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Taxpert
Portugal · 2026

Portugal Tax Calculator 2026

Configure your income across every IRS category and see your most tax-efficient outcome — including any special regime you qualify for (NHR legacy, IFICI, IRS Jovem). All calculations run in your browser; nothing leaves the page.

No account required Runs in your browser Your data never leaves this page Free, forever

Private by design

Your numbers never leave your browser — no account, no server, no cookies.

How?

All tax calculations run as JavaScript directly in your browser. No data is transmitted to any server. Your inputs are saved only to your browser's localStorage so they persist on refresh — they never leave your device.

Page-view analytics use Umami, which is cookieless and GDPR-compliant. No personal data is collected.

Quick start — pre-fills the form as an example. You can freely edit any field or combine income types.

Personal Details

Special Regime

Active special tax regime, if any.

Cat. A — Employment

Salary income.

Cat. B — Self-Employment

Freelance / business income.

Cat. E — Investment

Dividends and interest.

Cat. F — Rental

Up to 3 rental units.

No rentals.

Foreign Rental

Cat. G — Capital Gains

Foreign Capital Gains (Annex J)

Cat. H — Pensions

Deductions & Credits

Strategies

IFICI / NHR 2.0 — 20% Flat Rate

Art. 58-A EBF, Portaria 352/2024

Inactive

NHR Legacy — Foreign Income Exemption

Art. 16(8)–(12) CIRS (transitional)

Inactive

NHR Legacy — 10% Foreign Pension

Art. 72(12) CIRS

Inactive

IRS Jovem — Youth Exemption

Art. 2-B CIRS

Inactive

Simplified Regime (Cat. B)

Art. 31 CIRS

Inactive

Long-Term Rental Reduction

Art. 72(2)–(5) CIRS

Inactive

Moderate-Rent Program — 10% Rate

Art. 72(2) CIRS

Inactive

Crypto ≥ 1 Year — Exempt

Art. 10(1)(k) + (19) CIRS

Inactive

Flat 28% on Investment Income

Art. 72(1) CIRS

Inactive

PPR Contribution Credit

Art. 21 EBF

Inactive

Donation Credit

Art. 63 EBF

Inactive

Foreign Tax Credit (DTT)

Art. 81 CIRS

Inactive

Tax breakdown

Best route per category

Gross income
0 €
IRS due
0 €
Solidarity surcharge
0 €
Municipal IRS credit
0 €
Social security
0 €
Total tax
0 €
Net income
0 €
Effective rate
0,0%
Cat.IncomeGrossRouteRateTax
EInvestment0 €Flat28,0%0 €
FRental0 €Flat—0 €
GCapital gains0 €Flat28,0%0 €
HPensions0 €Aggregated—0 €

Rates on aggregated categories are net of 4462 € in personal deductions & credits, so the Tax column reconciles with IRS due.

How the Portugal tax calculator works

Enter your income, pick a residency regime, and the calculator estimates your 2026 Portuguese IRS in real time. It applies the nine progressive 2026 IRS brackets, the solidarity surcharge, the family quotient for couples and dependants, and the municipal IRS retention rate for your concelho. Nothing is sent to a server — every calculation runs locally in your browser, so your income figures never leave the page.

What's included

  • All six IRS income categories — A (employment), B (self-employment), E (investment), F (rental), G (capital gains) and H (pensions).
  • Every special regime: Standard IRS, IFICI (NHR 2.0), NHR Legacy and IRS Jovem — calculated side by side so you can see which one minimises your bill.
  • The solidarity surcharge, dependant credits, the family quotient, and municipal IRS retention across all 292 municipalities with published 2026 rates.
  • Social Security contributions for employees and the self-employed, so you see your true take-home figure.

What you can calculate

The calculator serves several common scenarios from a single tool — there's no separate page to find:

  • Net salary calculator — enter gross Category A employment income to see your IRS withholding, Social Security, and monthly take-home pay.
  • Self-employed & freelancer tax — model Category B income under the simplified regime or organised accounts, including the activity coefficient. See the freelancer tax guide for the full walkthrough.
  • NHR / IFICI tax — apply the 20% flat rate on qualifying income and compare it against the progressive scale. Read how the IFICI regime works.
  • Retiree & pension tax — model Category H pension income, including foreign pensions under NHR Legacy. See the retiree tax guide.

Worked example

A single employee earning €50,000 of gross Category A income in Lisbon reaches the 44.6% marginal bracket, but pays an effective IRS rate of roughly 22–25% once the bracket structure, deductions and municipal retention are applied. Switching the same income to the IFICI 20% flat rate — if they qualify — can cut the effective rate by several percentage points. Enter your own numbers above to see the exact figures for your situation, or compare every regime side by side.

Frequently asked questions

Is the Portugal tax calculator free?

Yes — completely free, with no account, signup, or payment. It runs entirely in your browser and your income data never leaves the page.

Is it accurate for the 2026 tax year?

It uses the 2026 IRS brackets, the solidarity surcharge, the family quotient, dependant credits, and the published municipal IRS rates. Results are estimates for planning — not a substitute for advice from a certified accountant.

Which regimes does it cover?

Standard IRS, IFICI (NHR 2.0), NHR Legacy, and IRS Jovem — each calculated side by side so you can see which minimises your tax.

Can it calculate my net salary?

Yes. Enter your gross employment income and it estimates your IRS withholding, Social Security, and take-home net salary for 2026.

Does it work for freelancers and the self-employed?

Yes. Category B income is supported under both the simplified regime and organised accounts, including the activity coefficient and Social Security for self-employed workers.