Austria · Residence · Financially independent

Austria residence permit for the financially independent

An Austrian residence permit for people who live on their own income and do not intend to work in the country: pensions, dividends, rental and capital income. No investment, but an annual quota by province, proven regular income, housing, insurance and A1 German. It suits a family that is genuinely moving to Austria, and it is residence, not citizenship: the Indian passport stays.

Facts verified October 9, 2026 against official sources · Sources

Conditions in brief

Facts verified October 9, 2026 against official sources · Sources

Legal basis
Section 44 NAGSettlement and Residence Act (Niederlassungs- und Aufenthaltsgesetz): a permit for third-country nationals who settle in Austria without gainful activity
Income requirement
from EUR 2,616.78 a monthtwice the 2026 standard rates under Section 293 ASVG; a couple EUR 4,128.24, plus EUR 403.76 per child. Regular own income: pensions, profits of companies abroad, capital income, savings
Quota
Cappedthe number of permits per year is set by a government regulation (Niederlassungsverordnung). No new regulation has been issued for 2026, so NLV 2025 applies with a cap of 1/12 of the annual number per month
Work
Not allowedneither employment nor self-employment; the Lower Austria authorities state explicitly that remote work for a foreign company is not permitted either
  • The permit for the financially independent is the 'Niederlassungsbewilligung – ausgenommen Erwerbstätigkeit' under Section 44 of the Settlement and Residence Act (NAG). It allows settlement in Austria without any gainful activity and is granted to third-country nationals, including Indian citizens, when a place is available in the annual quota.
  • The minimum regular income in 2026 is twice the Section 293 ASVG standard rate: EUR 2,616.78 a month per applicant, EUR 4,128.24 for a married couple, plus EUR 403.76 for each child. Rent, loan repayments and maintenance payments reduce the income that counts.
  • The government sets the quota by regulation each year. No regulation has been issued for 2026, so NLV 2025 applies: 385 places nationwide, 130 of them in Vienna, with no more than 1/12 of the annual number granted per month. In Lower Austria places go in order of receipt at the start of the year, with no waiting list.
  • The first application needs an A1 German certificate no older than 1 year, plus housing, insurance covering all risks and a police certificate. The authority must decide within 6 months at the latest.
  • The first permit is for 1 year; after Module 1 of the Integration Agreement (A2) and 2 years of residence it is issued for 3 years. After 5 years with B1 German comes permanent 'Daueraufenthalt – EU' status, and after 10 years the right to apply for citizenship, which requires giving up the previous one.

What you get

No investment

No property purchase, no fund subscription, no company to set up. The requirement is proven regular income and the intention to live in Austria.

Travel across Schengen

With an Austrian residence permit you enter other Schengen countries without a visa and may stay up to 90 days in any 180 — a practical change for Indian passport holders who otherwise need a Schengen visa for every trip.

One status for the family

A spouse or registered partner and minor children receive the same permit. The income threshold rises by a fixed amount for each.

Path to permanent status

After 5 years of continuous residence and B1 German you can obtain 'Daueraufenthalt – EU': a 5-year document with free access to the labour market.

Residence, not citizenship

The family builds a European base while keeping Indian passports. Citizenship is a separate decision ten years away, and it would mean giving up the Indian passport.

Predictable rules

Income rates are published each year, quotas by government regulation, and the decision period is capped by law. You can calculate the threshold and plan the filing in advance.

