Tax Tools & Simulators 2026

HVR offers more than twenty free tax simulators updated for 2026, grouped into four topics: personal tax and self-employment, salaries, companies and corporate tax, and property and financing. They need no sign-up, run in your browser and explain the rules they apply. They are prepared by a certified accountant.

Personal tax, freelancers and expats

• Portugal IRS Calculator 2026 — works out refund or tax due, with dependants, tax credits and joint or separate filing.
• IRS Jovem Calculator 2026 — works out how much IRS Jovem saves you and your net pay with and without it.
• Green Receipts Simulator 2026 — works out a freelancer's Social Security contributions, IRS and VAT.
• VAT Exemption Calculator (art. 53) — works out whether you are under the €15,000 threshold of Article 53 of the VAT Code and how much you can still invoice.
• Simplified vs Organized Accounting 2026 — works out category B tax under both regimes and the expense level at which organised accounting wins.
• Freelancer vs Company 2026 — works out the tax burden of green receipts compared with a company, including corporate tax and dividends.
• IFICI 2026 Simulator — works out IRS with and without the IFICI regime for people moving to Portugal.

Salaries and HR

• Net Salary Simulator 2026 — works out net pay from gross, with IRS withholding, Social Security and the employer's cost.
• Hiring Cost Calculator 2026 — works out the full cost of an employee to the company, with employer Social Security, insurance and allowances.
• Meal Allowance Calculator 2026 — works out the meal allowance in cash or on a card, the net amount and the employer's cost.
• Holiday & Christmas Allowance Calculator — works out monthly pay with holiday and Christmas allowances paid in full or in twelfths.
• Sick Leave Calculator 2026 — works out the sickness benefit you receive while on sick leave.
• Severance Pay Calculator 2026 — works out termination compensation, notice periods and the tax-free portion.

Companies and corporate tax

• Portugal Corporate Tax Calculator 2026 — works out the year's corporate tax, at 15% on the first €50,000 for SMEs and 19% above (Article 87 of the Corporate Tax Code, Law 64/2025), surcharges and the Modelo 22 balance.
• IRC Payments on Account Calculator 2026 — works out the three payment-on-account instalments, at 80% or 95% of the prior year's tax (Article 105 of the Corporate Tax Code).
• Autonomous Taxation Simulator 2026 — works out autonomous taxation on cars, entertainment, travel allowances and other expenses (Article 88 of the Corporate Tax Code).
• Personal vs Company Vehicle Simulator — works out the cost of using your own car paid per kilometre compared with a company car.
• SIFIDE II Calculator 2026 — works out the R&D tax credit, with a 32.5% base rate on eligible expenses (Article 38 of the Tax Investment Code).
• Patent Box Calculator 2026 — works out the deduction from taxable profit on income from registered patents, industrial designs and software, up to 85% of net income and capped by the DQ/DT nexus ratio (Article 50.º-A CIRC).
• Break-Even & Margins Calculator — works out your break-even point, safety margin and operating result.
• SAF-T (PT) Checker — checks the SAF-T file structure, issuer tax number and document consistency, inside your browser.

Property and financing

• IMT Simulator 2026 — works out property transfer tax (IMT) and stamp duty on a main home, second home or other property.
• Property Capital Gains Simulator 2026 — works out IRS on selling a property, with inflation coefficients and reinvestment.
• Short-Term Rental Yield Calculator — works out the net yield of a short-term rental after platform fees, costs and IRS under the simplified regime.
• Financing Simulators — works out your mortgage payment with Euribor and spread, nominal rate, APR and amortisation table.

How to use the simulators

Each simulator asks only for the data it needs and shows the calculation step by step, so you can see where the result comes from. Rates, brackets and limits are reviewed when the law changes. Results are estimates: they do not cover every tax benefit, special regime or detail of your household or company, and they do not replace the tax return or a professional review.

When a result supports a decision with real impact, such as changing tax regime, setting up a company, hiring, or buying or selling property, it is worth confirming. HVR does that as part of its accounting for companies or in a one-off consultation; the first discovery call is free and can be booked on the contact page. See also the free resources, with a monthly closing checklist and a tax deadlines guide.