The house is the decision.
We are the numbers.
Seven free calculators with the verified 2026 tax tables — IMT (property transfer tax), mortgage payments, total purchase costs, capital gains tax, construction, the garantia pública (state guarantee) and borrowing capacity. Every result shows where it comes from.
€250,000 home · 90% mortgage · mainland
€36,672
is what you need to have in the bank — not just the down payment.
| Down payment (10%) | €25,000 |
|---|---|
| IMT | €7,042.04 |
| Stamp duty (Imposto do Selo) on the purchase (0.8%) | €2,000.00 |
| Stamp duty on the mortgage (0.6%) | €1,350.00 |
| Registration and deed (Casa Pronta) | €700.00 |
| Valuation + fees (typical) | €580.00 |
A calculator for every question
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How much tax do I pay?
IMT and stamp duty
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How much do I pay per month?
Mortgage payment
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How much do I need in the bank?
Total purchase costs
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How much do I pay when I sell?
Capital gains on a home sale
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Is it worth building?
Buy vs build
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Can I buy with no down payment?
Garantia pública
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How much will the bank lend me?
Debt-service ratio (new 45% limit)
Always official sources
Tables from Portal das Finanças (tax authority), Diário da República (official gazette) and Banco de Portugal (central bank) — every figure with its source and verification date in the methodology.
No hidden numbers
Every result comes with a "where this number comes from" breakdown. Whatever is an estimate shows as a range — we never fake precision.
This week's Euribor
Simulations use the real Euribor (2.723% at 6 months, 24 Jul 2026), updated automatically every week.
For running your own scenarios
Kit Compra & Construção — the full Excel simulator (in Portuguese)
The six calculators in one professional spreadsheet: save scenarios, compare homes, see the full amortisation schedule and the Euribor sensitivity. Includes the 40-step checklist for the new RJUE (Portugal's building and land-use code).
Launch price · 30-day refund