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Portugal residency for financially independent persons (FIP)

Portugal residency for financially independent persons (FIP)

European residency for individuals with a stable passive income

  • Cost: from EUR 6,500 (full service)
  • Processing time: from 6 months
  • Validity period: 2 years, renewable for 3 years
  • Eligibility for permanent residency and citizenship after 10 years

Unlock your options — consult with an expert today

About the program

Portugal residency for financially independent individuals (D7 Visa). The D7 visa allows foreigners with a monthly income of EUR 870 or more to live in an EU country. The program has been regulated under Portuguese immigration law since 2007.

To apply, you must demonstrate a monthly income of at least EUR 870 and have savings of EUR 10,440 in a Portuguese bank account. The D7 visa grants the right to freely travel within the Schengen area and allows residency for the entire family. The residence permit is issued for 2 years with the option to renew for 3 more years.

Advantages of residency in Portugal

Visa-free travel Portuguese residents can travel without visas to 45+ countries, including Schengen and EU states, making travel planning simple and convenient.
Tax optimization Access to the NHR (Non-Habitual Resident) program, offering preferential tax treatment for certain types of income for up to 10 years.
Fast processing The D7 visa can be obtained in 60 days, with the full residency process completed in approximately 6 months.
High-quality healthcare Residents have access to Portugal’s public healthcare system, considered one of the best in Europe.
Access to European banks Ability to open accounts in Portuguese banks for seamless international transactions.
Pathway to EU citizenship After 10 years of residence, Portuguese citizenship is available. The passport provides full EU citizen rights, including the freedom to live and work anywhere in the European Union.

The opportunities that come with Portugal residency

Relocation without investment

Obtain residency without the need to purchase property — simply renting a home is sufficient, making the program accessible to many.

EU education and healthcare

Access to Portugal’s SNS healthcare system and high-quality European education, ensuring a comfortable and secure standard of living for residents and their families.

Freedom of movement

The right to live and work in Portugal, with the ability to travel freely across the Schengen area, opening new opportunities for personal and professional growth in Europe.

Get your residence permit guide

Get your residence permit guide

  • Step-by-step process for applicants
  • Detailed requirements and costs
  • Ready-to-use strategy for obtaining a residence permit
  • Updated 2025 program
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Who is eligible for residency

  • Financially independent persons
  • Families with children
  • Investors and rentiers
  • Freelancers and remote workers
Financially independent persons

Financially independent persons

Ideal for those receiving a passive income of EUR 870 per month from sources outside Portugal. The program is perfect for individuals who wish to live in Portugal without the need to work.

Families with children

Families with children

The residency permit provides access to Portuguese education and healthcare for all family members, ensuring a comfortable and safe environment for raising children.
Investors and rentiers

Investors and rentiers

Suitable for owners of real estate and income-generating assets. The program appeals to those who want to manage their capital while living in Portugal.

Freelancers and remote workers

Freelancers and remote workers

Optimal for individuals working remotely or as freelancers with income from abroad, allowing them to live and work in Portugal without local employment.

Portugal residency for the financially independent with Mirsatori legal support

Portugal residency for the financially independent with Mirsatori legal support

  • Minimum requirements for the applicant
  • Option to renew the residency permit remotely
  • Right for the entire family to reside permanently in Portugal
  • Visa-free travel to Schengen countries

Unlock your options — consult with an expert today

Requirements for applicants

Main applicant

  • Citizenship outside the EU/EEA
  • Monthly passive income of EUR 870 or more
  • Clean criminal record
  • Residence in Portugal (rented or owned property)

Spouse/Partner

  • Official marriage or civil partnership
  • Additional income of EUR 435 per month (50% of the main applicant’s amount)

Children

  • Up to 21 years old
  • Additional income of EUR 261 per child (30% of the main applicant’s amount)

Parents

  • Financially dependent on the main applicant

Step-by-step plan for obtaining residency

Step-by-step plan for obtaining residency

Assessment and preparation

1 week

Mirsatori reviews your documents, evaluates compliance with D7 requirements, and creates a personalized relocation plan to Portugal. This helps identify and address any potential weaknesses in your application before submission.

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Bank account and NIF

2 weeks

Mirsatori arranges your Portuguese tax number (NIF) and opens a bank account remotely through trusted partners. This ensures convenient financial management and compliance with program requirements, minimizing overall processing time.

