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Early repayment
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About this calculator
Pay a lump off your mortgage and see both choices side by side: a smaller instalment, or the same instalment for fewer years.
The choice your bank does not offer.
Free, no account and no card. Every figure shows the rule it came from, for the 2026 income year.
Who this calculator is for
For mortgage holders with savings to deploy who must choose between a smaller instalment and a shorter loan.
What it covers
- Both options
- Interest saved
- Statutory fee
- Years removed
Questions about this calculator
Which option should I pick?
The calculator shows both - a smaller instalment, or the same instalment for fewer years - with the interest each one saves, so the choice is arithmetic and not guesswork.
Does the bank charge for it?
Early repayment carries the statutory fee where one applies, and the comparison includes that fee instead of quoting the saving gross.
How many years does it cut?
That depends on the lump, the rate and what remains of the loan. The result states the years removed for your contract, not an average.
Read the rules behind it
- Taxes in Portugal: what you actually pay in 2026
- The Portuguese tax calendar for 2026, month by month
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An estimate from the inputs given, not a filed position. Anything submitted to the Autoridade Tributária or Segurança Social through Taxovate is reviewed by a qualified accountant first.