Non-lucrative residence: money and financial means required in 2025

Non-lucrative residence is the route designed for those who want to live in Spain without carrying out any work or professional activity. Its flagship requirement is financial means: that is why the most searched question is what money is required for non-lucrative residence in 2025. In this guide we explain the updated figures based on the IPREM, how much each family member adds and how to prove it, all under the new Immigration Regulation (Royal Decree 1155/2024, in force since 20 May 2025). If you still don't know whether this is your route, you can first get your bearings with Arraigate's route finder.

What is non-lucrative residence?

It is a temporary residence authorisation that allows you to settle in Spain without working as an employee or self-employed person. It is aimed at people who can support themselves with their own resources: savings, pensions, rental income, leases or dividends. Since it does not authorise work, the Administration needs assurance that you will not depend on public funds, and that assurance is precisely the money you must prove.

You can find the full details of this authorisation on Arraigate's non-lucrative residence page, which summarises requirements, timelines and renewal.

Non-lucrative residence: money required in 2025

The money required for non-lucrative residence in 2025 is calculated on the IPREM (Public Multiple-Effect Income Indicator), not on a fixed amount. RD 1155/2024 keeps the criterion of sufficient financial means, which translates into these percentages:

• Main applicant: 400% of the monthly IPREM.
• Each dependent family member who moves or is reunited: an additional 100% of the monthly IPREM per person.

With the 2025 monthly IPREM set at EUR 600 (EUR 7,200 per year over 12 payments), the orientative figures are as follows:

• 1 person: 400% of the IPREM = EUR 2,400/month, equivalent to about EUR 28,800 per year.
• For each additional family member: +100% of the IPREM = EUR 600/month, about EUR 7,200 more per year for each one.

Example: a married couple moving together would need to prove EUR 2,400 + EUR 600, that is, about EUR 3,000/month (approx. EUR 36,000 per year). These amounts are revised when the IPREM changes in the Budget Act, so it is worth confirming the current value on the day of your application.

How the amount is calculated according to your family unit

The key is to add 400% of the holder's IPREM plus 100% for each dependent who relies on you financially (spouse, registered partner, minor children or dependent adult children, dependent ascendants). No specific net worth is required, but rather the availability of sufficient funds for the entire requested residence period, usually one year.

You may prove the amount as available capital (savings for the full year) or as guaranteed periodic income (pension, rental income, returns). The more stable and documented the source, the stronger the file.

How to prove financial means

The Administration assesses the origin, ownership and availability of the money. The most common documents are:

• Bank statements from the last 6-12 months and an updated balance certificate.
• Certificates of pensions, rental income or dividends, with their frequency.
• Rental contracts or deeds that generate recurring income.
• Tax returns supporting the lawful origin of the funds.
• Private health insurance with full coverage in Spain, with no co-payments or waiting periods (a compulsory complementary requirement).

Foreign documents must be submitted legalised or apostilled and with a sworn translation where applicable.

Other requirements of non-lucrative residence

Money is not the only thing assessed. You will also need to meet:

• No criminal record in Spain or in the countries where you have resided in the last five years.
• Not being listed as inadmissible in the Schengen area.
• Health insurance with coverage equivalent to the public health system.
• Not being irregularly in Spanish territory when filing the initial application (it is requested from the consulate of your country of origin).

If your life plan involves bringing your family together or consolidating your situation over time, you may want to compare this route with family reunification under the general regime and to consider the horizon of long-term residence after several years of continuous legal residence.

Frequently asked questions

How much money is required for non-lucrative residence in 2025?

As an orientative figure, about EUR 2,400/month (400% of the IPREM) for the main applicant, plus EUR 600/month for each dependent family member. Annually, around EUR 28,800 for one person.

Are savings enough, or does it have to be regular income?

Both options are accepted. You can prove sufficient capital for the whole year or guaranteed periodic income (pensions, rental income, dividends), always with a lawful origin and clear ownership.

Can the money be in a foreign bank?

Yes, but you must demonstrate that it is effectively available in Spain and provide bank documentation that is translated and, where appropriate, apostilled.

Can I work with non-lucrative residence?

No. This authorisation does not allow you to work. If you want to carry out a work activity, you will have to change your situation to an authorisation that does allow it.

How often do the required amounts change?

The figures depend on the IPREM, which is updated in the General State Budget Act. Always check the current value on the day of your application.

Disclaimer: this guide is purely orientative and does not replace individualised legal advice. The application of RD 1155/2024 and the exact amount of the IPREM may vary depending on your case and the date of application. Always verify the information with official sources or consult an immigration professional before starting your file.