PTIncome tax · 2026

🇵🇹 Portugal Investment Calculator

Calculate your Portugal investment calculator for the 2026 tax year. Get an instant breakdown of tax bands, rates, deductions, social contributions, and your net take-home pay.

Your details

Initial investment

€

Monthly Contribution

€

Expected Annual Return (%)

Investment Period (years)

Compounding Frequency

NHR RegimeNon-Habitual Resident regime may exempt foreign-source investment income from Portuguese tax for 10 years.

Tax year

2026Current

Estimates only. Calculations run in your browser. This is not financial advice — confirm with a qualified adviser before acting.

Net amount

€94,982.59

Effective rate5.6%

Marginal rate28%

Net amount €94,982.59Income tax €55,531.38

Income tax breakdown

€55,531.38

YearRateContributionGrowth

Year 17%€0.00€3,975.95

Year 27%€0.00€4,263.38

Year 37%€0.00€4,571.58

Year 47%€0.00€4,902.06

Year 57%€0.00€5,256.43

Year 67%€0.00€5,636.41

Year 77%€0.00€6,043.87

Year 87%€0.00€6,480.78

Year 97%€0.00€6,949.28

Year 107%€0.00€7,451.64

Initial investment€55,000.00

Income tax− €55,531.38

Net amount€94,982.59

Estimates for the 2026 tax year. Last updated 2026-02-01. This is not financial advice — confirm with a qualified adviser before acting.

Important notes

Portugal applies a flat rate of 28% on capital gains and investment income. Alternatively, gains can be included in general taxable income at progressive rates if more favourable.
This projection assumes a constant annual return and does not account for inflation, fees, or market volatility.