Kenya · Retire or live on savings
Kenya Class K · Ordinary resident
Income needed: $24k+ a year
Class K Permit (Ordinary residents, KEP/K)
Checked against official sources on Record corrected 11 Oct 2026Change log
Key facts
Class K · Ordinary resident is a retire or live on savings route for Kenya. Applicants need income of $24k+ a year. You can stay 5 yrs, renewable. You can't take local work. Checked 2026-10-12 against the official source.
- Money needed
- $24k+ a year
- Government fees
- KES 20k ≈ $150 · KES 250k/yr ≈ $1,930
- Processing
- 21 working days
- First stay
- 5 yrs
Cost, time and long term
To apply: 2 government fees listed below; income to show $24k+/yr; decision: 21 working days. No lawyer or agent fee is included.
Government feesKES 20k ≈ $150 · KES 250k/yr ≈ $1,930
- KES 20,000 (≈ $150)Non-refundable processing fee.
- KES 250,000 a year (≈ $1,930)Issuance fee per year of the permit.
Shown, not spent$24k+/yr
- $24,000 a yearAssured income not derived from Kenyan employment, trade, business or profession: remitted from sources outside Kenya, or a pension or annuity payable from Kenyan sources.
RenewalRenewable
Can be renewed for further periods, up to five years at a time, as long as you still have the required assured annual income.
Permanent residenceConditions
Permanent residence is open to people who have held Kenyan work permits for at least seven years and have lived in Kenya continuously for the three years before applying.
Kenya LawDirectorate of Immigration Services, Government of Kenya
CitizenshipAfter 7 years of residence
Registration as a citizen needs seven years of continuous lawful residence under a valid permit, including the 12 months just before applying. You also need to speak Kiswahili or a local language, know Kenya's citizen duties and rights, and be able to contribute to national development.
Processing21 working days
Service standard: 21 working days for a new work or residence permit and 10 working days for a renewal.
Where to applyWhere to apply
Apply online through the eFNS portal. The Act says a permit application is made before entering Kenya, and the form also asks for your current immigration status if you are already in the country.
Kenya LawDirectorate of Immigration Services, Government of Kenya
Presence rulesStay rule
A permit issued while you are outside Kenya stops being valid if you do not enter within 90 days of issue; the Director can extend that by up to 90 days on written application. The permit stays valid only while you keep the required assured annual income.
Why this route may not fit
Check this before you apply.
- Work isn't allowed on this route
- Only from age 35
What you'll need
Who can apply2
- The applicant is aged not less than 35.
- The applicant undertakes not to accept employment, paid or unpaid, or any income-generating activity without a permit of the relevant class.
What you must show1
- The issuance fee is KES 250,000 (≈ $1,930) for each year of the permit.
Documents3
- Police clearance certificate is required.
- Nigerian nationals only must also provide an NDLEA clearance certificate.
- A tax compliance certificate of the organisation is required, and of the individual on renewal.
When you become tax resident
How Kenya decides tax residence and treats foreign-source income, from its tax records.
- Stay on this route
Up to 5 years at first, renewable
- Tax residence
- At least 183 days in a year of incomeIndividual with no permanent home in Kenya is resident if present 183 days or more in the year of income.
- More than 122 days in a year of income and each of the two preceding years (average)Alternative test for an individual with no permanent home in Kenya: present in the year and averaging more than 122 days per year over the three years.
- Foreign-source income
Territorial
Kenya charges income tax on all income, of residents and non-residents, that accrued in or was derived from Kenya, at progressive rates from 10% to 35%; income arising wholly outside Kenya is outside that charge, except employment or service pay to a resident, which is deemed Kenyan-source wherever the work is done.
All tax rules for Kenya Tax records checked
Full official text
Residence permit for a person aged at least 35 with an assured annual income of at least USD 24,000 from sources other than employment or business, either remitted from abroad or from a Kenyan pension or annuity. 1 2 3 4 5
What you must show and pay
- Income of at least $24,000 a year · Assured income not derived from Kenyan employment, trade, business or profession: remitted from sources outside Kenya, or a pension or annuity payable from Kenyan sources. 1
- A fee of KES 20,000 (≈ $150) · Non-refundable processing fee. 1
- A fee of KES 250,000 a year (≈ $1,930) · Issuance fee per year of the permit. 5
Requirements
- The applicant is aged not less than 35. 1
- The applicant undertakes not to accept employment, paid or unpaid, or any income-generating activity without a permit of the relevant class. 1
- The issuance fee is KES 250,000 (≈ $1,930) for each year of the permit. 5
- Police clearance certificate is required. 2
- Nigerian nationals only must also provide an NDLEA clearance certificate. 2
- A tax compliance certificate of the organisation is required, and of the individual on renewal. 2
Stay
- Validity is set by the Director of Immigration Services, up to five years per issue or renewal.
