
So you’ve got to that point and it’s time to retire, anywhere between 62 and somewhere in your 70s. It depends for most of us on how well we’ve managed to put away a nest egg. According to the Synchrony website in 2025 the average American has managed to save between the ages 65-74 $609,230. But you don’t want to sell the family pile; the kids are getting that when you pass. Maybe you see yourself travelling the world like Indiana Jones or Philleas Fogg in an around the world in 80 days adventure thing.
So here’s the good news, you can do just that!!!
The E,U. allows non-residents to stay in any of the Schengen countries for 90 days out of every 180.
WHAAAAT I hear you say???
How does that work???
So here is a brief explanation;
Understanding the 90/180 Day Rule
Firstly, it’s essential to grasp what this rule entails. As a non-European, you’re allowed to stay in the Schengen Area, including Spain, for 90 days within any 180-day period. This rule is designed to regulate short stays, primarily for tourism, business, or family visits.
Calculating Your Days: The Non-Consecutive Dilemma
The calculation of these 90 days isn’t as straightforward as it might seem, especially when your visits are non-consecutive.
Each day of stay in the Schengen Area counts, even if it’s a part of a day.
Arriving on a Friday and leaving on Saturday? That’s two days, not just one.
To simplify this, consider using a Schengen calculator. These tools help track your days accurately, ensuring you remain compliant with visa regulations. Here are two reliable calculators:
The "90-day rule" in Spain, which also applies to the entire Schengen Area, dictates that non-EU citizens can stay in Spain (or any other member country) for a maximum of 90 days within any 180-day period. This rule applies whether or not a visa is required for entry. It's a limit on the total time spent within the Schengen Area, not just Spain, during that timeframe.
Key points about the 90-day rule:
180-day period: The 90 days are calculated retroactively, looking back 180 days from the current date.
Schengen Area: The 90-day limit applies to all countries within the Schengen Area, not just Spain.
Non-EU citizens: The rule specifically applies to individuals who are not citizens of the EU, Iceland, Liechtenstein, Norway, or Switzerland.
Visa-free travel: For those who can enter visa-free, like US citizens, the 90-day allowance is within this rule.
Overstaying: Exceeding the 90-day limit can lead to penalties, including fines and restrictions on future travel to the Schengen Area.
Extending your stay: If you need to stay longer than 90 days, you must apply for a Schengen visa or residence permit.
How to calculate your stay: (I recommend you use the link address below)
https://www.visa-calculator.com/
Example
Please enter your last six months of travel dates to the Schengen countries in chronological order while you plan your next visits.
Date of Date of Days of Days of Stay Last Day
Entry Exit Stay in Last 180 to Stay
01-08 15-08 15 15 29-10-2025
2025 2025
19-09 31-10 43 58 02-12-2025
OK. You can stay for 32 days more, until 02-12-2025.
If you re-enter the Schengen area on 27-12-2025, you can stay 47 days until 11-02-2026.
If you re-enter the Schengen area on 30-01-2026, you can stay 90 days until 29-04-2026.
You can use an online Schengen calculator or consult official resources like the Spanish Ministry of Foreign Affairs or your local embassy/consulate to track your days within the 180-day period.
I STRONGLY RECOMMEND YOU USE A SHENGEN CALCULATOR TO TRACK YOUR STAYS.
Staying longer than 90 days:
If you need to stay in Spain or the Schengen Area for more than 90 days, you'll need to obtain the appropriate visa or residence permit. Options include:
Long-stay visa: This is for stays longer than 90 days for specific purposes like work, study, or family reunification.
Residence permit: This allows you to live in Spain for a longer period, often tied to a specific purpose and requiring specific conditions to be met.

27 September 2025|Americans moving to Spain
In fact you cannot apply for this visa from within Spain it must be filed from the USA.
You must apply through the Spanish consulate or BLS Visa service for Spain that serves your region of legal residence in the US. The application must be submitted in person.
Important Note: Honorary Consulates are not authorized to process visa applications. You must apply through one of the main general consulates and their associated BLS service centers, based on your residency.
2. Check the website: Visit the official website of your regional consulate or BLS to review their specific NLV requirements, application forms, and appointment instructions. Services like My Spain Visa provide lists of consulates in the USA.
3. Gather documents: Collect all required documents for your application, which may include the visa application forms, proof of financial means, medical insurance, and a valid passport.
4. Book an appointment: Schedule an appointment, typically online or by email, with the consulate or BLS service.
5. Attend your appointment: Submit all original documents and attend the appointment in person at the designated location.
6. Wait for a decision: Processing times can vary, so be patient while the application is reviewed.
7. Follow up steps: If approved, you will receive the visa and then need to complete post-arrival steps in Spain, such as registering your residence and applying for your foreigner's identification card (TIE).
