How this works
When you buy a home in Portugal, the price is only the start. On top come the IMT, stamp duty (on the purchase and, if any, on the loan), the registry act and the notary or solicitor costs. This calculator brings it all into one figure, using the official 2026 tax tables for mainland Portugal. The IMT and stamp duty are set by law; the registry and notary are editable estimates — adjust them to your real quote.
- 1
IMT — Municipal Transfer Tax
The heavyweight. It is banded and falls on the higher of the price or the VPT. For a main home the first slice (up to €106,346) is exempt; for a second home you pay from the first euro. I use the same official 2026 tables as the IMT Calculator here.
- 2
Stamp duty — purchase and loan
0.8% on the purchase (verba 1.1), always. With a loan you add the duty on the financed amount: 0.6% for terms of 5 years or more, 0.5% from 1 to 5 years. A home loan almost always lands at 0.6%.
- 3
Land registry
Registering the purchase at the registry costs €225 online (a set emolument). With a loan, the acquisition and the mortgage are registered together and the emolument rises to €450 online — so the default follows the loan choice. It stays editable: extra acts (multiple properties) add more.
- 4
Notary / solicitor
The deed or the "Casa Pronta" service, plus the fees of whoever runs the process. It varies a lot by professional — so it is an editable field with a starting estimate. Always ask for a quote.
Frequently asked
How much should I set aside beyond the house price?
It depends heavily on purpose and price. For a main home under €106,346, the extra costs are mostly just stamp duty (0.8%), registry and notary — it can stay at a few percent. Above that, or for a second home, the IMT jumps and the total usually lands between 4% and 8% of the price. This calculator shows the exact percentage for your case.
Is the base the price or the VPT?
IMT and the purchase stamp duty fall on the higher of the two — the deed price or the Taxable Asset Value (VPT) on the property register. In most purchases the price is higher, but if the VPT is greater that is what counts. Hence the VPT field; leave it blank if it is lower than the price.
Are the registry and notary figures exact?
The land registry is a set fee and reliable: €225 for the acquisition alone, €450 when the mortgage is registered too (online RERN emoluments). The notary/solicitor is an estimate — fees vary by professional and by deal, and the "Casa Pronta" service has its own costs. Both fields are editable: enter the real figures from your quote for an accurate total.
Does this include the agent commission or the bank valuation?
No. The agent commission is normally paid by the seller, not the buyer. The property valuation, the loan arrangement fee and insurance are bank costs that depend on the institution — I left them out so the estimate is not inflated by figures that vary bank to bank. This tool covers the tax and registration costs of the purchase.
Is there an exemption for buyers up to 35?
Yes — a first main home bought by someone up to 35 can be exempt from IMT and stamp duty up to €330,539. This calculator does not apply that youth scheme; if you qualify, check the conditions on the Portal das Finanças and subtract the IMT and purchase stamp duty from the total.
DISCLAIMER
Estimate for the 2026 tax year (mainland), using the official IMT tables (IMT Code, Article 17) and stamp duty (verbas 1.1 and 17.1). The registry (€225 without a loan, €450 with a mortgage) and notary are editable, approximate figures. It does not cover the Azores and Madeira, agent commission, bank valuation or fees, insurance, nor special schemes (buyers up to 35, urban rehabilitation, non-residents). Final figures are set by the Tax Authority, the registry and the bank. Not tax advice.