Moving to Portugal in 2026: The Realistic Budget for a Couple

We always say this: meeting the visa minimum is not the same as being financially comfortable.

Let’s look at real numbers for 2026.

1. D7 Income Requirements (2026)

For 2026, the D7 is linked to the Portuguese minimum wage.

You should expect roughly:

• Main applicant: 100% of minimum wage annually

• Spouse: 50%

• Dependent child: 30%

Most immigration lawyers recommend showing at least 30% more income than the minimum, even though savings do not usually require that buffer.

2. Savings

Savings are not mandatory in fixed amounts, but showing:

€15,000 to €25,000+ for a couple
is generally considered a stronger position.

3. Visa & Legal Fees

DIY route:
€300 to €600 per person (application fees only)

Mid-range support:
€1,500 to €3,000 per person

White-glove legal services:
€4,000 to €6,000+

4. Rental Costs

Expect:

• 1 month rent upfront

• 2 to 3 months deposit

• Sometimes an extra guarantor month

For a €1,200 rental, you may need €4,000 to €5,000 upfront.

5. Health Insurance

Private health insurance typically ranges:

€40 to €120 per person per month depending on age.

6. Flights & Travel

Allow €1,000 to €3,000 depending on how many trips you make.

7. Setting Up in Portugal

Utilities
Furniture
Car purchase or rental
Initial grocery and living buffer

Many couples spend €5,000 to €10,000 settling in during the first three months.

A Realistic Moving Figure

For most couples, a comfortable relocation budget sits between:

€25,000 and €40,000+

That includes buffer.

Moving countries is expensive. Planning properly makes it far less stressful.