Standard
Full englobamento
- Gross income
- 90 000 €
- IRS due
- 27 351 €
- Solidarity surcharge
- 250 €
- Municipal IRS credit
- −1368 €
- Social security
- 9350 €
- Total tax
- 35 583 €
- Net income
- 54 417 €
- Effective rate
- 39,5%
Portuguese Tax Optimizer
Compare two tax strategies side-by-side. Configure your income across every IRS category and see how much you would pay under a standard structure vs. an optimized one — including any special regime you qualify for (NHR legacy, IFICI, IRS Jovem). All calculations run in your browser; nothing leaves the page.
Annual tax savings
10 083 €
840 €/month · effective-rate delta 11,2%
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.
Cat. G — Capital Gains
Cat. H — Pensions
Deductions & Credits
Social Security
Auto-calculated from Cat. A/B unless overridden.
Optimized
Best route per category
- Gross income
- 90 000 €
- IRS due
- 17 000 €
- Solidarity surcharge
- 0 €
- Municipal IRS credit
- −850 €
- Social security
- 9350 €
- Total tax
- 25 500 €
- Net income
- 64 500 €
- Effective rate
- 28,3%
Tax & net income comparison
Standard taxOptimized taxNet income
| Cat. | Income | Gross | Route | Rate | Tax |
|---|---|---|---|---|---|
| A | Employment | 85 000 € | Regime flat | 20,0% | 17 000 € |
| B | Self-employment | 0 € | Aggregated | — | 0 € |
| E | Investment | 5000 € | Regime exempt | 28,0% | 0 € |
| F | Rental | 0 € | Flat | — | 0 € |
| G | Capital gains | 0 € | Flat | 28,0% | 0 € |
| H | Pensions | 0 € | Aggregated | — | 0 € |
Strategies
IFICI / NHR 2.0 — 20% Flat Rate
Art. 58-A EBF, Portaria 352/2024
Active · saving money
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
Active · saving money
PPR Contribution Credit
Art. 21 EBF
Inactive
Donation Credit
Art. 63 EBF
Inactive
Foreign Tax Credit (DTT)
Art. 81 CIRS
Inactive