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Portugal vs Spain for expats and retirees in 2026: if you are trying to decide whether to retire in Spain or Portugal, this comparison puts Porto and Valencia side by side. Rent and monthly costs, the Portugal D7 visa against the Spain non-lucrative visa, public and private healthcare, taxes on a foreign pension, and how long it now takes to become a citizen. Free calculator: check a retirement budget abroad and the visa income rule → https://tools.deyasoftworldtours.com Chapters 0:00 Two neighbours, two very different rulebooks 0:50 1. Rent: Porto is cheaper, but not by much 1:42 2. Daily costs are almost identical 2:38 3. The visa: Portugal's D7 sets a low bar 3:28 4. Spain's non-lucrative visa costs more to qualify 4:22 5. Time abroad: the rules work differently 5:12 6. Healthcare: public access arrives on a different timetable 6:10 7. Taxes on your pension 7:14 8. Citizenship: ten years in both countries 8:06 So, Portugal or Spain? Sources (checked 1-4 October 2026) - Numbeo, Cost of Living in Porto (updated 2 Oct 2026): https://www.numbeo.com/cost-of-living/in/Porto - Numbeo, Cost of Living in Valencia (updated 2 Oct 2026): https://www.numbeo.com/cost-of-living/in/Valencia - Numbeo, Porto vs Valencia comparison: https://www.numbeo.com/cost-of-living/compare_cities.jsp?country1=Portugal&city1=Porto&country2=Spain&city2=Valencia - MSP Lawyer, Portugal D7 requirements 2026: https://www.msplawyer.io/portugal-d7-visa-requirements-2026/ - Grow in Portugal, D7 income and savings 2026: https://www.growinportugal.com/d7-visa-portugal-income-requirements - The Golden Portugal, D7 permit periods and absences: https://www.thegoldenportugal.com/d7-visa-and-residency/ - Apoio Juridico Imigracao, residence permit absence limits 2026: https://www.apoiojuridico-imigracao.com/blog/portugal-residence-permit-absence-days-limits-2026 - Costa Luz Lawyers, Spain NLV income 2026: https://www.costaluzlawyers.com/non-lucrative-visa-spain-income-requirement-2026/ - Pellicer & Heredia, Spain non-lucrative visa 2026: https://www.pellicerheredia.com/en/non-lucrative-visa-spain/ - Grow in Portugal, SNS registration and user fees: https://www.growinportugal.com/data/sns-healthcare - LVP Advogados, SNS access for foreign nationals: https://www.lvpadvogados.com/access-to-portugals-national-health-service-sns-for-foreign-nationals - The Local Spain, convenio especial (31 Jul 2026): https://www.thelocal.es/20260731/how-to-apply-for-the-convenio-especial-to-pay-for-public-healthcare-in-spain/ - Health Plan Spain, convenio especial 2026: https://www.healthplanspain.com/blog/health-news/2284-convenio-especial-spain-expats-2026.html - Portugal Business, IFICI and foreign pensions 2026: https://www.portugal-business.com/en/guides/ifici-2026 - Taxes for Expats, Spain wealth tax and Modelo 720: https://www.taxesforexpats.com/country-guides/spain/spain-wealth-tax.html - Remote Work Europe, wealth tax and Modelo 720 in 2026: https://remoteworkeurope.eu/insights/wealth-tax-in-spain-explained/ - Immigrant Invest, Portugal nationality law (Lei Organica 1/2026): https://immigrantinvest.com/insider/portugal-approves-citizenship-law/ - Portugalist, Portuguese citizenship now takes 10 years: https://www.portugalist.com/portuguese-citizenship-10-years/ - ARC Legal, Spanish nationality by residence 2026: https://www.arc-legal.es/en/spanish-nationality-by-residence-2026-guide/ - Spain Guru, Spanish citizenship 2026: https://spainguru.es/2026/07/08/spanish-citizenship-2026/ - European Central Bank, EUR/USD reference rate (2 Oct 2026: 1.1225): https://www.ecb.europa.eu/stats/policy_and_exchange_rates/euro_reference_exchange_rates/html/eurofxref-graph-usd.en.html Exchange rate used: EUR 1 = USD 1.12. Things to do (tours, day trips, tickets): - Porto: https://www.getyourguide.com/s/?q=Porto&partner_id=IJKKMTM&utm_medium=online_publisher&cmp=dsw-porto - Valencia: https://www.getyourguide.com/s/?q=Valencia&partner_id=IJKKMTM&utm_medium=online_publisher&cmp=dsw-valencia These are affiliate links: I may earn a commission if you book, at no extra cost to you. This video is for information only and is not financial, tax, immigration or legal advice. Rules and thresholds change; confirm with the consulate and a qualified adviser before you apply. Narration: synthetic voice. Footage: Pexels (free licence), thanks to the Pexels creators. #PortugalVsSpain #RetireInPortugal #RetireInSpain

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