Use the total you plan to pay into the PPR during the year. Age only sets the benefit ceiling.

IRS benefit (tax credit)
€200.00
20% of contributions · €400.00 ceiling for your age
Amount
Invested in the PPR€1,000.00
20% of contributions€200.00
Ceiling (age)€400.00
IRS benefit€200.00
Immediate tax return
20%
Contribution that hits the ceiling
€2,000.00

You can invest €1,000.00 more (up to €2,000.00) to reach the maximum benefit of €400.00.

Ceilings by age (2026)
  • Under 35
    up to €400.00 (with €2,000.00)
  • Between 35 and 50
    up to €350.00 (with €1,750.00)
  • Over 50
    up to €300.00 (with €1,500.00)

Shows the “full” benefit (20% up to the age ceiling). What you actually recover also depends on the global limits on tax credits, which fall as income rises. Use the IRS calculator for the final tax.

Educational estimate, not tax advice. The 20% rate and the €400/€350/€300 caps are official for 2026 (Art. 21.º of the EBF). It does not include the global deduction limit by bracket or the tax on redemption. Check your assessment note.

PPR Tax-Benefit Calculator (Portugal) by Calculadora Capital

PPR Tax-Benefit Calculator (Portugal)