Your monthly budget

You enter what comes in each month, what goes out and what you already set aside. The tool adds it all up, draws where your money goes and works out your savings rate.

Everything is calculated in your browser: nothing is sent, there's no account and no cookie. Your lines stay in the open tab, then disappear when you close it.

From left to right: your income (each in its own colour), your monthly budget, then how it's split (investments in blue, each expense category in its own colour, and what's left free), and finally the detail line by line, in its category's colour.

The thicker a flow, the bigger the amount. Every name and amount is written next to its bar. On a phone, swipe the diagram to see the rest. The same figures are written further down, as text.

What actually lands in your account each month: your net salary, after IRS withholding and social contributions, a pension, rent you receive…

If a sum arrives in one go, like the subsídio de Natal (Christmas bonus), you can spread it over the year to get an average month.

Source: Código do IRS, art. 99 and 99-A (version of 4 November 2026)

In the “Expenses” tab, each category has its own card: fill in its lines and the diagram follows live. Tapping a block in the diagram also opens the right tab, on the right field. Start from your bank statements for a typical month; for a yearly bill (insurance, IMI property tax, a subscription), divide the yearly amount by twelve.

You can rename, add or remove any category and any expense: the starting ones are only examples.

It's the share of your income you set aside each month: your savings divided by your income.

For example, €150 set aside out of €1,500 of income is a 10% rate. It's a reference point for you, not a grade.

It's the gross household saving rate published by Eurostat for Portugal: 12.3% in 2025, a figure that is still provisional. It comes from the national accounts: the savings of all households divided by their disposable income, after tax and contributions.

It isn't calculated like your rate: it covers the whole country, with its own definition of saving. It helps you see where you stand, not set a target.

Source: Eurostat, table tec00131 "Household saving rate" (updated 28 October 2026)

It means your expenses and savings are higher than your income that month. The diagram then shows the gap on the left, in red.

It's information, not a judgement: one month with a big bill can be enough to explain it.

It's there to help you see clearly, not to tell you what to do.

If you already set aside a sum each month, you can see what it would become in four Portuguese savings options, tax included: the button under the result carries it into the questions, and you can change it.

Some do. With invoices under your tax number (NIF), 35% of everyday expenses can reduce your IRS, up to €250 per taxpayer.

Health, education, housing and care homes follow their own rules. The budget tool doesn't calculate these deductions.

Source: Código do IRS, art. 78-B (version of 4 November 2026)

In an account or a term deposit, deposits are guaranteed up to €100,000 per person and per bank, by the Fundo de Garantia de Depósitos.

Certificados de Aforro are issued by the State: a first subscription starts at €100. The comparison shows what each option would leave you after tax.

Sources: Fundo de Garantia de Depósitos, amounts guaranteed (accessed 14 November 2026) ; Portaria n.º 149-A/2023 and IGCP technical sheet for Certificados de Aforro series F (accessed 14 November 2026)