Spain Non-Lucrative Visa Calculator

Spain non-lucrative residence

Financial requirements calculator

Enter the number of dependent family members applying with the main applicant. The calculator uses the currently published Newcomer Rules.

Dependent family members

Calculate requirement

Use 0 if only the main applicant is applying.

Use the calculator below to estimate the minimum financial resources required for Spain’s Non-Lucrative Visa based on your family size.

For 2026, the general calculation is based on 400% of monthly IPREM for the main applicant plus 100% of monthly IPREM for each qualifying family member. With monthly IPREM at €600, this currently means €2,400 per month for the main applicant plus €600 per month for each dependent.

How Much Money Do You Need for a Spain Non-Lucrative Visa in 2026?

For Spain’s Non-Lucrative residence route, applicants must demonstrate sufficient financial resources to support themselves — and any qualifying family members — without needing to carry out employment or professional activity in Spain.

The general minimum calculation is:

• Main applicant: 400% of monthly IPREM
• Each qualifying family member: additional 100% of monthly IPREM
• Initial residence authorization: 12 months

Using a monthly IPREM of €600, the current calculation is:

Application	Monthly requirement	Initial 12-month requirement
Main applicant only	€2,400	€28,800
Applicant + 1 dependent	€3,000	€36,000
Applicant + 2 dependents	€3,600	€43,200
Applicant + 3 dependents	€4,200	€50,400
Applicant + 4 dependents	€4,800	€57,600

These are the general minimum financial thresholds produced by the statutory IPREM formula.

Meeting the amount alone does not guarantee approval. The authorities can also examine whether the funds are genuinely available to the applicant and whether the rest of the application satisfies the requirements.

For the complete immigration route, documents and application process, read our Spain Non-Lucrative Visa guide.

How Does the NLV Financial Calculator Work?

Enter the number of qualifying dependent family members who will apply with the main applicant.

Enter 0 if you are applying alone.

The calculator then determines:

• the amount required for the main applicant;
• the additional amount for each dependent;
• the combined monthly requirement;
• the amount required for the initial authorization period;
• the IPREM value used;
• the rule versions used for the calculation.

The important difference between this calculator and a basic static online calculator is that Newcomer does not permanently hard-code the legal values into the calculation.

The calculator resolves the currently published Newcomer Rules when the calculation is performed.

If the applicable IPREM figure or immigration rule changes in the future, the underlying rule can be updated without rewriting the entire calculator.

What Is IPREM?

IPREM stands for Indicador Público de Renta de Efectos Múltiples.

It is a Spanish public income reference indicator used for numerous government benefits, administrative procedures and immigration calculations.

Spain’s Non-Lucrative residence financial requirement is expressed as a percentage of IPREM rather than as one permanently fixed euro amount.

For the main applicant, the threshold is:

400% of monthly IPREM

For each qualifying family member, the additional requirement is:

100% of monthly IPREM

This is why applicants should be careful with old articles quoting fixed amounts from earlier years.

If IPREM changes, the financial requirement can change as well.

Spain Non-Lucrative Visa Financial Requirement for One Person

A person applying alone currently uses the following calculation:

€600 × 400% = €2,400 per month

For an initial 12-month residence authorization:

€2,400 × 12 = €28,800

So the general minimum for a single main applicant in 2026 is:

€28,800 for the initial year.

This is the financial threshold only. Applicants must still satisfy the other Non-Lucrative residence requirements.

How Much Does a Couple Need?

If one spouse is the main applicant and the other qualifies as an accompanying dependent:

Main applicant:

€2,400 per month

One dependent:

€600 per month

Combined:

€3,000 per month

For 12 months:

€36,000

If you are applying as a couple, do not assume that marriage alone means every part of the application is automatic. Family documentation, insurance and the individual immigration requirements still need to be properly prepared.

Our full Spain Non-Lucrative Visa guide explains the wider application requirements.

How Much Does a Family With One Child Need?

For a main applicant, spouse and one qualifying child, the calculation is:

Main applicant: €2,400/month
Spouse: €600/month
Child: €600/month

Total:

€3,600 per month

For the initial year:

€43,200

The calculator uses the number of dependents you enter to perform this calculation automatically.

