Country list · Residence Policy Index

Residency without a job offer: where you can live and work for yourself

In short: of the 97 countries we track, 24 realistically let you get residency without a local employer and work for yourself, 10 of them in Europe. In another 20 there is a route, but the bar is high: capital, a business plan, an expert panel or a quota. In 22 countries you can only work remotely for foreign clients without an employer, in 10 you can live on your own income without the right to work, and in 21 there is no route at all.

24countries with a working route
10of them in Europe
22remote work only
21countries with no route
A working route

Where you can get residency without an employer

You apply yourself, with no large capital, quota or expert panel; the income threshold, if there is one, is no higher than about €3,000 a month. The local work field shows whether you can take on local clients. Within each group, countries are in alphabetical order.

Europe · 10

Albania

Single permit (Leje Unike) as a digital mobile worker
Other routes
Self-employment or your own business: 0% income tax on turnover up to 14 million lek until the end of 2029
Income or capital
The law sets no fixed income threshold
Term
Term not stated; renewable, with the application filed 60 days ahead
Local work
Yes, as self-employed or with your own business; the digital worker ground is for foreign clients
Note
You apply fully online via e-Albania and get a provisional permit the same day; permanent residence after 5 years
Moving to Albania · 1st of 97 →

Bosnia and Herzegovina

Residence as the founder of your own company
Other routes
Residence through property: only in exceptional cases and with no right to work
Local work
Yes: in your own company, with no work permit, quota or labour market test
Note
Years on this permit count towards the 5 years for permanent residence; there is no remote work visa
Moving to Bosnia and Herzegovina · 49th of 97 →

Bulgaria

Digital nomad visa (since 20 December 2025)
Other routes
A freelance route
Income or capital
About €31,000 a year (≈€2,583 a month)
Term
One year, renewable once for another year
Note
Issuing practice is still taking shape; without an employer the route costs more than the main one
Moving to Bulgaria · 10th of 97 →

France

Entrepreneur or liberal profession status
Other routes
Talent card for founding a business
Local work
Yes: working for yourself as an entrepreneur or liberal professional
Note
A real route, but hard going; France has no digital nomad visa
Moving to France · 38th of 97 →

Germany

Freelancer visa (§ 21 of the Residence Act)
Other routes
Opportunity Card (Chancenkarte): a points-based visa to look for work for up to 12 months
Local work
Yes: working for yourself as a freelancer
Note
Granted, but with bureaucratic friction; there is no digital nomad visa
Moving to Germany · 50th of 97 →

Italy

Digital nomad visa (since 2024)
Other routes
Elective residence for the financially independent, with no right to work; the self-employment quota is nearly closed
Income or capital
From €24,789 a year, plus a degree or qualification and 6 months of remote work experience
Note
Processing takes up to 4 months, and practice depends heavily on the consulate
Moving to Italy · 75th of 97 →

Portugal

D2 visa for entrepreneurs and freelancers
Other routes
D8 digital nomad visa
Income or capital
Not stated for D2; from €3,680 a month for D8
Local work
Yes: D2 is meant for your own business and freelancing
Note
Both visas work, D8 is issued at scale; permanent residence after 5 years, citizenship now after 10
Moving to Portugal · 47th of 97 →

Serbia

Your own sole trader business (preduzetnik) or the ground of remote work for a foreign client
Other routes
Study, property with no minimum value
Income or capital
No fixed threshold
Term
Up to 3 years, renewable
Local work
Yes: a sole trader can also serve local clients
Note
Permanent residence after 3 years; banks ask for proof of ties to Serbia: a permit, a business or property
Moving to Serbia · 20th of 97 →

Spain

International telework permit (digital nomad visa)
Other routes
Ordinary self-employment (cuenta propia)
Income or capital
€2,849 a month: 200% of the 2026 minimum wage
Term
Three years straight away when applying from inside Spain, renewable
Local work
No: income must come from an employer or clients outside Spain
Note
Since 2026 permits are re-checked after issue and ended if you are not registered for social security
Moving to Spain · 32nd of 97 →

