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How much do you take home? And how much do you cost the company?

Calculate your take-home pay using the current IRS tables, Social Security, meal allowance, bonuses and benefits, and see the total cost for the company.
  • Credit intermediary and insurance agent registered with BdP and ASF
  • Current withholding tables
  • Intermediation service at no cost to you
Proposed IRS cut, still subject to parliamentary approval. We’ll update the simulator once it’s approved and the new tables are published.

Two questions to find out how much you take home

€/month

Minimum wage in 2026 (Mainland): €920.
years

We use your age to see how much you can borrow for a home. Up to 35 years old, check IRS Jovem in “In detail”.
We assume you’re an employee in Mainland, single and with no dependants, with a meal allowance of €10.00 per day on a card. You can change everything under “In detail”.

How we calculate

We start from the gross salary and take off what the law requires, so you see what reaches your account and how much you cost the company.

  1. Social Security

    We deduct your share from the gross salary. On the company’s side, we add its share, to show the total cost.Legal rule · Código Contributivo, art.º 53.º

  2. The year’s IRS

    We calculate the annual tax with the brackets, the specific deduction, the minimum subsistence amount and, if you are entitled to it, IRS Jovem. We divide it by month. The actual withholding follows the tables in force, so the difference shows up as a refund or a payment on the tax return.Legal rule · CIRS, art.º 12.º-B, 25.º, 68.º and 70.º

  3. We show the net pay and the cost to the company

    We add the meal allowance and the twelfths, if you enter them.Your data

Illustrative cases

Illustration of Inês
Illustrative example

Inês was going to choose the offer with the higher salary. She did the math first.

She is 27 years old and received two job offers in Porto. The first pays €1,650 gross per month. The second pays €1,500, but adds a meal allowance on card and a health insurance policy given to the whole team.
  • Porto
  • 27 years old
  • Not married
  • No dependents
  • Offer A
    Gross
    €1,650
    Net per month
    €1,264.18
    Value per year
    €17,699
  • Offer B · the offer that pays off the most
    Gross
    €1,500
    Net per month
    €1,396.84
    Value per year
    €19,346

Net per month €1,396.84

Difference per year€1,647

Difference per year€1,647in favor of offer B, already including benefits
Illustrative case: character, amounts and conditions are fictitious. Amounts calculated by the simulator using the current withholding tables. Meal allowance on card of €10.455 per day, 22 days per month; health insurance of €480 per year, given to the whole team.
Illustration of Helena
Illustrative example

Helena wanted to give the team a raise. She found a way to give more for the same cost.

She is a managing partner of a company in Leiria with 12 employees and an average salary of €1,400. She was considering a raise of €50 per month for each person. Before deciding, she compared it with a group health insurance plan of €450 per year.
  • Leiria
  • 12 employees
  • Average salary of €1,400
  • Raise of €50/month
  • Insurance of €450/year
Per person per yearRaiseInsurance
Cost for the company€873€450
Reaches the employee€454€450
For every €100 spent€52€100

Annual cost of the insurance €5,400

Left over per year€5,079

Left over per year€5,079paying the insurance for the whole team
Annual cost of the raise€10,47912 people
Annual cost of the insurance€5,40012 people
Illustrative case: company, amounts and conditions are fictitious. A health insurance plan given to all employees is exempt from IRS and does not pay Social Security, either from the company or from the employee (Ordem dos Contabilistas Certificados, clarification “Seguro de saúde — funcionários”, of December 4, 2023). Premiums depend on the insurer and the composition of the team.
*Illustrative, non-binding example, with fictional characters and values that do not correspond to the offer of any credit institution. This does not constitute a credit offer and does not replace an assessment of each client’s personal and financial situation, nor the approval of the lending credit institution. TAN, TAEG and MTIC values are presented under the terms of Decree-Law no. 133/2009 and Banco de Portugal Notice no. 5/2024; the actual values are set out in the Standard European Consumer Credit Information provided by the lending credit institution. CrediSegur (CRRF – Brokerage, Lda.) — tied credit intermediary registered with Banco de Portugal under no. 0001290.

Myths

  • Myth“If I get a raise, I move up a bracket and end up earning less.”The higher rate only applies to the part of the income above the threshold. Close to the minimum wage, part of the raise may go to IRS because of the minimum subsistence amount, but the net pay does not go down.What to do: simulate the raise and see how much you keep.Source: CIRS, art.º 68.º and 70.º.
  • Myth“The IRS refund is a bonus.”It is tax you overpaid during the year that the State gives back to you, with no interest.What to do: confirm your family situation with your employer and gather your invoices in e-fatura.Source: CIRS, art.º 97.º et seq.
  • Depends“The meal allowance is tax-free.”It is exempt up to the daily limit set by law, which is higher on a card than in cash. Anything above the limit pays IRS and Social Security.What to do: check the daily amount and the payment method on your payslip.Source: CIRS, art.º 2.º, n.º 3, al. b), subal. 2).

The next step

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

Support from a CrediSegur manager

A CrediSegur manager follows your request with the institutions we work with. Our intermediation service has no cost for you.

Frequently asked questions

The gross amount is what you agreed with the company. The net amount is what you receive after Social Security contributions (11%) and IRS withholding.
On top of the salary, the company pays employer Social Security (23.75%), workers’ compensation insurance and any benefits it offers. The simulator adds everything up and shows how much reaches you out of every €100 the company spends on you.
No. Withholding is an advance payment of IRS, based on the 2026 tables. The final tax is calculated in the annual return: if too much was withheld, you get a refund; if too little, you pay the difference.
There is a proposal to lower IRS rates, still subject to approval. In “In detail” you can see how much it would change for you. We’ll update the simulator once it’s approved.
Yes. Up to €6.15 per day in cash or €10.455 on a card is exempt from IRS and Social Security; anything above that limit is taxed as salary.
If it is given to all employees, it is exempt from IRS (Article 2-A, no. 1, subparagraph e) of the CIRS) and is not subject to Social Security contributions, either from the company or from the employee (Ordem dos Contabilistas Certificados, clarification “Seguro de saúde — funcionários”, of December 4, 2023). If it is only for some, it is taxed as income in kind.
Official data verified on 10/20/2026 · Sources: Diário da República, Autoridade Tributária, Banco de Portugal, Segurança Social, Assembleia da República, JORAM (Madeira) · see sources
Important note: Informative simulation, using the IRS withholding tables for 2026 for the region you choose (Mainland: Despacho n.º 233-A/2026, de 6 de janeiro (DR, 2.ª série, n.º 3, suplemento); Azores: Despacho n.º 1179/2026, de 3 de fevereiro (DR, 2.ª série, n.º 23); Madeira: Despacho n.º 19/2026, de 20 de janeiro (JORAM, II série, n.º 13), retificado pela Declaração de Retificação n.º 10/2026, de 23 de janeiro (JORAM, II série, n.º 16)) and the data you provide. This is not tax advice: for your specific situation, speak with a certified accountant or the Tax Authority. It does not replace your employer’s payroll calculation. Withholding is an advance payment of the tax; the final amount is determined in the annual return. The company cost is an estimate and does not include autonomous taxation or corporate tax benefits. 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).