A simple, reliable way to live in Spain without working there. All you need is income or savings that cover your living costs. Many retirees, and families whose income comes from abroad, choose exactly this route.
The law requires 400% of the IPREM index. In 2026 that is about €2,400 a month or €28,800 a year for the main applicant, plus about €600 a month for each family member.
Bank balances, deposits, pensions, rental income or investment returns all count. Income from work in Spain does not.
Full cover in Spain from an insurer operating there.
A title deed or rental contract. If you have bought a home, the deed becomes part of the file.
Both translated and legalised.
Figures are based on official 2026 indices and change slightly each year. We calculate the exact amount for your case before you apply.
We calculate the exact amount for your family.
Bank records, insurance, address and translations, put in order.
You file the case at the Spanish consulate.
Fingerprinting and your TIE card in Spain.
We prepare the renewal before the permit expires.
Every case has its own list. After our first conversation we give you the exact checklist for yours.
The permit does not authorise work. If your income comes from work, start with the digital nomad visa instead.
The first permit lasts one year and is renewed as long as you meet the conditions. After five years of legal residence you can apply for long-term residence.
Not necessarily; foreign accounts are accepted if the source and history are clear. We tell you exactly how to present it.
Yes. It becomes your Spanish address, and if you let it, the rent counts towards your income.
Tell us about your income, family and plans; we will tell you honestly which route fits.
