France long-stay visa · proof of income
How to show consistent income for a France visa when you live off investments
If your money comes from a pension, this is easy — the same amount lands every month and consulates approve it quickly. If you live off investments, it's the single most common place strong-on-paper files get a closer look. The benchmark is the French net minimum wage (SMIC), €1,477.93/month as of June 2026 — but hitting the number isn't enough if it doesn't look regular. Here's how to fix that before you apply.
Five steps to make investment income read as consistent
Set a fixed monthly amount and automate it
Pick a set figure at or above the benchmark and schedule an automatic monthly distribution — from your 401(k)/IRA, brokerage or rental account — landing on a similar date each month. A standing order turns lumpy income into a pension-like pattern on paper.
Start 3–6 months before you apply
Consulates look at your recent months of statements, not a single transfer. Begin the monthly pattern early enough that, on the day you apply, you already have several months of matching deposits to show.
Pair the source document with bank statements
A portfolio or brokerage statement proves the money exists and where it comes from. Bank statements prove it actually reaches you. Consulates want both: the source and the flow.
Make every number agree
The figures in your cover letter, bank statements and application form should match to the euro. Convert to euros yourself and be consistent. Contradictions are a top reason for a closer review.
Translate what needs translating
Where the consulate requires it, use a sworn (certified) translator for statements and letters. A clean, officially translated file is easier to approve than one the officer has to interpret.
France doesn't publish a single official figure, and requirements vary by consulate and by case — treat this as how the practice generally works, not a guarantee.
The mistake to avoid
Don't move a large sum into your account right before applying and hope the balance speaks for itself. A one-time top-up reads as exactly that. Consulates are checking whether your income will hold for the whole stay — a few months of steady, documented deposits says that far better than a big number on a single statement. More on 401(k)/IRA income specifically →
Check your numbers first
Run the free readiness check: enter your income type and amount and see where you land against the 2026 consulate benchmark — 60 seconds, no email required.
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A focused pack for applicants living on 401(k)/IRA withdrawals, dividends and investment income: a withdrawal-schedule letter template, a statement-presentation checklist, sworn-translation guidance, and bank-statement requirements by consulate. Join the list to get it first, at the early-access price.
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