FIZ loads your data from Portal das Finanças, asks for what is missing and calculates the refund or the tax. You see the result and confirm, and FIZ submits the declaration to AT.
For tax residents of Portugal with a salary, pension, recibos verdes under the simplified regime, rental income, investments or income from abroad. With or without a paid plan.
Free calculation · Paid only at the end · Card or MB WAY
FIZ submits the declaration after your confirmation
Your household and the income AT knows about come from Portal das Finanças. Invoices issued in FIZ go straight into the calculation.
FIZ asks for what is missing, such as rental income or income from abroad, and shows the refund or the tax to pay.
You see the result and confirm by paying for the service. After filing, FIZ shows the proof of submission and the declaration’s status.
When AT allows it, FIZ also runs the official simulation on Portal das Finanças and shows it next to its own calculation, with the difference.
For couples, FIZ shows the IRS filed jointly and separately; with non-habitual resident (NHR) or IFICI status, it compares the taxation options. The most favourable one is highlighted.
When AT runs the simulationPortal das Finanças simulation, obtained by FIZ
FIZ shows the PDF proof and the declaration’s status at AT (submitted, accepted or to be corrected), and refreshes the status when you ask.
If the declaration is filed on time, AT pays the refund by 31 August to the Portuguese IBAN given in the declaration. If there is tax to pay, AT issues a payment notice (nota de cobrança), to pay by Multibanco or online banking by the same date.
XML file to upload to Portal das FinançasAccepted by AT
FIZ asks what income you had in the year and picks the declaration’s annexes (anexos) from your answers. It works for tax residents of Portugal for the whole year and for people who moved to Portugal during the year.
FIZ does not prepare the declaration of anyone with organised accounting (contabilidade organizada) or of non-residents, and some special cases are also left out. In those cases, FIZ says so at the step concerned.
Situations outside FIZFIZ loads from AT the salaries, pensions and tax withheld reported by whoever paid you. On salaries, you can opt for IRS Jovem if you are eligible.
Conditions and exceptionsThe invoices you issue in FIZ and in other software count at their amount before IVA, with tax withheld and Seg. Social contributions. FIZ applies your activity’s coefficient.
Conditions and exceptionsFIZ includes the rental income and the tax withheld. You can add it to your other income (englobamento) or have it taxed at the flat rate (taxa autónoma), and FIZ calculates the IRS with the option you choose.
Conditions and exceptionsFIZ includes interest, dividends, fund distributions and crypto-asset income, the sale of a property in Portugal and of crypto-assets held 365 days or more.
Conditions and exceptionsFIZ includes salaries, pensions, rental income, investments and capital gains from another country, and accounts abroad. It reads reports from Interactive Brokers, Degiro, Freedom and Revolut.
Conditions and exceptionsFIZ loads your NHR status from AT and asks about IFICI. It then calculates the IRS with and without the regime and highlights the more favourable option.
Conditions and exceptionsFIZ loads the data of both partners, with dependants and certified disability.
Conditions and exceptionsFaturas and faturas‑recibo count by issue date, at their amount before IVA, including those you issued in other software: FIZ takes them from e‑Fatura.
The invoices you issue in FIZ go into Anexo B automatically, on the Base plan too.
The coefficient depends on the activity: 0.75 for the professions in the table of Article 151, 0.35 for other services and 0.15 for sales, restaurants and hotels. In the first two years of activity, the 0.75 and 0.35 coefficients can be lower.
| Income | Amount |
|---|---|
| Services (Article 151 table)0.75 | 18,400.00 € |
| Tax withheld at source | 4,232.00 € |
| Seg. Social contributions | 2,756.32 € |
24 invoices included
For the declaration of last year’s income, in any FIZ account, with or without a paid plan.
Free calculation · Paid only at the end · Card or MB WAY
Calculate my IRSFrom 1 April to 30 June of the year after the income year, even if 30 June falls on a weekend or a public holiday. FIZ prepares the declaration for last year’s income.
From Portal das Finanças: your personal data, household, salaries and pensions, self-employed activity, payments on account and NHR status.
From FIZ and e‑Fatura, the year’s invoices; from Seg. Social, the contributions paid. When loading this data, FIZ only reads it and changes nothing on the portals. Before submitting, you can correct any amount and see where each one came from.
