For complex Modelo 3 filers
Foreign income? A household? Complex doesn't mean confusing.
Salary, pensions, foreign income, dividends, crypto and rent, plus a spouse and dependents. Finkavo works out which annexes your return needs and builds each one, every line cited to the CIRS.
How it works: Finkavo builds the complete pack ( every annex, every field, every citation) so submission in Portal das Finanças is the easy part.
What Finkavo builds
Whatever your income mix, the right annexes
Anexo A: employment & pension
Your salary or pension from a Portuguese employer slots straight into Anexo A, no manual field-hunting.
Anexo J: foreign employment & business
Working for a foreign employer or running a business abroad? Finkavo builds Anexo J Categoria A or B, with the right country code.
Anexo J: foreign pensions
A pension paid from outside Portugal goes into Anexo J Categoria H, cited to the CIRS article that governs it.
Anexo J: foreign capital income
Dividends and interest from foreign accounts land in Anexo J Categoria E. Selling crypto-assets is a capital gain, declared in Anexo J table 9 (Categoria G), not here.
Anexo J: foreign rental income
Renting out a place abroad? Anexo J Categoria F picks up the rental income, line by line.
Quadro 6: agregado familiar
Spouse, dependents, afilhados civis, even shared-custody children: Finkavo fills Quadro 6 on the Rosto so your household is accurate before you file.
Every annex, sourced:
- Modelo 3 Anexo A: domestic employment & pensions
- Modelo 3 Anexo J: foreign-source income (Cat. A/B/E/F/H)
- Modelo 3 Quadro 6: agregado familiar
Ready when you are
Stop guessing which annexes your return actually needs.
Start with Finkavo →What's included
What you get for a complex return
Every annex your income actually needs
Add a foreign pension this year, a rental next year: Finkavo builds only the annexes your real income mix calls for, nothing pre-set.
e-Fatura pull & categorisation
Finkavo pulls your e-Fatura invoices and sorts them into the right income category automatically, domestic or foreign.
Household on the Rosto
Spouse, dependents, afilhados civis, shared custody: add your agregado once, and Finkavo keeps Quadro 6 current every year.
Encrypted vault for foreign statements
Foreign pension letters, broker exports, rental statements: stored end-to-end encrypted. Only you hold the key.
AT / SS letter parser
Drop a letter from the AT or Segurança Social, Finkavo classifies it, cites the rule, drafts a reply, and adds the deadline to your calendar.
Handoff to a contabilista when it's complex
Curated shortlist of certified contabilistas who handle cross-border and household-heavy returns. Handoff on your terms: no data shared without your action.
Straight answers
Modelo 3 FAQ
Does this cover me if I have foreign rental income AND a dependent?
Yes: that's the actual differentiator. Foreign rental income goes into Anexo J Categoria F, your dependent goes into Quadro 6 on the Rosto, and Finkavo builds both in the same return.
How does submission work?
Finkavo builds the complete pack (every annex, every field, every citation) so submission in Portal das Finanças is the easy part.
I have foreign employment income, not a foreign business: does that matter?
Yes, and Finkavo handles the distinction. Foreign employment income goes into Anexo J Categoria A; foreign business or professional income goes into Categoria B. Finkavo places each in the right one.
What about crypto or foreign dividends?
Foreign dividends land in Anexo J Categoria E, alongside interest. Selling crypto-assets is a capital gain, so it goes in Anexo J table 9 (Categoria G); only payments arising from crypto operations, such as rewards, are Categoria E.
Every annex, every citation. Nothing left out.
Finkavo turns a mixed-income, multi-annex return into a pack that's sorted, categorised and cited. Keep a contabilista too if you want one to sign.
Join the waitlistSimpler situation: just recibos verdes on Cat B? See /for-freelancers. Full comparison + pricing at /pricing.