Example documents for the non-lucrative residence visa (NLV) typically include a passport, completed visa application forms, passport-sized photographs, proof of financial means (e.g., bank statements), a medical certificate, and a criminal record certificate. You may also need a private health insurance policy valid in the destination country and documents proving legal status, such as birth certificates.
Financial Documents
Medical & Health Documents
Application Forms
You can do all of this yourself, however if your in any doubt you should employ an agency to file for you. This will cost anywhere between €295 to €1,200 per person based on figures for 2025.

29 September 2025|Americans moving to Spain
Posted by Steven Grafflin expatspainlife.com 09/28/2025
As remote work becomes increasingly common across different parts of the world, you might be considering becoming a digital nomad. To support this lifestyle, Spain has introduced the Digital Nomad Visa (DNV), allowing remote workers to live in one of Europe’s culturally richest countries.
CAN I APPLY FOR THE SPANISH DNV FROM THE USA yet again the short answer is yes, you can apply for the Spanish Digital Nomad Visa (DNV) from the USA by submitting your application at a Spanish consulate or through BLS. You should apply for the NIE at the same time as you apply for the DNV.
US citizens are eligible as non-EU/EEA citizens and can apply at the Spanish embassy or consulate in the US. You can also enter Spain as a tourist and apply for the residency permit from within the country before your 90-day stay expires.
Updated: May 19th, 2025:
As of April 2025, there are now confirmed cases where U.S. W2 employees have been approved for the Spain Digital Nomad Visa (DNV). While this is a significant and exciting development, it’s important to note that approvals for W2 employees are still not 100% guaranteed, and the immigration office may change its stance at any time.
For U.S. nationals who are freelancers or business owners (1099 contractors), the application process remains straightforward.
Obtaining the DNV is straightforward if you want to work from the Iberian Peninsula, but it’s important to follow a specific procedure. Here are the 6 steps to apply for a DNV for Spain.
Preliminary Requirements:
Before starting the application process, ensure you meet the following requirements:
You must work for a non Spanish foreign company or be a freelancer providing services to non Spanish foreign clients.
The DNV is exclusively for non-EU applicants.
You must have sufficient and provide proof of income to support you, and your family if they're coming with you:
To demonstrate sufficient income to support yourself while living in Spain use the following rules.
For a Single Applicant: €2,762.66 per month (twice the monthly Spanish national minimum wage of €1,184).
How to Calculate Your Total Monthly Income
Key Considerations
Required Documentation Gather the following documents:
Valid Passport: Ensure your passport is valid for at least one year and has 2 pages clean of any stamps.
Proof of Remote Employment: Work contract with a foreign company or proof of your freelance activities.
Proof of Income: Bank statements or tax documents showing your income.
Health Insurance: Private health insurance covering your entire stay in Spain.
Criminal Record Certificate: Issued by the FBI for the past five years. To get an FBI criminal record check (Identity History Summary), you must submit a request with your fingerprints and fee to the FBI CJIS Division. You can apply electronically via the Electronic Departmental Order (EDO) or by mail. The process requires providing your fingerprints on a standard FD-258 form, completing an application form, and paying a fee. The FBI's EDO portal is a faster option, processing requests in about 15 days, while the mail option can take several weeks.
Application Form: Complete the corresponding visa application form EX-15 Check with the consulate or BLS for payment details, and the Tasa Modelo 790 038 form to pay the visa application fee if applying from Spain.
Application Process in the USA.
Schedule an Appointment:
Make an appointment at the Spanish embassy or consulate that serves your state.
To find the correct Spanish consulate for your state, search online for "Consulados de España en Estados Unidos" or visit the official website of the Spanish Ministry of Foreign Affairs (Ministerio de Asuntos Exteriores, Unión Europea y Cooperación) to find an official list of consulates and their respective consular districts by state.
Prepare Documentation:
Ensure you have all the documents ready and in the required format.
Pay the Application Fee: Check with the embassy or consulate for the current fee and accepted payment methods.
Submit the Application by attending the appointment and submitting all the documentation.
The Evaluation Process
Your documents will be reviewed by the authorities and In some cases, an interview may be required.
Decision and Visa Issuance. The process usually takes approximately three weeks.
At which time you will receive a notification of the decision. If approved, the DNV will be issued.
Upon arrival in Spain, you will receive your visa and must register at the Foreigners' Office in Spain to obtain your Foreigner Identification Card (TIE).
Then you will be required to register for the Census Registration otherwise known as the Padron, register at ayuntamiento, or the town hall, of your place of residence.
By following these steps, you can successfully apply for a Digital Nomad Visa and enjoy living and working in Spain.Explore the range of services we offer, including data analysis, market research, and trend forecasting. Find out how we can help your business succeed.

