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Alicerce

Kit Compra & Construção · 2026 edition

The spreadsheet we built to decide on our own home.

A professional Excel spreadsheet with every calculation — taxes, mortgage, construction — plus a typeset checklist covering the 40 steps of building a house under the new RJUE (the Portuguese building and land-use code). Built to help you decide on hundreds of thousands of euros with a clear head.

Buy for €19 €29 — launch price · 30-day refund

Secure payment via PayPal. Instant download after you pay — the links stay valid for 72 hours.

The spreadsheet and PDFs are in Portuguese — the numbers and formulas work regardless.

  • Purchase

    Price → IMT (property transfer tax), Imposto do Selo (stamp duty), registrations, commissions: the total cheque due on escritura (deed) day, including the regime jovem (young-buyer scheme).

  • Financing

    Monthly payment, full amortisation table and sensitivity: what happens if Euribor rises or falls by 2 percentage points.

  • Construction

    Land + m² + building system (traditional, ICF, LSF) → itemised budget, from the project to the licença de utilização (occupancy permit).

  • Buy vs Build

    Both scenarios side by side, with a verdict in euros and in months.

  • 2026 tables

    ALL the tax figures in a single tab, with sources. When the law changes, you update one place.

  • + RJUE checklist: 40 steps (PDF)

    From the land to the licença de utilização (occupancy permit), each step with its documents, typical deadlines and the trap to avoid — already aligned with Decree-Law 108/2026.

Who it’s for (and who it’s not)

It’s for anyone buying or building in the next 24 months who wants to decide with their own numbers, not the seller’s. It’s not for mortgage professionals and it doesn’t replace an accountant — it’s the tool that gets you into the conversations with the maths already done.

Frequently asked questions

Is the kit in English or in Portuguese?
The spreadsheet and PDFs are in Portuguese — the numbers and formulas work regardless. Every cell is a number or a formula, not a paragraph, so you do not need to read Portuguese to use it. If you just want the headline numbers first, the free calculators on this site are already in English.
How is this better than the free calculators on the site?
The calculators answer one question at a time. The kit is the complete worksheet: it saves your scenarios, compares three homes side by side, shows the full amortisation table and lets you tweak everything offline — no limits, no internet needed.
Will it work in my Excel?
Yes: Excel 2016 or later, Excel Online, Google Sheets and LibreOffice. No macros — just open formulas you can inspect.
Are the tax figures up to date?
The kit includes the 2026 tables (2026 State Budget, Ofício Circulado 40129/2026 from the Tax Authority) in a single tab with sources cited. You buy once, and updates to the 2026 edition are free — delivered by email.
Does it cover the Autonomous Regions?
Yes — the purchase tab has the tables for the mainland and for the Azores/Madeira — you choose from a menu.
What if I do not know anything about Excel?
The input cells are colour-coded and everything else is protected against accidental changes (no password — you can unprotect it if you want). If you can type a number into a cell, that is enough.
What if I do not like it?
Refund within 30 days, no questions asked — just reply to the receipt PayPal sends you and we will refund you.

Kit Compra & Construção — 2026 edition

Excel + RJUE checklist (in Portuguese) · 2026 updates included · 30-day refund

Buy for €19