Calculators

Seven tools to help you decide with the numbers already in front of you. 2026 tax data verified against official sources — see how we calculate.

How much tax do I pay when I buy?

IMT and stamp duty

The taxes due at the escritura (deed), including the regime jovem (young-buyer scheme) and separate tables for the mainland and the islands.
How much will I pay per month?

Mortgage payment

Monthly payment, total interest and the amortisation schedule, using today’s Euribor.
How much do I need in the bank?

Total purchase costs

Down payment, taxes, registration and fees — the full cheque you write on the day of the escritura (deed).
How much do I pay when I sell my house?

Capital gains on a home sale

Taxable gain using the official coefficients, deductible costs, and reinvestment in a new home.
Is it worth building instead?

Buy vs build

Land, design, permits and construction (traditional, LSF, ICF) against buying a home ready-built.
Can I buy with no down payment?

Garantia pública (100%)

Check your eligibility for the garantia pública (state guarantee) and see how financing 100% affects your monthly payment.
How much will the bank lend me?

Debt-service ratio and borrowing capacity

Banco de Portugal’s new 45% limit, the stress test, and the maximum you can borrow.