Does clearing the income bar mean I can afford to live there?

Not necessarily. The income bar is an immigration threshold, not a cost-of-living figure. In expensive capitals the official minimum can be below a realistic budget; in lower-cost destinations you may live well on less. That's why the calculator separates the visa check from your spending plan — both have to work.

What spending should I enter?

Your honest expected monthly spend in the destination: rent and utilities, food, local transport, the health-insurance premium the program requires, coworking/leisure, and a buffer for everything else. If you're not sure, start with what you spend now and adjust for the destination's price level.

Are the visa figures up to date?

Income bars, fees and savings requirements come from our database of official program sources, re-verified on a rolling basis (each country page shows its last-verified date). Currency conversions use approximate rates shown on the tool and are for planning only.

Interactive tool

Can you actually afford the move?

Qualifying for a visa and affording the life are two different tests. This calculator runs both: your income against the official bar, and your planned spending against your income — for any of the 44 programs.

Destination country

Your monthly income (gross)

Converted at approximate rates: $1 ≈ €0.92, £1 ≈ €1.17. For estimates only.

Your planned monthly spending (USD)

Rent & utilities

Your expected housing cost

Food & groceries

Eating in and out

Transport

Transit, taxis, occasional car hire

Health insurance

Most programs require a policy

Leisure & coworking

Coworking desk, gym, going out

Everything else

Subscriptions, shopping, buffer

Visa income check — Spain

You clear the bar by €1,291/month

Spain requires €2,849/month (200% of Spain's minimum wage (SMI), per month). Your income converts to about €4,140/month.

Your monthly picture

Income: €4,140
Planned spending: −€2,171
Left over each month: €1,969
Over a year: €23,628

One-time costs to plan for

Application fee: From ~€80 visa fee, plus €90–€200 for the residence card.

Full Spain visa guide →

Planning tool, not financial advice. Visa figures are the official requirements from our verified database (last verified 2026-10-08); your spending inputs are your own estimates — costs vary widely by city and lifestyle.

How to read the result

A green visa check means your income meets the program's official minimum — approval still depends on documents, insurance and the consulate's assessment. The monthly picture is the part people skip: if your planned spending leaves nothing over, one surprise bill can sink the plan. Most successful applicants keep at least a few hundred euros of monthly headroom and a separate emergency fund on top of any official savings requirement.

Frequently asked questions

It compares three numbers: your monthly income (converted to euros), the destination's official minimum income requirement from our verified 44-program database, and your own planned monthly spending across rent, food, transport, insurance, leisure and other costs. You get a visa verdict, a monthly surplus or shortfall, and the one-time costs (application fee, any official savings requirement).

More free tools

Eligibility quiz Answer a few questions, get matched to programs you qualify for.Income checker See which of the 44 programs your monthly income clears.Apply-by planner Pick a move date — get the latest safe application date per country.Savings runway calculator How long your savings last abroad, checked against official savings routes.Tax comparison Compare nomad tax regimes side by side.Tax residency day counter Track days per country against the 183-day tax-residency line.