{"id":"ecuador-jubilado-rentista","name":"Ecuador Pensioner and Rentier Residence (Jubilado and Rentista)","type":"RBI","status":"operational","country":"Ecuador","country_code":"EC","url":"https://www.mirabelloconsultancy.com/immigration/ecuador-jubilado-retirement-visa","min_investment":{"amount":null,"currency":"USD","route":"Foreign retirement pension (Jubilado) or lawful income (Rentista) of at least three times the unified basic salary, USD 1,446 a month in 2026, plus USD 250 a month for each person covered (Ley Orgánica de Movilidad Humana art. 60 nums. 2 and 3; Reglamento arts. 63 and 65). Proof of income, not an investment"},"qualification_basis":"financial_means","investment_routes":null,"family_pricing":null,"processing_time":null,"processing_time_note":"No decision deadline is published on the MREMH procedure page, in the LOMH or in the Reglamento; the application is online only through the e-VISAS system, with immediate payment, and can be made from abroad or in Ecuador. Official fees: USD 50 application plus USD 270 visa grant, no VAT; 50% exemption from age 65 and 100% exemption for a disability of 30% or more (MREMH procedure page, updated 31 December 2024). Documents: the pension or rent document above; a criminal-record certificate for the country of origin and the countries lived in during the last five years, translated, apostilled and issued within 180 days before the last entry (adults only); a migratory-registry certificate since the October 2025 reform; a passport valid for six months or more; and health insurance valid for the visa period with cover in Ecuador. (unverified)","visa_free_count":null,"passport_index_rank":null,"key_destinations":null,"travel_access":null,"minimum_stay":"No minimum stay and no limit on time spent outside Ecuador during temporary residence (LOMH art. 65); conversion to permanent residence after 21 continuous months allows no more than 90 days abroad over the visa's validity (Reglamento art. 84).","tax_note":"income tax: Progressive 0% to 37% on tax residents' worldwide income (2024 SRI table: 0% up to USD 11,902, top rate 37% above USD 107,199), with a foreign tax credit (LRTI Art. 2 num. 2, Art. 36, Art. 49; LRTI consolidated by SRI to 25 Mar 2024, sri.gob.ec, read 2026-10-11).; CGT: Capital gains generally taxable; specific regimes for real-estate value gains; wealth tax: No general net-wealth tax; inheritance tax: Inheritance/gift tax applies (progressive); tax residency: Tax resident if present 183 or more days in the same fiscal (calendar) year, or 183 or more days in a 12-month span across two fiscal years unless residence elsewhere is proved, or main economic interests in Ecuador, or no other country with 183 or more days (LRTI Art. 4.1; LRTI consolidated by SRI to 25 Mar 2024, sri.gob.ec, read 2026-10-11) (unverified)","path_to_citizenship":"Ordinary naturalisation (LOMH arts. 71 and 72) requires permanent residence plus three years of regular domicile. (unverified)","highlights":["Pension or lawful income of USD 1,446 a month in 2026 (3 times the unified basic salary), re-priced each January","Two-year renewable visa with permanent residence after 21 continuous months; foreign pensions are taxed for tax residents"],"atomic_answer":"Ecuador's temporary residence visa for pensioners (Jubilado) requires a certified foreign retirement pension of at least three times the unified basic salary, USD 1,446 a month in 2026, plus USD 250 a month for each person covered; the Rentista category applies the same test to lawful income (Ley Orgánica de Movilidad Humana art. 60 nums. 2 and 3; Reglamento arts. 63 and 65). The visa lasts two years and is renewable, and permanent residence can be requested after 21 continuous months. Ecuador taxes tax residents on worldwide income, including foreign pensions, at 0% to 37% (Ley de Régimen Tributario Interno art. 2).","fees":null,"last_updated":"2026-10-11","data_freshness":null,"mirabello_index":{"composite":62.2,"rank_overall":null,"rank_in_type":null,"scores":{"tax":55,"stability":65},"confidence":0.29},"regulatory_status":{"fatf_list":null,"eu_tax_list":null,"us_sanctions":null,"oecd_crs_high_risk_scheme":false,"as_of":"2026-06","status":"not listed on FATF, EU tax, US OFAC, or OECD CRS-risk lists"},"processing_stages":null,"required_documents":null,"biometric_enrolment":null,"dependant_additions":null,"nationality_naturalisation":null,"retirement":{"route_name":"Ecuador temporary residence visa for pensioners (Jubilado) and rentiers (Rentista)","region":"Latin America","tags":["retirement","passive-income"],"income_requirement":{"amount":1446,"currency":"USD","period":"month","basis":"either","per_dependant":250,"note":"Three times the unified basic salary (SBU) a month: USD 1,446 in 2026, with the SBU at USD 482 (Acuerdo MDT-2025-195); the figure re-prices each January. The Jubilado needs an apostilled or legalised document from the competent foreign institution certifying a monthly retirement pension of at least that amount (Reglamento art. 65); the Rentista needs documents certifying monthly lawful income (rentas) of the same amount, from leases, investment titles and similar sources, domestic or foreign (art. 63). USD 250 of additional monthly income is required for each person covered (spouse or recognised partner and children, LOMH art. 60 num. 13). Acuerdo Ministerial 70 art. 19 separately lists a fixed-term deposit paying monthly interest of at least 1 SBU as a general means-of-living document, a lower bar than the category test. (unverified)"},"net_worth_or_deposit_option":null,"stay_requirement":{"days_per_year":null,"max_continuous_absence_days":null,"stated_by_official_source":true,"rule":"No minimum stay and no limit on time spent outside Ecuador during temporary residence (LOMH art. 65); conversion to permanent residence after 21 continuous months allows no more than 90 days abroad over the visa's validity (Reglamento art. 84).","note":"Tax residence is a separate test (183 days or more, LRTI art. 4.1)."