Luxembourg · Retire or live on savings
Luxembourg Private reasons residence
Income needed: from €1,944 a month ≈ $2,170
Residence for private reasons ("vie privée"): EU or Schengen pension or work income, or strong personal ties
Checked against official sources on Change log
Key facts
Private reasons residence is a retire or live on savings route for Luxembourg. Applicants need income from €1,944 a month ≈ $2,170. You can stay 3 yrs, renewable. Local work: with a permit. Checked 2026-10-12 against the official source.
- Money needed
- from €1,944 a month ≈ $2,170
- Government fees
- €80 ≈ $89
- Processing
- Up to 120 days
- First stay
- 3 yrs
Cost, time and long term
To apply: government fee €80 ≈ $89; income to show from €1,944/mo ≈ $2,170; decision: up to 120 days. No lawyer or agent fee is included.
Government fees€80 ≈ $89
- EUR 80 (≈ $89)Residence permit issuance fee, paid after the application is accepted.
Shown, not spent€2,771+/mo ≈ $3,100 · €1,944+/mo ≈ $2,170
- EUR 2,771.33 a month (≈ $3,100)Monthly resources assessed against the social minimum wage of an unskilled worker aged 18 or over, EUR 2,771.33 (≈ $3,100) at index 992.24 from 1 June 2026; applies to applicants living on EU/Schengen work income or an EU/Schengen pension.
- EUR 1,944.4 a month (≈ $2,170)Applicants with strong personal or family ties must show stable, regular resources at least equal to the social inclusion income (REVIS); maximum allocation for one adult is EUR 1,944.40 (≈ $2,170) per month at index 992.24 from 1 June 2026.
Permanent residenceAfter 5 years of residence
Long-term resident status after 5 years of legal, uninterrupted residence, with stable resources and housing. Half of study time counts; seasonal, posted and transferred worker time does not.
Ministry of Foreign and European Affairs, Immigration Directorate, Luxembourg
CitizenshipAfter 5 years of residence
Naturalisation needs 5 years of legal residence, the last year uninterrupted, a Luxembourgish language certificate and the "Vivre ensemble" course.
ProcessingUp to 120 days
The response deadline is in principle 4 months at most.
Where to applyFrom abroad
Request a long-stay visa D at the Luxembourg embassy or consulate before entry, then apply for the residence permit after arrival.
Presence rulesAbsence limits
For long-term status, absences must stay under 6 consecutive months and 10 months in total over the 5 years.
Ministry of Foreign and European Affairs, Immigration Directorate, Luxembourg
Why this route may not fit
Check this before you apply.
- Applications are made from outside Luxembourg, not after arriving
- Working needs a separate permit
- Not open to EU, EEA or Swiss passports
What you'll need
Who can apply2
- The applicant lives abroad and has resources from EU or Schengen work or from a Luxembourg, EU or Schengen pension.
- Alternatively, the applicant has personal or family ties that make a refusal a disproportionate interference with private and family life.
What you must show3
- Resources must at least equal the monthly social minimum wage of an unskilled worker, EUR 2,771.33 (≈ $3,100).
- For the ties-based route, resources must at least equal the REVIS amount, shown as EUR 1,944.40 (≈ $2,170) per month for one adult.
- A financial undertaking from a Luxembourg national or legal resident of at least one year is accepted as part of the resources.
Documents2
- Proof of resources, such as EU, EEA or Schengen pay slips or a pension certificate.
- A criminal record extract under 3 months old and travel health insurance for the visa period.
Steps2
- Apply for the long-stay visa D, then after entry apply for the residence permit before the visa expires.
- The response time is in principle up to 4 months; no answer counts as a refusal.
After you arrive2
- A work authorisation for a salaried job can be requested later; the first one is valid up to 1 year, for one profession and one sector.
- The residence permit issuance fee of EUR 80 (≈ $89) is paid after the application is accepted.
When you become tax resident
How Luxembourg decides tax residence and treats foreign-source income, from its tax records.
- Foreign-source income
Resident taxpayers in Luxembourg are subject to income tax on their worldwide revenues (domestic and foreign-source) and must report worldwide income, exempt and non-exempt, in their return; non-residents are taxed only on Luxembourg-source income unless they opt for resident treatment.