Rest of the world · 14

Armenia

Sole trader registration and a residence permit on the ground of business activity
Other routes
Investment in a company's share capital from AMD 2 million (≈$5,200)
Income or capital
From 1 November 2026, turnover or an account balance of AMD 1 million (about $2,600)
Term
The temporary permit is renewed yearly; permanent after 3 years
Local work
Yes: you work through your own sole-trader business
Note
From November 2026 there are annual permit quotas; status is withdrawn if the business is idle for over 180 days
Moving to Armenia · 24th of 97 →

Belize

Work permit in the self-employed category: you apply yourself
Other routes
Monthly visitor's permit and the retirement programme from age 40, neither allows work
Income or capital
No income threshold; fee of BZ$3,000 (≈$1,500) a year, BZ$2,000 in agriculture
Term
1 year, renewable
Local work
Yes: you work for yourself in Belize
Note
You must already be in Belize to apply; permanent residence is open after one year in the country
Moving to Belize · 62nd of 97 →

Brazil

VITEM XIV digital nomad visa
Other routes
Investment from R$500,000, with active business required since 2025
Income or capital
$1,500 a month from a foreign employer or clients, or $18,000 in savings
Term
1 year plus a 1-year renewal, then a switch to another ground
Local work
Not stated; the income must come from abroad
Note
The visa does not convert to permanent residence: after 2 years you switch grounds, about 4 years in all
Moving to Brazil · 7th of 97 →

Ecuador

Temporary residence on a degree (professional visa)
Other routes
Rentista with passive income from $1,446 a month, remote worker visa, investor, retiree
Income or capital
From $482 a month, with the degree registered with SENESCYT
Term
2 years; permanent residence can be requested after 21 months
Local work
Yes: temporary residents may work
Note
Applications are online only, through E-Visa; with apostilles the whole process takes 6-8 months
Moving to Ecuador · 9th of 97 →

El Salvador

Digital nomad visa (since April 2025)
Other routes
Rentista and pensioner statuses (no right to work), an investment of about $1.45 million
Income or capital
$1,460 a month
Local work
No: foreign income only
Note
Paid work in the country without a permit cancels residence; a nomad's foreign income is tax-exempt
Moving to El Salvador · 40th of 97 →

Georgia

Work authorisation for the self-employed plus a work residence permit
Other routes
Property from $150,000; investment from $300,000
Income or capital
Income of 5 subsistence minimums (≈1,273 lari, about $470 a month), turnover of 50,000 lari a year
Term
Renewed every year; permanent residence after 10 years
Local work
Yes: local clients included
Note
A business plan and a video interview replace the job offer; the regime started on 1 March 2026 and has no track record yet
Moving to the country of Georgia · 84th of 97 →

Kyrgyzstan

Digital Nomad status for IT and creative professionals
Other routes
Your own sole tradership or business
Income or capital
No income threshold
Local work
No: the status covers work for foreign clients; for local clients there is the sole tradership route
Note
Only for citizens of certain countries; a decision in 3 working days, no address registration needed
Moving to Kyrgyzstan · 4th of 97 →

Morocco

Residence card through your own company (manager or partner)
Income or capital
No fixed income threshold
Term
The first card lasts a year, then renewals
Local work
Yes: through your own company
Note
There is no visa for freelancers or remote workers: you first have to register a company
Moving to Morocco · 52nd of 97 →

Paraguay

Temporary residency: one status for employees and the self-employed
Other routes
Digital nomad visa (few issued); Investor Pass from $70,000 straight to permanent residency
Income or capital
No fixed threshold: proof of means is enough
Term
2 years, then permanent residency
Local work
Yes: the residency covers both employment and self-employment
Note
Since 6 July 2026 permanent residency needs verifiable income; the ID card takes months
Moving to Paraguay · 12th of 97 →

Peru

Independent contractor status (trabajador independiente)
Other routes
Rentista status with a pension or steady income from $1,000 a month, with no right to work
Term
not stated; the foreigner ID card is valid for 4 years
Local work
Yes: work under your own contracts
Note
Permanent residence after 3 years; a nomad visa passed in 2023 had not launched by August 2026
Moving to Peru · 23rd of 97 →

