Calculators
Pick the question, then the calculation. Free, no sign-up.
17 calculators
Buying5 calculators
What does buying cost?
What you pay at the notary on top of the price, and the exemptions you may be owed.
- Transfer tax (IMT)The real cost: transfer tax, stamp, deed.
- Under-35 exemptionUnder 35: no transfer tax up to €330,539.
- Non-residentsThe flat 7.5% and the way to get it back.
- IMIThis year's IMI, and AIMI if it applies.
- CompletionEverything paid on the day, line by line.
Example A €300,000 home to live in
€13,317 on top of the price
Transfer tax €10,542Stamp duty and deed €2,775
Financing6 calculators
What will the bank cost me?
How far the budget stretches, what it costs a month, and when the rate resets.
- Where to buyHow far your budget goes, by municipality.
- MortgageThe payment, with no small print.
- Track mortgageThe next rate reset and the new payment.
- Repay earlyWhat you save, and how much sooner.
- RemortgageWhether moving bank pays, costs included.
- Debt ratioHow much of your income is committed.
Example A €240,000 mortgage over 30 years
€1,149 a month
Capital €240,000Interest to the end €173,563
Renting3 calculators
Is my rent right?
Whether the rent is fair, how much it rises this year, and whether buying beats it.
- Fair rentYour rent against the INE median.
- Rent or buyThe cost of each, for the years you stay.
- Rent updateCoefficient 1.0256. The new rent.
Example Two-bed in Lisbon
17% above the median
INE median €1,390Asking rent €1,630
Investing3 calculators
Is it worth investing?
What a let property actually leaves you, after tax and everything else.
- Buy-to-letWhat's left each month, after everything.
- Quick checkThree numbers. A verdict in 30 seconds.
- Capital gainsThe tax on a sale, works deducted.
Example Two-bed let in Lisbon
3.0% net
Gross 4.1%