Tools · Portugal · 2026
Property calculators.
Run the numbers before you commit, or before you sell. Estimate your full purchase costs, monthly mortgage, rental yield, return on investment, and your net proceeds from a sale, built around Portugal's 2026 rules.
Jump to: Purchase costs · Mortgage · Rental yield · ROI · Seller's net
01 · Purchase costs
What buying really costs
IMT (transfer tax), Stamp Duty and the usual notary and legal fees on top of the asking price. Choose the option that matches your situation, the IMT rules differ.
- IMT (transfer tax)
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- Stamp Duty
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- Notary & registry
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- Legal fees
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- Total taxes & fees
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- Total budget needed
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Mainland Portugal, 2026 rates (AT Ofício Circulado 40129/2026). IMT is legally charged on the higher of the price or the property's tax value (VPT); this uses the price you enter. An estimate, not tax advice.
02 · Mortgage
Your monthly repayment
A standard repayment estimate. Enter the price, your deposit, the rate and the term.
- Loan amount
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- Monthly payment
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- Total interest
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- Total repaid
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A repayment-mortgage estimate excluding life/home insurance, bank fees and the Stamp Duty on the loan itself (0.6% for terms over 5 years). Portuguese banks typically lend up to 80-90% to residents and less to non-residents. An estimate, not a mortgage offer.
03 · Rental yield
What it could earn
Gross yield is the headline number; net yield takes your running costs off it.
IMI, condominium, insurance, management, maintenance.
- Annual gross income
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- Gross yield
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- Net yield
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Yields are on the purchase price only (before purchase costs and financing). An estimate, not investment advice.
04 · Return on investment
Your cash-on-cash return
How hard your invested cash works each year, after all costs including any mortgage.
Deposit + purchase costs + any renovation.
Running costs + mortgage payments + taxes.
- Annual net cash flow
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- Cash-on-cash ROI
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Cash-on-cash return for a single year; it doesn't include capital growth or tax on rental income. An estimate, not investment advice.
05 · Selling a home
What you'll actually walk away with
Your sale price minus agency commission, selling costs, any mortgage to repay, and an optional capital-gains estimate. The capital-gains part is rough, leave the purchase price at 0 to skip it.
Energy certificate, admin, etc.
Capital gains (optional)
Residents: 12.5%–48% depending on total income.
- Sale price
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- Agency commission
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- Other selling costs
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- Capital gains tax (est.)
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- Mortgage repaid
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- Net proceeds
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Capital gains: since 2023, 50% of the net gain is taxable for both residents and non-residents, at your marginal IRS rate. This estimate ignores the inflation coefficient (which lowers tax on property held over 24 months) and assumes your commission, selling and buying costs are deductible. Main-home reinvestment relief can reduce the gain to zero. An estimate, not tax advice; confirm with a tax adviser.
Want the real numbers for a specific property?
These tools get you in the ballpark. For an exact picture, whether you're buying or selling, taxes, financing and all, let's talk.
Talk to Natalie