29 September 2025|Americans moving to Spain
Posted by Steven Grafflin expatspainlife.com 09/28/2025
As remote work becomes increasingly common across different parts of the world, you might be considering becoming a digital nomad. To support this lifestyle, Spain has introduced the Digital Nomad Visa (DNV), allowing remote workers to live in one of Europe’s culturally richest countries.
CAN I APPLY FOR THE SPANISH DNV FROM THE USA yet again the short answer is yes, you can apply for the Spanish Digital Nomad Visa (DNV) from the USA by submitting your application at a Spanish consulate or through BLS. You should apply for the NIE at the same time as you apply for the DNV.
US citizens are eligible as non-EU/EEA citizens and can apply at the Spanish embassy or consulate in the US. You can also enter Spain as a tourist and apply for the residency permit from within the country before your 90-day stay expires.
Updated: May 19th, 2025:
As of April 2025, there are now confirmed cases where U.S. W2 employees have been approved for the Spain Digital Nomad Visa (DNV). While this is a significant and exciting development, it’s important to note that approvals for W2 employees are still not 100% guaranteed, and the immigration office may change its stance at any time.
For U.S. nationals who are freelancers or business owners (1099 contractors), the application process remains straightforward.
Obtaining the DNV is straightforward if you want to work from the Iberian Peninsula, but it’s important to follow a specific procedure. Here are the 6 steps to apply for a DNV for Spain.
Preliminary Requirements:
Before starting the application process, ensure you meet the following requirements:
You must work for a non Spanish foreign company or be a freelancer providing services to non Spanish foreign clients.
The DNV is exclusively for non-EU applicants.
You must have sufficient and provide proof of income to support you, and your family if they're coming with you:
To demonstrate sufficient income to support yourself while living in Spain use the following rules.
For a Single Applicant: €2,762.66 per month (twice the monthly Spanish national minimum wage of €1,184).
How to Calculate Your Total Monthly Income
Key Considerations
Required Documentation Gather the following documents:
Valid Passport: Ensure your passport is valid for at least one year and has 2 pages clean of any stamps.
Proof of Remote Employment: Work contract with a foreign company or proof of your freelance activities.
Proof of Income: Bank statements or tax documents showing your income.
Health Insurance: Private health insurance covering your entire stay in Spain.
Criminal Record Certificate: Issued by the FBI for the past five years. To get an FBI criminal record check (Identity History Summary), you must submit a request with your fingerprints and fee to the FBI CJIS Division. You can apply electronically via the Electronic Departmental Order (EDO) or by mail. The process requires providing your fingerprints on a standard FD-258 form, completing an application form, and paying a fee. The FBI's EDO portal is a faster option, processing requests in about 15 days, while the mail option can take several weeks.
Application Form: Complete the corresponding visa application form EX-15 Check with the consulate or BLS for payment details, and the Tasa Modelo 790 038 form to pay the visa application fee if applying from Spain.
Application Process in the USA.
Schedule an Appointment:
Make an appointment at the Spanish embassy or consulate that serves your state.
To find the correct Spanish consulate for your state, search online for "Consulados de España en Estados Unidos" or visit the official website of the Spanish Ministry of Foreign Affairs (Ministerio de Asuntos Exteriores, Unión Europea y Cooperación) to find an official list of consulates and their respective consular districts by state.
Prepare Documentation:
Ensure you have all the documents ready and in the required format.
Pay the Application Fee: Check with the embassy or consulate for the current fee and accepted payment methods.
Submit the Application by attending the appointment and submitting all the documentation.
The Evaluation Process
Your documents will be reviewed by the authorities and In some cases, an interview may be required.
Decision and Visa Issuance. The process usually takes approximately three weeks.
At which time you will receive a notification of the decision. If approved, the DNV will be issued.
Upon arrival in Spain, you will receive your visa and must register at the Foreigners' Office in Spain to obtain your Foreigner Identification Card (TIE).
Then you will be required to register for the Census Registration otherwise known as the Padron, register at ayuntamiento, or the town hall, of your place of residence.
By following these steps, you can successfully apply for a Digital Nomad Visa and enjoy living and working in Spain.Explore the range of services we offer, including data analysis, market research, and trend forecasting. Find out how we can help your business succeed.

If your moving to Spain as an Expat from the USA you will most likely need a visa, unless you have access to claiming a Spanish passport, I will cover this in another blog.
The visa required for Spain depends on the purpose purpose and duration of your trip. For short stays (under 90 days) there is no visa required. For stays longer than 90 days or specific purposes like studying or working, a different type of national visa is required.There are three basic visas which are the Non Lucrative (NLV), the Digital Nomad (DNV) of a Student Visa if you are intending to live in Spain.
The other option is you can stay for up to 90 days in 180 on a rolling pattern basis.So lets take them in order, first the NLV is for those of us that do not intend to work in Spain, you are probably retired and have enough savings to cover the financial requirements (You can find all the relevant information in either our blog about the NLV or on the visa page).
