Free Financial Tools

Free, no-signup calculators and simulators for anyone living and working in Portugal. The same numbers Otterbond uses internally.

Budget and savings

See how a starting balance and a monthly amount grow over time.

How much you need invested to live off it, and when you'll get there at your current pace.

Estimate your future state pension and how much you need to save to close the gap.

How much you should have set aside, and how many months until you get there.

The three buckets of your budget -- needs, wants, savings -- from your net salary.

What an amount was worth (or will be worth) in another year, with the INE series.

Depreciation, insurance, fuel, IUC, maintenance and financing, in a single monthly number.

How much you save in interest, and how much sooner you finish, by prepaying early.

What you'll pay at the deed signing, with 2026's tables and the IMT Jovem exemption.

Compare three ways to split rent and bills: 50/50, proportional, or equal leftover.

Go from gross to net (or the other way around) with 2026's official tables.

Estimate your net income as a freelancer, IRS and Social Security included.

Add or extract VAT from an amount, with 2026's rates for all three regions.

Estimate whether you'll get a refund or owe IRS, with 2026's brackets and limits.

Estimate the monthly amount and duration of the benefit, with 2026 limits and table.

What your overtime and night hours are worth, with the Código do Trabalho's supplements.

How much you'll receive per day and in total, with 2026's waiting period.

Your payment calendar: lump sum in June and November, or spread by duodécimos.