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Rather not do this yourself? A certified accountant will do it for you, start to finish.
Mortgage
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About this calculator
Compare mortgage offers, monthly payment, total cost, LTV, DSTI, stamp duty and stress-rate affordability.
Credit habitation planning with the bank costs visible.
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 anyone comparing Portuguese mortgage offers who wants the monthly payment, the total cost and the stress case side by side.
What it covers
- Monthly payment
- LTV / DSTI
- Offer compare
- Stress test
Questions about this calculator
What do the banks not show me?
The total: monthly payment, LTV and DSTI, the overall cost with charges included, and the stamp duty on the loan. The calculator puts them beside the rate.
What is the stress test?
The payment recalculated at a higher rate, showing whether the instalment still fits your income. An offer that only fits at today's rate fails it.
Can I compare more than one offer?
Yes - that is the point. Offers are compared on the same inputs, so the difference you see is the offer and not the property.
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.