Golden Visa Costs Calculator

Most people think the Portugal Golden Visa “cost” is just the €500k investment (or maybe the government fees and a lawyer). In reality, there are a lot of moving parts — application fees, legal work, document prep, translations and apostilles, biometrics, travel, renewals, and the little admin costs that add up over time. This calculator is here to give you a realistic, rough idea of what you might spend in total, based on your situation and choices.

Disclaimer: These figures are estimates, not quotes. With the exception of the official government fees (which are fixed), costs can vary widely and change over time — legal fees differ by firm, some applicants need translations and notarisation while others don’t, travel frequency ranges from once a year to once every two years, and accommodation can be anything from budget stays to five-star hotels. Use this as a planning tool, then confirm the final numbers with your lawyer, providers, and travel plans.

Portugal Golden Visa Cost Calculator

Golden Visa Cost Calculator

Estimate the total cost of obtaining Portugal's Golden Visa. Choose Simple for a quick estimate with default values, or Advanced to customise individual costs.

Calculation Mode(Required)

Simple — use default estimates

Advanced — enter my own figures

Simple uses average costs. Advanced lets you adjust individual items like flights, legal fees, and bank charges.

Number of Adults(Required)

Include yourself and your spouse/partner if applicable.

Number of Children(Required)

Dependent children included on the application.

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Total Applicants

Are you investing in a fund?(Required)

Yes

Not all Golden Visa routes involve a fund. Some involve donations or scientific research investments.

Expected Annual IRR (%)

Most funds estimate around 8% IRR. Adjust based on your fund's projections. This is the gross annual return before management fees are deducted.

Do you plan to apply for Portuguese citizenship?(Required)

Yes

After 5 years of legal residency you may be eligible. Requires an A2 Portuguese language exam.

Administrative Costs

Adjust the bank and account-related costs below. Per-person costs (criminal records, NIF, tax representation, insurance, translations) use standard rates and are calculated automatically.

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Default Bank Account Opening (€)

Bank Account Opening (€)

One-time fee per application. Average €500 (can range from €250 upwards).

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Resolved Bank Account Opening (€)

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Default Bank Account Fees Per Year (€)

Bank Account Fees Per Year (€)

Average annual maintenance fees. Can be reduced with certain providers.

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Resolved Bank Account Fees Per Year (€)

Travel Costs

Estimated costs per required trip to Portugal (3 trips over the 5-year period, once every 2 years). Couples sharing a room can reduce accommodation.

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Default Flight Cost Per Person Per Trip (€)

Flight Cost Per Person Per Trip (€)

€1,000 is an average. Varies by departure city and time of booking.

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Resolved Flight Cost Per Person Per Trip (€)

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Default Accommodation Per Trip — Total (€)

Accommodation Per Trip — Total (€)

Based on 14 nights at €100/night. Couples sharing a room can halve this.

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Resolved Accommodation Per Trip — Total (€)

Currency Exchange

Set to 0 if you are paying in Euros.

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Default Currency Exchange Fee (%)

Currency Exchange Fee (%)

Default 0.19% — typical for large transfers via Wise or OFX.

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Resolved Currency Exchange Fee (%)

Fund Costs

Adjust the fee percentages charged by your fund. Performance fees (~20% of profits) are not included as they depend on actual returns.

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Default Subscription Fee (%)

Subscription Fee (%)

One-time entry fee, typically 1–2% of the investment.

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Resolved Subscription Fee (%)

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Default Annual Management Fee (%)

Annual Management Fee (%)

Ongoing annual fee, typically 1–2%. Charged yearly by the fund manager.

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Resolved Annual Management Fee (%)

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Default Exit Fee (%)

Exit Fee (%)

One-time fee on redemption, typically around 1%. Not all funds charge this.

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Resolved Exit Fee (%)

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Calc Processing Fee

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Calc Initial Application Fee

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Calc Per Renewal Fee

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Calc Govt Total

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Calc Legal Total

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Calc Criminal Records

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Calc NIF

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Calc Tax Rep/yr

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Calc Insurance/yr

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Calc Doc Translation

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Calc Admin One-Time

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Calc Admin Annual

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Calc Admin Total

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Calc Per Trip

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Calc Travel Total

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Calc Subtotal Before FX

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Calc FX Total

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Calc Sub Fee Amt

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Calc Mgmt Fee Amt

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Calc Exit Fee Amt

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Calc Fund Total

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Calc Effective Annual %

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Calc Net After Sub

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Calc Year 1

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Calc Year 2

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Calc Year 3

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Calc Year 4

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Calc Year 5

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Calc After Exit Fee

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Calc Net Gain

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Calc Citizenship Fee

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Calc Language Exam

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Calc Language Classes

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Calc Optional Total

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Calc Grand Total

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Calc Fees Excl Investment

View Your Results

Enter your details below to see your personalised Golden Visa cost estimate.

Name(Required)

First

Last

Email(Required)

Phone (Optional)

Your Estimated Golden Visa Costs

Based on your inputs, here is an estimated breakdown of the costs involved in obtaining Portugal's Golden Visa.

Investment Amount: €500,000

Government Fees

Processing (€773.74) + Initial Application (€7,730.11) + First Renewal at year 2 (€3,865.79) + Second Renewal at year 5 (€3,865.79) — per person.

Legal Fees

€7,500 (main applicant) + €5,000 (second adult) + €2,500 per child.

Administrative Costs

Criminal records, NIF, tax representation, bank account, insurance, and document translation over 7 years.

Travel Costs

Flights and accommodation for 3 required trips (once every 2 years).

Currency Exchange Fees

Applied to the total of investment + all fees.

Fund Costs

Subscription fee + 5 years of management fees + exit fee. Performance fees are not included.

Citizenship Costs

Application fee (€250) + language exam (€75) + language classes (€1,000) per applicant.

ESTIMATED TOTAL COST

Total including the €500,000 investment.

Total Fees and Costs (Excluding Investment)

All fees and expenses — not including the €500,000 investment capital (which you may recover when the fund matures or your investment period ends).

Estimated Fund Return

Based on your selected IRR after deducting subscription, management, and exit fees. This is an estimate — actual returns will vary.

Estimated Value After 5 Years

Your estimated fund value after subscription fee, 5 years of growth (net of management fees), and exit fee.

Estimated Net Gain From Fund

Estimated return minus your original €500,000 investment.

Important Disclaimer

These figures are estimates only and are intended to give you a general idea of costs. Actual costs may vary based on your specific circumstances, the legal firm you choose, the fund you invest in, exchange rates, and changes to Portuguese government fees.

Key notes:
- Fund performance fees (typically ~20% of profits) are not included as they depend on actual returns.
- Your investment capital (€500,000) may be partially or fully returned when the fund matures — it is not a sunk cost.
- Couples sharing accommodation on trips to Portugal can reduce travel costs.
- Some costs (NIF, bank account, tax representation) vary significantly between providers.
- The second renewal at year 5 covers you through to year 8, giving enough time to qualify for citizenship.

We recommend speaking with a qualified immigration lawyer for a precise cost breakdown tailored to your situation.