Rwanda

Business and investment permit (classes F, G, O)
Other routes
Class K for people living on their own income, including retirees: no employment, at the agency's discretion
Income or capital
No hard minimum capital; company registration is fast and cheap
Local work
Yes: through your own business in the country
Note
Online via Irembo in 7-14 working days; permanent residence no sooner than 10 years, at the agency's discretion
Moving to Rwanda · 56th of 97 →

Sri Lanka

Digital nomad visa, launched in February 2026
Other routes
Investor visa: $100,000 for 5 years or $200,000 for 10 years
Income or capital
A transfer of $2,000 a month through a Sri Lankan bank, plus $500 for each dependant from the third
Term
12 months, renewed every year
Local work
No: foreign employers and clients only
Note
It does not lead to permanent residence; the fee is $500 a year per family member
Moving to Sri Lanka · 61st of 97 →

United Arab Emirates

Freelance permit: GoFreelance or Talent Pass
Other routes
Remote work visa with income from $3,500 a month
Income or capital
No income threshold stated; GoFreelance from AED 4,600 plus an establishment card, Talent Pass AED 9,500
Local work
Not stated for freelancers; the remote visa gives no right to work locally
Note
There is no permanent status: residence lasts only as long as its ground
Moving to the UAE · 67th of 97 →

Uruguay

Permanent residency (residencia legal permanente) from the start, no employer needed
Other routes
Digital nomad permit for 180+180 days with no income threshold; it does not lead to residency
Income or capital
No fixed minimum: you show means of support
Term
Permanent; a provisional ID (cédula) for 2 years covers the wait
Local work
Yes: resident status itself allows both employment and self-employment
Note
You apply from inside the country; in practice processing takes 12-24 months
Moving to Uruguay · 21st of 97 →
A high bar

Through your own business or selection, but the bar is high

There is a route for entrepreneurs, the self-employed or by points, but it takes capital or investment, a business plan that gets assessed, a place in a quota or success in a competitive selection.

Europe · 14

Belgium

Professional card for the self-employed
Other routes
not stated: there is no digital nomad visa
Income or capital
No threshold stated; the economic value of the business is assessed
Local work
Yes: the card is issued for your own business in Belgium
Note
The criteria are vague and decisions take months
Moving to Belgium · 19th of 97 →

Czechia

A trade licence (živnost) with a long-stay business visa
Other routes
Digital Nomad programme: only for citizens of certain countries, with 3 years of IT experience or a STEM degree
Local work
Yes: your own business under the trade licence
Note
Consulates accept a limited number of applications a month, so appointments take months
Moving to the Czech Republic · 36th of 97 →

Estonia

Startup visa or residence permit for business
Other routes
Digital nomad visa
Income or capital
Not stated for startups and business; the nomad visa needs €4,500 gross a month
Local work
Not on the nomad visa: no work for Estonian employers
Note
Years on the nomad visa do not count towards permanent residence; E-Residency gives no right to live in Estonia
Moving to Estonia · 22nd of 97 →

Finland

Entrepreneur residence permit (yrittäjän oleskelulupa)
Other routes
Startup permit with a Business Finland statement
Income or capital
Not stated; the business is assessed for profitability
Local work
Yes: in your own business in Finland
Note
Both doors involve an assessment: Business Finland for startups, profitability for entrepreneurs; no nomad visa
Moving to Finland · 27th of 97 →

Ireland

STEP start-up programme
Other routes
Business permission with about €300,000 in capital and job creation
Income or capital
Capital from €50,000
Note
You need an innovative project; there is no digital nomad visa
Moving to Ireland · 17th of 97 →

Latvia

Startup residence permit for an innovative product
Other routes
Self-employment; remote work visa (about €4,538 a month); the €150,000 fund is not set up yet
Income or capital
No threshold stated; within 12 months you show early-stage investment or a progress report
Term
Up to three years
Local work
Yes: in your own Latvian company, where you sit on the board
Note
No more than 5 foreigners per startup; the remote work visa needs an employer or clients in OECD countries
Moving to Latvia · 76th of 97 →

