The 2026 financial means for the NLV, for you and your family, in €, £ or $.
Example rate only. Use the rate on the day you apply, and leave a margin because rates move.
Pensions, rent, dividends and interest count as passive income. Salary from a job, including remote work, does not.
| Household | A month | A year |
|---|
Not immigration advice. This tool only applies the published rule of 400% of IPREM for the applicant and 100% for each family member, as stated on Spanish consulate pages for 2026 (€28,800 and €7,200 a year). Consulates decide what evidence they accept, so check with your Spanish consulate or a regulated adviser. Figures checked October 2026.
This calculator shows UK, US and other non EU applicants the non lucrative visa Spain income requirement for 2026 for their whole household, in euros, pounds or dollars, and compares it with their own pensions, passive income and savings. It applies the rule published by Spanish consulates: 400% of IPREM for the main applicant and 100% for each family member. Figures checked October 2026.
Quick answer: The non lucrative visa Spain income requirement for 2026 is €2,400 a month, or €28,800 a year, for the main applicant, plus €600 a month, or €7,200 a year, for each family member. A couple needs €36,000 a year, about £30,960 at €1 = £0.86, from savings or passive income.
In This Guide
What Is the Non Lucrative Visa Spain Income Requirement?
The income requirement is the minimum amount of money you must prove you have, without working in Spain, to get a non lucrative residence visa (visado de residencia no lucrativa). It is set as a multiple of IPREM, the Indicador Público de Renta de Efectos Múltiples, an index Spain uses for benefits and thresholds. IPREM has been €600 a month, €7,200 a year on a 12 payment basis, since the 2023 State Budget, and it stays at that level while that budget is rolled over.
In plain words: money needed each year = IPREM × 12 × 4 for you, plus IPREM × 12 for each family member you bring. For 2026 that is €600 × 12 × 4 = €28,800, plus €7,200 per spouse, partner or child. Spanish consulates such as the one in Washington publish these exact euro figures for 2026, while the London consulate states the 400% and 100% rule.
How Much Money Do I Need for the Non Lucrative Visa in 2026?
You need €28,800 a year on your own, €36,000 as a couple and €43,200 as a couple with one child. Take Gill and Martin, retired teachers from Leeds planning to move to Alicante. Gill applies as the main applicant and Martin as her family member, so they need €36,000 for the first year. At €1 = £0.86 that is £30,960. Their two pensions pay £26,000 a year, which is £4,960 short on its own. With £20,000 of savings they can show £46,000, a margin of £15,040.
| Household | IPREM multiple | A month | A year |
|---|---|---|---|
| Applicant alone | 400% | €2,400 | €28,800 |
| Applicant + 1 | 500% | €3,000 | €36,000 |
| Applicant + 2 | 600% | €3,600 | €43,200 |
| Applicant + 3 | 700% | €4,200 | €50,400 |
| Applicant + 4 | 800% | €4,800 | €57,600 |
Treat the non lucrative visa Spain income requirement as a floor and leave a cushion above it. A weaker pound or dollar on the day your bank statement is checked can push you under, and consulates look at whether the money is sufficient and guaranteed, not just whether it touches the line.
How to Use the Spain Non Lucrative Visa Income Calculator
Step 1: Enter Your Household and Period
Enter how many family members will come with you, such as a spouse, registered partner or children, and the number of years the money must cover. Use 1 for a first visa, since the initial residence authorisation lasts one year. IPREM is set to the 2026 figure of €600 and can be changed if Spain updates it.
Step 2: Choose Your Currency
Pick pounds, dollars or euros. For pounds and dollars, type the exchange rate you can get on the day, because the example rates are only placeholders and the target is fixed in euros.
Step 3: Enter Your Income and Savings
Enter your yearly passive income, such as state and private pensions, rent, dividends and interest, and the savings you can show on bank statements. Do not include salary from a job, because the visa does not allow you to work, and that includes remote work for a foreign employer.
Step 4: Read Your Target and Margin
The results show the total for the period, the monthly figure, the split between you and your family, and your margin or shortfall. Before you book a consulate appointment, the passport validity checker for Europe confirms your passport will last long enough for travel to Spain while your application is processed.