Whenever AT runs it, next to FIZ’s calculation and with the difference. AT does not run it for declarations with foreign income other than pensions, or with NHR or IFICI status: in those cases, FIZ shows only its own calculation.
Faturas and faturas‑recibo issued in FIZ count by issue date, even if not yet paid, at their amount before IVA and net of credit notes. From e‑Fatura, FIZ adds the invoices you issued in other software. It also counts the tax withheld at source and the contributions paid to Seg. Social.
In the year the activity starts, the 0.75 and 0.35 coefficients drop by 50%, and in the next year by 25%, provided you have no salary or pension in those years and closed no activity in the previous 5 years.
Seg. Social contributions, in the part above 10% of gross income from services, reduce taxable income. For services with a 0.75 or 0.35 coefficient, if the fixed deduction and the business expenses do not reach 15% of that income, the difference is added to taxable income. FIZ shows whether they are enough and how much is added.
FIZ loads both spouses’ data into one declaration and shows how much you would pay or get back filing jointly and separately. Dependants and certified disability are included too.
To file separately, each spouse uses their own FIZ account, and FIZ prepares and submits each one’s declaration. In FIZ, joint filing is available when both spouses were resident in Portugal for the same period.
AT does, with the expenses it holds in e‑Fatura, when it assesses the IRS. FIZ shows these amounts in the calculation, so you can see how much they reduce the tax.
In Anexo J: salaries, pensions, self-employment, rental income, interest, dividends and capital gains from another country, and bank accounts abroad. FIZ reads reports from Interactive Brokers, Degiro, Freedom and Revolut and fills in the amounts; other brokers’ amounts are entered by hand.
FIZ deducts the tax paid in the other country, within the limits set by law. With NHR or IFICI status, it compares the 20% rate with englobamento and with taxation without the regime.
Anyone aged up to 35 who is not a dependant, has no tax debts (situação tributária regularizada) and has not benefited from the non-habitual resident regime, IFICI or the former residents’ regime. The exemption lasts up to 10 years; the exempt share for each year and an annual cap are set by law.
In FIZ, IRS Jovem applies to salaries, from Portugal or from abroad.
Organised accounting (Anexo C), tax transparency (Anexo D), the tax benefits of Anexo H and non-residents. In Anexo G: the sale of shares, company stakes or fund units, the sale of crypto-assets held under 365 days and the exclusion for reinvesting in your own home. Made through a foreign broker, these sales go into Anexo J, which FIZ includes.
Also IRS Jovem on recibos verdes, some special cases of rental income and income from abroad, and joint filing with a non-resident spouse. In those cases, FIZ says so at the step concerned and refers you to support or to a certified accountant.
At the end, when you submit the declaration through FIZ or download the XML file, by card or MB WAY. The calculation, AT’s simulation and the comparison of options are free. The service is paid separately from FIZ plans, and the price, IVA included, is in the “Price” section.
The payment is valid until 31 December of the year you make it: until then, replacement declarations (de substituição) are included.
Yes. Instead of submitting through FIZ, you can download the declaration’s XML file (Modelo 3), in AT’s format, and upload it at irs.portaldasfinancas.gov.pt; FIZ explains the steps. The service payment is the same in both cases.
By the PDF proof of submission, which FIZ shows right after the declaration is submitted. AT usually processes it within a few days; the status then changes to accepted or to be corrected, and FIZ refreshes it whenever you ask.
Yes. Change the data in FIZ and confirm, and FIZ submits a replacement declaration (de substituição), included in your payment until 31 December of the year you paid.
When AT flags discrepancies in a filed declaration, the replacement is filed on Portal das Finanças, as AT requires, and FIZ prepares the XML file for it.
When AT offers it on Portal das Finanças: you can confirm the provisional declaration, and if you do not, it counts as filed when the deadline ends. For recibos verdes, it only covers people in a profession on the table of Article 151 who issue all their invoices and receipts on Portal das Finanças.
If you invoice in FIZ, have rental income or income from abroad, or moved to Portugal during the year, you need the Modelo 3 declaration: FIZ prepares and submits it.
Yes. In the company account, you can create an IRS profile for each personal NIF: yours and those of people on your team. Each profile stays separate from the company, with its own declaration and payment.
Portuguese, English, Russian, Ukrainian, French and Spanish: the questions, explanations and calculation appear in the language you choose in FIZ.