How Much Does a Family of Four Need?

A household consisting of:

• one main applicant;
• one spouse;
• two qualifying children

has three dependents in addition to the main applicant.

The current calculation is:

€2,400 + €600 + €600 + €600 = €4,200 per month

For 12 months:

€50,400

Use the calculator rather than manually multiplying the figures if more family members are included.

Who Counts as a Dependent?

The calculator asks for the number of dependent family members because each qualifying family member increases the financial requirement.

However, the calculator does not decide whether a particular person legally qualifies to accompany the main applicant.

Eligibility depends on the applicable family rules and the evidence supplied with the application.

That distinction is important:

The calculator determines the financial amount. It does not determine family-member eligibility.

For the application form and family-related structure of the residence authorization, see our EX-01 Non-Lucrative Residence guide.

Do You Need €28,800 in a Bank Account?

The rule requires the applicant to demonstrate sufficient economic resources for the relevant residence period.

That does not necessarily mean every successful application must look identical or that there is only one acceptable type of financial evidence.

Spanish rules allow applicants to demonstrate sufficient resources through evidence showing either:

• sufficient available economic resources; or
• an adequate periodic source of income.

The documentation must allow the authorities to verify that the resources are genuinely available.

Depending on the consulate and circumstances, supporting evidence may include bank documentation and evidence relating to regular income or other available assets.

A particular Spanish consulate may also publish detailed documentary requirements for applicants filing in its jurisdiction.

The calculator answers:

“What financial amount does the general IPREM formula produce?”

It does not answer:

“Is my particular financial evidence strong enough for my consulate?”

Can Savings Be Used for the Non-Lucrative Visa?

Savings can form part of evidence of sufficient financial means when the documentation demonstrates that the funds are genuinely available to the applicant.

The practical strength of the application can depend on factors such as:

• the amount available;
• ownership of the account or assets;
• accessibility of the funds;
• consistency of the financial history;
• unexplained recent deposits;
• supporting bank documentation;
• requirements published by the relevant consulate.

Applicants should avoid assuming that simply showing a screenshot of an account balance is sufficient evidence.

Financial documentation should make it easy for the reviewing authority to understand where the money is, who controls it and whether it is available for the applicant’s residence in Spain.

Can Pension Income Be Used?

Retirees frequently consider Non-Lucrative residence because the route is designed for applicants who can support themselves without relying on employment or professional activity in Spain.

Regular pension income can therefore be relevant evidence of financial capacity.

The important issue is whether the documentation demonstrates sufficient, reliable resources for the required period.

A retiree relying on pension income may typically need supporting documentation establishing the source, amount and continuity of that income.

If pension income alone does not reach the required threshold, other available financial resources may also become relevant.

Can Investment Income Be Used?

Investment-related resources can potentially form part of a financial-capacity application, but the documentation and the nature of the applicant’s activities matter.

The Non-Lucrative residence route is specifically designed for residence without carrying out employment or professional activity under that authorization.

Applicants whose circumstances involve active work, professional services or remote employment should not assume that having sufficient money automatically makes the Non-Lucrative route appropriate.

If you plan to continue working remotely from Spain, compare the NLV with the Spain Digital Nomad Visa before deciding which route fits your circumstances.

Is the Financial Requirement the Same at Every Spanish Consulate?

The underlying percentage formula comes from Spanish immigration rules:

400% IPREM + 100% IPREM for each qualifying family member.

However, the supporting documentation requested by individual Spanish consulates can differ in practice.

A particular consular office may provide additional instructions covering issues such as:

• bank statements;
• account ownership;
• statement periods;
• currency conversion;
• pensions;
• financial certificates;
• foreign-document legalization;
• translations.

For this reason, applicants should distinguish between two questions:

What amount must I demonstrate?

and

What documents does my specific consulate expect me to use to prove it?

The calculator solves the first question.

Is the €28,800 Figure Guaranteed to Stay the Same?

No.

The financial requirement is linked to IPREM.

If the official IPREM amount changes, the euro amount produced by the percentage formula can also change.

