People massively overcomplicate this part of the residency process.The truth is: every country is trying to answer just one questionā¦
š āCan you support yourself without becoming a burden on our system?ā
Hereās how income rules really work behind the scenes ā and what you can use to qualify.
š§® 1ļøā£ The Three Types of Income That Countries Accept
Different visas look for different kinds of income, but almost all fall into these categories:
A) Active Income (youāre working)
Used mainly for Digital Nomad Visasā Remote job salaryā Freelance incomeā Contracts with overseas clientsā Business owner income (if you pay yourself consistently)
Most countries want:š $1,500ā$3,500/month proven for 3ā6 months.
B) Passive Income (youāre not working)
Used for D7, non-lucrative, and retirement visasā Rental incomeā Dividendsā Pensionsā Royaltiesā Annuitiesā Investment withdrawals (in some cases)
Typical range:š ā¬700āā¬2,000/month depending on the country.
C) Savings / Lump Sum
Used for countries where āfinancial stabilityā matters more than income consistencyā Bank savingsā Fixed depositsā Investment accounts
Typical ranges:š $25,000ā$60,000 depending on age, dependents, and visa type.
Some countries even allow you to combine income + savings.
š 2ļøā£ What Doesnāt Count (but people think it does)
ā Crypto gains with no documented historyā One-off paymentsā Gifts from familyā Business revenue that doesnāt flow into your accountā Inconsistent freelance income with no contracts
Immigration officers look for stability ā not big random numbers.
š¦ 3ļøā£ How They Verify Your Income
Every country uses some combination of:
- Last 3ā6 months of bank statements
- Payslips or invoices
- Employment/freelance contracts
- Pension letters
- Tax returns
- Dividend statements
- Rental contracts
If the income doesnāt appear in your bank account ā they wonāt count it.
āļø 4ļøā£ Why Some People Get Rejected (Even with Enough Money)
Countries donāt just evaluate the amount ā they check the pattern:
ā Inconsistent incomeā Sudden unexplained depositsā Savings transferred last minuteā Documents in different namesā No translation/notarisation when required
Most rejections are paperwork issues, not financial ones.
š§ 5ļøā£ A Simple Rule of Thumb
If you can show:
š $2,000/month OR $25k+ savingsā¦you qualify for half the residency programs worldwide.
If you can show:
š $3,000/monthā¦you qualify for almost all the Digital Nomad Visas.
š¬ Question for You
Which income route applies to you right now ā active, passive, or savings-based?
Drop it below š ā I can point you toward the easiest visas that match your situation.