A slower morning. A new chapter.
Explore retirement in Spain with the important questions in the right order: your intended activities, household resources, healthcare and the consular application plan.
Retire in Spain: Non-Lucrative Visa Planning & Costs
The Non-Lucrative route is for living in Spain without work or professional activity. It can be relevant to retirement, but your nationality, resources, healthcare and individual circumstances still need assessment.
Make the nonworking plan clear
List pensions, savings and other resources separately from any continuing work. Managing a business or consulting online can raise different questions from receiving a pension. Explain the duties you will actually perform before choosing a route.
Understand the household resources
The published initial reference is 400% of IPREM for the main applicant plus 100% for each family member. At €600 monthly IPREM and a 12-month period, this gives €28,800 plus €7,200 per family member. The source, ownership and availability of funds still need evidence.
Check healthcare before buying cover
Confirm which coverage evidence your consular office requires. Some UK pension recipients qualify for an S1, subject to entitlement and registration; it is not automatic for every retiree. Where private cover is needed, check the policy terms against the current requirements.
Prepare through your competent consulate
The ordinary initial Non-Lucrative visa process is consular. Identify the district responsible for your legal residence and use its current instructions. Put certificates, formalities, translations and personal attendance on the plan before making date-dependent commitments.
Make the first conversation useful
- Write down who is moving and whether anyone will continue working.
- List savings, pensions and available supporting records.
- Confirm the competent consulate and healthcare evidence to assess.
- Use the free fit call to agree the questions that need professional review.
Keep planning your move
NLV savings and pension evidence
Organise savings, pension and passive-income evidence for Spain’s Non-Lucrative visa. Understand household calculations, account ownership and consular checks.
Remote work and the Non-Lucrative visa
Spain’s Non-Lucrative route is for living without work or professional activity. Learn what to disclose if you have an online job, clients or an active business.
Non-Lucrative visa
Understand Spain's Non-Lucrative visa: nonworking residence, financial evidence, consular documents, family applications and service costs.
Pricing
€1,190 main applicant, €250 per standard family member including VAT. Free fit call, two equal payments and a household calculator. External costs separate.
Know your cost before you commit
€1,190 for the main applicant and €250 per standard additional family member, including VAT. Two equal payments. Government fees and translations are separate.
Official sources and useful checks
Updated . General planning information; your legal provider confirms the individual application plan.
- BOE: Non-Lucrative residence rules, articles 61–64
- Spanish Consulate in London: Non-Lucrative residence visa
- GOV.UK: healthcare in Spain and S1 eligibility
- Spanish Consulate in Washington: Non-Lucrative visa
Consular arrangements and evidence requirements can change. Check the relevant authority’s current instructions before ordering time-sensitive documents.