Before you commit to buying a property in Portugal, it helps to know the real cost — not just the asking price, but everything stacked on top of it. This calculator estimates your total cost of buying, including transfer tax (IMT), stamp duty, legal and registry fees, and any mortgage costs, then shows your ongoing annual taxes too. Enter a few details about the property and your situation, and you’ll get a full breakdown in seconds.
What this includes. Your estimate covers the main one-off costs of buying: IMT (property transfer tax, adjusted for your residency, the type of property, and your age), the 0.8% stamp duty, legal and due-diligence fees, notary and land registry charges, an optional pre-purchase inspection, and — if you’re financing — your mortgage’s stamp duty, arrangement fee, valuation, and deed registration. It also estimates your annual IMI (municipal property tax) and flags AIMI, the surcharge that applies only to higher-value properties.
What it doesn’t include. This is the cost of the transaction, not the cost of relocating. It doesn’t cover the things that vary too much from person to person: currency-exchange costs on transferring your money, trips to Portugal to view and sign, removals and new furniture, getting your NIF (tax number) and opening a bank account, or ongoing condominium fees, insurance, and utilities. We’ve written a full guide to those in [How much does buying a property in Portugal really cost?]. It also doesn’t calculate monthly mortgage repayments, which depend on your rate and term.
A note on accuracy. The figures are indicative estimates based on 2026 mainland Portugal rules. Your exact costs depend on the property’s official tax value (VPT) and your personal circumstances, so always confirm with a qualified Portuguese lawyer before committing.
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