 per person, while dining at a more upscale restaurant can cost between €30 and €50 per person. A glass of wine can cost between €2 and €5, while a cup of coffee can cost between €0.50 and €1.50.
Experiencing the nightlife and entertainment in Portugal, which can range from traditional fado music to modern clubs and bars. A ticket to a fado show can cost between €10 and €20 per person, while a drink at a bar or a club can cost between €3 and €10. Some venues may also have cover charges or dress codes.

Popular Places to retire in portugal

Whether you want to enjoy the vibrant city life, the laid-back beach vibe, or the charming countryside, Portugal has something for everyone. In this blog post, I will share with you some of the most popular places in Portugal to live as an expat, based on my own experience and research.

Lisbon

Lisbon is the capital and largest city of Portugal, and one of the most attractive destinations for expats. Lisbon has a stunning historical center, full of monuments, museums, and colorful buildings. It also has a lively nightlife, with plenty of bars, clubs, and restaurants to choose from. Lisbon is a hub for innovation and creativity, hosting many tech events and startups. It also has a large and diverse expat community, making it easy to meet new people and network. Lisbon is well-connected by public transport, and has easy access to nearby beaches and natural parks.

Porto

Porto is the second-largest city in Portugal, and the home of the famous port wine. Porto is a charming city with a lot of character, featuring medieval architecture, cobblestone streets, and picturesque bridges. Porto is also known for its gastronomy, offering delicious dishes such as francesinha, bacalhau, and pastel de nata. Porto is a cultural city, with many museums, galleries, and festivals to enjoy. Porto is more affordable than Lisbon, and has a friendly and relaxed atmosphere.

Cascais

Cascais is a coastal town near Lisbon, popular among expats who want to enjoy the best of both worlds. Cascais has a beautiful beachfront, with golden sand and clear water. It also has a charming old town, with elegant villas, shops, and cafes. Cascais is ideal for outdoor lovers, as it offers many activities such as surfing, golfing, hiking, and cycling. Cascais is only 30 minutes away from Lisbon by train, so you can easily commute to the city for work or entertainment.

The Algarve

The Algarve is the southernmost region of Portugal, and one of the most popular places in Portugal to live for expats who love the sun and the sea. The Algarve has over 300 days of sunshine per year, and some of the best beaches in Europe. It also has a stunning natural scenery, with cliffs, caves, and islands. The Algarve has a low cost of living, and a high quality of life. It also has a large expat community, especially from the UK. The Algarve offers many options for living, from bustling towns like Faro and Albufeira, to quaint villages like Tavira and Silves.

Coimbra

Coimbra is a university town in central Portugal, with a rich history and culture. Coimbra was once the capital of Portugal, and still retains its medieval charm. Coimbra is home to one of the oldest universities in Europe, which attracts many students and academics from around the world. Coimbra is a lively and youthful city,

Expat clubs & societies

If you’re an expat living in Portugal, you might be looking for some ways to connect with other people who share your interests, hobbies, or background. Luckily, there are many clubs and societies in Portugal that cater to expats from different countries, cultures, and professions. Whether you want to join a sports team, a book club, a language exchange, or a charity group, you can find something that suits your needs and preferences. Here are some of the most popular expat clubs and societies in Portugal that you can check out:

The British-Portuguese Chamber of Commerce

This is a business network that promotes trade and investment between the UK and Portugal. It organizes events, seminars, workshops, and social gatherings for its members and guests. It also offers advice and support to British companies and individuals who want to do business in Portugal or vice versa.

The International Women in Portugal

This is a non-profit organization that aims to provide support and friendship to women of all nationalities living in Portugal. It offers a range of activities and services, such as cultural tours, coffee mornings, language classes, book clubs, craft groups, and more. It also publishes a monthly newsletter and a directory of useful contacts and resources.

The American Club of Lisbon

This is a social club that welcomes Americans and friends of America living in Portugal. It hosts events such as happy hours, dinners, picnics, golf tournaments, wine tastings, and more. It also supports charitable causes and sponsors scholarships for Portuguese students who want to study in the US.

The Lisbon Hash House Harriers

This is a running club that follows the tradition of the original Hash House Harriers in Malaysia. It organizes runs every other Sunday in different locations around Lisbon and its surroundings. The runs are followed by a circle where participants sing songs, tell jokes, and drink beer. It’s a fun way to exercise and meet new people.

