Are you dreaming of embracing the digital nomad lifestyle, traveling the world, and working remotely—but struggling with inconsistent income? Good news: you don’t need a stable monthly income to qualify for a digital nomad visa in some countries.
Yes, you read that right. Several countries now offer digital nomad visas that focus on your overall financial stability rather than monthly earnings. Whether you’re a freelancer, gig worker, or entrepreneur with fluctuating income, this guide is for you.
In this article, you’ll discover:
- Six countries offering digital nomad visas without monthly income requirements
- Eligibility criteria and financial proof needed
- Key benefits of each visa
- Practical tips to get started
Let’s dive in!
What Is a Digital Nomad Visa?
A digital nomad visa allows remote workers to legally live and work in a foreign country for an extended period—typically 6 months to 2 years. Unlike tourist visas, digital nomad visas often provide:
- Legal status to work remotely for foreign clients
- The ability to open bank accounts or rent apartments long-term
- Tax benefits or exemptions depending on the country
Most digital nomad visas require applicants to show proof of income to ensure they can support themselves. However, some countries are more flexible, focusing on savings or financial self-sufficiency instead.
6 Digital Nomad Visas That Don’t Require a Monthly Income
1. Brazil’s Digital Nomad Visa
- Duration: Up to 2 years
- Family Inclusion: Yes
- Financial Requirement: Show at least $18,000 USD in your bank account
Brazil offers an exciting option for digital nomads who prefer flexibility. Instead of monthly income proof, you only need to demonstrate sufficient savings.
Imagine working from Rio de Janeiro’s beaches or the vibrant city of São Paulo, all without the stress of monthly income thresholds. Plus, Brazil’s diverse culture, affordable cost of living, and stunning natural beauty make it an irresistible destination.
2. Bermuda Welcome Stamp
- Duration: 12 months
- Family Inclusion: Yes (including university students)
- Financial Requirement: No minimum income—just prove you can support yourself
Bermuda’s Welcome Stamp is perfect for remote workers who crave island life. There’s no strict income requirement. You simply need to show that you can sustain your lifestyle while living in Bermuda.
Think crystal-clear waters, pink sand beaches, and a relaxed island vibe—without the financial paperwork headaches.
3. Cape Verde Remote Working Program
- Duration: 6 months (renewable)
- Family Inclusion: Yes
- Financial Requirement:
- €1,500 in savings for individuals (held for the past 6 months)
- €2,700 for families
Located off the coast of West Africa, Cape Verde offers a peaceful, tropical escape with year-round sunshine. The visa focuses on savings history, making it ideal for freelancers and entrepreneurs with irregular income streams.
Cape Verde’s low cost of living, friendly locals, and scenic beauty are huge draws for nomads looking to escape the hustle.
4. Croatia Digital Nomad Visa
- Duration: 1 year (non-renewable)
- Family Inclusion: Yes
- Financial Requirement: €34,440 in savings (held for the last 12 months)
Croatia stands out as the only European country offering a digital nomad visa without a monthly income requirement. Instead, applicants must prove they’ve maintained substantial savings.
Picture yourself working from Dubrovnik’s ancient city walls, enjoying breathtaking views of the Adriatic Sea, or savoring Croatian cuisine in Split—all with the security of a legal visa.
5. Curaçao @Home Program
- Duration: 6 months (extendable to 1 year)
- Family Inclusion: Yes
- Financial Requirement: No specific income or savings requirement
Curaçao, a Dutch Caribbean island, offers one of the most accessible digital nomad visas. You don’t need to show a minimum income or savings. Just prove you can support yourself while living there.
Imagine starting your day with a swim in turquoise waters, then working from a beachfront café. Curaçao’s laid-back atmosphere and vibrant culture are perfect for creatives and remote workers alike.
6. Uruguay Digital Nomad Visa
- Duration: 6–12 months (renewable)
- Family Inclusion: No (each family member applies individually)
- Financial Requirement: No minimum income required
Uruguay is known for its stability, safety, and high quality of life. Unlike other visas, Uruguay doesn’t ask for proof of income or savings. However, you must demonstrate that you can financially sustain yourself during your stay.
With charming cities like Montevideo, stunning beaches, and a relaxed lifestyle, Uruguay is a hidden gem for remote workers.
Quick Comparison Table
| Country | Visa Duration | Family Inclusion | Financial Requirement |
|---|---|---|---|
| Brazil | Up to 2 years | Yes | $18,000 in savings |
| Bermuda | 12 months | Yes | Prove self-sufficiency (no set amount) |
| Cape Verde | 6 months (renewable) | Yes | €1,500 (individual), €2,700 (family) |
| Croatia | 1 year (non-renewable) | Yes | €34,440 in savings |
| Curaçao | 6–12 months | Yes | Prove self-sufficiency |
| Uruguay | 6–12 months | No | Prove self-sufficiency |
Key Takeaways
- Inconsistent income isn’t a dealbreaker. Many countries focus on savings or self-sufficiency instead of monthly paychecks.
- Family-friendly options exist. Brazil, Bermuda, Cape Verde, Croatia, and Curaçao allow family inclusion.
- Flexible durations. From 6 months to 2 years, you can choose a visa that fits your lifestyle.
- Budget wisely. Even if there’s no income requirement, countries will expect you to prove you can support yourself.
Frequently Asked Questions (FAQs)
❓ Can I work for local companies with a digital nomad visa?
No, digital nomad visas typically allow you to work remotely for foreign clients or companies, not for local employers.
❓ Do I need health insurance to apply?
Yes, most countries require proof of valid health insurance that covers your stay.
❓ What happens if my visa expires?
You’ll need to leave the country or apply for an extension (if available). Overstaying can lead to fines or legal issues.
❓ Are digital nomad visas tax-free?
It depends on the country. Some offer tax exemptions for foreign income, while others might tax you after a certain period. Check the specific tax regulations before applying.
Ready to Apply?
Choosing the right digital nomad visa can feel overwhelming, but the key is to match your financial situation with the visa requirements. If you have inconsistent income but solid savings—or can prove self-sufficiency—these visas offer a path to global freedom without the paperwork stress.
For more in-depth guides on digital nomad visas, check out Nomads Embassy for expert tips and the latest updates.
Happy Nomading! 🌍✈️
