IRS Simulator 2025

Estimate your income tax now!

With our personal income tax (IRS) simulator for 2025, you can estimate deductions based on: your 2024 income, your expenses (healthcare, retirement savings plans, donations, among others), and the Public Capitalisation Scheme in the direct tax deductions.

Fill in the fields below and let the calculator do the math for you!
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Personal information

Type of taxation
Tax municipality
Para casados ou unidos de facto que declaram o IRS em conjunto, caso possuam moradas fiscais distintas, o município será o da pessoa que submeter a declaração.
Dependents aged 3 or under
Dependents aged between 4 and 6
Dependents aged 6 or over
Dependentes com invalidez

Taxable income - taxpayer A

Annual gross amounts
Annual gross income
Annual gross income
Total pay an employee receives before any deductions for tax or other deductions.
Alimony payments
Alimony payments
A monthly benefit, payable by the person who is left without parental custody, which ensures the support of children of separated parents.
Withholding tax
Withholding tax
Mechanism whereby part of an employee's earnings is withheld by the employer, on behalf of the state, at the time they are paid, in order to fulfil tax or other obligations.
Specific deductions
0
Specific deductions
Expenses, specific to each person's type of income, which can be deducted from the personal income tax bill, reducing the amount of tax payable.
Youth IRS?
Age
With disability status for IRS purposes?

Tax credits - taxpayer A

Income below the subsistence minimum is exempt from IRS, ensuring that no one pays tax if they earn less than the necessary amount to live, in accordance with Article 70 of the IRS Code.

Enter the total amount of annual expenses.
General and family expenses

Valor máximo de 250€

General and family expenses
This category includes household and everyday expenses, such as gas, water, electricity, household appliances, supermarket shopping, telecommunications, fuel and clothing, among others.
Health and health insurance

Valor máximo de 250€

Education and training

Valor máximo de 250€

Food allowances
Nursing home costs

Valor máximo de 250€

Invoice requirement

Valor máximo de 250€

Invoice requirement
Enter the net value of this deduction. If you have any doubts about this, we explain everything in the FAQ on the subject.
Property costs

Valor máximo de 250€

Other expenses
Other expenses
Other deductions that can be taken into account, such as expenses for relatives in the ascending line who are part of the household and expenses for people with disabilities. You can find more information in the FAQs below.
PPR

Valor máximo de 250€

Donations (total amount donated)
Public Capitalisation Scheme (amount invested)

Valor máximo de 250€

Income - taxpayer B

Annual gross amounts
Annual gross income
Annual gross income
Total pay an employee receives before any deductions for tax or other deductions.
Alimony payments
Alimony payments
A monthly benefit, payable by the person who is left without parental custody, which ensures the support of children of separated parents.
Withholding tax
Withholding tax
Mechanism whereby part of an employee's earnings is withheld by the employer, on behalf of the state, at the time they are paid, in order to fulfil tax or other obligations.
Specific deductions
0
Specific deductions
Expenses, specific to each person's type of income, which can be deducted from the personal income tax bill, reducing the amount of tax payable.
Youth IRS?
Age
With disability status for IRS purposes?

Tax credits - taxpayer B

Income below the subsistence minimum is exempt from IRS, ensuring that no one pays tax if they earn less than the necessary amount to live, in accordance with Article 70 of the IRS Code.

Enter the total amount of annual expenses.
General and family expenses

Valor máximo de 250€

General and family expenses
This category includes household and everyday expenses, such as gas, water, electricity, household appliances, supermarket shopping, telecommunications, fuel and clothing, among others.
Health and health insurance

Valor máximo de 250€

Education and training

Valor máximo de 250€

Food allowances
Nursing home costs

Valor máximo de 250€

Invoice requirement

Valor máximo de 250€

Property costs

Valor máximo de 250€

Other expenses
Other expenses
Other deductions that can be taken into account, such as expenses for relatives in the ascending line who are part of the household and expenses for people with disabilities. You can find more information in the FAQs below.
PPR

Valor máximo de 250€

Donations (total amount donated)
Public Capitalisation Scheme (amount invested)

Valor máximo de 250€

Simulation results

No tax payable or refundable
€0
Income below the subsistence minimum is exempt from IRS, ensuring that no one pays tax if they earn less than the necessary amount to live, in accordance with Article 70 of the IRS Code.
Net tax due
€0
Withholding tax
€0
Deductions from tax due
€0
Municipal benefit
€0
Total income
€0
Specific deductions
€0
Taxable income
€0
Tax-exempt income subject to aggregation (Youth IRS)
€0
Family quotient
1
Income subject to tax rate
€0
Assessed amount
€0
Portion to subtract from tax
€0
Additional tax rate
€0
Tax under autonomous regime
€0
Tax on exempt income (Youth IRS)
€0
Tax calculated
€0

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IRS brackets (article 68 of CIRS), tax year 2024

Frequently Asked Questions

What is the Coverflex IRS simulator for?
What are tax deductions ("deduções à coleta") and how do they affect your IRS amount?
Which types of income must be declared in the IRS return?
What are IRS brackets (“escalões”)?
What is withholding tax (“retenção na fonte”)?
Are IRS brackets and withholding tables the same thing?
How is the IRS return submitted?
Is withholding tax mandatory?
Is it mandatory to file the IRS return?
What are specific deductions and how are they calculated?
What is the difference between specific deductions and tax deductions ("deduções à coleta")?
What is Youth IRS ("IRS Jovem")?
What are the phases of the IRS refund process?
What is the formula used to calculate IRS?
What is the difference between a PPR and the Public Capitalisation Scheme?
I'm married but file taxes separately. How should I fill in the simulator?
Is it better to file jointly or separately?
Where can I find my gross annual income?
What can I include under the “Other Expenses” category?
What are the key IRS deadlines in 2025?
What happens if I miss the deadlines?
How does the VAT deduction work in the context of income tax (IRS) in Portugal?

How would you rate your experience using the simulator?

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1 This amount is an estimate, based on data from platform usage, and not a guarantee. The actual savings per employee that the use of the Coverflex solution allows the company depends on the monthly amount of Coverflex benefits that the company decides to allocate to each employee.

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