Can Savings Count for the Non Lucrative Visa?
Yes. Consulates accept either savings or a regular income that does not come from work in Spain, so a lump sum of €28,800 in the bank can meet the single applicant figure on its own. How a mix of savings and income is judged varies between consulates, which is why the calculator shows income alone and income plus savings separately. Evidence usually means recent bank statements, pension letters or certificates of account balances, translated into Spanish where asked.
What Else Do UK Applicants Need?
- Private or public health insurance from an insurer authorised in Spain, with no copayments and no coverage limits, valid for the whole stay.
- A criminal record certificate and a medical certificate, as listed by your consulate.
- An application made at the Spanish consulate that covers where you live in the UK, before you move.
- A TIE (foreigner identity card) applied for within one month of arriving in Spain.
Once the visa is granted, British nationals should also read the GOV.UK living in Spain guidance, which explains residency, healthcare and tax after the move and sits well alongside the consulate checklist.
Spain's wider entry and residence rules are summarised in this overview of the visa policy of Spain, including how Schengen short stays differ from residence visas. If you already own a home in Spain or plan to sell one later, the Spain plusvalía calculator estimates the town hall tax due on a sale, so you can budget for it.
Spain Non Lucrative Visa Income Terms Explained
These terms explain the index, evidence and residency rules behind the Spain non lucrative visa income calculator so you can prepare a stronger application.
- IPREM
- The Indicador Público de Renta de Efectos Múltiples, a Spanish public reference index used to set benefit levels and financial thresholds. The visa's required means are fixed as multiples of it, and it currently stands at €600 a month.
- Non lucrative visa
- A Spanish residence visa for non EU nationals who wish to live in Spain without working there, supported by their own resources. Applicants must prove sufficient financial means, and earnings from employment of any kind cannot be used to meet them.
- Passive income
- Money received without active work, such as pensions, rental income, dividends and interest. Together with savings, it is the type of income consulates accept as evidence that an applicant can support the household in Spain.
- Financial means requirement
- The minimum funds an applicant must prove for the visa period, set at four times IPREM for the main applicant plus one times IPREM for each family member. For 2026 that comes to €28,800 a year for a single applicant.
- Spanish consulate
- A Spanish diplomatic office abroad that receives and decides visa applications from people living in its area. Each one publishes its own document list and evidence standards, so requirements can differ slightly between London and Washington.
- Exchange rate
- The price of one currency expressed in another, such as how many pounds equal one euro. Because the visa threshold is fixed in euros, a weaker pound or dollar raises the amount applicants must hold in their home currency.
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How we checked this tool: the Tools Veria Editorial Team built this tool by hand, checked it against the official rules or published standards where they apply, and tested it against worked examples. Results are estimates for planning, not personal financial or tax advice. Read our editorial policy and disclaimer, or report an error.
Frequently Asked Questions
What is the income requirement for the Spain non lucrative visa in 2026?
The 2026 requirement is 400% of IPREM for the main applicant, which is €2,400 a month or €28,800 a year, plus 100% of IPREM, €600 a month or €7,200 a year, for each family member.
How much does a couple need for the non lucrative visa?
A couple needs 500% of IPREM, which is €36,000 a year or €3,000 a month in 2026. At an exchange rate of €1 = £0.86 that is about £30,960 a year.
What is IPREM in 2026?
IPREM in 2026 is €600 a month, €7,200 a year on a 12 payment basis, the level set in the 2023 State Budget and kept while that budget is extended. It is used to set the non lucrative visa threshold.
Can I work remotely on a non lucrative visa?
No. The non lucrative visa is for people who live in Spain without working, and income from a job, including remote work for a foreign employer, does not count towards the requirement. Spain's digital nomad visa is the route for remote workers.
Do I need more money to renew the non lucrative visa?
A renewal covers a longer period, so you need enough means for that whole period. Set the period field to the number of years your renewal will cover and check the exact rule with your local extranjería office.
Is this calculator immigration advice?
No. It only multiplies the published IPREM rule for your household and compares it with the figures you enter. Your consulate decides what evidence it accepts, so check with the Spanish consulate or a regulated immigration adviser.