The Portugal D7 income requirements in 2026 are tied to Portugal’s means-of-subsistence rules. For one adult, the mainland reference is €920 per month, based on the Portuguese minimum monthly wage in force from 1 January 2026.
But the D7 is not simply a test of whether one month’s income reaches €920. Applicants who intend to live in Portugal as retirees or from their own income must show stable and regular resources, and the national regulation requires the relevant means to be secured for at least 12 months.
2026 planning reference for one adult: €920 per month, or €11,040 over 12 months. These are national means-of-subsistence references for mainland Portugal, not a guarantee of approval and not automatically a universal bank-balance rule.
Portugal D7 income requirements at a glance
| Household component | Official formula | 2026 monthly reference | 12-month reference |
|---|---|---|---|
| First adult | 100% of the minimum wage | €920 | €11,040 |
| Each additional adult | 50% | €460 | €5,520 |
| Each child or dependent child covered by the rule | 30% | €276 | €3,312 |
The percentages come from Portugal’s Ordinance No. 1563/2007 on means of subsistence. The €920 figure comes from Decree-Law No. 139/2025, which set the 2026 minimum monthly wage for mainland Portugal.
How is the D7 income amount calculated for a family?
The national formula scales the means-of-subsistence reference according to household composition. Applying the 2026 mainland minimum wage produces the following planning figures:
| Household | Monthly reference | 12-month reference |
|---|---|---|
| 1 adult | €920 | €11,040 |
| 2 adults | €1,380 | €16,560 |
| 1 adult + 1 dependent child | €1,196 | €14,352 |
| 2 adults + 1 dependent child | €1,656 | €19,872 |
| 2 adults + 2 dependent children | €1,932 | €23,184 |
These figures are mathematical applications of the official 100% / 50% / 30% formula. They do not mean that every family presenting exactly the calculated amount will automatically receive a visa. Eligibility, documentation and the competent consular post’s requirements still need to be assessed.
What does the D7 actually require you to prove?
Portugal’s official service describes this residence visa for third-country nationals who intend to settle in Portugal as retirees, religious applicants or people living from their own income. For the own-income and retirement profiles, the financial question has several parts:
- Are the resources sufficient for the applicant and family?
- Are they stable and regular?
- Can the source and amount be documented?
- Are the resources available for use in Portugal?
- Are the means secured for the period required by the national regulation?
The regulation expressly requires stable and regular resources and, for residence-visa applicants living from pensions or their own income, means secured for a period of at least 12 months.
See the current Portuguese Government D7 service page.
Which types of income can support a D7 application?
The strongest answer comes from the regulation itself rather than from generic lists of “passive income.” For people living from their own income, Ordinance No. 1563/2007 specifically refers to income from:
- movable property;
- immovable property;
- intellectual property;
- financial investments.
For retirees, the regulation specifically contemplates documentation proving the pension or retirement income and its receipt or availability in Portugal.
This is why pensions, documented rental income and documented investment income can align naturally with the D7. The exact documents should match the source. A rental payment, for example, is stronger when the file connects the property, the legal right to the income, the agreement and the actual receipt of funds.
Pension or retirement income
Useful evidence can include official pension statements, certificates from the paying authority and bank records showing receipt. The national rule focuses on proving the income and its availability rather than on a self-declared estimate.
Rental or property income
Property income is expressly within the own-income framework. Depending on the jurisdiction and case, the file may need to show ownership or another relevant right, rental agreements, payment records, bank statements and tax documentation.
Financial-investment income
Income from financial investments is also expressly contemplated. Statements from the relevant financial institution, distribution records and bank evidence can help connect the income to its source and demonstrate availability.
Is €11,040 an income requirement or a savings requirement?
For one adult on the 2026 mainland reference, €11,040 is simply €920 multiplied by the 12-month period required by the national means-of-subsistence rule.
That does not justify turning every online statement into a universal rule that says: “Every D7 applicant must have exactly €11,040 in a Portuguese bank account.”
The national regulation requires qualifying means of subsistence and their availability in Portugal. Separate consular or VFS checklists can add operational evidence for a particular jurisdiction, including banking documents.
Do you need a Portuguese bank account for the D7?
Do not present a Portuguese bank account as an identical national statutory requirement applied in exactly the same way by every consular post. The national regulation speaks to the availability of the means in Portugal. Local official checklists can be more specific.
For example, the Portugal VFS D7 checklist publicly available for applicants in the United Kingdom asks for bank statements and a Portuguese bank account for retirement or own-income applications. However, that publicly available PDF still displays an older minimum-wage figure. Its numerical balance example should therefore not be copied as a current 2026 national threshold.
Practical rule: use current Portuguese law to calculate the 2026 national financial reference, then use the instructions of the consulate or VFS centre with jurisdiction over your application to confirm the local document package.
Can savings replace D7 income?