Luxembourg

Residence permit for the self-employed
Other routes
Investor permit, which is being phased out
Local work
Yes: the permit covers your own business in the country
Note
There is no visa for remote work for a foreign employer; long-term resident status after 5 years
Moving to Luxembourg · 11th of 97 →

Montenegro

Your own company (d.o.o.) and a permit based on it
Other routes
Digital nomad visa until 31 December 2026; property from €150,000
Income or capital
At renewal, 3 employees (at least 1 local) and at least €5,000 a year in taxes and contributions
Term
The permit is annual and renewed every year
Local work
Yes: you work through your own Montenegrin company
Note
Rules for company owners were tightened in 2026; permanent residence after 5 years with a language exam
Moving to Montenegro · 54th of 97 →

Norway

Self-employed permit (ENK)
Income or capital
A high bar for proving profitability, no figure stated
Local work
Yes: through your own ENK
Note
There is no remote work visa; documents are handed in person, and in Oslo the wait for an appointment is up to 16 weeks
Moving to Norway · 33rd of 97 →

Poland

Temporary residence for running a business
Income or capital
No threshold stated; the bar for justifying the business is high
Local work
Yes: through your own business in Poland
Note
There is no digital nomad visa; Poland.Business Harbour has been suspended since January 2024
Moving to Poland · 64th of 97 →

Slovakia

Business residence permit for entrepreneurs
Other routes
not stated: there is no digital nomad visa
Local work
Yes: the permit is issued for your own business in Slovakia
Note
Capped at 700 applications a year, filed only at a consulate abroad
Moving to Slovakia · 31st of 97 →

Sweden

Self-employed residence permit
Other routes
not stated: there is no digital nomad visa
Income or capital
No figure stated; a business plan and capital are required
Local work
Yes: the permit is issued for your own business in Sweden
Note
A high bar for evidence and long processing
Moving to Sweden · 43rd of 97 →

Rest of the world · 6

Australia

The points-tested Skilled Independent visa (subclass 189): no sponsor, permanent from day one
Income or capital
No income threshold, points decide; government charge AUD 6,135 per applicant
Term
Permanent from day one
Local work
Yes: it is permanent status
Note
There is no self-employed visa: a freelancer competes on points as a skilled worker, with a paid skills assessment
Moving to Australia · 2nd of 97 →

Cambodia

EB stay extension with a self-employed work permit
Other routes
1- or 3-month EB extensions with no right to work; CM2H investment programme from $100,000
Income or capital
No income threshold
Term
From one extension to the next; 6- and 12-month extensions are now refused without a work permit
Local work
Yes, with a self-employed permit; without one you may not work
Note
This is not a residence permit: years on extensions do not count towards permanent residence
Moving to Cambodia · 87th of 97 →

Canada

Express Entry: points-based permanent residence with no job offer
Other routes
The Start-up Visa exists on paper but the backlog runs to years; the self-employed program is paused
Income or capital
No income threshold; one-off proof of funds of about C$15,263 for one person
Term
Permanent residence straight away, no expiry; citizenship after 3 years of presence
Local work
Yes: permanent residence is not tied to any employer
Note
Competitive points selection: about 69% of applications from abroad are approved, decisions take about 7 months
Moving to Canada · 6th of 97 →

Mauritius

Occupation Permit, Self-Employed category
Other routes
Investor category from $50,000; Premium Visa for remote work, with no local work and no path to permanent residence
Income or capital
$50,000 invested, three letters of intent (two from local clients) and a revenue plan
Term
not stated; the Premium Visa runs a year, renewable
Local work
Yes: the category is built around local clients
Note
From year six the self-employed need MUR 1.5 million in annual revenue; permanent residence after 5 years at the earliest
Moving to Mauritius · 18th of 97 →

Saudi Arabia

Premium Residency (annual)
Other routes
Unlimited Premium Residency for SAR 800,000; your own company with an investment licence
Income or capital
SAR 100,000 a year (≈$26,660)
Term
1-5 years, renewable
Local work
Yes: Premium Residency includes the right to work
Note
There is no permanent status for years lived: it can only be bought
Moving to Saudi Arabia · 80th of 97 →

