Maintaining Health: The Main Preparation for Retirement for the Indonesian Middle Class

Katadata Insight Center (KIC) released the Katadata Indonesia Middle Class Insight (KIMCI) report at the IDE Katadata Future Forum 2026 event at the Ballroom Djakarta Theater, Jakarta, on Wednesday (15/4/2026).

The KIMCI report contains research findings on the condition, behavior, and perceptions of the middle class, which can serve as a basis for formulating strategies and policies to strengthen resilience, promote growth, and support economic and social development in Indonesia.

KIC found that currently, 52% of the middle class in Indonesia have prepared for retirement.

Of this group, the majority, or 64.2%, are preparing for retirement by maintaining good health through a healthy lifestyle, followed by 56.7% who are saving for emergency purposes.

"This shows that retirement preparation for the middle class is still in its early stages, where awareness has been established, but the capacity to prepare ideally remains a challenge," KIC said in its report.

Here are the details of retirement preparations made by the middle class in Indonesia, according to KIC's survey:

1. Healthy lifestyle: 64.2% of respondents
2. Emergency savings: 56.7%
3. Starting their own business/becoming entrepreneurs: 51.3%
4. Life and health insurance: 44.5%
5. Mental and emotional preparation: 43.7%
6. Reducing debt and paying installments: 40.8%
7. Maintaining social relationships: 38.5%
8. Budgeting and managing expenses: 37.1%
9. Planning activities during retirement: 32.1%
10. Strategic housing planning: 30.8%
11. Long-term care planning: 24.6%
12. Personal mobility: 19%
13. Others: 1%

KIC conducted this survey in the fourth quarter of 2025 to the first quarter of 2026 on 1,000 middle-class respondents, which was then narrowed down to 517 respondents who have prepared for retirement.

The respondents are aged between 18-60 years with an expenditure range of Rp2 million to Rp10 million per capita per month, referring to the definition of the middle class from the Central Statistics Agency (BPS).

The full report of the Katadata Indonesia Middle Class Insight (KIMCI) from KIC can be downloaded at this link.