For property owners & landlords
Own property in Portugal? Know what you owe, before you owe it.
IMI every year, IMT when you buy, rental income under Categoria F (or B if you run it as a business) and capital gains under G when you sell. Finkavo calculates each one, cites the article and reminds you before the deadline.
How it works: Finkavo calculates what you owe on IMI, IMT, rental income, and capital gains, cites the article, and reminds you in time: you submit via Portal das Finanças or your contabilista.
What you owe
Four taxes, one owner
- VPT × municipal rate, 0.3%: 0.45% (CIMI Art 112)
- Paid in 1-3 installments (May 31, Aug 31, Nov 30) depending on the total (CIMI Art 120)
- AIMI adicional above €600k VPT per owner, €1.2M for a couple taxed jointly (CIMI Art 135-A, K)
- One-time: assessed before the deed and paid within 30 days of the assessment (CIMT Art 22, 36)
- Tax base is the higher of price or VPT (CIMT Art 12)
- Housing scale up to 7.5%, flat above €1,150,853 (CIMT Art 17), plus 0.8% Imposto do Selo
- Housing rent received in 2026 up to €2,300/month: temporary 10% autonomous rate, unless a lower rate applies (EBF Art 45-C)
- Otherwise the housing base rate is 25%; confirmed permanent-housing duration relief can reach 5%, and the same housing provisions apply to non-residents (CIRS Art 72)
- Run it like a business (e.g. alojamento local): Categoria B, regime simplificado (CIRS Art 31)
- Gain = sale price − cost − improvements (CIRS Art 43)
- Sale price floor is the VPT (CIRS Art 44)
- Primary-residence reinvestment can exempt the gain (CIRS Art 10 nº 5-6)
Every number, sourced:
- CIMI Art. 112º: Municipal urban rate
- CIMT Art. 17º: Bracket scale
- CIRS Art. 43º: Capital-gain formula
Ready when you are
Stop guessing what your property owes this year.
Start with Finkavo Landlord →What's included
What you get with Landlord
IMI + AIMI calculator
VPT × municipal rate, the 1-3 installment schedule, and the AIMI adicional overlay if your portfolio clears €600k per owner, every line cited to CIMI.
IMT + Imposto de Selo calculator
Know the exact bill before you sign (tax base, bracket, exemptions where they apply) cited to CIMT.
Rental income: Cat. F or Cat. B
Finkavo shows both regimes side by side against how you actually rent (long-term lease or alojamento local) so you see which applies before you file.
Mais-valias (capital gains) calculator
Gain, VPT floor, the 50% reduction, and the primary-residence reinvestment check: modelled and cited to CIRS, for Portuguese or foreign property.
Every reminder personalised, plus a letter parser
IMI installments, IMT at purchase, Modelo 3 for Cat. F / G: sent to email + Google Calendar + Finkavo dashboard. Drop an AT / AIMI notice and Finkavo classifies it, cites the article, and drafts your reply.
Encrypted vault, and a contabilista when it's complex
Store your caderneta predial and improvement invoices, encrypted, exportable anytime. Multiple properties or a foreign sale? Finkavo hands off to a curated shortlist of certified contabilistas.
Straight answers
Landlord FAQ
How does Finkavo handle IMI and IMT?
Finkavo calculates what you owe, cites the CIMI / CIMT article behind it, and reminds you before the deadline: you submit via Portal das Finanças or your contabilista.
What exactly is in the Landlord plan?
An IMI + AIMI calculator, an IMT + Imposto de Selo calculator, a rental-income calculator that shows Categoria F and Categoria B side by side, a mais-valias (capital gains) calculator, personalised reminders for every deadline, an AT / AIMI letter parser, and an encrypted vault for your caderneta predial and invoices.
Categoria F or Categoria B for my rental income, which applies to me?
Finkavo shows both side by side against how you actually rent, a long-term lease points to Categoria F, running it like a business (for example alojamento local) points to Categoria B under the regime simplificado, so you see which applies before you file.
What if I have multiple properties, AIMI, or a foreign-property sale?
Finkavo hands off to a curated shortlist of certified contabilistas who work with property owners, on your terms, no data shared without your action.
Know the bill. Before AT sends it.
Finkavo replaces the spreadsheet, the reminders and the letter triage for IMI, IMT, rent and capital gains. Keep a contabilista for the filing if you want one.
Join the waitlistFreelancer instead? See /for-freelancers. Just arrived? See /for-first-year-arrivals. Full comparison + pricing at /pricing.