How much money do I need for Spain's non-lucrative residence permit?

Checked on 2026-10-25

Spain's immigration regulation requires 400% of the IPREM a month for the applicant and an extra 100% of the IPREM a month for each dependent family member, held for the whole period of the permit or as regular income. The first permit lasts one year. You also need health insurance; the permit is for living in Spain without working.

Key facts

What	The law says	Source
Money for the applicant	400% of the IPREM per month, in euros or the legal equivalent in foreign currency	RD 1155/2024, art. 62.1.a
Money for each dependent family member	An extra 100% of the IPREM per month	RD 1155/2024, art. 62.1.b
For how long	The monthly amount times the validity of the permit requested; or a regular periodic income	RD 1155/2024, art. 62.1–2
When the amount is measured	At the time of the visa application or the renewal	RD 1155/2024, art. 62.1
How to prove it	Any legally admitted evidence, including property titles, certified cheques, or credit cards with a bank certificate of the available credit	RD 1155/2024, art. 62.3
Other requirements	Health insurance; no threat to public order, security or health; not within a no-return commitment; fee paid	RD 1155/2024, art. 61.2
First permit length	One year	RD 1155/2024, art. 61.4
Decision	Within one month of the consulate’s communication; no answer means the application is refused	RD 1155/2024, art. 63.4

What the regulation counts

The non-lucrative permit is for people who live in Spain without work or professional activity (art. 61.1). The regulation sets the money as a percentage of the IPREM (Spain’s public income indicator), not as a fixed euro sum. It says the amounts are minimums.

You: 400% of the IPREM for each month.
Each family member you support: 100% of the IPREM for each month, on top of your 400%.

The total must cover the whole period of the permit you ask for (art. 62.2). Since the first permit lasts one year (art. 61.4), that means twelve months of the monthly amount. The regulation also accepts proof of a regular periodic income instead (art. 62.1).

Foreign bank accounts and company shares

If you show accounts or financial instruments abroad, the regulation says the evidence must include the bank’s full name and address, the full account identification, the opening or closing dates, and the balances at 31 December of the previous year plus the average balance over the last year (art. 62.3).

If your money comes from shares in companies based in Spain, you must prove with a certificate that you do not work in those companies and sign a statement saying so (art. 62.3).

Who counts as family

The spouse, registered partner or stable partner (at least one year of living together, unless you have children together); unmarried minor children; and adult children with a disability who need support or cannot provide for themselves because of their health (art. 61.3).

How you apply

You apply for the residence visa at the Spanish consulate; that application also counts as the application for the permit (art. 63.1). The immigration office checks criminal records and the police report, and must decide within one month of receiving the consulate’s communication. If it doesn’t answer in that time, the law treats the application as refused (art. 63.4). Within one month of entering Spain you must apply in person for the TIE card (art. 63.5).

Renewal: you must again show the same means, for the renewal period, and have lived in Spain for more than 183 days during the calendar year (RD 1155/2024, art. 64.2).
A renewed non-lucrative permit lasts two years (art. 64.7).

Sources

Real Decreto 1155/2024, de 19 de noviembre, Reglamento de la Ley Orgánica 4/2000, arts. 61–64 (consolidated text, BOE) checked 2026-10-25

Change history

2026-10-25: Page created

This is general information, not legal advice, and Lumen is not a law firm. Rules change and offices differ: check the official sources above before you act. Found something wrong or out of date? Write to support@lumen.observer.