Panama City's Cinta Costera waterfront at sunset
Beyond Panama RelocationFor retirees · remote workers · digital nomads · investors

Move to Panama,
without guessing.

Real information about visas, neighborhoods and cost of living — no sales pressure, no empty promises. Like a friend who already did it telling you how it really is.

30–50% below US costs  ·  USD economy  ·  Guides in EN · ES · FR

Your complete guide to Panama relocation — visas, areas to live, and cost of living

Everything you need to make the right decision

$1,200–$5,000

Monthly cost of living

6 visa routes

Permanent residency options

EN + ES

All guides bilingual

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Frequently Asked Questions

Does Panama use the US dollar?
Yes. Panama's official currency is the US dollar — there is no local exchange rate and no currency conversion risk. This makes budgeting straightforward for anyone earning in USD and is one of the main reasons the country consistently attracts retirees, remote workers, and investors from North America and Europe.
What residency visas does Panama offer for foreigners?
Panama offers several residency pathways depending on your situation. ThePensionado visa is designed for retirees with a lifetime pension of at least $1,000/month — it grants permanent residency and a wide catalog of discounts. TheFriendly Nations visa targets citizens of specific countries with economic ties to Panama. TheQualified Investor visa requires a qualifying financial investment. The Digital Nomad visa is available for remote workers earning income outside of Panama. Beyond Panama Relocation covers each visa with requirements, processing times, and aside-by-side comparison.
How much does it cost to live in Panama per month?
Living costs in Panama range from $1,200 to over $5,000 per month, depending on location and lifestyle. A couple living simply in Boquete — a popular highland town — can manage on approximately $1,620/month, covering rent, groceries, utilities, health insurance, internet, and transportation. Costs in Panama City will be substantially higher. Panama is typically30–50% less expensivethan an equivalent lifestyle in the United States.
What are the most popular areas for expats in Panama?
The most popular areas for foreign residents in Panama are Panama City (the capital, with the broadest range of services and price points),Boquete (a mountain town with a cool climate and a well-established expat community), Coronado (a Pacific beach area popular with retirees), and Bocas del Toro (a Caribbean archipelago with a laid-back lifestyle). Each area has a distinct profile in terms of cost, community, and infrastructure.
Google Reviews

What our clients say

Real reviews from people who trusted us with their relocation process.

JR

José Rodríguez

Verified

2 months ago

My experience with Moisés and his team was excellent. From the beginning, they were very helpful and explained everything clearly. They made the relocation process much easier and were always available when I had questions. I would definitely recommend them to anyone considering moving to Panama.

SM

Sarah Mitchell

Verified

3 months ago

We had a great experience working with Moisés during our relocation to Panama. He was always available to answer our questions and made the residency process much easier to understand. We really appreciated his patience, knowledge, and personal attention throughout the process.

DT

Daniel Thompson

Verified

3 months ago

Moisés was extremely helpful from the beginning. He guided us through the different residency options and helped us understand what we needed to do before moving to Panama. Everything was explained clearly, and we always felt that we were in good hands. Highly recommended.

MA

Michael Anderson

Verified

4 months ago

If you are considering moving to Panama, I highly recommend speaking with Moisés. He helped us not only with our residency process but also gave us useful guidance about settling in Panama. He was responsive, professional, and genuinely interested in helping us have a smooth experience.

RJ

Robert Johnson

Verified

4 months ago

Nelson was excellent to work with. He was reliable, friendly, and always willing to go the extra mile to help us. His local knowledge and attention to detail made things much easier for us. We really appreciated his help and would gladly recommend him to anyone moving to Panama.

JC

James Carter

Verified

5 months ago

George was a great help during our time in Panama. He was very attentive, reliable, and always willing to help whenever we needed something. Having someone like him available made our experience much easier and more comfortable.

LW

Linda Williams

Verified

5 months ago

We really enjoyed working with George. He was friendly, knowledgeable, and very easy to communicate with. He helped us with several things during our relocation and always made sure everything was taken care of. We would definitely recommend him.

SO

Sophie Martin

Verified

6 months ago

Eloise was wonderful to work with. She was always kind, helpful, and attentive to the details. She made us feel welcome and was always willing to assist whenever we had questions. We truly appreciated her support throughout our experience in Panama.

MI

Michael

Verified

7 months ago

Moving to another country can be overwhelming, but working with Moisés and his team made the process much simpler. They were always willing to help and provided guidance throughout the process. I especially appreciated how easy it was to communicate with them and how quickly they responded.