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Find the money you can free up and see how much it’s worth over time

Your Mortgage, insurance and energy bills are where families can save the most without changing their lifestyle. Find out how much you can free up per month and how much that money will be worth when you need it: for a down payment on a home, your next car or retirement.
  • Credit Intermediary and Insurance Mediator registered with BdP and ASF
  • No personal data needed to simulate
  • Intermediation service at no cost to you

Three questions to see how much you can save

€

€/month

years

We’ll assume a moderate profile (4.5% per year, hypothetical), applied to in a PPR (insurance), with that product’s tax under the legal rules, and the reference inflation rate. We don’t deduct product fees, which reduce the final amount. You can change everything in “In detail”.

Start with what weighs most on your budget

Each review frees up money every month. If you wish, we can then show you savings insurance (PPR in the form of insurance and capitalisation insurance).
  • CreditMortgage Credit TransferCompare conditions and see how much you can lower your monthly payment, including consolidating other loans.See Mortgage Credit Transfer
  • InsuranceInsurance reviewLife, home, auto and health: the same coverage, with revised premiums.See Insurance Review
  • EnergySolar panels and electric mobilityProduce your own energy and cut the cost of every mile, with an analysis of your consumption.See solar panels and electric mobility
  • SavingsPPR (insurance) and retirement solutionsApply the money you free up into a PPR in the form of insurance, with an IRS deduction under the legal conditions.Learn more about PPR (insurance)

How we calculate

We add up what you already have, what you set aside every month and the return that money keeps generating, year after year.

  1. We add up what you set aside

    The starting amount and the monthly contributions, over the term you chose.Your data

  2. We apply a hypothetical return

    We use the profile you chose (conservative, moderate or dynamic), compounded monthly: what it earns in one month starts earning in the next. It is not a promise of return.Assumption

  3. We take off taxes and inflation

    We deduct the tax on the gain when you redeem and show the value in today’s euros, using the reference inflation.Legal rule · CIRS, art.º 71.º and 72.º; Assumption

Illustrative cases

Illustration: Ana and Miguel
Illustrative example

Ana and Miguel didn’t start earning more. They started spending better.

She is 37 and a nurse; he is 39 and a sales technician. They live in Braga with two children. They used to save “whatever was left at the end of the month” — and there was never anything left. Instead of cutting back on everyday life, they reviewed their fixed expenses.
The diagnosis: five expenses they were paying without thinking about them
ExpenseWhat they didPer month
Mortgagetransferred+€33
Consumer creditconsolidated into the mortgage+€146
Insurancereviewed+€19
Carswitched to electric+€181
Home energysolar panels+€43
Freed up per month+€422
They put €5,000 upfront into a PPR (insurance) and, every month, the €422 they freed up plus €100 from their own pocket. Moderate profile, 4.5% per year (assumption). Redemption at age 64, under the legal conditions of the PPR.

In today’s money €103,818

At age 64, net€206,057

At age 64, net
€206,057
versus €66,840 without reviewing expenses
In today’s money
€103,818
with 2.8% annual inflation
Retirement supplement
€1,092/month
for 20 years
Illustration: Sofia
Illustrative example

Sofia wanted to buy a home “when she had the money”. Now she has a date.

She is 29, a designer, and lives in a rented one-bedroom apartment in Évora. She had money set aside and the idea of buying a two-bedroom place, without knowing how much she needed or when. In the simulator, she chose the goal “Buy a home” and a five-year timeframe.

Already has €4,000

Needs to save€3,348

A home costing €180,000 at today’s prices will cost around €217,947 in 2031. For the down payment and purchase costs, she needs to save €3,348.The €4,000 she already has are enough for the down payment and costs, assuming the young Mortgage; the loan is always subject to the bank’s approval.With Crédito Habitação Jovem, the down payment can be financed with a public State guarantee, subject to approval by the credit institution.
*Illustrative, non-binding example, with fictional characters and values, purely indicative and subject to confirmation. It does not constitute an insurance offer, nor does it replace the analysis of each client’s personal situation or the insurer’s acceptance of the risk. Under the information duty set out in Law no. 7/2019, of January 16 (legal framework for insurance distribution). CrediSegur (CRRF Brokerage, Lda.) — Insurance Agent registered with the ASF under no. 421571530, for the Life and Non-Life branches, under a commercial agreement with Seguramos – Corretores de Seguros, S.A. In the event of a dispute, the client may resort to CIMPAS — Centro de Informação, Mediação e Arbitragem de Seguros. Illustrative case: characters, amounts and conditions are fictional and only serve to show how the simulator works. Consolidation secured by the home is subject to property appraisal and approval by the credit institution. Rate and premium reductions and energy costs are assumptions and not conditions offered by any institution. Returns are hypothetical and not guaranteed; amounts already reflect the tax on PPR redemption. Illustrative case: character, amounts and conditions are fictitious and are only meant to show how the simulator works, using the IMT tables in force, property appreciation estimated by CrediSegur and a hypothetical return that is not guaranteed. Granting of credit is subject to approval by the credit institution.

