# Spanish Non-Lucrative Visa Funds (2026): How Much Money You Need

> Spanish non-lucrative visa funds in 2026: EUR 2,400 a month (EUR 28,800 a year) for the main applicant plus EUR 600 a month per family member. Household table, calculator and evidence.

Updated: October 2026 · By Jules · URL: https://www.how-to-spain.com/visa/non-lucrative-visa-funds

As of October 2026, the Spanish non-lucrative visa needs **400% of IPREM: EUR 2,400 a month or EUR 28,800 a year** for the main applicant, plus **EUR 600 a month (EUR 7,200 a year)** for each family member. A couple with two children therefore shows **EUR 4,200 a month, EUR 50,400 a year**, on the 12-month basis consulates use, and the visa does not allow work.

## What Is the Funds Rule for the Spanish Non-Lucrative Visa?

- **Main applicant:** 400% of IPREM (EUR 600 a month in 2026), so EUR 2,400 a month.
- **Each family member:** 100% of IPREM, so EUR 600 a month.
- **Basis:** 12 months, as on the [Washington consulate checklist](https://www.exteriores.gob.es/Consulados/washington/en/ServiciosConsulares/Paginas/Consular/Visado-de-residencia-no-lucrativa.aspx). Some posts apply the 14-payment convention.
- **Work:** not allowed on this visa.
- **Who decides:** the consulate for the initial visa; the legal decision period is generally 1 month.

The consulate assesses your documents against these amounts. For the general question of what counts as proof and why Spain has no blocked account, see [Spain proof of funds without a blocked account](/visa/proof-of-funds).

## How Much Money Do You Need to Show?

Set your household size. The calculator uses the 2026 IPREM and the non-lucrative multipliers.

Visa routeNon-lucrative residence visaStudent stay visaDigital nomad visa (international teleworker)Post-study job or business searchConsular job-search visaFamily members applying with youMonths to coverCalculate

## How Much Does a Couple or Family Need?

Annual amounts use the 12-month basis. The last column shows the 14-payment convention some posts use, which works out higher; check which basis your assigned consulate applies.

Spanish non-lucrative visa funds by household, 2026. IPREM EUR 600 a month (Ley 31/2022, extended); multipliers from Real Decreto 1155/2024.
| Household | Per month | Per year (12 months) | Per year (14 payments) |
| --- | --- | --- | --- |
| Single applicant1 person | EUR 2,400 | EUR 28,800 | EUR 33,600 |
| Couple (main applicant + 1)2 people | EUR 3,000 | EUR 36,000 | EUR 42,000 |
| Main applicant + 2 family members3 people | EUR 3,600 | EUR 43,200 | EUR 50,400 |
| Couple + two children4 people | EUR 4,200 | EUR 50,400 | EUR 58,800 |
| Main applicant + 4 family members5 people | EUR 4,800 | EUR 57,600 | EUR 67,200 |
Illustration of a passport, an entry stamp, and a document, for Spanish visa and residence permit applications.Passport, stamp, permit: your Spanish immigration path.

## What Evidence Proves the Funds?

Own passive income matches a non-work route most directly. There is no official ranking of evidence types, so follow your assigned consulate's current checklist and pre-clear an unusual format in writing.

Evidence for the Spanish non-lucrative visa under Real Decreto 1155/2024 and consular checklists, October 2026.
| Evidence | What to show | Watch out for |
| --- | --- | --- |
| Passive income | Pension award and payment records, or other passive income that does not depend on working | The non-lucrative visa does not allow work, so income must match a non-work route |
| Own funds | Recent bank statements and, where requested, balance or average-balance certificates | How many months of statement history, and whether a wet stamp or digital verification is needed, is post-specific |
| Sponsor | A sponsor-funded file | Use it only if the assigned consulate confirms it accepts one |
| Property | Ownership on its own is not evidence of means | Show the income or funds behind the household amount instead |
Foreign public documents may need an apostille or legalisation and a sworn translation; validity windows depend on the post.

## Does an S1 Certificate Change the Funds?

No. For pensioners with an S1, the S1 may answer the healthcare requirement, but it does not prove financial means and there is **no IPREM reduction**. Build the normal means file for EUR 2,400 a month and add the S1 healthcare coordination evidence; a private policy is the fallback if the consulate requires one.

## Which File Fits Your Household?

Worked scenarios, October 2026. The winner is the most defensible process, not a paid product.
| # | Situation | Best answer | Runner-up | Why | Ruled out |
| --- | --- | --- | --- | --- | --- |
| A1 | Single US retiree, NLV | Washington-style annual IPREM evidence: EUR 28,800 plus pension/source records | Sponsor-funded file only if post confirms | Own passive income directly matches non-work route | German blocked account: no Spanish recognition |
| A2 | NLV couple | EUR 36,000/year combined route evidence | Separate duplicated files | EUR 28,800 + EUR 7,200 dependant addition is auditable | "One EUR 28,800 threshold for both": misses dependant |
| A3 | NLV couple + two children | EUR 50,400/year evidence | EUR 58,800 buffer only if post uses 14-payment convention | Main + 3 x EUR 7,200 on documented 12-month basis | Property ownership alone: does not prove means |
| A12 | British pensioner with S1 | NLV means file + S1 healthcare coordination evidence | Private policy if consulate requires it | S1 may answer healthcare, not financial means | Assuming S1 lowers IPREM: no such reduction |

## Change log

Updated 25 October 2026

- 2026-10-25 Published: Spanish non-lucrative visa funds for singles, couples and families (2026)
- 2026-10-25 Added a link to health insurance for a Spanish visa

## What Should You Read Next?

[### Health Insurance for a Spanish Visa The policy the non-lucrative file needs.](/insurance/visa-health-insurance)[### Spain Proof of Funds What counts as proof, and why there is no blocked account.](/visa/proof-of-funds)[### Spain Visa Routes All 2026 thresholds and immigration fees.](/visa)[### IPREM: Facts The index behind the non-lucrative amounts.](/facts/iprem)

## Frequently Asked Questions

### How much money do I need for a Spanish non-lucrative visa in 2026?

The Spanish non-lucrative visa needs 400% of IPREM for the main applicant: EUR 2,400 a month or EUR 28,800 a year as of October 2026, plus 100% of IPREM (EUR 600 a month, EUR 7,200 a year) for each family member. Consulates use a 12-month basis; the assigned consulate makes the decision.

### How much does a family of four need for the Spanish non-lucrative visa?

A couple with two children needs EUR 4,200 a month, or EUR 50,400 a year, for the Spanish non-lucrative visa in 2026: the main applicant's EUR 2,400 plus three family members at EUR 600 each. Some posts apply the 14-payment convention, which gives EUR 58,800 a year; check your assigned consulate.

### Can I work in Spain on a non-lucrative visa?

No. The Spanish non-lucrative residence visa does not allow work, as of October 2026. Show passive income such as a pension, or your own funds, against the EUR 2,400 monthly threshold instead of a salary.

### Does an S1 certificate lower the Spanish non-lucrative visa funds?

No. An S1 may answer the healthcare requirement, but it does not prove financial means and there is no IPREM reduction for S1 holders. A British pensioner with an S1 still shows the full EUR 2,400 a month (EUR 28,800 a year) in 2026.

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Source: https://www.how-to-spain.com/visa/non-lucrative-visa-funds
Last updated: Updated: October 2026
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