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How much do I need to move to Portugal?

Work out the cash to have ready for your first 3 or 6 months in Portugal: visa costs, documents, deposit, set-up and living costs.

Who’s moving
Adults
2
Area
Value: further from the centre or the beach. Prime: central and sought-after areas
Plan for your first
Your move

Your results

Have this much ready before you move€46,563about £39,460 · includes a 1-month safety buffer
Lean start: €27,970. That’s €18,593 less if you put off what can wait.
Costs in your first 6 months€58,300
Covered by your employer and others€0
Deposit you get back later€4,540
Running costs a month€3,502

Month by month (€)

WhenOutInBalance
Before you go4,2200-4,220
Month 138,8424,000-43,062
Month 21,2324,000-40,293
Month 33,5024,000-39,795
Month 43,5024,000-39,297
Month 53,5024,000-38,798
Month 63,5024,000-38,300

Before you go

Flights out: 4 × €130 (one way) Estimate€520
Visa fees: main €150 + partner €150 + 2 × child €150 €600
Police certificates, apostilles and translations: 2 × about €300 Estimate€600
Shipping your belongings Estimate€2,500

When you arrive (month 1)

Temporary home: 4 weeks at about €1,050 a week Estimate€4,200
Deposit (caução): 2 months’ rent on €2,270 a month You get it back€4,540
Rent paid in advance at signing: 1 month €2,270
Electricity, gas, water and internet set-up Estimate€150
Furniture and basics Estimate€4,500
Residence permits (AIMA): 4 × €250 €1,000
Buying a used car Can wait Estimate€18,000
Ownership transfer and registration costs Estimate€250
Exchanging your UK licence: 1 × €30€30
SIM cards, transport card and small set-up Estimate€400

Every month

Rent: €2,270 a month (3-bed home (T3), Lisbon)€2,270
Electricity, gas and water Estimate€170
Home internet Estimate€25
Mobile: 2 × €10 Estimate€20
Groceries: 2 × €150 + 2 × €90 Estimate€480
Eating out and leisure: 2 × €120 + 2 × €40 Estimate€320
Fuel, servicing and insurance Estimate€217
Running costs × 6 months€21,010
Less: rent already paid in advance at signing (1 month)− €2,270

How we get to €46,563

All costs above, in your first 6 months€58,300
Your cash is lowest at: Month 1. Costs up to then€43,062
Less: paid by your employer and others, and money from the UK− €0
Less: your income received by then (none yet: we count your first month’s income of €4,000 at the end of month 1, after your cash is at its lowest)− €0
Shortfall at the lowest point€43,062
Plus: safety buffer (1 month of running costs)+ €3,502
Have this much ready€46,563

Your first month’s rent is part of the rent counted from month 1; rent paid in advance at signing covers the months after it. The deposit comes back when you leave, so it isn’t taken off. The D7 and D8 visas also ask you to show a minimum income and savings: see Which Portuguese visa do I need?

Rent is €2,270 a month for a 3-bed home (T3) in Lisbon (idealista rental price report for September 2026 (median asking rent per m² in each city, published 2 Oct 2026), applied to a typical 80 m² two-bedroom (T2) and scaled to other sizes by the bedroom ratios in Brains Real Estate Q2 2026 asking rents; value and prime use the spread between districts in Madrid and Barcelona from the same Brains tables). Items marked “Estimate” are planning figures. Read Renting in Portugal and What it costs to live in Portugal.

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Estimates to help you plan, not financial advice. Nothing you enter is sent to us unless you ask for an email or sign in to save your answers.

How this calculator works

  • Tell it who’s moving, the city and area, your visa route (a job, the D8 digital nomad visa or the D7 visa), furniture, car, shipping, pets and schooling
  • Add any help from an employer: a temporary home, flights, shipping, visa costs or a relocation allowance
  • It adds up every up-front cost, including the rental deposit, rent paid in advance and residence permit fees, and your living costs for your first 3 or 6 months, then takes off the income coming in and adds a safety buffer
  • Every line is itemised, so you can see where each euro goes

It runs in your browser. Nothing you enter is sent to us unless you ask us to email you the results, and we don’t keep it. Results are estimates, not a quote or financial advice: check the official sources linked in each guide before you rely on them.