Myths

  • Myth“Saving is only worth it once I earn more.”Time matters more than the amount. Someone who starts early with little can build up more than someone who starts late with a lot.What to do: set a fixed, automatic amount, however small, right after payday.Source: the simulator’s calculation.
  • Depends“A term deposit protects my money.”The capital is protected by the Deposit Guarantee Fund up to the limit per depositor and per bank. But if the rate after tax is lower than inflation, you lose purchasing power.What to do: compare the net rate with inflation and use the deposit for your emergency fund.Source: RGICSF, art.º 166.º.
  • Myth“What paid off in recent years will pay off in the next ones.”Past returns do not guarantee future returns. That is why the simulator uses hypothetical profiles.What to do: choose the profile by your time frame and the risk you can bear, not by last year.Source: CMVM, Portal do Investidor.

The next step

You already have this answer. Keep going — each tool prepares the next decision.

Review your expenses, with no intermediation costs

A CrediSegur manager reviews your Mortgage, insurance and energy with you and shows you how much you can free up per month.

Frequently asked questions

You enter how much you have today, how much you set aside, and for how long. The simulator calculates, month by month, the interest, tax, and total amount accumulated. In the “How much do I need to save?” mode, you enter your goal and find out how much to set aside per month.
It’s interest on interest: the interest from each period is added to the principal and also starts earning. The longer the money stays invested, the stronger the effect. With simple interest, only the initial principal earns a return.
Yes. On deposits, the withholding tax rate of 28% is deducted at each interest payment; on accumulation funds and ETFs, the same rate applies to capital gains at redemption. On capitalisation insurance, the effective rate falls as the contract term increases. On PPR, redemptions under the legal conditions (for example, from age 60) are taxed at an effective rate of 8%, and contributions give you an IRS tax credit of 20%, with age-based limits.
A lower rate reduces your monthly payment. The difference, invested every month, starts earning compound interest. The simulator subtracts the transfer costs and tells you how long it takes to recover them.
It depends on the policies. By reviewing life, home, auto, and health insurance, it’s common to find the same coverage with lower premiums. The simulator uses a typical reduction, which is an assumption and not a condition offered by any insurer.
At retirement, the accumulated amount can be withdrawn gradually. The simulator calculates a monthly supplement that runs down the balance over the number of years you choose, with the remaining balance continuing to earn a prudent rate of return.
Official data verified on 10/20/2026 · Sources: Diário da República, Autoridade Tributária, Banco de Portugal, INE, ERSE, DGEG, Segurança Social, Assembleia da República · see sourcesData from INE – Portugal, reused under the CC BY 4.0 licence.
Important note: Informative simulation, based on the figures you provide. It is not a contractual offer, investment recommendation, or financial advice. The profile returns are generic assumptions, before product fees, not conditions of specific products; these projections are not a reliable indicator of future results and products with market exposure can lose capital. The savings on credit, insurance, and energy are estimates based on your figures: rate and premium reductions are not conditions offered by any institution and depend on analysis and approval; extending a credit term can increase the total cost. Tax follows the general rules for each product for residents in Portugal (Art.º 71.º e 72.º do CIRS). The cost of the home includes the down payment, IMT, and Stamp Duty in force (with IMT Jovem up to age 35 for those who meet the conditions) and deed, registration, and bank costs. Source of assumptions (in Portuguese): Perfis de rendibilidade: estimativa CrediSegur; inflação de referência: Banco Mundial, IPC de Portugal (via FRED), taxa média anual composta 2000–2025 (2,1 %). CRRF – BROKERAGE, LDA (CrediSegur) is a tied Credit Intermediary registered with Banco de Portugal (no. 0001290) and an Insurance Mediator registered with ASF (no. 421571530).