Official requirements

Facts verified October 9, 2026

Regular own income
EUR 2,616.78 a month per applicant, EUR 4,128.24 for a married couple or registered partners, plus EUR 403.76 for each child (2026). Pensions, profits of companies abroad, capital income, savings and shareholdings qualify. Social benefits that would only arise once the permit is granted do not count.
Regular expenses reduce income
Rent, loan repayments, garnishments and maintenance paid to people outside the household are deducted from income (Section 11(5) NAG). Only a small amount set by Section 292 ASVG is disregarded. A family renting in Vienna therefore needs more than the table rate.
A quota place
The permit is granted only if the quota of the province where you will live has a free place. Family members take places from the same quota.
A1 German
An A1 certificate from ÖSD, the Goethe-Institut, telc or the Austrian Integration Fund (ÖIF), no older than 1 year when submitted. Not required for children under 14, or for those who declare in writing that they will not stay longer than 24 months within 3 years and waive further permits after the first renewal.
Housing to local standards
A legal title to accommodation suitable for the family size: a lease or sublease, a preliminary contract or ownership. Lower Austria also asks for a floor plan with the address.
Health insurance
Cover for all risks that pays out in Austria. A travel policy with limits does not qualify.
Police certificate
From the country of nationality or previous habitual residence, and from any other country where you lived for more than 6 months. Recommended to be no older than 3 months, apostilled or legalised and translated into German.
No work in Austria
Any gainful activity is prohibited, including self-employment. If you run a business every day, this permit is probably not the right one and another route is needed.

Government fees and timelines

Application fee for a temporary permitEUR 218
per applicant; migration.gv.at
Fee for 'Daueraufenthalt – EU'EUR 275
when moving to permanent status after 5 years
Income to prove (applicant)from EUR 2,616.78 a month
couple EUR 4,128.24, plus EUR 403.76 per child; a threshold, not a payment
Authority decisionup to 6 months
statutory maximum from receipt of the application
A1 certificateexam centre fee
no older than 1 year when submitted

How the process works

  1. Assessment and route choice1–2 days

    We review income sources and expenses, family composition, business role and police record. We decide whether the permit for the financially independent fits or another route is needed, and in which province to file.

  2. A1 German and documentswhen ready

    A1 certificates for adults, police certificates, birth and marriage certificates apostilled and translated into German, insurance, proof of income and regular expenses, housing contract.

  3. Filingearly in the year

    The first application goes to the Austrian embassy or consulate responsible for your place of residence — for applicants living in India, the Austrian Embassy in New Delhi; for UAE residents, the embassy in Abu Dhabi. The decision is awaited abroad.

  4. Reviewup to 6 months

    The embassy checks completeness and forwards the file to the provincial authority: MA 35 in Vienna, the provincial government office in Lower Austria. The decision is due within 6 months of receipt; we answer requests at once.

  5. Entry and cardafter approval

    You enter Austria, register your address and collect the residence card. The first permit is for 1 year.

  6. Living in status and renewal1 + 3 years

    Within 2 years you pass Module 1 of the Integration Agreement (A2), otherwise renewal is at risk. We renew before expiry while income, housing and insurance are maintained; after Module 1 and 2 years of residence, for 3 years.

How people actually use it

The official conditions are set out above. Below is how the permit works in real life, based on our cases.

Not only money

Means are not the whole test: the annual quota, housing, insurance and German matter as much. The baseline language level at first filing is A1, unless an exemption applies.

An old quota figure is not a guide

Quota places are allocated under set rules at the start of each year, so preparation should begin well in advance. A quota figure from discussions several years ago cannot be used as the 2026 number.

For a family that is really moving

We consider this route for a family that genuinely wants to live in Austria and understands the work restrictions.

Company, dividends and management are different

Owning a company, receiving dividends and managing a business day to day are different situations; they must be separated before filing — a distinction that matters for the Indian business families who most often ask about this permit.

Andrey Boyko

Austria's residence permit for the financially independent suits those who can live without taking up employment in the country. What matters is not only means but also the annual quota, housing, insurance and German: the baseline language level at first filing is A1, unless an exemption applies.

Quota places are allocated under set rules at the start of each year, so preparation should begin well in advance. A quota figure from discussions several years ago cannot be used as the 2026 number.

We consider this route for a family that genuinely wants to live in Austria and understands the work restrictions. Owning a company, receiving dividends and managing a business day to day are different situations; they must be separated before filing — a distinction that matters for the Indian business families who most often ask about this permit. Its other advantage for them is structural: it is residence, not citizenship, so the Indian passport stays while the family builds a European base.

Andrey Boyko, Founder & Managing Partner · September 11, 2026

Who the programme is for

A permit for those who can live in Austria on their own means and do not plan to work there.