All tax rules for Luxembourg Tax records checked
What you need to arrange
- Health insurance
A criminal record extract under 3 months old and travel health insurance for the visa period
- Police certificate and civil documents
A criminal record extract under 3 months old and travel health insurance for the visa period
Taken from this route's requirements above. The authority's own list is the one that counts.
Full official text
Residence for third-country nationals who live on their own stable resources, namely a pension from Luxembourg, EU or Schengen social security or income from work in another EU or Schengen state, or who have family or personal ties that make refusal disproportionate. 1 2 3 4 5
What you must show and pay
- Income of at least EUR 2,771.33 a month (≈ $3,100) · Monthly resources assessed against the social minimum wage of an unskilled worker aged 18 or over, EUR 2,771.33 (≈ $3,100) at index 992.24 from 1 June 2026; applies to applicants living on EU/Schengen work income or an EU/Schengen pension. 1 2
- Income of at least EUR 1,944.4 a month (≈ $2,170) · Applicants with strong personal or family ties must show stable, regular resources at least equal to the social inclusion income (REVIS); maximum allocation for one adult is EUR 1,944.40 (≈ $2,170) per month at index 992.24 from 1 June 2026. 1 3
- A fee of EUR 80 (≈ $89) · Residence permit issuance fee, paid after the application is accepted. 4
Requirements
- The applicant lives abroad and has resources from EU or Schengen work or from a Luxembourg, EU or Schengen pension. 1
- Alternatively, the applicant has personal or family ties that make a refusal a disproportionate interference with private and family life. 1
- Resources must at least equal the monthly social minimum wage of an unskilled worker, EUR 2,771.33 (≈ $3,100). 1 2
- For the ties-based route, resources must at least equal the REVIS amount, shown as EUR 1,944.40 (≈ $2,170) per month for one adult. 1 3
- A financial undertaking from a Luxembourg national or legal resident of at least one year is accepted as part of the resources. 1
- Proof of resources, such as EU, EEA or Schengen pay slips or a pension certificate. 1
- A criminal record extract under 3 months old and travel health insurance for the visa period. 1
- Apply for the long-stay visa D, then after entry apply for the residence permit before the visa expires. 1 4
- The response time is in principle up to 4 months; no answer counts as a refusal. 1
- A work authorisation for a salaried job can be requested later; the first one is valid up to 1 year, for one profession and one sector. 1
- The residence permit issuance fee of EUR 80 (≈ $89) is paid after the application is accepted. 4
Stay
- A long-stay visa D, valid for up to one year, is needed to enter. The residence permit marked 'private reasons' is valid for up to three years and is renewable on request if, after re-examination, the holder still meets the conditions.
- First stay: up to 36 months, decided case by case.
- Renewable, subject to the conditions in force at renewal.
Nationality
Non-EU/EEA/Swiss nationals. Not open to: Austria, Belgium, Bulgaria, Switzerland, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia.
Work
Salaried work needs a separate work authorisation; the first one is valid up to 1 year, for one profession and one sector.
Fine print
The resources condition, as recorded from Guichet, names only a Luxembourg, EU or Schengen pension or income from work in an EU or Schengen state; a pension from another country is not named. The response deadline was recorded once as 3 months and once as 4 months, and the longer period is shown. The REVIS amount of EUR 1,944.40 (≈ $2,170) is confirmed on the National Solidarity Fund page; the Guichet page for this permit and the social minimum wage table were not available on 12 October 2026, so the other points are not re-confirmed.
Official sources
- Residence for private reasons · Guichet.lu (Luxembourg State portal) · checked 2026-10-10
- Paramètres sociaux valables au 1er juin 2026 (index 992.24) · Inspection générale de la sécurité sociale · checked 2026-10-11
- Amount of the social inclusion income (REVIS) · Fonds national de solidarité · checked 2026-10-12
- Issuance of your first residence permit (step 2, after entry) · Ministère des Affaires intérieures / Guichet.lu · checked 2026-10-11
- Amended Law of 29 August 2008 on free movement of persons and immigration (consolidated version of 12 June 2026) · Legilux (Government of Luxembourg) · checked 2026-10-11 · published 2008-08-29
- Le statut de resident de longue duree (Articles 80 a 88 of the amended law of 29 August 2008) · Ministry of Foreign and European Affairs, Immigration Directorate, Luxembourg · checked 2026-10-11
- Acquerir la nationalite luxembourgeoise par naturalisation · Guichet.lu (Luxembourg government portal) · checked 2026-10-11
Private reasons residence and its alternatives
| Route | Money needed | Stay | Work |
|---|---|---|---|
| Private reasons residence | Needs income from €1,944 a month ≈ $2,170 | 3 yr, renewable | With a permit |
| D7 passive income visa Portugal | Needs income of €920+ a month ≈ $1,030 | 2 yr, renewable | – |
| Non-lucrative visa Spain | Needs income of €2,400+ a month ≈ $2,680 | 1 yr, renewable | No |
| Elective residence Italy | Needs income of €31k+ a year ≈ $35k | – | No |
| Independent means permit Greece | Needs income of €3,500+ a month ≈ $3,910 | 3 yr, renewable | – |
Questions people ask
How much money do I need for the Private reasons residence?