Uzbekistan

IT Visa through IT Park, for the IT sector only
Other routes
The same IT Visa for founders of IT Park resident companies (stake from $30,000) and investors (from $30,000)
Income or capital
Proven income of at least $30,000 over the last 12 months
Term
Up to 3 years
Local work
Yes: within IT Park, with no separate work permit
Note
Outside IT there is no way in for the self-employed; family goes in the same application
Moving to Uzbekistan · 35th of 97 →
Remote only

Only for remote work for foreign clients

A remote worker visa or permit with a threshold above about €3,000 a month, or a status that does not lead to residency and does not count towards permanent residence. As a rule, you cannot work for the local market on them.

Europe · 8

Croatia

Digital nomad status
Other routes
Self-employment or your own business; conditions not stated in our sources
Income or capital
From €3,622.50 a month
Term
Up to 18 months in one grant, no extension
Local work
Not stated; the status is designed for remote work
Note
You can reapply only after six months outside Croatia; nomad years do not count towards permanent residence
Moving to Croatia · 37th of 97 →

Cyprus

Digital nomad visa
Other routes
Passive income permit (Category F) and visitor permit, both without the right to work
Income or capital
From €3,500 net a month
Note
A quota of 1,000 permits; applications were already suspended until 26 March 2025
Moving to Cyprus · 69th of 97 →

Greece

Digital nomad visa
Other routes
Self-employment (we found no capital requirements in official sources)
Income or capital
€3,500 a month
Local work
No: no work for the Greek market
Note
Since February 2026 applications go only through a consulate; the full cycle takes 2-3 months
Moving to Greece · 34th of 97 →

Hungary

White Card (Fehér Kártya) for remote work
Other routes
Residence permit for self-employment
Income or capital
€3,000 a month
Term
One year, renewable once for a year, then you leave and apply again
Local work
No: remote work for foreign employers only
Note
The White Card leads to no permanent residence and allows no family; the self-employment permit, no family in year one
Moving to Hungary · 46th of 97 →

Malta

Nomad Residence Permit
Other routes
Investment residence for more than €100,000; self-employment is blocked by capital requirements
Income or capital
€42,000 a year
Term
4 years at most
Note
It does not lead to permanent residence: years on this permit do not count
Moving to Malta · 63rd of 97 →

Moldova

Digital nomad visa
Other routes
Business or investment, conditions not stated
Income or capital
Three national average salaries, ≈52,200 lei a month
Term
Up to 2 years
Local work
No: work on the local market is not allowed
Note
Online application, flat 12% tax; a work-based right of stay always needs an employer
Moving to Moldova · 39th of 97 →

Romania

Digital nomad visa
Other routes
A permit for business activity or self-employment; its conditions are not stated in our sources
Income or capital
About €5,400-5,500 a month, three times the average wage
Note
The threshold is tied to the average wage and rises with it
Moving to Romania · 13th of 97 →

Slovenia

Residence permit for remote work for a foreign client (since 21 November 2025)
Income or capital
At least twice the average net salary, about €3,100-3,200 a month
Term
One year at most, no renewal; reapply after a six-month break
Local work
No: foreign clients only
Note
Family members get permits without the right to work
Moving to Slovenia · 48th of 97 →

Rest of the world · 14

Barbados

Welcome Stamp remote work visa
Other routes
Special permit for investors from $2 million
Income or capital
From $50,000 a year
Term
12 months, renewable
Local work
No: local work is not covered
Note
It does not lead to residence; online application, usually approved within 7 business days
Moving to Barbados · 65th of 97 →

Colombia

The V digital nomad visa (nómada digital)
Other routes
M partner or investor visa; M pension visa; V rentista visa for passive income
Income or capital
From three minimum wages, about $1,200-1,435 a month
Term
Up to 2 years; the rules give no way to renew
Note
Time on a V visa does not count towards the R resident visa; applications are online
Moving to Colombia · 30th of 97 →