Retirees

You receive a state or private pension from your home country. A pension is the clearest form of regular income for the authority: the amounts and frequency are visible in the documents.

Owners of businesses outside Austria

Profits and dividends from companies abroad count as income. But owning a company, receiving dividends and running the business day to day are different situations — a distinction that matters for the Indian business families who most often ask about this permit. We separate them before filing, because you cannot work from Austria on this permit.

Rentiers and investors

Income from rent, securities, deposits and shareholdings. Savings also qualify if you show how they were accumulated.

Families relocating together

A spouse and minor children receive the same permit. The income threshold is calculated for the whole family, and each member needs a quota place.

Service packages

Our fee depends on the family composition and the province of filing. We send the quote in reply to your message.

Turnkey filing

Main applicant

  • Free preliminary audit: income sources, expenses, police record, refusal risks
  • Choice of province and authority, timed to the quota opening at the start of the year
  • Dossier: apostilled certificates with German translations, proof of income, insurance
  • Housing: checking the lease or purchase against the authority's requirements
  • Filing through the Austrian embassy, replies to requests, collecting the card

Fees of licensed local lawyers and authorised agents are charged separately at their rates

Request a quote

Turnkey filing + family

Applicant with spouse and children

  • Everything in the Turnkey filing package
  • Income threshold for the family, net of regular expenses
  • Dossier for each family member and simultaneous filing
  • A1 certificates for adults and the other parent's consent for the children
  • Renewals, Module 1 of the Integration Agreement and the move to a 3-year permit

Fees of licensed local lawyers and authorised agents are charged separately at their rates

Request a quote

Residence for the whole family: who can be included

For Garant IN the family is a core value: the permit for the financially independent is arranged for your relatives together with you or later under Section 46(5) NAG. Below are the 2026 conditions from the law and migration.gv.at, without generic phrases.

  • Spouse or registered partner

    A spouse or registered partner who is at least 21 on the day of filing (Section 2(1)(9) NAG). They receive the same permit without the right to work and take their own quota place. They need their own A1 certificate and a marriage certificate apostilled and translated into German; if either of you was married before, the divorce documents too.

  • Children

    Unmarried children who are minors on the day of filing, including adopted children and stepchildren. Children under 14 do not need an A1 certificate. If the other parent stays abroad: an order for sole custody or that parent's consent, apostilled and translated.

  • Parents and adult children

    They are not part of the 'core family' under the NAG, so reunification with you is not available to them. Parents and adult children can obtain the same permit only as applicants in their own right: with their own quota place, their own proven income from EUR 2,616.78 a month, housing, insurance and A1. For multi-generation Indian households this is the key limitation, and we will not promise otherwise.

  • Family income

    A couple needs EUR 4,128.24 a month, plus EUR 403.76 per child: a couple with one child EUR 4,532.00, with two EUR 4,935.76. Rent, loans and maintenance are deducted from income, so the real threshold is higher. The application fee is EUR 218 each. Every family member needs a quota place.

Filing is together with the main applicant or later; when filing separately, the quota must still have free places when the family applies. Garant IN's migration programme experts check each member's documents in advance to rule out a refusal for an individual applicant. Verified on 9 October 2026 against the NAG and migration.gv.at.

Garant IN

What we do that others will not

The permit's conditions are the same for everyone. The difference is whether you make it into the quota and whether your income survives scrutiny once real expenses are deducted.

  1. Filing as the quota opens

    Places go in order of receipt at the start of the year. We prepare the dossier in advance: the A1 certificate, police certificates, housing contract and proof of income must be ready by January.

  2. Income calculated net of expenses

    The table rate is only the starting point. We deduct rent, loans and maintenance, show the income your family actually needs and how to evidence savings so the authority accepts them.

  3. Business review before filing

    Owning a company, dividends and day-to-day management are different things. We establish whether your role could look like working from Austria and, if so, propose another route.

  4. Indian documents and remittances

    Police clearance and civil documents apostilled by the Ministry of External Affairs with German translations; income evidence from Indian pensions, dividends and deposits; transfers to Austria planned within LRS.

