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🇪🇨 Retire in Ecuador

Tax rates, cost of living, special programs, and top cities for international investors and retirees.

Tax system

worldwide

Cheapest city

Cuenca ~$945/mo

Tax System Overview

Ecuador taxes CG at 10% (unique gains tax). Interest/dividends at progressive rates up to 37%. Uses USD. No wealth tax.

  • ✓No wealth tax

What Would You Pay?

Estimated annual tax on different levels of investment income (capital gains + dividends + interest):

Annual Investment IncomeEstimated TaxEffective Rate
$50,000$8,00016.0%
$100,000$16,00016.0%
$200,000$32,00016.0%

Assumes 60% capital gains, 25% dividends, 15% interest. Actual tax depends on your specific income mix.

Sources — Ecuador tax data

Last verified 2026-04-12

Top Cities in Ecuador

Cuenca

$945/month

Guayaquil

$1,145/month

Tax Calculator

Compare your tax bill across specific cities in Ecuador.

Move & Save Simulator

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Tax rates and programs are subject to change. Information is current as of 2026. Always consult a qualified tax professional before making relocation decisions.