Portugal Property Transfer Tax Calculator
Enter the property's value and see how much you'll pay in IMT and Stamp Duty at the deed signing -- with 2026's tables (mainland) and the IMT Jovem exemption.
How we calculated this
IMT uses a bracket table: we find the property value's bracket, multiply the value by that bracket's rate, and subtract the "parcela a abater" deduction (in the two highest brackets, the rate applies to the full value, with no deduction). Stamp Duty is always 0.8% of the same value. The IMT Jovem exemption, when it applies, zeroes both up to €330,539, or applies them only to the difference above that up to €660,982.
How the IMT brackets work
IMT isn't a flat rate on the full property value -- it's a bracket table, higher for a permanent own home than for a second home or other purchase (which already pays from the first euro, with no exempt bracket). Each bracket has a marginal rate and a "parcela a abater" deduction that corrects for applying that rate only to the slice of value within that bracket, not to the whole value. In the two highest brackets (above roughly €660,000 for a permanent home), there's no longer a deduction and the rate applies to the full value -- a deliberate rule for very high-value properties.
The IMT Jovem exemption
Anyone 35 or under buying their first permanent own home gets a full IMT and Stamp Duty exemption up to €330,539 (2026 value), and a partial exemption -- you only pay on the difference above that value -- up to €660,982. Above that, there's no benefit and the standard table applies. To qualify, you can't have owned any home in the last 3 years, nor be a dependent for IRS purposes in the year of purchase.
Other closing costs
Besides IMT and Stamp Duty, there are costs that aren't taxes but still add to the bill: the deed or private authenticated document, land registry (registering the purchase and, if there's a mortgage, the lien), and any bank fees tied to the mortgage. It's worth budgeting for these separately, since they vary depending on the notary or solicitor you choose.
What this calculator doesn't do
It only covers mainland Portugal -- Açores and Madeira have their own IMT tables, with different values. It doesn't model other specific exemptions (for example, resale within a real estate business activity, or urban rehabilitation), nor deed and registry costs, which vary case by case.
Frequently asked questions
Is IMT the only tax due at the deed signing?
No -- besides IMT, you always pay Stamp Duty (0.8% of the value), even when IMT is zero. On top of these come costs that aren't taxes: the deed or private authenticated document, land registry, and any bank fee if there's an associated mortgage.
How does the IMT Jovem exemption work?
If you're 35 or under, you're buying your first permanent own home, you're not a dependent for IRS purposes, and you haven't owned a home in the last 3 years, you get a full IMT and Stamp Duty exemption up to €330,539, and a partial exemption (you only pay on the difference above that value) up to €660,982. Above that, there's no benefit.
Is the value to use the deed price or the tax value?
It's always the higher of the two -- the price declared in the deed, or the property's Valor Patrimonial Tributário (VPT, its official tax value), whichever is higher. This calculator assumes you've already entered that reference value.
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Try it freeEstimate from 2026 IMT and Stamp Duty tables for mainland Portugal, not financial, legal or tax advice.