The International Club of Portugal

This is a club that aims to foster cultural exchange and friendship among people from different countries and backgrounds living in Portugal. It organizes lectures, concerts, exhibitions, trips, and parties for its members and guests. It also supports various humanitarian projects in Portugal and abroad.

Learning Portuguese

If you want to learn Portuguese, you have plenty of options to choose from. Online classes and learning apps are two of the most popular and convenient ways to master this beautiful language. Here are some of the benefits of each method and how they can help you achieve your goals.

Online classes are great for learners who want to interact with native speakers and other students. You can practice your speaking and listening skills in real time, get feedback from your teacher, and learn about the culture and history of Portugal and Brazil. Online classes also offer flexibility and convenience, as you can schedule them according to your availability and learn from anywhere with an internet connection.

Learning apps are perfect for learners who want to study at their own pace and have fun along the way. You can access a variety of games, quizzes, videos, and podcasts that will keep you engaged and motivated. Learning apps also allow you to track your progress and customize your learning experience according to your level and interests.

Whether you choose online classes, learning apps, or a combination of both, you will be amazed by how much you can learn in a short time. Portuguese is a fascinating and rewarding language that will open up new opportunities and perspectives for you. Don’t wait any longer and start your journey today!

Online Classes

Are you looking for a fun and effective way to learn Portuguese online? Do you want to explore the rich culture and history of Brazil and Portugal? If so, you should check out these popular online classes for learning Portuguese!

FluentU: FluentU is an immersive platform that turns authentic videos into language lessons. You can watch music videos, movie trailers, commercials and more, all with interactive subtitles and quizzes. FluentU will help you learn Portuguese as it’s spoken by native speakers, and expose you to a variety of topics and accents.
Rocket Portuguese: Rocket Portuguese is a comprehensive course that covers all the skills you need to communicate in Portuguese. You will learn through audio lessons, videos, flashcards, games and more. Rocket Portuguese uses a chunking approach that breaks down complex sentences into manageable chunks. You will also get feedback on your pronunciation with their voice recognition system.
italki: italki is a platform that connects you with native Portuguese tutors from around the world. You can choose from hundreds of teachers and schedule lessons at your convenience. italki is a great way to practice your speaking skills, get personalized feedback and learn about the culture and customs of different Portuguese-speaking countries.

Language Apps

If you want to learn Portuguese, you might be wondering what are the best apps to help you achieve your goal. Well, look no further! Here are some popular apps for learning Portuguese that you can try today.

Babbel: This app is great for beginners who want to learn the basics of Brazilian Portuguese. It has interactive lessons that cover grammar, vocabulary, pronunciation, and culture. You can also track your progress and review what you learned with quizzes and flashcards.
Mondly: This app is fun and engaging, and it teaches you Portuguese through conversations. You can choose from different topics and scenarios, and practice speaking with native speakers. You can also learn new words with games and challenges.
Duolingo: This app is one of the most popular ones for learning languages. It teaches you Portuguese through short and simple exercises that adapt to your level. You can also earn points, badges, and rewards as you learn.
Drops: This app is perfect for learning new words in Portuguese. It uses colorful illustrations and mnemonics to help you remember them. You can also listen to the pronunciation and spelling of each word.
MosaLingua: This app is based on the spaced repetition system, which helps you memorize words and phrases effectively. It also has dialogues, grammar tips, flashcards, and audio lessons.

These are just some of the popular apps for learning Portuguese that you can find online. They are all easy to use and have different features and benefits. Try them out and see which one suits you best!

Independent Language tutors (online)

Since its acquisition by Microsoft, takelessons has grown as a marketplace where you can find independent teachers & tutors specialising in many subjects. Just search for “Learn Portuguese” and you will discover several native language tutors to chose from. Click the image below to view the takelessons website:

How to live permanently in Portugal – British Retiree

Portugal is a popular destination for British retirees who want to enjoy a sunny and relaxed lifestyle in a European country. However, living in Portugal permanently as a British retiree requires some planning and preparation, especially after Brexit. Here are some steps you need to take to make your dream come true.