Costa Rica

Digital nomad visa (Law 10008)
Other routes
Self-employed category (trabajador por cuenta propia)
Income or capital
From $3,000 a month, $4,000 with family
Term
One year plus a one-year extension
Note
Free of income tax, but 2 years at most and no path to permanent residence
Moving to Costa Rica · 68th of 97 →

Indonesia

E33G remote worker visa
Other routes
Your own foreign-owned company from 10 billion rupiah; a retirement visa from age 55 only
Income or capital
From $60,000 a year
Local work
No: work for Indonesian companies is banned
Note
You need an employment contract with a foreign company, so it does not fit freelancers
Moving to Indonesia and Bali · 71st of 97 →

Kazakhstan

Neo Nomad visa
Other routes
Business immigration with capital; investor visa from $300,000
Income or capital
$3,000 a month of foreign income
Term
Up to 1 year, renewable in the country through the Interior Ministry
Local work
No: it does not allow work in Kazakhstan
Note
It is a visa, not a residence permit: there is no ordinary residence route without an employer
Moving to Kazakhstan · 55th of 97 →

Kenya

Class N digital nomad permit
Other routes
Class G business permit with an investment from $100,000
Income or capital
Foreign income from $24,000 a year
Local work
No: working in Kenya is not allowed
Note
Fees of $200 plus $1,000 for each year; there is no data on how many permits have been issued
Moving to Kenya · 81st of 97 →

Malaysia

DE Rantau nomad pass
Other routes
MM2H Silver: a $150,000 deposit and property from RM 600,000
Income or capital
From $24,000 a year in tech, $60,000 a year otherwise
Term
Up to 24 months
Local work
No: you cannot work for a Malaysian company
Note
The pass does not lead to permanent residence
Moving to Malaysia · 85th of 97 →

Mexico

Temporary residence based on income or savings
Other routes
Investment in a company (about $90,000), property (about $174,000)
Income or capital
About $4,350 a month over 6 months, or about $73,500 in savings over 12 months
Term
A temporary resident card for up to 4 years, then you can move to permanent residence
Local work
No: no work for Mexican employers; the status is for people paid from abroad
Note
Since July 2025 thresholds are tied to the UMA unit and have risen sharply
Moving to Mexico · 28th of 97 →

Panama

Remote worker visa
Other routes
Residency through your own business from $160,000
Income or capital
From $36,000 a year
Term
9 months plus a 9-month extension
Local work
No: foreign clients only
Note
The visa does not lead to residency
Moving to Panama · 29th of 97 →

South Africa

Digital nomad visa
Other routes
Business visa from R5 million; no route for the self-employed
Income or capital
R650,976 a year (≈$2,960 a month)
Local work
No: the income must come from abroad
Note
Applications accepted since 3 March 2025 via embassies and VFS; no issuance figures are published
Moving to South Africa · 60th of 97 →

South Korea

F-1-D remote work (workation) visa
Other routes
D-8 investor visa from ₩100 million (≈€63,000)
Income or capital
For most applicants twice the national average income, ≈$66,000 a year
Local work
No: foreign employer only, work on the Korean market is banned
Note
The visa is permanent since 2026; for ages 18-34 outside Seoul the bar drops to one average income
Moving to South Korea · 15th of 97 →

Taiwan

Digital nomad visa for up to 2 years
Other routes
Entrepreneur visa with an NT$2 million investment; Gold Card with pay from NT$160,000 a month or exceptional skills
Income or capital
From $40,000 a year, from $20,000 if you are 20-29
Term
Up to 2 years
Local work
No: local work is not allowed
Note
Only for citizens of some visa-exempt countries; the visa gives no long-term status
Moving to Taiwan · 5th of 97 →

Thailand

DTV visa for remote work for foreign clients
Other routes
Retirement visa from age 50, Thailand Privilege, LTR with income from $80,000 a year (none allow work)
Income or capital
No income threshold
Term
A 5-year visa
Local work
No: foreign employers and clients only
Note
It does not count towards permanent residence; self-employment gives no right to a work permit
Moving to Thailand · 94th of 97 →