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D7 visa application

60 days

Mirsatori professionals assist with the D7 visa application at the Portuguese consulate, ensuring approval within 60 days. Expert support reduces the risk of rejection and speeds up processing. All documents are thoroughly checked for compliance before submission.

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Residency permit

From 3 months

Upon arrival in Portugal, you register with SEF (Serviço de Estrangeiros e Fronteiras) and receive a 2-year residence card. Mirsatori provides full support, including biometrics submission and liaising with authorities, ensuring a smooth and comfortable completion of the process.

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Comparative analysis of Portugal residency and other programs

Category
Portugal Portugal
France France
Spain Spain
Greece Greece
Number of countries for visa-free travel
45+
45+
45+
45+
Duration
2 years
1 year
1 year
3 years
Processing time
from 6 months
from 1 month
from 4 months
from 3 months
Option to renew remotely
no
yes
no
partially
Minimum monthly passive income
EUR 870
EUR 1,802
EUR 2,400
EUR 3,500
Family status included
yes
yes
yes
yes

Get a personalized strategy for obtaining Portuguese residency

A Mirsatori specialist will create a personalized residency application plan for you, providing a detailed step-by-step analysis that considers your family composition, verified foreign income, and all related expenses.

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Investment plan

Your path to Portugal citizenship

Your path to Portugal citizenship

Residence permit

Obtain a 2-year residence card under the D7 program with support from Mirsatori. This ensures legal residency in Portugal with access to healthcare and education.

Renewal of residency

After 2 years, your status can be renewed for 3 more years, provided residency requirements are met, allowing you to continue the path toward naturalization in Portugal.

Citizenship

After 10 years of residency, you can apply for a Portuguese passport by passing an A2-level language exam. At this stage, you gain full EU citizenship rights, including freedom of movement worldwide and the right to live in any EU member state.

Alternative residency pathways for the FIP

Country Cost Processing time Benefits
France France
Cost EUR 4,900
Processing time from 1 month
Benefits
  • Fast-track application process
  • No language requirement
  • Pathway to permanent residency
Learn more
Spain Spain
Cost EUR 3,000
Processing time from 4 months
Benefits
  • No language requirement
  • 1-year residency with option to extend
  • Pathway to Spanish citizenship
Learn more
Greece Greece
Cost from EUR 6,000
Processing time from 3 months
Benefits
  • 3-year renewable residence permit
  • Residency for family members
  • Access to banking services and real estate
Learn more
See all programs

FAQ

What is the minimum income required for a Portugal D7 residence permit?

The minimum is EUR 870 per month for the main applicant. For spouses, an additional 50% (EUR 435) is required, and for each child, an additional 30% (EUR 261) per child. Income must be passive and sourced from outside Portugal, such as pensions, dividends, or rental income. All funds must be documented to successfully obtain the D7 visa.

Can you work in Portugal with a D7 residence permit?

Yes, D7 residents are allowed to work or run a business in Portugal. However, the visa is designed for individuals with passive income, so employment is not mandatory. This flexibility allows combining passive income with professional activity and offers additional opportunities for integration into local society.

How long must you reside in Portugal to maintain the D7 permit?

You must stay at least 183 days per year or 16 months over the first 2 years. Absences of more than 6 consecutive months or 8 months total may result in permit cancellation. Authorities monitor compliance through migration data, so careful planning of stays is recommended to avoid issues with renewal.

When can you obtain Portuguese citizenship?

After 10 years of continuous residence, you may apply for citizenship. Requirements include A2-level Portuguese language proficiency, a clean criminal record, and compliance with tax obligations. Passing the language exam demonstrates societal integration. Portugal allows dual citizenship, making this an attractive option for applicants.

What documents are needed to include family members in the application?

  • Apostilled marriage and birth certificates
  • Proof of additional income (50% for spouse, 30% per child)
  • Health insurance for all family members

These documents confirm familial relationships and financial sufficiency. All family members receive resident status simultaneously with the main applicant, ensuring equal rights and access to social services in Portugal.

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Schedule a meeting with our specialists, in-office or online, and receive a tailored case analysis, a clear cost estimate, and the best solution to achieve your goals.

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