Personal finance, made clear
Calculadora Capital
Understand your money in minutes.
What Calculadora Capital is
Calculadora Capital brings together 38 free financial calculators and clear guides for people living in Portugal. Each tool uses the official rates and tables (from IRS to Euribor) and shows the formula it applies.
We do not sell products or ask you to sign up. The aim is to give a reliable estimate in seconds and explain how we got there, with sources cited on every page.
- 38
- calculators
- 37
- guides
- 5
- topics
Calculators by topic
Each topic gathers the calculators and the guides that explain them. Pick where to start.
Investment Calculators
Simple, free tools to plan your finances. Start with compound interest.
6 calculators→Tax Calculators
Simple, free tools to estimate everyday taxes in Portugal: from vehicle tax to capital gains.
10 calculators→Mortgage Calculators
Simple, free tools to understand a home loan in Portugal, starting with the payment and the effect of Euribor.
4 calculators→Salary & Work Calculators
Simple, free tools to understand what you earn from your work in Portugal, starting with your net salary.
13 calculators→Retirement Calculators
Simple, free tools to plan your retirement in Portugal, starting with the age at which you can retire.
5 calculators→
Start with one of these
A selection to get you started, from saving to salary, taxes and your home.
- Compound Interest CalculatorCompound interest is interest that earns interest on the interest already accrued. By reinvesting what you earn, your money grows faster over time. Use the calculator to see how much you could accumulate from an initial amount plus monthly contributions.
- Net Salary Calculator: PortugalHow much do you actually take home? This calculator starts from your gross salary and removes the two mandatory charges every Portuguese employee pays (Social Security (11%) and IRS income tax) to estimate your net salary, monthly and yearly. Choose 12 or 14 payments (with the subsídios) and see, step by step, how the figure that reaches your account is reached.
- IRS Calculator (Portuguese Income Tax)How much IRS do you pay on your income? This calculator applies the 2026 IRS brackets (mainland Portugal) to your taxable income and shows the tax (coleta), your effective average rate and the bracket you fall into. Choose individual or joint taxation (the family quotient) and see, step by step, how the tax is reached.
- Mortgage Payment Calculator (Portugal)How much will the home loan cost you each month? This calculator estimates the monthly payment (prestação) from the amount borrowed, the rate (Euribor + spread) and the term, and shows the total paid and the interest over the life of the loan. Most usefully, it shows at a glance how much the payment rises or falls if Euribor moves by one percentage point.
- IMI Calculator (Portuguese Property Tax)How much IMI will you pay this year? This calculator estimates Portugal's annual municipal property tax (IMI) from your property's taxable value (VPT) and your municipality's rate, applying the family deduction where relevant. See the amount, the number of instalments and how it is reached.
- Retirement Age Calculator 2026: PortugalIn 2026, the normal pension age in Portugal is 66 years and 9 months. Enter your year and month of birth and your years of contributory career to see the month you reach that age, your personal retirement age, and whether you can retire early from 60 under the flexibility regime.
How it works
Choose a calculator
Pick the topic and the right tool for your question, across the categories.
Enter your numbers
Fill in the fields. The result updates as you type, with no buttons and no sign-up.
See the result and the formula
Each page shows the calculation, the official sources and a guide that goes deeper.
Learn the concepts
Each calculator links to a guide that explains the concept in plain language: what compound interest is, how IRS is calculated or how Euribor works. 37 guides, reviewed and dated.
See all guides →Why you can trust the numbers
Tested formulas: the math lives in functions with automated tests, not hand-written text.
Official sources: every rate or rule cites its source, such as the Autoridade Tributária, Banco de Portugal or Segurança Social.
Dates in plain sight: each page shows when it was published, updated and reviewed.
No advice: these are educational estimates, not investment recommendations.