Turkey

Digital nomad visa (since 15 April 2024)
Other routes
Short-term residence permit (ikamet) on tourist or rental grounds, with no right to work
Income or capital
From $3,000 a month, plus a university degree and age 21-55
Local work
Not stated for the nomad visa; ikamet gives no right to work
Note
The visa is open only to citizens of certain countries; ikamet applications are often refused since late 2022
Moving to Turkey · 57th of 97 →
On your own income

You can live there, but not work

Statuses for people living on a pension, rental income, a deposit or property they have bought. Income from work does not count for them, and most of them do not let you work in the country.

Argentina

Rentista temporary residence on passive income from abroad
Other routes
Digital nomad visa: 180 days plus 180, income of about $2,500 a month, no path to permanent residence
Income or capital
At least 5 minimum wages: ARS 1,883,000, about $1,247 a month (August 2026)
Term
Renewable, leads to permanent residence after 3 years
Local work
Yes: the law allows work, but work income does not count for this route
Note
Salary, freelance and remote-work income do not count; there is no self-employment route
Moving to Argentina · 26th of 97 →

Bahamas

Annual Residence Permit
Other routes
Economic permanent residence from $1,000,000; the BEATS nomad visa has been suspended since February 2022
Income or capital
No numeric threshold, but a bank reference on your means is required
Term
One year, renewed yearly at the Board of Immigration's discretion
Local work
No: the status bars work
Note
B$3,000 a year plus B$300 per dependant; there is no ordinary path to permanent residence
Moving to the Bahamas · 90th of 97 →

Chile

Temporary residence for retirees and rentiers
Income or capital
No fixed amount: a pension or passive income that covers basic needs
Term
Temporary and renewable; permanent residence after 2 years
Note
Salary and freelance income do not count; you apply from abroad only, and it takes 506 days on average
Moving to Chile · 14th of 97 →

Dominican Republic

Rentista status (passive income)
Other routes
RT-9 with a bank letter for RD$300,000; an entrepreneur category with no published criteria
Income or capital
Proven passive income of $2,000 a month or more
Local work
Yes: rentista status does not ban work
Note
There is no digital nomad visa; income from work does not qualify for rentista status
Moving to the Dominican Republic · 58th of 97 →

Egypt

Residency through buying property
Income or capital
Property of about $50,000 for a one-year card, $100,000 for 3 years, $200,000 for 5 years
Term
1, 3 or 5 years depending on the amount, renewable
Local work
No: the status bars work
Note
There is no permanent status at the end; remote work sits outside the law
Moving to Egypt · 96th of 97 →

Fiji

Assured income residence, from age 45
Other routes
Investment from FJD 300,000
Income or capital
A F$100,000 deposit
Local work
No: the status does not allow work
Note
There is no route for the self-employed or remote workers, and no nomad visa
Moving to Fiji · 77th of 97 →

Guatemala

Rentista and pensioner residence
Other routes
Investor residence with an investment above $100,000
Income or capital
Income from $1,250 a month
Local work
No: the status bars paid work
Note
There is no route for the self-employed and no nomad visa: work is only possible as an employee
Moving to Guatemala · 59th of 97 →

Jordan

Residence for a bank deposit
Other routes
Property: since 2026 no deposit after 2 years of residence; a home from JOD 200,000 gives 5-year residence
Income or capital
A deposit of JOD 20,000 (≈$28,000), JOD 10,000 after two years
Local work
No: the status gives no right to work
Note
There is no digital nomad visa, and the law has no permanent residence
Moving to Jordan · 93rd of 97 →

Philippines

SIRV investor visa or SRRV retiree visa from age 40
Other routes
A digital nomad visa was created in 2025, but we treat it as announced only
Income or capital
SIRV: an investment of $75,000; SRRV conditions are not stated in our sources
Local work
No: neither status gives the right to work
Note
The self-employed do not get a work permit: you can live there but not work
Moving to the Philippines · 79th of 97 →

Tunisia

Temporary residence card (carte de séjour) on a pension or own income
Other routes
Property, study
Income or capital
No fixed threshold: proof of means, housing and insurance
Term
1 year, renewed yearly; two-year cards are possible later
Local work
No: the status gives no right to work
Note
Remote work without a right to work is outside the law and complicated by currency controls
Moving to Tunisia · 86th of 97 →
No such route

Where you cannot get residency without an employer

There is no remote work visa or self-employment route here, or it is practically closed; without a local employer, all that is left is large investment. Details are on each country page.