Newcomer therefore separates the legal values from the calculator itself.

The calculator uses published Newcomer Rules instead of permanently embedding a fixed €28,800 figure in the calculation code.

The result includes a Calculation basis and rule versions section so the calculation can be traced to the rule values used at that time.

This is particularly useful for immigration calculators because financial thresholds and administrative rules can change.

Is €28,800 Enough to Guarantee an NLV Approval?

No.

The financial threshold is only one part of the application.

A successful Non-Lucrative residence application also involves other requirements and supporting documents.

Depending on the applicant, these can include:

• valid passport;
• completed application documentation;
• proof of sufficient financial resources;
• qualifying health insurance;
• criminal-record documentation;
• medical documentation;
• family documents where applicable;
• legalization or apostille requirements;
• official translations where required;
• applicable fees.

The financial calculator therefore should be used as one component of the application-planning process, not as an approval predictor.

Health Insurance Is a Separate Requirement

Having enough money does not replace the health-insurance requirement.

Non-Lucrative residence applicants generally need qualifying public or private healthcare coverage meeting the requirements applicable to residence in Spain.

Ordinary travel insurance should not automatically be assumed to satisfy the immigration requirement.

Before buying a policy, review our health insurance requirements for Spanish visas.

This is particularly important for families because each person included in the application needs the appropriate healthcare position.

What Is EX-01?

EX-01 is the application form associated with Spain’s temporary Non-Lucrative residence authorization.

It is relevant to both initial Non-Lucrative residence and later renewal procedures.

The financial requirement calculated above forms part of the broader evidence used in the Non-Lucrative residence process.

Our EX-01 Spain guide explains:

• what EX-01 is;
• who uses it;
• how the initial application differs from renewal;
• financial requirements;
• family applications;
• supporting documents;
• common application mistakes.

Understanding both the financial calculation and the actual immigration procedure helps avoid treating the calculator as if it were the complete visa application.

Non-Lucrative Visa vs Digital Nomad Visa

The Non-Lucrative residence route is intended for people who want to live in Spain without carrying out employment or professional activity under that authorization.

The Digital Nomad route is designed for qualifying international remote workers and professionals.

The distinction matters.

A person can have more than enough savings for an NLV but still be choosing the wrong immigration route if their genuine intention is to continue working remotely.

If you intend to work from Spain, review the Spain Digital Nomad Visa guide before committing to the Non-Lucrative route.

What Happens After the Non-Lucrative Visa Is Approved?

Approval of the visa is not the final administrative step.

After entering Spain, qualifying non-EU residents normally need to complete the procedures connected with their residence status.

One of the most important is obtaining the Tarjeta de Identidad de Extranjero, or TIE.

Our TIE Card Spain guide explains the residence-card process, including the application form, fingerprints, documentation and applicable deadlines.

New residents may also need to coordinate:

• housing;
• padrón registration;
• banking;
• healthcare;
• digital administration;
• tax planning;
• family administration.

Our first 30 days in Spain guide provides a practical roadmap for organizing those post-arrival procedures.

What If You Are Still Visiting Spain Before Moving?

Before residence begins, you may still be travelling under the ordinary Schengen short-stay rules.

If you need to check previous travel or determine how many short-stay days remain before your move, use the Schengen 90/180 Day Calculator.

The Schengen calculation and the Non-Lucrative residence financial calculation solve completely different problems:

Calculator	What it answers
NLV Financial Requirements Calculator	How much financial capacity does the NLV formula require?
Schengen 90/180 Calculator	How many qualifying short-stay days have you used?

Both can be relevant during different stages of planning a move to Spain.

Common Non-Lucrative Visa Financial Mistakes

Using Outdated IPREM Figures

The NLV requirement is connected to IPREM.

Do not rely on a euro amount copied from an old article without checking the applicable year.

Forgetting Dependents

Each qualifying family member increases the minimum requirement by an additional 100% of monthly IPREM.

Calculating Only the Monthly Amount

The initial residence authorization covers one year, so applicants need to consider the financial requirement across the full applicable period.

Treating the Calculator as an Approval Guarantee

The calculator establishes the general financial threshold. It does not evaluate every other visa requirement.