Savings and recurring income are not the same thing. A large bank balance can help demonstrate financial capacity and availability, but applicants should not assume that savings automatically replace the need to satisfy the applicable means-of-subsistence framework.
For example, a person with €50,000 in savings but little or no regular own income should not conclude from the account balance alone that the D7 requirements are met. The file should accurately show what the resources are, where they came from, how they are available and how the applicant will support residence in Portugal.
Can several income sources be combined?
A financial file can contain more than one documented source, but the analysis should not be reduced to adding unrelated numbers. Each source should be legitimate, compatible with the route and supported by evidence.
If, for example, an applicant receives a pension plus rental income, the file should allow the authority to understand both sources, their regularity, the amount actually received and their availability. The purpose is to demonstrate a coherent financial position, not merely to create a mathematical total.
What proof of financial means should you prepare?
The exact package depends on the income source and consular jurisdiction. A well-organised file can include:
- official pension or retirement statements;
- property ownership and rental documentation;
- financial-institution statements for investment income;
- bank statements connecting the declared income to actual receipts;
- tax returns or official tax records where relevant;
- documents explaining the frequency and continuity of the income;
- banking evidence requested by the competent consular post;
- translations, apostilles or legalisation where required for the specific document and jurisdiction.
A bank statement is useful, but it may not explain the source of a recent deposit. Stronger evidence connects the underlying asset or entitlement to the payment record and the bank account receiving the money.
What if your income is in US dollars, Brazilian reais or another currency?
The statutory reference is expressed in euros. Applicants whose income is paid in another currency should present the documents clearly enough for the competent authority to understand the amount, frequency and euro-equivalent value.
Because exchange rates move, an income stream close to the euro threshold can move above or below the reference without the underlying foreign-currency payment changing. Build enough margin into your planning rather than relying on a favourable conversion on one particular day.
Does the €920 figure apply everywhere in Portugal?
The €920 figure cited in this article is the 2026 minimum monthly wage for mainland Portugal. Madeira and the Azores have regional minimum-wage rules. Applicants whose calculation may depend on a regional figure should confirm the applicable rule for their case rather than automatically reusing the mainland amount.
D7 income vs Digital Nomad income
The D7 should not be chosen only because its financial reference is lower. The source of the income matters.
Portugal’s Digital Nomad residence visa is specifically designed around professional activity performed remotely for employers or clients outside Portugal. In 2026, its income test is an average of at least four minimum monthly wages over the previous three months, or €3,680 using the mainland €920 figure.
If your main financial support comes from remote employment or freelance services rather than pension, property or investment income, read our Portugal D7 vs Digital Nomad Visa comparison before choosing a route.
Frequently asked questions
What is the Portugal D7 income requirement in 2026?
For the first adult, the mainland means-of-subsistence reference is €920 per month in 2026. Additional adults are calculated at 50% and children or dependent children covered by the rule at 30%.
How much does a couple need?
The 2026 mainland reference for two adults is €1,380 per month, or €16,560 over 12 months.
How much is added for a dependent child?
The formula adds 30% of the minimum wage. Using €920, that is €276 per month or €3,312 over 12 months for each dependent covered by that part of the rule.
Can pension income be used for the D7?
Yes. Retirees are expressly included in the category, and the national regulation provides for documentary proof of pension or retirement income and its receipt or availability.
Can rental income be used?
Income from immovable property is expressly contemplated. It should be properly documented and shown to be available for the applicant’s support.
Do I need exactly €11,040 in a Portuguese bank account?
€11,040 is the 12-month mathematical reference for one adult on the 2026 mainland figure. Do not treat it as an identical universal bank-balance rule for every jurisdiction. Check the competent consulate or VFS checklist for the local banking evidence required.
Can I rely only on savings?
Do not assume so. Savings can support the evidence of financial capacity, but the D7 framework requires qualifying means of subsistence, including the stability, regularity and availability considerations in the national rules.
Is the D7 the right visa for a remote employee?
Not necessarily. If the move is fundamentally supported by remote professional activity for an entity outside Portugal, the Digital Nomad route is the category designed around that activity.
Explore your Portugal residency options
The most useful D7 financial file does more than reach a number. It shows amount + source + regularity + availability + documentation in a way that matches the applicant’s actual circumstances.
Read the Portugal D7 program page, compare the D7 with the Portugal Digital Nomad Visa, use the FYPAS comparison tool, or start Find Your Path to narrow the routes worth exploring.
Official sources
- gov.pt – Residence visa for retirees, religious applicants and people living from own income
- Diário da República – Ordinance No. 1563/2007 on means of subsistence
- Diário da República – Decree-Law No. 139/2025, 2026 mainland minimum wage
- VFS Portugal UK – D7 checklist publicly available at verification; jurisdiction-specific evidence, with an older numerical benchmark still displayed
Last verified: 11 September 2026.
This content is for general information only and does not constitute legal, tax or financial advice. Consular document requirements can vary by jurisdiction and should be confirmed when you apply.