The passive-income and retirement route to living in Portugal — for people with steady income from pensions, rentals, dividends or investments. Clear figures, honest timelines, no guesswork.
Last updated: June 2026 — reviewed against Portuguese authorities and Lei Orgánica 1/2026.
Free Portugal D7 Eligibility Assessment — passive-income check, savings guidance, family uplift and the realistic route to a residence card.
Get Assessment| Portugal D7 Residence Visa (passive income / retirement) | |
|---|---|
| Governing authority | Portuguese consular authorities and AIMA (Agency for Integration, Migration and Asylum) |
| Status | Open and accepting applications (as of June 2026) |
| Minimum passive income | At least the Portuguese minimum wage (~EUR 900–920/month in 2026), with margin expected |
| Family uplift | ~+50% for a spouse · ~+30% per dependent child |
| Savings guideline | ~EUR 11,040 single · ~EUR 16,560 couple · +~EUR 3,312 per child (consular expectation, not always a hard floor) |
| Permit term | 2 years initial · 3-year renewal · PR after 5 years |
| As of | June 2026 |
We assist applicants based in Dubai, Abu Dhabi, Riyadh, Doha, Kuwait City, Muscat, Manama, as well as across India and Sri Lanka. Our role is to turn Portugal's residence rules into a clear, executable plan and to coordinate the moving parts.
The D7 rewards preparation: clean proof of passive income, properly seasoned savings, and the right sequence of steps.
The Portugal D7 requires stable passive income at least equal to Portugal's national minimum wage, which is roughly EUR 900–920 per month in 2026 (about EUR 11,040 a year). Because the figure is indexed to the minimum wage, it rises each year; consular officers also expect a comfortable margin above the floor, not the bare minimum.
Family changes the maths: budget around +50% for a spouse (roughly +EUR 460/month) and +30% for each dependent child (roughly +EUR 276/month). Eligible income is genuinely passive — pensions, rental or real-estate income, dividends, intellectual property, transferable equity, and financial investments — with no day-to-day work required. That passive test is what separates the D7 from the D8 digital nomad route. Find out where you stand — free assessment.
Applicants are generally expected to hold around twelve times the minimum wage in a Portuguese bank account — roughly EUR 11,040 for a single applicant, about EUR 16,560 for a couple, and an extra EUR 3,312 or so per child in 2026. This is a practical consular expectation rather than a fixed legal floor, so treat it as a guideline to clear comfortably.
The savings sit alongside the income test, not instead of it — you show both stable monthly passive income and a seasoned balance. Getting funds into a Portuguese account in the right name, at the right time, is one of the steps applicants most often underestimate. We sequence it with you so the money is in place when it needs to be. Message us on WhatsApp.
The first D7 residence permit is valid for two years, the first renewal is for three years, and it is renewable after that; permanent residence becomes available after five years of legal temporary residence. Importantly, this five-year PR timeline is unaffected by the 2026 nationality law — only the citizenship clock changed, not permanent residence.
After the consular visa is issued, you enter Portugal and attend an AIMA appointment — within roughly 120 days — to collect your residence card. Appointment backlogs in Lisbon and Porto are real and can delay that card, which is why we plan the AIMA step into the timeline from the start rather than treating it as an afterthought.
The D7 is for passive income; the D8 digital nomad visa is for active remote earnings. The D7 floor tracks the minimum wage (~EUR 900–920/month in 2026), while the D8 requires four times the minimum wage — about EUR 3,680 per month in 2026 — typically shown over roughly three months, plus around EUR 11,040 in savings.
In short: if your income comes from a pension, rentals, dividends or investments, the D7 fits; if it comes from remote work or freelance contracts, the D8 is the route, and the entrepreneur-led D2 is also open. We assess which door matches your actual income profile before you commit to documents. Get a free eligibility check.
Portugal sits outside the jurisdictions where Cosmos Immigration holds its own regulatory licence, so we work as your coordinator. Cosmos handles eligibility assessment, documentation preparation and case management, while the application itself is prepared and submitted through government-authorised agents and regulated legal practitioners in our network.
All criteria and figures are set by the Portuguese authorities and are subject to change.
If you are aiming at a Portuguese passport, read this first. Since 19 May 2026, naturalisation takes 10 years (7 for CPLP and EU nationals), and the clock starts from when your residence permit is issued, not from your application — plus you will need an A2 language test and a culture-and-history test. Permanent residence is still reachable at 5 years, but citizenship is now a much longer horizon. Anyone whose real goal is the passport should know this upfront.
AIMA backlogs are real. Even after a consular visa, appointment delays in Lisbon and Porto can push back collection of your residence card. We plan for it rather than promise it away.
No work rights, and figures move. The D7 is a passive-income/retirement route with no active-work rights attached, and the income and savings figures are set by Portuguese authorities and indexed to the minimum wage — so they rise each year. Every figure on this page carries its as-of date for that reason.
Moving the ~EUR 11,040 or more in savings into a Portuguese bank account is a remittance from India. It is governed by the Reserve Bank of India's Liberalised Remittance Scheme — currently USD 250,000 per person per financial year — and by your authorised-dealer bank's compliance checks. Any Indian citizenship or OCI consequences only arise much later if you pursue Portuguese citizenship, which is now a 10-year horizon; they are not an immediate D7 concern.
This is general information, not financial, tax, or legal advice. Remittances are governed by RBI regulations under the Liberalised Remittance Scheme and your bank's compliance requirements — consult a qualified chartered accountant or your authorised dealer bank before moving funds.
Yes. The D7 is open and accepting applications as of June 2026. It was not closed, suspended or restructured. What changed in 2026 is the citizenship timeline, not D7 eligibility or processing.
Stable passive income at least equal to Portugal's minimum wage — roughly EUR 900–920 per month in 2026 — plus about +50% for a spouse and +30% per dependent child. The figure is indexed to the minimum wage, so it rises each year, and a margin above the floor is expected.
The D7 is a passive-income and retirement route, so it does not carry active-work rights of its own. Your income must come from sources such as pensions, rentals, dividends, intellectual property or investments. If your income is from remote work, the D8 digital nomad visa is the relevant route instead.
Permanent residence is available after five years of legal temporary residence, and that timeline is unchanged by the 2026 law. Citizenship now requires ten years of residence (seven for CPLP and EU nationals), counted from when your first residence permit was issued, with an A2 language test and a culture-and-history test.
After the consular visa, you enter Portugal and attend an AIMA appointment — within roughly 120 days — to collect your residence card. Appointment backlogs in Lisbon and Porto can cause delays, so it is worth planning that step in early.
Cosmos Immigration is a regulated immigration consultancy founded in Dubai in 2014, with offices in Dubai, Abu Dhabi, Hyderabad and Oakville. Portugal sits outside the jurisdictions where we hold our own regulatory licence, so D7 applications are prepared and submitted through government-authorised agents and regulated legal practitioners in our network, while Cosmos coordinates eligibility, documentation and case management. You can verify our credentials on the relevant public registers — look us up yourself. Verify Our Credentials
Cosmos Immigration is a private consultancy, not a government body. Program criteria and figures are set by the relevant governments and are subject to change; verified against official sources as of the date shown.
Start with a free assessment, not a sales pitch — or message us on WhatsApp. We'll tell you honestly whether the D7 fits your income profile — even if the answer is no.
© Copyright Cosmos Immigration 2026. All Rights Reserved.