},"foreign_income_tax":{"treatment":"worldwide","label":"Worldwide: once you are tax-resident, your foreign pension and investment income ARE taxed here.","note":"Worldwide. A tax resident is taxed on income obtained abroad (LRTI art. 2 num. 2), including foreign pensions: art. 9 num. 7 exempts only IESS, ISSFA, ISSPOL, State and Labour-Code employer pensions. Rates are progressive from 0% to 37% (SRI table in the consolidation to 25 March 2024) with a credit for foreign tax paid (art. 49). Tax residence: 183 days or more in the same fiscal year, or in a 12-month span across two fiscal years unless residence elsewhere is proved, or main economic interests in Ecuador, or no other country with 183 days (art. 4.1). A separate 5-year 'residencia fiscal temporal' election limits tax to Ecuadorian-source income, but only for first-time residents who invest at least USD 150,000 in Ecuador or prove at least USD 2,500 a month of non-Ecuadorian income, plus social-security affiliation, with the conditions met between day 1 and day 120 after entry; it is not part of the visa. (unverified)","source":"https://www.sri.gob.ec/o/sri-portlet-biblioteca-alfresco-internet/descargar/d8fe2b8b-a4e9-4a05-b8cf-3115ec868213/LRTI_ultima_actualizacion_25032024.pdf","tax_residence_caveat":"Tax follows tax residence, not the permit: the treatment applies once you are tax-resident there. Information, not tax advice."},"path_to_pr":"Temporary residence of two years, renewable; permanent residence can be requested after 21 continuous months (LOMH art. 63 num. 1; Reglamento arts. 83 and 84).","path_to_citizenship":"Ordinary naturalisation (LOMH arts. 71 and 72) requires permanent residence plus three years of regular domicile. (unverified)","processing_note":"No decision deadline is published on the MREMH procedure page, in the LOMH or in the Reglamento; the application is online only through the e-VISAS system, with immediate payment, and can be made from abroad or in Ecuador. Official fees: USD 50 application plus USD 270 visa grant, no VAT; 50% exemption from age 65 and 100% exemption for a disability of 30% or more (MREMH procedure page, updated 31 December 2024). Documents: the pension or rent document above; a criminal-record certificate for the country of origin and the countries lived in during the last five years, translated, apostilled and issued within 180 days before the last entry (adults only); a migratory-registry certificate since the October 2025 reform; a passport valid for six months or more; and health insurance valid for the visa period with cover in Ecuador. (unverified)","official_source":"https://www.gob.ec/sites/default/files/regulations/2023-05/REGLAMENTO%20A%20LA%20LOMH-2023.pdf","legal_basis":"Ley Orgánica de Movilidad Humana (LOMH), Registro Oficial Suplemento 938 of 6 February 2017: art. 60 nums. 2 (Rentista) and 3 (Jubilado), text replaced by the Ley published in R.O. 386-3S of 5 February 2021; art. 63 (permanent residence after 21 months); art. 64; art. 65 (continuity of residence); arts. 71 and 72 (naturalisation). Reglamento a la LOMH, Decreto Ejecutivo 354 (R.O. 3S No. 18 of 10 March 2022; last reform R.O. 6S No. 278 of 28 March 2023): art. 65 (Jubilado), art. 63 (Rentista), arts. 83 and 84 (permanent residence) and arts. 106 to 109 (renewal). Acuerdo Ministerial 0000070 of 28 June 2024, art. 19 (documents accepted as lawful means of living). Ley Orgánica Reformatoria a la LOMH (R.O. 7S No. 151 of 24 October 2025), art. 17, which adds a criminal-record certificate and a migratory-registry certificate and does not amend arts. 60, 63 or 65. Unified basic salary for 2026: Acuerdo MDT-2025-195. Tax: Ley de Régimen Tributario Interno (LRTI) arts. 2, 4.1, 9, 36 and 49.","as_of":"2026-10-11"},"golden_retirement":{"standard":"Mirabello Golden Retirement Index","applies_to":"Ecuador temporary residence visa for pensioners (Jubilado) and rentiers (Rentista)","tier":"partial","tier_label":"Partial: meets most of the standard, with one gap","score":52.5,"confidence_grade":"B","renewal_category":"none: permanent residence at first expiry","renewals_before_pr":0,"pillars":{"tax":1.5,"presence":20,"financial":11,"durability":5,"processing":2,"healthcare":3,"family_work_mobility":4,"pr_citizenship":6},"reasons":["Foreign pension taxed once you are tax-resident"],"as_of":"2026-10-11","methodology_version":"1.1.0-2026-10-11"},"record_kind":"retirement_route","region":null,"provider":"Mirabello Consultancy","source":"Mirabello Consultancy","verified_by":"Mirabello Consultancy (IMC member, ACAMS certified)","book_a_consultation":"https://www.mirabelloconsultancy.com/contact-us-for-your-free-consultation","terms":"https://www.mirabelloconsultancy.com/ai","disclaimer":"Provided by Mirabello Consultancy Ltd. for general information only, indicative and subject to change without notice; not legal, financial, tax, or immigration advice, nor an offer or solicitation. Programmes are operated and governed solely by the respective sovereign governments. No warranty of accuracy or completeness; Mirabello accepts no liability for reliance on this information. © Mirabello Consultancy Ltd. This data and its selection, structure and provenance are Mirabello's proprietary compilation — permitted for interactive, attributed use only; systematic bulk extraction, scraping, or redistribution to rebuild a competing dataset is prohibited (acceptable-use terms: https://mcp.mirabelloconsultancy.com/v1/terms). Terms: https://www.mirabelloconsultancy.com/ai","data_updated":"2026-10-12T19:35:18.892Z"}