Frequently Asked Questions

General Questions

What is InvestimoPortugal?

It helps you analyse property purchases and rental investments in Portugal by bringing together upfront cash, rent, costs, financing and estimated taxes. Guides and examples are free; the calculator offers free runs and additional features with paid access.

Who is this calculator for?

It is for buyers who want to understand a property’s numbers before deciding. The current model focuses on urban-property purchases by individuals in 2026. Nationality and tax residence are different; some company structures, reliefs and property types require a separate assessment.

Is this a tax filing tool?

No. It estimates results and taxes from your inputs to help compare decisions. It does not prepare a tax return, confirm entitlement to reliefs or replace financial, legal or tax advice.

How do the guides differ from the calculator?

The free tools are simplified starting points. The full calculator lets you adjust costs, financing, taxes and timing, then compare scenarios for a more detailed analysis.

Calculations & Methodology

How accurate are the calculations?

The formulas use the rules and assumptions documented in the methodology, including 2026 acquisition-tax tables. A consistent calculation does not make a forecast certain: rent, costs, financing, timing and tax circumstances change the result. Verify your inputs and the legal conditions before making a decision.

What taxes are included in the analysis?

At purchase: IMT, Portugal’s municipal property-purchase tax (Imposto Municipal sobre as Transmissões Onerosas de Imóveis), and stamp duty, with loan stamp duty separate. During ownership: IMI, the annual municipal property tax; AIMI, additional property tax where applicable; and rental-income tax. On sale: estimated capital-gains tax. AIMI can depend on all relevant properties you own, not just this property’s price.

What is the young buyer regime?

Portugal may offer tax benefits to eligible buyers aged 35 or under purchasing a first permanent residence, subject to the rules and thresholds in force. The calculator models this regime from your inputs and dated assumptions; confirm eligibility and any later tax consequences with the tax authority or a qualified adviser.

Does the 10% rental-tax rate apply to every landlord?

No. Portugal provides temporary relief for income from residential-only rental contracts that meet the legal conditions and rent limit. The calculator models only individual landlords reporting property income under personal income tax (IRS Category F), not companies or business income. For qualifying income received from 1 January 2026 to 31 December 2029, it uses the lower of 10% and your entered rate. It tests the whole property’s amount against the documented national €2,300/month limit. If its checks fail, or from 2030 onwards, it uses your entered rate. Confirm eligibility, regional rules and actual averages with the tax authority; the methodology explains the model’s forward-looking test. Exemption under the separate affordable-rental scheme (RSAA) is not automatic.

What if I do not know an input yet?

Use a clearly identified assumption and test alternatives. Leave optional fields blank where allowed; required fields need a value before calculation. Enter 0 only when you really mean no cost, rent or tax — never to mean “unknown”. Uncertainty options do not automatically grant tax relief.

Using the Calculator

Do I need to create an account?

You can read guides, try the free tools and explore the sample report without an account. Sign in to enter your property details and run an analysis in the full calculator. Creating an account is free; see the plans for the daily allowance and paid features.

How many simulations can I run?

Free users get 2 simulations per day. Where available, ad support can unlock up to 2 extra per day. Paid access removes the daily simulation limit and unlocks additional features. See the plans page for what is included.

Can I save my calculations?

Paid access lets you save scenarios, compare results and export reports. A saved scenario keeps the inputs and result of that calculation; if you change assumptions, calculate again before saving or exporting. Check the plans for the included features.