How much money is needed for no lucrativa: calculation and proof

How much money does it take to make no lucrativa in 2026?

Article 62 Reglamento de extrandjeria (Real Decreto 1155/2024) sets minimum amounts as a percentage of IPREM, the social payment index. For the applicant himself, this is 400 per cent IPREM per month, for each family member who travels with him, another 100 per cent IPREM. The amounts are tied to the time of application for a visa or extension: take the IPREM value at that date. [1].

Seguridad Socially publishes IPREM 2026: 20 a day, 600 a month, 7,200 a year [2]So, the total amount is a monthly figure multiplied by the permit period you are requesting. [1].

We have drawn up the table ourselves for articles 61, 62 and 64 and IPREM 600. The consulate or ocina de extranjeria can estimate the confirmation differently, so specify the exact amount for your case on the consulate page and on the date of delivery. [1][2]Children and adults with disabilities are included in the family under article 61, parents and healthy adults; no further material No lucrativa with family.

Accumulation or regular income: What to choose to confirm

Article 62 states: "Medias económicos suficientes para el periodo de residencia o una Fuente de percepción periódica de inresis." The union "or" means that any way is appropriate: either the money for the duration of the authorization or the source that regularly brings the amount required. [1].

The regular sources are pension, rent income, dividends, interest, and the boundary with work arises here: if you personally manage a case, receive a salary or a fee, it is no longer a lucrativa, but a different ground. no lucrativa retirement and passive incomeHow to combine two sources, such as a pension for a portion of the amount and savings for the balance, the text of the law does not specify. [1].

If the funds are received in the form of shares in companies, you must confirm that you are not employed in these companies: Article 62 requires a company certificate and a declaración responsable (claim of liability) of absence of employment [1].

Which documents confirm the funds for no lucrativa

The method of the law does not limit: the funds can be confirmed in any manner permitted; Article 62 explicitly refers to the ownership documents, certified cheques and credit cards to which the bank certificate of available credit is attached. [1]The Consulate in Moscow requests the original and a copy of the documents that prove the funds for the first year of the permit or the regular source of income for the applicant and the family [3].

For foreign accounts and financial instruments, article 62 lists the contents of the certificate [1]:

• The full name of the bank or credit institution and its address;
• Full details of the accounts;
• Opening or closing dates, and for credit instruments, the dates of issuance and withdrawal;
• Balance at 31 December of the year prior to submission and average balance for the last year.

If the bank's certificate is not issued in this form, it must be checked before delivery, not requerimiento. Foreign official documents of the consulate are accepted with translation and apostille or legalization, and this also affects the timing of the transaction. [3]III. Cost of transfers: juror transfer in Spain.

How to collect evidence of the steps

1. Lock up the family and the time frame. Who goes, how many years you serve, gives you a month's and a total.
2. Take the IPREM on the delivery day. Check it on Seguridad Social. If the indicator changes by the time it is delivered, the calculation needs to be updated. [2].
3. Compose a summary table. All accounts, currencies, balances at the date of the check, source of each sum. Bank files are not in the right position, explain the list.
4. Order bank statements on the list of article 62. Balance at 31 December and average balance per year [1].
5. Confirm the source. Pension receipts, leases, property sales documents from which money is obtained, which are not required by law, but the clear origin of money removes questions.
6. Translate and legalize. Order translations after the consulate has been identified and its requirements are determined [3].

For citizens of Russia, Belarus and Kazakhstan, the problem is how money is received and whether it can be transferred to Spain: Payments to Spain from CIS countriesThe Spanish account for no lucrativa is not usually mandatory at the visa stage, but will be required after the move: Do you need a residence in Spain account?.

No. lucrativa and DNV: Why amounts cannot be compared to the forehead

At first glance, the no lucrativa threshold is above the DNV threshold: 2,400 me versus 2,849 me a month. But these are different checks. No lucrativa looks at what you're going to live and takes savings. DNV looks at the earnings from the remote work: UGE requires that income be confirmed by the payout or the bill for three months and the bank statement, and the missing part can be closed with savings for the duration of the permit. [4]I'll give you more details: How to count income for DNV.

The basis is the same as the activity, the sum is second. If you work, no lucrativa is not appropriate for you, however much you may count: no lucrativa or Digital Nomad.

Which will be checked when extending no lucrativa

Extension does not repeat primary inspection, but the financial condition is confirmed again: funds for the duration of extension in the same percentage of IPREM (arts. 62 and 64) [1]The extension is granted for two years, i.e. the calculation in the table above takes 24 months to extend, except for funds, which may assess whether tax obligations and payments have been met at the Seguridad Social and residence for more than 183 days per year [1]II. Method of extension: extension no lucrativa.

Typical fund confirmation errors

• Count from SMI or from last year's IPREM. Base no lucrativa only IPREM on the day of delivery [1][2].
• Not counting the time. The amount per month is not equal to the amount per permit: it needs to be multiplied by the period [1].
• Show real estate as money. Article 62 refers to the ownership documents, but whether the value of the dwelling will become "accessible funds" depends on the assessment of the body. [1].
• A joint account without an explanation. If the money is in a common-law account or a relative's account, you need to show that you can handle it.
• The certificate is not correct. No balance at 31 December or average for a year, no bank address: it's a reason for requerimiento. [1].
• To provide proof of salary as a "passive income". The name doesn't change anything, and that's the risk of rejection and subsequent problems when the base changes. [4].

When Individual Review Is Needed

If the money is not yours, it's from third parties, it's in several countries and currencies, partly in cryptate or property, and if it's part of the income from work and it's part of the passive, the decision depends on your case, it's checked by a lawyer and a gestator: the wrong application also affects the next extension.

What can we help you with?

The NEXO team helps to calculate the amount of the family, prepare a summary table and a list of certificates for your consulate, plan translations and apostiles and check the package before delivery. You can write for the consultation here: First 30 minutes freeII. Overall overview of the basis: No lucrativa in SpainB. Step diagram: No lucrativa route sheet, the service format is <x id="3 78" , the price in the article <x idchord="38" , , in the form of the article , , , id=================="3"exam> "exam> "3"exam> {{{{{{{{{\display}}}}}}}}}}}}}}}}}}} {{{{{{{{\display}}}}}}}}}}}}}}}}}} An error in the code or item means that you paid for the wrong procedure no lucrativa.

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The source is viewed on 02.10.2026 · NEXO · Drafting Draft · Sources do not replace individual legal advice.