How to Live Your Retirement in Andorra: Residency, Health, Tax and Budget
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The short answer
A French retiree usually settles with residency without gainful activity, which requires an investment of at least 1,000,000 €. They must arrange health cover, check how their pension is taxed and gauge housing costs before leaving.
The retiree's five questions
- Which status? Residency without gainful activity: an investment of at least 1,000,000 €verified on 09/10/2026 and a non-refundable payment of 50,000 €verified on 09/10/2026 to the AFA. See passive residency.
- Which healthcare? The cover is not equivalent to the French system. See health and insurance.
- Which tax? IRPF applies to Andorran tax residents (rate 10 %verified on 09/10/2026 after a tax-free allowance of 24,000 €verified on 09/10/2026). See taxation of pensions.
- Which budget? Housing weighs the most. See cost of living.
- Which lifestyle? Altitude, winter, distances: see drawbacks of living in Andorra.
What about the Andorran pension?
The local retirement age is 65 yearsverified on 09/10/2026: see retirement age in Andorra. A French retiree continues to receive their French pensions, to be declared according to their tax home.
A retirement project in five decisions
| Decision | Benchmarks |
|---|---|
| Status | Residency without gainful activity: initial 2 yearsverified on 12/10/2026, longer renewals for French citizens |
| Housing | Purchase (average price 4,569.70 €/m²verified on 09/10/2026 per m²) or rental: see renting |
| Health | Insurance valid in Andorra required for residency: see health and insurance |
| Tax on the pension | Taxable in the state of residence under the treaty: see pensions |
| Budget | Retiree's budget |
The sensitive points
A private pension is taxable in the state of residence; a public pension is taxable in the paying state except in cases of nationality: see civil servant pension. A French retiree settled in Andorra is caught by the clause of article 25.1.d: see tax residency and risks.
What the Andorran pension adds
The statutory CASS age is 65 yearsverified on 09/10/2026: see retirement age. An employee who retires in Andorra is exempt from the investment conditions of passive residency.
Work out your own case
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Frequently asked questions
Can a French citizen retire in Andorra?
Yes, usually with residency without gainful activity, which requires an investment of at least 1,000,000 €.
What is the retirement age in Andorra?
65 years for the ordinary CASS pension.
Is my French pension taxed in Andorra?
It depends on your tax residency. An Andorran tax resident falls under IRPF, at a rate of 10 % after the tax-free allowance, subject to French rules if your tax home remains in France.
Going further
Official sources
This information is general and is not personalised legal, tax or financial advice. It is verified as of the date shown and may change.