Showing Funds That Are Difficult to Verify

Financial documents should clearly establish ownership, availability and the relevant amounts.

Ignoring Consulate-Specific Documentation

The percentage formula is national, but consular documentary instructions can contain additional practical requirements.

Confusing Passive Financial Capacity With Permission to Work

Having enough money to satisfy the NLV financial threshold does not mean the authorization is intended for remote work or professional activity.

Forgetting Health Insurance

Financial resources and healthcare coverage are separate requirements.

Frequently Asked Questions

How much money does one person need for Spain’s Non-Lucrative Visa in 2026?

Using monthly IPREM of €600, the general requirement for the main applicant is €2,400 per month.

For an initial 12-month authorization, that equals €28,800.

How much extra is needed for a spouse?

A qualifying spouse included as a dependent currently adds 100% of monthly IPREM.

At €600 IPREM, that is:

€600 per month or €7,200 for 12 months.

The combined general minimum for the main applicant and one dependent is therefore €36,000.

How much is required for each child?

Each qualifying dependent currently adds €600 per month, based on 100% of monthly IPREM.

For 12 months, that is €7,200 per dependent.

The calculator does not determine whether an individual child meets the legal family-member requirements.

How much does a family of three need?

A main applicant with two qualifying dependents currently requires:

€2,400 + €600 + €600 = €3,600 per month

For 12 months:

€43,200

How much does a family of four need?

One main applicant with three qualifying dependents currently requires:

€4,200 per month

For the initial year:

€50,400

Can I use savings instead of monthly salary?

The rules focus on having sufficient financial resources without needing employment or professional activity.

Savings and other qualifying available resources can therefore be relevant depending on the evidence and circumstances.

Your specific consulate may publish detailed documentary requirements.

Do I need passive income every month?

The legal assessment focuses on sufficient economic means and can involve available resources or qualifying periodic income.

The appropriate evidence depends on the individual financial situation.

Can I work remotely with a Non-Lucrative Visa?

The Non-Lucrative residence route is designed for residence without employment or professional activity under that authorization.

Someone planning to work remotely should carefully compare the Digital Nomad Visa and other applicable residence routes.

Is €28,800 a recommended amount or a minimum?

The 400% IPREM formula establishes the general minimum financial threshold.

A consulate can still evaluate the overall financial evidence and the rest of the application.

Will the amount change if IPREM changes?

Yes.

Because the requirement is expressed as a percentage of IPREM, a change in IPREM can change the euro amount required.

Does the calculator automatically update?

The calculator obtains its legal and financial values from published Newcomer Rules rather than relying on values permanently embedded in its calculation code.

The calculation result also identifies the rule versions used.

Does meeting the financial requirement guarantee approval?

No.

Financial capacity is one requirement among several.

Applicants must also satisfy the other legal, insurance and documentary requirements applicable to their case.

How Newcomer.es Can Help

Calculating the financial threshold is only the beginning of a Non-Lucrative residence application.

The complete process can involve:

eligibility → financial evidence → insurance → EX-01 → criminal records → medical documentation → apostilles → translations → consular filing → visa approval → entry into Spain → TIE → post-arrival administration

Newcomer.es provides immigration services in Spain for people who need help understanding their residence options and organizing the immigration and relocation process.

If you are considering the Non-Lucrative route, start with the calculator above and then continue to our complete Spain Non-Lucrative Visa guide and EX-01 application guide.

Calculate Before You Prepare Your Application

The financial requirement is one of the easiest parts of the Non-Lucrative residence process to calculate — but one of the most important to get right.

Before preparing bank certificates, translations or consular documents:

1. Enter the correct number of dependents.
2. Calculate the current monthly requirement.
3. Check the amount for the full initial authorization period.
4. Make sure your evidence clearly demonstrates the required resources.
5. Verify any additional documentary requirements published for your consular jurisdiction.

Then continue with the Spain Non-Lucrative Visa requirements, prepare the correct EX-01 documentation, confirm your visa-compliant health insurance and plan the TIE process after arrival.

The calculator gives you the number. The rest of the application determines whether that financial capacity is documented and presented correctly.