For complex Modelo 3 filers
Foreign income? A household? Complex doesn't mean confusing.
Domestic salary or pension, foreign employment or business, foreign pensions, dividends, interest, crypto, rental income — plus a spouse, dependents, and shared-custody kids on the Rosto. Finkavo works out which annexes your return needs and builds every one, each line cited to the CIRS article behind it.
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, interest, and crypto disposals from foreign accounts and exchanges all land in Anexo J Categoria E.
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:
- CIRS Anexo A — domestic employment & pensions
- CIRS Anexo J — foreign-source income (Cat. A/B/E/F/H)
- CIRS 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?
Both land in Anexo J Categoria E, alongside interest — foreign-source capital income, one annex, cited to CIRS.
Every annex, every citation. Nothing left out.
Finkavo replaces the field-by-field guesswork of a mixed-income, multi-annex return with a pack that's already sorted, categorised, and cited. Use it alongside a contabilista if you want the best of each — Finkavo for confidence, contabilista for signature.
Join the waitlistSimpler situation — just recibos verdes on Cat B? See /for-freelancers. Full comparison + pricing at /pricing.