- First stay: up to 60 months, decided case by case.
- Renewable, subject to the conditions in force at renewal.
Work
No employment or income-generating activity.
Family
Dependant passes are issued to dependants of permit holders; the holder's work permit must still be valid for at least six more months when the dependant applies.
Official sources
- Permit Class K (ordinary residents) · Directorate of Immigration Services, Government of Kenya · checked 2026-10-10
- Immigration Permit Information Pack (permit classes) · Directorate of Immigration Services, Government of Kenya · checked 2026-10-10
- Work Permits and Passes · Directorate of Immigration Services, Government of Kenya · checked 2026-10-10
- The Kenya Citizenship and Immigration Regulations, 2012 (Legal Notice 64 of 2012), consolidated · Kenya Law (National Council for Law Reporting) · checked 2026-10-11
- Directorate of Immigration Services Delivery Charter 2025 · Directorate of Immigration Services, Government of Kenya · checked 2026-10-12
- Kenya Citizenship and Immigration Act, 2011 · Kenya Law (National Council for Law Reporting) · checked 2026-10-11
- Permanent Residence · Directorate of Immigration Services, Government of Kenya · checked 2026-10-10
Class K · Ordinary resident and its alternatives
| Route | Money needed | Stay | Work |
|---|---|---|---|
| Class K · Ordinary resident | Needs income of $24k+ a year | 5 yr, renewable | No |
| Own-means residence card Morocco | – | 10 yr, renewable | – |
| PR · Financially independent South Africa | Needs assets of ZAR 12M+ ≈ $725k | – | – |
| Retired non-citizen permit Mauritius | Needs income of $2,000+ a month | 10 yr, renewable | No |
| Retiree permanent residence Cabo Verde | – | – | – |
Questions people ask
How much money do I need for the Class K · Ordinary resident?
Income of at least $24,000 a year. Assured income not derived from Kenyan employment, trade, business or profession: remitted from sources outside Kenya, or a pension or annuity payable from Kenyan sources. A fee of KES 20,000 (≈ $150). Non-refundable processing fee. A fee of KES 250,000 a year (≈ $1,930). Issuance fee per year of the permit.
How long can I stay on the Class K · Ordinary resident?
Validity is set by the Director of Immigration Services, up to five years per issue or renewal.
How long does the Class K · Ordinary resident take to process?
Service standard: 21 working days for a new work or residence permit and 10 working days for a renewal.
Can I work on the Class K · Ordinary resident?
No. No employment or income-generating activity.
Can I bring my family on the Class K · Ordinary resident?
Dependant passes are issued to dependants of permit holders; the holder's work permit must still be valid for at least six more months when the dependant applies.
Does the Class K · Ordinary resident lead to permanent residence in Kenya?
Permanent residence is open to people who have held Kenyan work permits for at least seven years and have lived in Kenya continuously for the three years before applying. Time on the Class K · Ordinary resident counts toward citizenship, which the rules allow after 7 years of residence.
How are Class K · Ordinary resident holders taxed in Kenya?
No special regime in our records is tied to the Class K · Ordinary resident. The standard rules apply: Employment income is taxed in five bands from 10 percent to 35 percent; PAYE applies to residents and non-residents, and the personal relief of KES 28,800 (≈ $220) a year is granted to resident individuals only.
More in Kenya
Retirement and live-on-savings visas elsewhere
≈ USD figures are approximate: daily reference rates from ExchangeRate-API, dated 12 Oct 2026, refreshed when the site is updated.
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How this was checked
Checked on 2026-10-12 against 7 official sources. Status: verified against the official sources.
Every figure on this page comes from the official source it links to. The record was researched against these sources, then reviewed separately, with special attention to effective dates and amendments. Where a source does not state something, the page leaves it out.
- Permit Class K (ordinary residents) · Directorate of Immigration Services, Government of Kenya · checked 2026-10-10
- Immigration Permit Information Pack (permit classes) · Directorate of Immigration Services, Government of Kenya · checked 2026-10-10
- Work Permits and Passes · Directorate of Immigration Services, Government of Kenya · checked 2026-10-10
- The Kenya Citizenship and Immigration Regulations, 2012 (Legal Notice 64 of 2012), consolidated · Kenya Law (National Council for Law Reporting) · checked 2026-10-11
- Directorate of Immigration Services Delivery Charter 2025 · Directorate of Immigration Services, Government of Kenya · checked 2026-10-12
- Kenya Citizenship and Immigration Act, 2011 · Kenya Law (National Council for Law Reporting) · checked 2026-10-11
- Permanent Residence · Directorate of Immigration Services, Government of Kenya · checked 2026-10-10
Tracked since 2026-10-10. Rule changes and corrections are listed on the changes page, and the methodology page explains how facts are checked. Found something out of date? Email contact@stayglobe.app with a link to the official source.