At a glance
If you can support yourself without working in Andorra, its residence without work route may suit you. You need housing, income, private coverage, clean records, and a substantial qualifying investment or another basis allowed by law. You must also spend the required time living in Andorra.
- Time in Andorra
- At least 90 days each calendar year
- Government payments
- Non-refundable after approval: €50,000 for the main applicant and €12,000 per dependent
- Investment
- €1,000,000 generally; €400,000 through the qualifying Housing Fund option
Summary
Andorra's residence without work is for people who can live in Andorra without working there. It requires real housing, private coverage, sufficient income, a minimum annual presence, and a substantial Andorran investment or qualifying housing-fund contribution.
Under the 2026 rules, the general investment minimum is €1,000,000, or €400,000 through the qualifying Housing Fund option. The government payments are non-refundable after approval. The investment must be maintained, and the route does not authorize work in Andorra.
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Confirm the category and quota Check that the proposed stay involves no professional activity in Andorra.
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Select the applicable investment basis Verify eligible assets, funding, and any completion deadline for that route.
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Prepare your residence application Document income, housing, private coverage, and the required personal records.
The investment does not replace the residence and support requirements. This is not a remote-work authorization.
Eligibility
You may be a fit if:
- You want residence in Andorra but do not need to work there.
- You can spend at least 90 days per calendar year in Andorra.
- You can show housing in Andorra or a qualifying path to housing.
- You can show annual income above 300% of Andorra's current annual minimum wage for the main applicant, plus 100% of that annual minimum wage for each dependent. Andorra lists pension certificates, income-tax returns, and bank certificates as examples of proof.
- You can maintain private coverage valid in Andorra for illness, incapacity, and old age for yourself and any dependents. Minors and people over 60 are generally asked for illness coverage.
- You can make the required Andorran investment and non-refundable government payments under current law.
- You can provide criminal-record certificates and complete the medical review.
Current investment rules
Law 2/2026, in force since February 13, 2026, sets the general investment at at least €1,000,000, held permanently and effectively in one or more permitted Andorran assets. The listed assets include Andorran real estate, qualifying interests in Andorran companies, Andorran public debt, life-insurance products with resident entities, and non-interest-bearing deposits with the Andorran Financial Authority. Certain debt instruments, financial instruments and Andorran collective-investment funds may count for no more than 36 months before the investment is moved into another permitted asset.
There are important special rules:
- the investment amount is reduced to €400,000 if the money is invested permanently and effectively, directly or indirectly, in the Housing Fund under the applicable rules;
- if the general investment is made partly or wholly in real estate, more than €800,000 must be allocated to each property unit acquired;
- the main applicant must also pay €50,000, plus €12,000 for each dependent who obtains this status, to the Andorran Financial Authority; after approval these payments are final and non-refundable; and
- the applicant commits at filing to complete the qualifying investment within six months. The law permits a further six months only where force majeure or a third party prevented completion. Failure to provide the required investment evidence can cancel the residence authorization.
These amounts are separate from property taxes, transaction costs, insurance, housing and living expenses.
What This Route Allows
This route can let a financially self-supporting person reside in Andorra without working there. It is mainly for people who can make and maintain the required investment, make the separate non-refundable payments, maintain private coverage, and spend at least 90 days per calendar year in Andorra.
What This Route Is Not
This is not a work, business, or digital nomad authorization. It also is not a lightweight retirement route. The €50,000 principal-applicant payment and €12,000 dependent payments are not refundable after approval, and most qualifying investments must be maintained rather than merely shown once. The Housing Fund alternative is a qualifying investment, not a simple fee or donation.
Next Steps
- Confirm that this no-work category fits your plans and check whether a residence quota is open before making financial commitments.
- Decide whether the investment will use the €1,000,000 general route or the €400,000 Housing Fund route. For the general route, confirm that every proposed asset qualifies and whether the 36-month limit applies.
- Prepare evidence of sufficient annual resources.
- Arrange housing and private coverage valid in Andorra.
- Collect criminal-record certificates, birth, marriage, and other family documents, and medical documentation.
- Budget separately for the non-refundable €50,000 principal-applicant payment and €12,000 per dependent, as well as taxes and transaction costs.
- Keep evidence that the investment was completed within the period required by law and continues to meet the rules.
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Sources
- Govern d'Andorra — D.1 Residencia sense treball
- Portal Jurídic d'Andorra — consolidated immigration law
- Portal Jurídic d'Andorra — Law 2/2026 — current €1,000,000 general investment, €400,000 Housing Fund alternative, per-property rule, non-refundable payments and completion deadline.