Apply for a residence visa before you move. As of 1 January 2021, British citizens need a visa to stay in Portugal for more than 90 days in any 180-day period. You can apply for a residence visa at the Portuguese consulate in the UK or online at https://www.vistos.mne.pt/en/. You will need to provide proof of income, health insurance, criminal record and other documents depending on your situation.
Register as a resident in Portugal within 90 days of arrival. Once you have your visa and arrive in Portugal, you need to register as a resident at the local town hall (Câmara Municipal) or immigration office (SEF). You will need to show your passport, visa, proof of address and proof of income. You will then receive a residence certificate (Certificado de Registo) that is valid for five years.
Apply for a Portuguese tax number (NIF) and open a bank account. A NIF is essential for many transactions in Portugal, such as paying taxes, buying property, signing contracts and accessing public services. You can apply for a NIF at the local tax office (Finanças) or online at https://www.portaldasfinancas.gov.pt/. You will need to provide your passport, residence certificate and proof of address. To open a bank account, you will need to show your NIF, passport and proof of income.
Exchange your UK driving licence for a Portuguese one. If you plan to drive in Portugal, you need to exchange your UK driving licence for a Portuguese one within 90 days of becoming a resident. You can do this at the local IMT office (Instituto da Mobilidade e dos Transportes) or online at https://www.imt-ip.pt/. You will need to provide your passport, residence certificate, NIF, UK driving licence and a medical certificate.
Apply for healthcare access and social security benefits. As a British retiree living in Portugal, you can access the Portuguese public healthcare system (SNS) by registering at your local health centre (Centro de Saúde) with your passport, residence certificate and NIF. You will then receive a user number (Número de Utente) that allows you to book appointments, get prescriptions and access other services. You may also be eligible for social security benefits from Portugal or the UK, depending on your situation. You can check your entitlements and apply online at https://www.seg-social.pt/ or https://www.gov.uk/.

How to live permanently in Portugal – American Retiree

If you are a US citizen who wants to retire in Portugal, you might be wondering how to live there permanently. Here are some steps you can follow to make your dream come true:

Apply for a visa. You will need a visa to enter Portugal and stay for more than 90 days. The most common visa for retirees is the D7 visa, which allows you to live on passive income such as pensions, investments, or rental income. To apply for this visa, you will need to show proof of sufficient funds, health insurance, a criminal record certificate, and a rental contract or property deed in Portugal. You will also need to fill out an application form and pay a fee at the nearest Portuguese consulate in the US.
Apply for residency. Once you arrive in Portugal with your visa, you will need to apply for residency at the local immigration office (SEF). You will need to bring your passport, visa, proof of income, health insurance, rental contract or property deed, and a tax identification number (NIF). You will also need to pay a fee and take a biometric photo and fingerprint. You will receive a temporary residence permit that is valid for one year and can be renewed for two more years.
Apply for permanent residency or citizenship. After five years of living in Portugal with a valid residence permit, you can apply for permanent residency or citizenship. Permanent residency gives you the right to live and work in Portugal indefinitely, while citizenship gives you the right to vote and hold a Portuguese passport. To apply for either option, you will need to show proof of integration in Portuguese society, such as knowledge of the language, culture, and history. You will also need to pass a test and pay a fee.

Living in Portugal as an American retiree can offer you many benefits, such as a lower cost of living, a high quality of life, a mild climate, and access to affordable healthcare. However, you will also need to consider some challenges, such as taxes, bureaucracy, language barriers, and cultural differences.

Portugal – LGBTQ+

Portugal is known as one of the most LGBTQ-friendly countries in the world. LGBT people have access to a variety of rights such as gay marriage and adoption. Cities like Porto and Lisbon are accepting and have a large LGBTQ community. Portugal as a country is incredibly LGBTQ+ friendly from both a cultural and legal perspective. Marriage equality, LGBTQ+ adoption, and nondiscrimination policies have been the law of the land for many years. LGBTQ+ travellers will experience respect in Portugal and should run into very few issues related to their identity

Summary

As you can see, Portugal has many advantages for retirees who want to enjoy a high quality of life at a low cost. If you are interested in retiring in Portugal, you will need to apply for a residence permit from the Portuguese Immigration Service (SEF). You will also need to show proof of income, health insurance, and accommodation.