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Most calculators cover one programme. Ours covers all 30 active programmes worldwide, with full 5-year fee breakdowns including the government fees, legal, due diligence, translation, travel, insurance, and renewal costs that other calculators hide. Change any input and the numbers update live; share the URL to preserve your scenario.
Quick answer
The WhereNext Golden Visa Cost Calculator computes the full 5-year cost of any active residency-by-investment programme across all 30 active routes worldwide — Portugal Golden Visa (post-2024), Greece (€800K prime / €400K rest), Italy Investor, Malta MPRP, Hungary fund (€250K), UAE Golden Visa, USCIS EB-5, Singapore GIP, and Caribbean CBI. Most competitor calculators show only investment minimum + government fee. Ours adds: due diligence ($5–25K per applicant), legal ($10–35K), translation/notarisation/apostille ($1–5K), travel & site-visits ($3–10K), property tax / fund-management fees, insurance, annual renewal fees, AND expected investment return (positive offset for funds, drag for non-yielding bonds). Family size multiplies due-diligence + most fees.
Key facts
From €0 to €200K minimum investment. Green bars include Schengen access AND an EU citizenship pathway; amber bars have one of the two; grey bars have neither.
Verified · WhereNext Golden Visa Index
| # | Programme | Min. investment | Pathway | Schengen | Cit. yrs |
|---|---|---|---|---|---|
| 1 | 🇦🇺 Australia NIV | €0 (~$0) | Residency only | No | 4 yr |
| 2 | 🇲🇺 Mauritius Residence | €46K (~$50K) | Residency only | No | 7 yr |
| 3 | 🇱🇻 Latvia Golden Visa | €60K (~$65K) | EU citizenship | Yes | 10 yr |
| 4 | 🇸🇹 São Tomé CBI | €83K (~$90K) | Residency only | No | — |
| 5 | 🇳🇷 Nauru CBI | €97K (~$105K) | Residency only | No | — |
| 6 | 🇲🇹 Malta MPRP | €114K (~$123K) | EU citizenship | Yes | 5 yr |
| 7 | 🇻🇺 Vanuatu CBI | €120K (~$130K) | Residency only | No | — |
| 8 | 🇩🇲 Dominica CBI | €184K (~$199K) | Residency only | No | — |
| 9 | 🇬🇩 Grenada CBI | €184K (~$199K) | Residency only | Yes | — |
| 10 | 🇦🇬 Antigua CBI | €184K (~$199K) | Residency only | Yes | — |
| 11 | 🇵🇹 Portugal Golden Visa | €200K (~$216K) | EU citizenship | Yes | 10 yr |
| 12 | 🇲🇰 N. Macedonia CBI | €200K (~$216K) | Residency only | Yes | — |
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The headline investment amount (for example, Portugal’s €500,000 fund threshold or UAE’s AED 2,000,000 property requirement) is only one line in the total. Real 5-year cost includes government/application fees, due-diligence fees, immigration lawyer fees (typically €5,000–€30,000 depending on programme tier), translation and apostille, per-renewal fees, private health insurance, travel to meet physical-presence requirements, and pre-relocation tax advisory. Hidden fees commonly add 15–25% to the investment amount. Our calculator itemises each line so nothing is surprise-added at invoice time.
Donation routes (Portugal’s €200K cultural donation, Caribbean CBI contributions, Nauru’s climate-resilience fund) are non-refundable by design. The capital is a donation, not an investment. In contrast, fund routes (Portugal €500K, Hungary €250K, Latvia €250K bonds) allow projected returns — our calculator lets you model scenarios from 0% to 10% annual return and shows the net 5-year cost after compound growth.
Model it yourself with the calculator — the answer depends on your return assumptions. In general: Hungary GIVP fund route at €250K produces the lowest all-in cost for families seeking EU access (fund returns offset most fees). Portugal’s €200K cultural donation is the cheapest EU entry with zero return assumptions. Latvia’s €60K company-equity route is the absolute lowest cost if you have a genuine Latvian business operation. Caribbean CBI programmes start at ~€184K ($200K) for direct citizenship but add substantial family fees.