  5. Plan to PR and beyond

    Module 1 (A2) within 2 years, a 3-year permit, B1 by year five. We show how to keep the status at renewal and what naturalisation after 10 years would require, including giving up the previous nationality.

Wording pending approval.

What this permit is and who it suits

‘Residence for the financially independent’ is the everyday name. In law it is the ‘Niederlassungsbewilligung – ausgenommen Erwerbstätigkeit’: a settlement permit excluding gainful employment. It is not an investment programme: there is no contribution to the State and no property purchase is required. You need to show that you and your family will live in Austria on your own regular income without relying on social assistance.

The permit suits retirees, rentiers, investors and owners of businesses outside Austria who receive dividends but do not run the company day to day. The key limitation is that you cannot work in Austria, including remotely for a foreign company. The second is the quota: the number of these permits each year is small and split by province, so preparation starts several months before filing. For Indian families the structural advantage is that this is residence, not citizenship: the Indian passport stays.

It does not suit those who want to work in Austria or run a business from there, or those who expect to keep the permit without moving: renewal, the German language modules and the path to permanent status all require genuinely living in Austria.

What comes next

Renewal and a 3-year permit

The first permit is for 1 year. Renewal is filed before expiry while income, housing and insurance are maintained. Once Module 1 of the Integration Agreement (A2) is complete and you have lived in Austria for 2 continuous years, the permit is issued for 3 years.

Permanent status after 5 years

'Daueraufenthalt – EU' after 5 years of continuous right of residence, the general conditions and Module 2 (B1 German). The document is issued for 5 years and gives free access to the labour market; the application fee is EUR 275.

Citizenship after 10 years

Under Section 10 of the Citizenship Act: 10 years of lawful continuous residence, at least 5 of them settled. Austria requires you to give up your previous nationality where this is possible and reasonable, so for Indian citizens naturalisation means surrendering the Indian passport.

If you decide to work

This permit carries no right to work. If plans change, you switch to another permit on its own grounds; we choose it in advance so that your period of residence is not interrupted.

4 offices

Moscow, Dubai, New Delhi and Mumbai. Visit an office and see who is working with you.

Membership

  • Garant IN is a member of the Investment Migration Council (IMC), the Geneva-based international association of the investment migration industry. investmentmigration.org →

  • Garant IN is a member of CCI France Russie, the French Chamber of Commerce and Industry in Russia. ccifr.ru →

  • International migration consultancy since 2015.

Who files your application

Two levels of quality control: Garant IN's migration consulting and case management department runs a rigorous pre-application compliance screening (Pre-Due Diligence) and prepares the document package to 2026 requirements, while the application in Austria is prepared and filed together with licensed local lawyers and authorised agents. This is how we minimise the risk of refusal at the preparation stage, before the documents reach the government authority.

Frequently asked questions

Can I work on this permit, including remotely?

No. The 'Niederlassungsbewilligung – ausgenommen Erwerbstätigkeit' allows you to live in Austria without any gainful activity. The Lower Austria authorities state explicitly that remote work for a foreign company is not allowed either. Receiving a pension, dividends and capital income is fine; if you run a business every day, we work through your situation before filing.

What income is required in 2026?

Twice the Section 293 ASVG standard rate: EUR 2,616.78 a month per applicant, EUR 4,128.24 for a married couple or registered partners, plus EUR 403.76 for each child. The income must be regular and your own. Rent, loans and maintenance reduce the income that counts. The rates are revised each year, so we calculate them for the filing date.

Can savings be used as proof of income?

Yes, savings are expressly listed among the sources of means. Lower Austria asks you to show how you were able to accumulate them, for example through earlier work abroad, and for funds in a foreign currency a bank confirmation of the conversion into euros. The law does not fix how much savings is enough, so we do not promise a 'permit for a deposit' and calculate a margin for your case. Funds moved from India are planned within the LRS limit of USD 250,000 per person per financial year.

What is the quota and when should I apply?

