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Portus Research / October 2026 / English edition

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The household economics of Portugal's ARI route

8 minute analysis / 13 source references

Azulejo tiled house facades on Rua da Fábrica in Porto, Portugal
Tiled houses, Porto - Photo: Gerda Arendt / CC0 1.0. Cropped for layout.

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58.3%

Family share of permits

2024 investor and linked-family grants; Portus calculation from AIMA.

€58,104

Four-person public charges

Illustrative five-year temporary-permit budget at frozen 2026 digital rates.

7 / 10 років

General adult naturalisation rule

Nationality determines the seven- or ten-year residence test. Special statutory routes have different tests.

The research thesis

The €500,000 threshold is only the starting point. A sound ARI decision reconciles the investment, the household's cash budget and several legal clocks that no longer end together.

A research report on Portugal's investment residence route, combining verified public statistics with a household cash model, currency sensitivities and the current legal timeline.

Inside the report

  1. 01The shift away from property
  2. 02Why the household budget matters
  3. 03Beyond the €500,000 threshold
  4. 04Investment and residence clocks
  5. 05Currency and liquidity sensitivities
  6. 06The household investment memo