E ExpaTax Start my free assessment →

Free Modelo 3 estimate: refund or owed, in 90 seconds.

Built for 2025 income, filed by 30 June 2026.

Get a refund-or-owed estimate using the official 2025 IRS brackets, the family quotient, and the standard credits. We estimate your IRS using the rates set by Lei 55-A/2025.

Anexo J, Categoria B, real-estate gains, and municipal surcharges are not modelled here. We will route you to a free assessment if you hit one. No email required.

About you

Three quick questions decide which rules apply.

* required

Were you a Portuguese tax resident in 2025?

183+ days in Portugal, or a habitual home here.

Which tax regime applies for 2025?

NHR closed to new applicants on 1 January 2024 (transitional window ended 31 March 2025). We do not verify eligibility. The calculator runs on what you select.

Filing status for 2025

Joint filers halve combined income, apply the brackets to the half, then double the result. Best for couples with unequal incomes.

Schedule: year 1 = 100% exempt, years 2–4 = 75%, years 5–7 = 50%, years 8–10 = 25%. Exempt portion capped at €28,737.50 (55 × IAS). Applies to Categoria A employment income only.

Income

Enter what applies. Leave the rest blank. All values in EUR.

Your gross 2025 salary including 13th/14th months and any bonuses. We apply the €4,462.15 specific deduction (8.54 × IAS) automatically, or your actual social security paid, whichever is higher.

Each spouse gets their own €4,462.15 specific deduction.

Annual Portuguese-source pension. Same €4,462.15 specific deduction as employment income.

Grandfathered for the remainder of your 10-year NHR window. Under IFICI, foreign pensions go through the standard progressive brackets. We surface that in the assessment, not modelled here.

Taxed at the autonomous flat rate of 28%. Englobamento (aggregating into progressive brackets) may be better if your marginal rate is below 28%. Our accountants check this in the assessment.

Default rate 25% for leases ≤5 years. Longer leases drop to 15% / 10% / 5%. Our accountants apply the right rate when they file.

Credits and family

Skip what doesn't apply. Caps apply per item and per household.

€600 each (doubled to €1,200 if both parents file jointly).

€726 each.

€525 each, or €635 if only one ascendant in the household.

We apply 15%, capped at €1,000 per household.

We apply 30%, capped at €800 (€1,100 in interior or autonomous regions).

We apply 15%, capped at €700, rising to €1,100 at very low incomes. Lease must be registered with AT.

Everything not in health, education, rent, or nursing-home. We apply 35%, capped at €250 (€500 joint).

Withholding

One last number: your IRS withholding for 2025. Then we will show your estimate.

The withholding total on your December payslip or annual employer summary. We subtract this from the IRS we calculated.

Methodology and sources