The number of these permits per year is capped by a government regulation (Niederlassungsverordnung) for each province. No regulation has been issued for 2026, so under Section 13(7) NAG the NLV 2025 applies: 385 places nationwide (Vienna 130, Carinthia 45, Salzburg, Styria and Tyrol 40 each, Lower Austria and Vorarlberg 30 each, Upper Austria 25, Burgenland 5), and no more than 1/12 of that number may be granted per month. In Lower Austria places go in order of receipt at the start of the year, with no waiting list. The dossier should be ready before January.

Do I need to speak German?

Yes. The first application requires an A1 certificate from ÖSD, the Goethe-Institut, telc or ÖIF, no older than 1 year. Exceptions are children under 14, people whose health prevents it (with a report from a doctor appointed by the embassy) and those who declare in writing that they will stay no longer than 24 months within 3 years. After that: Module 1 of the Integration Agreement (A2) within 2 years and Module 2 (B1) for permanent status. Goethe-Institut (Max Mueller Bhavan) centres in India offer A1 exams.

Where do I file the application?

The first application is filed at the Austrian embassy or consulate responsible for your place of residence, and the decision is awaited abroad. Indian citizens need a visa for Austria, so they file from abroad: residents of India at the Austrian Embassy in New Delhi, UAE residents at the embassy in Abu Dhabi. Nationals of visa-exempt countries may file in Austria, but only while their visa-free stay lasts.

How long does the review take?

The authority must decide without undue delay and no later than 6 months after receiving the application. Add the time needed for documents and the A1 certificate. We do not promise a decision 'within a month'.

For how long is the permit issued and how is it renewed?

The first permit is for 1 year. Renewal is filed before expiry, and the conditions must still be met: income, housing, insurance. If you have passed Module 1 of the Integration Agreement (A2) and lived in Austria for 2 continuous years, the permit is issued for 3 years. Module 1 must be completed within 2 years; a 12-month extension can be granted on application.

When can I get permanent residence and citizenship?

After 5 years of continuous right of residence and Module 2 (B1 German): 'Daueraufenthalt – EU' for 5 years with free access to the labour market; the application fee is EUR 275. Citizenship comes after 10 years of lawful continuous residence, at least 5 of them settled, and requires giving up the previous nationality. India does not allow dual citizenship either, so for most Indian families the permit and later PR are the goal, not the Austrian passport.

What kind of housing qualifies?

Any accommodation to which you hold a legal title and which is suitable for your family by local standards: a lease, sublease, preliminary contract or ownership. Buying property is not required. Rent is deducted from income, so we choose the flat and calculate the threshold together.

I live in India or the UAE. Which documents are needed?

Passport, photo, birth certificate, police certificate (recommended no older than 3 months) from the country of nationality and from any country where you lived for more than 6 months, A1 certificate, housing contract, insurance, proof of income and regular expenses, and where relevant marriage and divorce certificates. Indian documents are apostilled by the Ministry of External Affairs; UAE documents are legalised through the UAE Ministry of Foreign Affairs. The authority may ask for German or English translations and certified copies.

What about taxes after moving to Austria?

Tax residence depends not on the type of permit but on living in Austria and having a home there, and then worldwide income has to be declared. Pensions, dividends and capital income are taxed differently and depend on the double taxation treaty between India and Austria. We run the tax calculation before filing, not after the move.

Can I include parents or adult children in an Austria financially independent permit application?

Not as family members. The NAG limits the family to a spouse or registered partner aged 21 or over and unmarried minor children. Parents and adult children can apply for the same permit as applicants in their own right: with their own quota place and their own income from EUR 2,616.78 a month, housing, insurance and an A1 certificate.

How does the income threshold change when applying with a family in Austria?

For a married couple the 2026 rate is EUR 4,128.24 a month, plus EUR 403.76 for each child. A couple with two children needs EUR 4,935.76 a month. Regular expenses such as rent, loans and maintenance are deducted from income, so a renting family needs more than the table rate.

Do you offer a refund if the application is refused?

Yes. If the application is refused through the fault of our team or an error in building the case, we refund the company's service fee less a minimal retention for costs actually incurred. Refund terms, the payment schedule and the rules on retaining service costs are fixed in the contract before work begins. Before we start, we check your documents and risk history free of charge and tell you about any risks in advance.

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