How much money do you need to retire in Aruba?

A comfortable retirement in Aruba runs roughly $5,000 per person per month for one or $7,500 to $8,500 for a couple, based on CostLiving’s comfortable lifestyle benchmark and the typical two-person scaling. Aruba’s Penshonado programme requires monthly retirement income proof, typically $2,500 to $4,000 a month depending on family size and the housing setup, plus a health insurance plan that covers care on the island. US Social Security and most pensions remain payable to recipients in Aruba. Healthcare carries a premium for non-residents until enrolled in local coverage. Aruba is more expensive than St Thomas ($4,265), comparable to Curaçao ($5,310), and cheaper than Cayman ($5,890). For the full cost picture, see our Aruba cost of living page.