Portugal visa savings and income calculator (D7, D8, D2)
Find out how much you need in your Portuguese bank account for your household, in 2026 and in 2027. Pick your visa, add your family, and check your own savings and income against the figure.
Minimum wage €920 in 2026 · €970 announced for 2027 · fontes
Your visa and household
Which visa?
Which year?
Pick the year of your visa or AIMA appointment. If it falls around 1 January 2027, plan for 2027.
Adults, including you
Children
Count adult children who depend on you as children: they count at 30%, the same as under-18s.
Check your own numbers
Your money is in
Exchange rate you'll get: 1 = how many euros?
Use the rate your bank or transfer service quotes you, not the one in the news.
Savings you'll move
Your lowest month of income
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How the figure is worked out
1
It starts from the minimum wage
Portugal measures proof of means against its national minimum wage: €920 a month in 2026, with €970 announced for 2027.
2
Your household is weighted
You count at 100%, each further adult at 50%, and each child, or adult child who depends on you, at 30%.
3
Savings cover 12 months
For a residence visa you show enough for at least 12 months. Consulates ask to see it as a balance in a Portuguese account.
So one adult needs 12 × €920 = €11,040 in 2026. A couple adds half again: €16,560. Each child adds 30%: €3,312.
The monthly income works the same way for the D7: €920 por mês for you, plus €460 for each further adult and €276 for each child. The D8 asks for four times the minimum wage: €3,680 a month.
2026 and 2027 figures at a glance
2026 · minimum wage €920
| Your household | Savings for the year | D7 income per month | D8 income per month |
|---|---|---|---|
| One adult | €11,040 | €920 | €3,680 |
| Casal | €16,560 | €1,380 | €5,520* |
| Casal + 1 filho | €19,872 | €1,656 | €6,624* |
| Casal + 2 filhos | €23,184 | €1,932 | €7,728* |
2027 (announced) · minimum wage €970, expected from 1 January 2027
| Your household | Savings for the year | D7 income per month | D8 income per month |
|---|---|---|---|
| One adult | €11,640 | €970 | €3,880 |
| Casal | €17,460 | €1,455 | €5,820* |
| Casal + 1 filho | €20,952 | €1,746 | €6,984* |
| Casal + 2 filhos | €24,444 | €2,037 | €8,148* |
* D8 family rows are what we plan for, a safe target. The rule itself sets four times the minimum wage for you and asks that you can support your family, without a fixed formula.
The €970 for 2027 is in the government’s 2027 budget proposal of 8 October 2026. It isn’t law until the decree is published, usually in late December. We’ll update this page when it is.
Which visas does it cover?
D7 · passive income
Savings and monthly income
12 months of savings plus at least the minimum wage a month, weighted for your household, from pensions, rent, dividends or interest.
D8 · digital nomad
Savings and 4× income
The same savings, plus four times the minimum wage a month, as your average over the last three months.
D2 · entrepreneur
Savings only
The same 12-month savings. There's no fixed monthly income figure: your business plan carries the rest.
Other residence visas, such as work, study and highly qualified work visas, use the same idea of proof of means but have their own income rules. They aren’t in the calculator yet.
Not sure which visa fits your income? Our comparação D7 vs D8 vs D2 lays them side by side.
How long does the money have to stay in the account?
Until your AIMA appointment is done. The full amount has to be in your Portuguese account on the day, and the statement you bring has to show it.
The safest plan is to leave it there from your visa appointment to AIMA. If you move it in between, it must be back in full before the appointment. After AIMA, the money is yours to use.
It’s 12 months of means, even though your first residence card lasts two years, so the figure doesn’t double.
The full answer, including statements and currency, is in our guide: how much money you need in your Portuguese bank account, and until when.
Joint accounts, and where your income lands
A joint account is fine in our experience, as long as the total covers everyone. One account in the main applicant’s name works too.
Your income can keep arriving at home. It’s the savings that consulates ask to see in a Portuguese account. App-based accounts such as Wise or Revolut aren’t treated as that account in our experience.
Need the account, or a check before you apply?
Bank account, €300. We open your Portuguese account remotely with our partner bank, usually in 3 to 4 weeks, before your visa. The deposit is your own money.
Visa Check-Up, €530, or Premium, €1,199. We review your income and savings proof with the rest of your documents. Ver os pacotes.
Not sure your numbers work? Marque uma chamada gratuita de 15 minutos.
O que esta calculadora não cobre
Your consulate’s own checklist. Each consulate can ask for more than the base rules, so check what yours asks for.
A buffer. It shows the minimum. Our advice is to hold more, for example about €17,000 to €20,000 for a couple at 2026 figures.
Other visas. Work, study and highly qualified work visas have their own income rules.
Whether your income counts. For the D7 it has to be regular passive income. A yearly lump-sum dividend, a one-off gift or future income usually doesn’t count.
Sources · rules checked 10 November 2026
- Decreto-Lei n.º 139/2025, 29 December 2025, minimum wage €920 from 1 January 2026
- Portuguese Government, OE 2027, 8 October 2026, minimum wage to rise to €970 in 2027 (announced)
- Portaria n.º 1563/2007, proof of means: household weights, 12 months for residence visas, yearly update
- Decreto Regulamentar n.º 4/2022, D8: average income over the last three months of at least four minimum wages
- Portuguese visa portal, means of subsistence, €920 for 2026 and the 100% / 50% / 30% weights
Outras ferramentas gratuitas
Perguntas frequentes
For one adult, €11,040 in savings, plus at least €920 a month of passive income. A couple needs €16,560 in savings and €1,380 a month. Each child adds €3,312 in savings and €276 a month.
The government announced a minimum wage of €970 for 2027 in its budget proposal of 8 October 2026, expected from 1 January 2027 once the decree is published. That would make it €11,640 in savings for one adult and €17,460 for a couple. We’ll update this calculator when the decree is out.
Per household. You count at 100% of 12 months of the minimum wage, each further adult at 50% and each child at 30%. The calculator adds it up for you.
Yes, at 30%, the same as children under 18, as long as they depend on you. Add them under “Children”.
No. The D7 asks for both: savings in a Portuguese account and regular passive income, such as a pension, rent or dividends paid during the year. A savings balance doesn’t count as income. Only the interest it pays can.
At least four times the minimum wage: €3,680 a month in 2026, or €3,880 if the announced 2027 figure goes through. The rule looks at your average over the last three months. There’s no fixed extra amount for family, so the calculator shows what we plan for as a safe target.
No fixed monthly figure. Like every residence visa, it asks you to show 12 months of means, which is why consulates ask for the same savings as the D7. Your business plan carries the rest of the file.
Keep it there until your AIMA appointment is done. The full amount has to be in the account on the day, and the statement you bring has to show it. After AIMA the money is yours to use.
No. It covers 12 months. One adult needs €11,040 in 2026, not €22,080.
Yes, in our experience a joint account is fine, as long as the total covers everyone in your household.
The figures are in euros. Enter the exchange rate you’ll actually get and the calculator converts your numbers. Leave a margin, because a weaker rate can push you under.
No. It’s an estimate from the official rules on proof of means. Each consulate can ask for more, so check its own checklist, or book a free call and we’ll look at your household with you.