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The minimum is set by article 62 of the Immigration Regulation (Real Decreto 1155/2024): 400% of IPREM a month for the applicant and another 100% of IPREM for each family member coming with them. The monthly amount is multiplied by the term of the permit you ask for. IPREM is taken on the day you apply for the visa or the renewal[1].
IPREM for 2026: €600 a month, €7,200 a year. The figure was set by the 2023 budget law[2]. No new budget has been passed since, the extended one applies, and Seguridad Social gives the same €600 for 2026[3]. So the applicant needs €2,400 a month and each family member €600.
| Who is coming | A month | First year, 12 months | Renewal, 24 months |
|---|---|---|---|
| Applicant alone | €2,400 | €28,800 | €57,600 |
| Applicant and 1 family member | €3,000 | €36,000 | €72,000 |
| Applicant and 2 family members | €3,600 | €43,200 | €86,400 |
| Applicant and 3 family members | €4,200 | €50,400 | €100,800 |
Term. The first permit is granted for one year and a renewed permit for two years, unless you qualify for long-term residence[1]. That is why a renewal is calculated over 24 months. You apply for the renewal in the last two months before the permit expires[1].
Who counts as a family member: a spouse or registered partner, a stable partner, minor children and adult children with a disability who need support (article 61.3)[1]. Parents are not on the list. More: no lucrativa with your family.
Income or savings. Article 62 allows two routes: funds for the whole term of the permit, or a regular source of income[1]. The calculator checks each route separately: savings against the amount for the term, income against the monthly amount. If neither is enough alone but both together are, it warns you: the Regulation does not say how the two can be combined.
- It does not reflect the requirements of a particular consulate: check its page for the document list and the format of bank letters.
- It does not convert currencies: if your money is in another currency, convert at the rate on the day you apply.
- It does not check where the money comes from or whether you can access it. How to prove this: how much money you need for no lucrativa.
- It does not include insurance, fees, translations or housing.
Requirements and documents step by step: no lucrativa in Spain. If you want the calculation and the document pack checked for your consulate, see our non-lucrative residence service.
Frequently asked questions
How much money does one person need for no lucrativa in 2026?
How much is added for a spouse and children?
How much do I need for a no lucrativa renewal?
Can I show a pension instead of savings?
Why is the amount based on IPREM and not on the minimum wage?
Will the amount change if IPREM goes up?
Official sources
- BOE · Real Decreto 1155/2024, Immigration Regulation, articles 61, 62 and 64 ↗
- BOE · Ley 31/2022, 2023 State Budget, additional provision 90: IPREM ↗
- Seguridad Social · IPREM 2026: €20 a day, €600 a month, €7,200 a year ↗
A guide based on the 2026 rules, not legal or tax advice.
Turn the information into questions.
The navigator helps you gather topics for an individual review. It does not determine your right to a residence permit and does not submit an application.
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Prefer to do it yourself? Step-by-step guides: residence permit in Barcelona: from empadronamiento to TIE and route cards by residence ground.
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ReloVictory · Sources reviewed 20.10.2026 · Not a substitute for individual legal advice.