05. Montenegro

Picture a life where your retirement savings go a long way: the cost of living in Montenegro averages around €600 to €800 per month, offering an incredibly wallet-friendly environment. 

Renting a cozy one-bedroom apartment by the Adriatic Sea costs approximately €300 to €500 per month, making the dream of waking up to the serene beauty of the coast a reality. 

Transitioning into the relaxed Montenegrin lifestyle is seamless as you dine on fresh seafood and embrace the warm Mediterranean climate in one of the cheapest countries to retire.