Retiring in Andorra: residency, pensions and healthcare
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The short answer
A retiree usually settles with residency without gainful activity. They need to plan for the financial and presence requirements, the taxation of their pensions and their healthcare cover.
Your reading path
Read these pages in this order:
Common mistakes
- Declaring yourself resident without actually living there
- Neglecting health cover
- Underestimating the cost of housing
Next steps
- Prepare your 90-day checklist.
- Check your tax situation: tax domicile.
- Compare the parishes and browse the listings.
A retiree's path
| Question | Answer |
|---|---|
| Which status? | Residency without gainful activity: investment, payment, insurance, housing, presence |
| For how long? | 2 yearsverified on 12/10/2026 at the start; French nationals benefit from longer renewals |
| Tax on the pension | Taxable in the State of residence (art. 17): Taxable only in the State of residence of the beneficiary, subject to Article 25 (portion exempt or not taxable in that State)verified on 09/10/2026 |
| Health | Insurance valid in Andorra required for residency: see health and insurance |
The figures to know
Minimum investment of 1,000,000 €verified on 09/10/2026 (400,000 €verified on 09/10/2026 via the Fonds d'Habitatge) and a non-refundable payment of 50,000 €verified on 09/10/2026. Andorran IRPF is 10 %verified on 09/10/2026 after an exempt minimum of 24,000 €verified on 09/10/2026.
The sensitive point: tax residence
A retiree of French nationality settled in Andorra is covered by the clause in article 25.1.d of the treaty. If they keep their life and home in France, they may be treated as a French resident. See tax residence and risks.
Public pensions
A civil servant's pension is dealt with separately: see civil servant or military pension.
For a budget
The retiree's budget brings together the key figures: inflation, prices, tax.
Work out your own case
Free simulators, built on the official values of this page.
Frequently asked questions
What status applies to a retiree?
Residency without gainful activity is the most common route. See the passive residency page.
Can I keep my French pension?
Pensions can be paid abroad; inform your pension funds of the change of residence.
Going further
- Retiring in Andorra: the guide for French retirees (tax, residency, budget)
- Private pension and tax: what the France–Andorra convention says
- Passive residency in Andorra: requirements, costs and pitfalls
- Retiring in Andorra: Taxation of Pensions for a French Citizen
- Healthcare in Andorra: CASS, compulsory insurance and supplementary cover
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.