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Residence without working · retirement

Spain Non-Lucrative Visa for Americans and Latin Americans

Retire in Spain, take a sabbatical or simply live on your savings, pension or investments. The Non-Lucrative Visa is the classic route for people who don't need to work — just keep in mind it does not allow any work, not even remote.

Last reviewed: October 2026

Is it for you?

Who this visa is for

  • Retirees living on a pension, annuity or investment income.
  • People with enough savings to live in Spain without working.
  • Families who want to spend a long period in Spain — children can study in Spanish schools.
  • Anyone who does not plan to work: if you'll keep working remotely, the Digital Nomad Visa is the right route.
Key requirements

What qualifies you

  • You won't work in Spain — not even remotely.
  • Means of €28,800/year for you, plus €7,200 per family member (income or savings).
  • Private health insurance and a clean criminal record.

The full list of documents depends on your nationality, your consulate and your family — we prepare it for you.

Working with us

Four steps — we do the heavy lifting

Only through the consulate

Some routes can be requested from inside Spain; others only at a consulate. It depends on your nationality and situation — we'll tell you which applies to you in the first consultation.

See also: Document checklist · Income calculator · Non-Lucrative Visa for US citizens · Digital Nomad vs Non-Lucrative

1

Free consultation

Tell us your situation on WhatsApp. We confirm the right route — and the fastest legal one.

2

Your plan

You get a clear plan and a fixed price. No surprises.

3

We do the paperwork

We prepare, review and file your application and follow it until there's a decision.

4

You move

We help you settle in: residence card, registration, bank, housing and schools.

Why Senda Atlantic

We handle the paperwork. You plan the move.

Route check first

Before you spend on documents, we confirm this is the right — and fastest — route for your nationality and situation.

Personal checklist

Every document for you and each family member, with apostille and sworn translation guidance for your country.

Application handled

We prepare, review and file your application, and follow it until there's a decision.

After you land

Empadronamiento, fingerprints and TIE card, bank account, housing and school support.

Frequently asked questions

Non-Lucrative Visa: common questions

How much money do I need for Spain's Non-Lucrative Visa in 2026?

400% of IPREM: €28,800 a year (€2,400/month) for the main applicant, plus 100% of IPREM — €7,200 a year — for each family member. A couple needs €36,000 a year. It can be regular income or savings.

Can I work remotely on a Non-Lucrative Visa?

No. The Non-Lucrative residence doesn't allow any work or professional activity, including remote work for a US employer. If you want to keep working remotely, the Digital Nomad Visa is the right option.

Can I apply for the Non-Lucrative Visa from Spain?

No. It has to be requested at the Spanish consulate that covers your place of residence before you move.

How many days do I have to live in Spain?

To renew it, you need to have lived in Spain more than 183 days per calendar year.

Free first consultation

Plan your retirement or sabbatical in Spain

Tell us your nationality, your situation and who's coming with you. We'll reply on WhatsApp with your best route — free, no commitment.

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