What would you really keep, once Portuguese tax is paid?
Certificados de Aforro, term deposits, PPR or ETFs: answer six questions and we'll do the maths with 2026 tax rules.
Free, no account, no email. Your answers stay in your browser: even we can't see them.
Six questions, one minute.
What you start with, what you add each month, your age, how long, the drops you can live with and where you pay tax.
Four investments, tax included.
Listed from least to most risky, never by what they earn. For each one, what you'd keep in a pessimistic, median or optimistic scenario.
Your assumptions, year by year.
Change the return, the term or the contributions, and follow with your finger what you'd keep each year.
Example screens, calculated by the simulator: €10,000 to start with and €200 a month for 10 years, at age 52, median scenario.
Every figure has a source.
Tax rules come from official Portuguese texts. Example returns come from the ECB, Banco de Portugal, APFIPP and MSCI.
See how we calculateEducational information, not investment advice. The figures are estimates to help you understand, not promises.
Run my numbers