Questions and answers

Questions about residency without an employer

Where can I get residency without an employer?

As of our check on 1 October 2026, 24 of the 97 countries have a working route without a local employer. In Europe they are Spain, Portugal, Germany, France, Italy, Bulgaria, Serbia, Albania, Bosnia and Herzegovina and North Macedonia; beyond Europe, for example, Georgia, Armenia, Uruguay, Paraguay, Ecuador, Brazil and the UAE.

Which countries give residency to freelancers?

There are dedicated freelancer routes in Germany (the freelancer visa, issued with bureaucratic friction), Portugal (the D2 visa for entrepreneurs and freelancers), Bulgaria (free practice), France (liberal profession status), the UAE (the GoFreelance permit from AED 4,600) and Belize (a self-employed permit at BZ$3,000 a year).

Where is it easiest to get residency as a sole trader or self-employed?

In Serbia through your own sole proprietorship with no fixed income threshold, with permanent residence after 3 years. In Georgia the self-employed submit a business plan and a video interview instead of a job offer, but the scheme has only run since 1 March 2026 and there is no track record yet. Armenia grants residency to sole traders, but from 1 November 2026 you need turnover or a balance of 1 million dram (about $2,600), and annual quotas come in. In Paraguay one residence covers both employment and self-employment.

Can I work for local clients on this kind of residency?

It depends on the route. Statuses for your own business allow it: a sole proprietorship in Serbia and Armenia, self-employment in Georgia, the D2 in Portugal, the freelancer visa in Germany, residence in Uruguay and Paraguay. Remote work visas usually require income from abroad: that is the case in Spain, Sri Lanka, El Salvador, Hungary, Greece and South Korea.

Where is the lowest income threshold without an employer?

There is no fixed threshold in Serbia, Albania, Kyrgyzstan, Uruguay, Paraguay and Morocco, and Rwanda has no hard minimum capital. Among countries with a figure, the lowest are Georgia (about $470 a month and turnover of 50,000 lari a year), Ecuador with a degree ($482 a month), El Salvador ($1,460), Brazil ($1,500) and Sri Lanka ($2,000).

Does residency without an employer lead to permanent residence?

Often yes, if it is a residence permit rather than a remote work visa. Permanent residence comes after 3 years in Serbia, Armenia and Peru and after 5 years in Albania and Portugal; in Bosnia and Herzegovina years on a founder's permit count towards it, in Paraguay permanent residence follows after 2 years, and in Uruguay it is immediate. Nomad visas often lead nowhere: so in Sri Lanka, Colombia, Croatia, Malta, Costa Rica, Panama and Barbados, and Hungary's White Card requires you to leave after two years.

Where can you not get residency without an employer?

In 21 of the 97 countries. They include Switzerland, the UK, the US, Japan, Singapore, New Zealand, Israel, China, India, Austria, Lithuania, Iceland and the Gulf states other than the UAE and Saudi Arabia. There is no self-employment route or remote work visa there, or it is practically closed.

How this list was built

For all 97 countries in our ranking we checked the 'without an employer' line on the published country pages and the employer field in the ranking's index cards, and placed each country in a group by its most accessible route. A working route means you apply yourself, with no capital of $50,000 or more, no quota and no expert panel, and an income threshold of no more than about €3,000 a month. Thresholds, terms and conditions are given as the sources state them; where a source gives no figure, the field is not shown. The list ignores nationality: for benefits and restrictions tied to particular passports, see the country page. Digital nomad visas are covered in more detail in our separate list.

The list is built from the index cards of the 97 countries in our ranking and the country pages, where every fact has a source. Checked 01/10/2026.