Calculate it
- Per month
- €2,400
- 10 months
- €24,000
- 12 months
- €28,800
An estimate from the figures in this guide. The consulate checks your own case.
Key facts
- Monthly IPREM 2026
- €600 2
- Annual IPREM
- €7,200 (€8,400 when the rule refers to the annual minimum wage with extra payments) 1
- Non-lucrative, main applicant
- 400% of the IPREM a month: €2,400 3
- Non-lucrative, each family member
- 100% of the IPREM a month: €600 3
- Study, student
- 100% of the IPREM a month: €600 3
- Study, family members
- 75% of the IPREM for the first (€450) and 50% for each following one (€300) 3
What the IPREM is and how much it is worth in 2026
The IPREM (Public Indicator of Multiple-Effect Income) is the reference Spain uses to calculate benefits and, in immigration, the financial means of several visas. Its amount is set in the State Budget Law.
The last law that set it is Law 31/2022, the Budget for 2023, in its ninetieth additional provision 1:
| Period | Amount |
|---|---|
| Daily | €20 |
| Monthly | €600 |
| Annual | €7,200 |
| Annual when the rule refers to the annual minimum wage (SMI) with extra payments | €8,400 |
The SEPE publishes in 2026 the same IPREM of €600 a month and €7,200 a year, next to the 2026 SMI, and still cites Law 31/2022 as the basis 2. Some sites still quote old figures; in 2026 the official reference is €600.
Immigration visas ask for monthly amounts of the IPREM, so the calculation is made with €600 per month 3.
Non-lucrative residence: 400% plus 100% per family member
Article 62 of the Immigration Regulation (Royal Decree 1155/2024) asks for non-lucrative residence 3:
Monthly means = €600 × (4 + 1 × number of dependent family members)
The total must cover the whole period of the authorisation, and the first authorisation lasts one year 3. That is why the usual calculation multiplies by 12 months:
| People | % of the IPREM | Per month | First year (12 months) |
|---|---|---|---|
| 1 | 400% | €2,400 | €28,800 |
| 2 | 500% | €3,000 | €36,000 |
| 3 | 600% | €3,600 | €43,200 |
| 4 | 700% | €4,200 | €50,400 |
The Spanish consulate in Mexico City publishes the same basis: €2,400 a month as a minimum and €600 more a month for each dependent family member 4. The renewal, which lasts two years, requires the same percentages for the period you renew 3.
Example with fictional data. Jorge and Lucía, retirees in Guadalajara, want to live in Valencia. They are 2 people: they need €36,000 for the first year, in available savings or in a pension or periodic income.
Study visa: 100% a month
For stays for studies of more than 90 days, article 35 of the regulation asks for resources for maintenance and return, with these reference amounts 3:
- Student: 100% of the IPREM a month (€600), unless you prove that accommodation is paid in advance for the whole stay.
- First dependent family member: 75% of the IPREM a month (€450).
- Each additional family member: 50% of the IPREM a month (€300).
Money for tuition and for the programme does not count towards this minimum 3.
| People | % of the IPREM | Per month | 10 months | 12 months |
|---|---|---|---|---|
| Student only | 100% | €600 | €6,000 | €7,200 |
| Student and one family member | 175% | €1,050 | €10,500 | €12,600 |
| Student and two family members | 225% | €1,350 | €13,500 | €16,200 |
| Student and three family members | 275% | €1,650 | €16,500 | €19,800 |
The Spanish Consulate General in Bogotá asks that, if a relative finances you, they sign before a notary the commitment to cover 100% of the IPREM throughout the period of studies 5. It also accepts scholarships and educational loans such as ICETEX or COLFUTURO 5.
Example with fictional data. Camila travels alone to Madrid for a 10-month master's. She needs €6,000 for her maintenance, apart from tuition.
Family reunification: 150% plus 50%
If you already live in Spain and want to bring your family, article 67 of the regulation asks for periodic income of 150% of the IPREM for a unit of two people (you and one family member) and 50% more for each additional member 3.
| People in the family unit | % of the IPREM | Per month |
|---|---|---|
| 2 | 150% | €900 |
| 3 | 200% | €1,200 |
| 4 | 250% | €1,500 |
Here regular income is measured, at its full value and including the proportional part of extra payments 3.
Questions
Is the 2026 IPREM still €600?
Do I use €7,200 or €8,400 as the annual IPREM?
How much do I need for non-lucrative residence with my partner and a child?
That is 3 people: 600% of the IPREM, that is €3,600 a month and €43,200 for the first year 3.
Before you rely on this
- The IPREM changes if a new Budget Law is approved; check the figure at the SEPE or the BOE on the day you file 2.
- The 10 and 12 month tables are our own calculations: the consulate decides how many months of means it asks for according to the length of your stay or authorisation.
- In family reunification the regulation allows lowering the amount in some cases involving minors; this calculator does not cover those situations 3.
- This calculator does not assess your case. Having the means does not guarantee that the visa will be granted.
This guide is general information, not legal advice. Rules change: confirm with the consulate or a lawyer before you apply.
Sources5 sources, 5 official
- Law 31/2022, State Budget for 2023 (ninetieth additional provision, IPREM)officialOfficial State Gazette (Boletín Oficial del Estado)
- Annual amounts: IPREM and SMIofficialState Public Employment Service (SEPE)
- Royal Decree 1155/2024, Regulation of Organic Law 4/2000 (articles 35, 62 and 67)officialOfficial State Gazette (Boletín Oficial del Estado)
- Non-lucrative residence visaofficialConsulate General of Spain in Mexico
- Study visaofficialConsulate General of Spain in Bogotá