This visa can be exchanged to a Self Employed Visa or Entrepreneur Visa after 12 months if you see a business opportunity. The DNV is for those of us who intend to work in Spain to cover the financial requirements of doing so (You can find information about this in our blog or on the visas page). Spain launched its Digital Nomad Visa in early 2023 to attract international talent.
To qualify for the Spanish visa, applicants must demonstrate an ongoing professional relationship with a foreign company or clients, have a university degree or equivalent experience, and meet a minimum income requirement.The Student Visa is exactly what it says, you MUST be enrolled in full time education for the term of the visa at an accredited place of learning . You need to submit a completed visa application form, passport, proof of admission to an accredited institution, proof of sufficient financial means, and public or private health insurance to the Spanish consulate in your country of residence.
A digital nomad visa is a residence permit that enables non-EU citizens to legally live and work remotely from another country for a foreign employer or clients, rather than a local company.
For example, Spain launched its Digital Nomad Visa in early 2023 to attract international talent. To qualify for the Spanish visa, applicants must demonstrate an ongoing professional relationship with a foreign company or clients, have a university degree or equivalent experience, and meet a minimum income requirement. This visa offers long-term residency and can lead to permanent residency and even citizenship after several years of living in the country.
The Key Aspects of the Spanish Digital Nomad Visa:
Which Visa do I need22 September 2025|Americans moving to Spain about some of our recent projects and success stories, and learn how we have helped other businesses like yours achieve their goals.

While it is possible to make this change this is not a straight forward process, we would strongly recommend you to seek professional advice from an immigration professional.
Spain has become a top choice for remote workers and expatriates looking for a lively lifestyle and good living conditions. The country’s rich culture, pleasant weather, and well-developed infrastructure make it an attractive place for people who work remotely or want to stay long-term. It is possible for Americans living in Spain on a Non-Lucrative Visa (NLV) to switch to a Digital Nomad Visa (DNV). The transition, however, requires meeting specific eligibility criteria and following a prescribed application process. Both visas serve different purposes, so understanding the requirements and benefits of each is crucial for a successful switch.
Let's see what the main differences are between the two visas:
So perhaps you're not ready to retire but want to make the move from the USA to Spain. You have asked the question "CAN I CHANGE MY RESIDENCY STATUS IN SPAIN". The answer is yes, you can switch from a Digital Nomad Visa (DNV) to a Non-Lucrative Visa (NLV) while in Spain, as long as you can meet all the requirements for the NLV and are currently in the country with a valid residence permit.
The process involves applying for an in-country permit modification rather than a new application from abroad. You must provide all necessary documentation, such as proof of sufficient financial means, private health insurance, and clean criminal records.
Steps to switch from DNV to NLV
Key considerations
The visa required for Spain depends on the purpose purpose and duration of your trip. For short stays (under 90 days) there is no visa required. For stays longer than 90 days or specific purposes like studying or working, a different type of national visa is required.There are three basic visas which are the Non Lucrative (NLV), the Digital Nomad (DNV) of a Student Visa if you are intending to live in Spain.
The other option is you can stay for up to 90 days in 180 on a rolling pattern basis.So lets take them in order, first the NLV is for those of us that do not intend to work in Spain, you are probably retired and have enough savings to cover the financial requirements (You can find all the relevant information in either our blog about the NLV or on the visa page).
This visa can be exchanged to a Self Employed Visa or Entrepreneur Visa after 12 months if you see a business opportunity. The DNV is for those of us who intend to work in Spain to cover the financial requirements of doing so (You can find information about this in our blog or on the visas page). Spain launched its Digital Nomad Visa in early 2023 to attract international talent.
To qualify for the Spanish visa, applicants must demonstrate an ongoing professional relationship with a foreign company or clients, have a university degree or equivalent experience, and meet a minimum income requirement.The Student Visa is exactly what it says, you MUST be enrolled in full time education for the term of the visa at an accredited place of learning . You need to submit a completed visa application form, passport, proof of admission to an accredited institution, proof of sufficient financial means, and public or private health insurance to the Spanish consulate in your country of residence.
A digital nomad visa is a residence permit that enables non-EU citizens to legally live and work remotely from another country for a foreign employer or clients, rather than a local company.
For example, Spain launched its Digital Nomad Visa in early 2023 to attract international talent. To qualify for the Spanish visa, applicants must demonstrate an ongoing professional relationship with a foreign company or clients, have a university degree or equivalent experience, and meet a minimum income requirement. This visa offers long-term residency and can lead to permanent residency and even citizenship after several years of living in the country.
The Key Aspects of the Spanish Digital Nomad Visa:
Which Visa do I need22 September 2025|Americans moving to Spain about some of our recent projects and success stories, and learn how we have helped other businesses like yours achieve their goals.