Income of at least EUR 2,771.33 a month (≈ $3,100). Monthly resources assessed against the social minimum wage of an unskilled worker aged 18 or over, EUR 2,771.33 (≈ $3,100) at index 992.24 from 1 June 2026; applies to applicants living on EU/Schengen work income or an EU/Schengen pension. Income of at least EUR 1,944.4 a month (≈ $2,170). Applicants with strong personal or family ties must show stable, regular resources at least equal to the social inclusion income (REVIS); maximum allocation for one adult is EUR 1,944.40 (≈ $2,170) per month at index 992.24 from 1 June 2026. A fee of EUR 80 (≈ $89). Residence permit issuance fee, paid after the application is accepted.
How long can I stay on the Private reasons residence?
A long-stay visa D, valid for up to one year, is needed to enter.
How long does the Private reasons residence take to process?
The response deadline is in principle 4 months at most.
Can I work on the Private reasons residence?
With a permit. Salaried work needs a separate work authorisation; the first one is valid up to 1 year, for one profession and one sector.
Who can apply for the Private reasons residence?
Non-EU/EEA/Swiss nationals. Not open to: Austria, Belgium, Bulgaria, Switzerland, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia.
Does the Private reasons residence lead to permanent residence in Luxembourg?
Time on the Private reasons residence counts toward permanent residence in Luxembourg, which the rules allow after 5 years of residence. Time on the Private reasons residence counts toward citizenship, which the rules allow after 5 years of residence.
How are Private reasons residence holders taxed in Luxembourg?
No special regime in our records is tied to the Private reasons residence. The standard rules apply: Resident taxpayers in Luxembourg are subject to income tax on their worldwide revenues (domestic and foreign-source) and must report worldwide income, exempt and non-exempt, in their return; non-residents are taxed only on Luxembourg-source income unless they opt for resident treatment.
More in Luxembourg
Retirement and live-on-savings visas elsewhere
≈ USD figures are approximate: daily reference rates from ExchangeRate-API, dated 12 Oct 2026, refreshed when the site is updated.
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How this was checked
Checked on 2026-10-12 against 7 official sources. Status: verified against the official sources.
Every figure on this page comes from the official source it links to. The record was researched against these sources, then reviewed separately, with special attention to effective dates and amendments. Where a source does not state something, the page leaves it out.
- Residence for private reasons · Guichet.lu (Luxembourg State portal) · checked 2026-10-10
- Paramètres sociaux valables au 1er juin 2026 (index 992.24) · Inspection générale de la sécurité sociale · checked 2026-10-11
- Amount of the social inclusion income (REVIS) · Fonds national de solidarité · checked 2026-10-12
- Issuance of your first residence permit (step 2, after entry) · Ministère des Affaires intérieures / Guichet.lu · checked 2026-10-11
- Amended Law of 29 August 2008 on free movement of persons and immigration (consolidated version of 12 June 2026) · Legilux (Government of Luxembourg) · checked 2026-10-11
- Le statut de resident de longue duree (Articles 80 a 88 of the amended law of 29 August 2008) · Ministry of Foreign and European Affairs, Immigration Directorate, Luxembourg · checked 2026-10-11
- Acquerir la nationalite luxembourgeoise par naturalisation · Guichet.lu (Luxembourg government portal) · checked 2026-10-11
Tracked since 2026-10-10. Rule changes and corrections are listed on the changes page, and the methodology page explains how facts are checked. Found something out of date? Email contact@stayglobe.app with a link to the official source.