A simulation is more useful when you know where each figure comes from. Start with the purchase and sale documents, check each owner's circumstances and separate the gain calculation from any reinvestment assessment.
Gather the inputs before opening the calculator
Identify the sale year, tax residence, sellers and each owner's share. Mark figures that are still estimates, such as the price of a sale that has not yet happened.
- 01Acquisition
Purchase deed, date, tax acquisition value and evidence of taxes and registration costs. For an inheritance or gift, gather the relevant tax documents too.
- 02Sale
Contract or deed, date, value and share sold. Do not treat the full property price as an amount received in full by every co-owner.
- 03Costs and improvements
Organise invoices and evidence relating to acquisition, sale and improvements. Having an invoice does not automatically make a cost eligible.
- 04Loan and reinvestment
Identify the loan taken out to acquire the property sold, the repayment on sale and any amounts you intend to reinvest.
Check what each field means
The current taxable property value does not automatically replace the tax acquisition value. Inheritances, gifts and acquisitions at different dates may require a separate assessment.
Check the year and monetary correction coefficient used. The declared sale price may not be the only figure relevant for tax purposes.
Gain, taxable portion and tax are different amounts
The calculated capital gain is not the tax bill. The portion included for taxation depends on the circumstances; the 50% figure applicable in many cases is not a 50% tax rate.
Estimated tax may depend on other income and the applicable tax choices. If a field asks for taxable income, check that definition; do not confuse it with the property's sale price.
Use the estimate to prepare your decision
In the Doutor Finanças calculator, check that the year and reinvestment option match your circumstances. Keep the inputs and assumptions so you can compare scenarios.
If the tool does not represent your situation — for example, a specific regime, multiple owners or business use — confirm the treatment before deciding. A numerical result does not establish entitlement to a tax exclusion.
Useful tools and further reading
Doutor Finanças
Property capital gains calculator
Estimate the gain using your transaction details. Check the year and available reinvestment options; a result does not establish eligibility for a tax exclusion.
Open external toolVerified sources
Official information to check
General information reviewed against official sources available on September 16, 2026. It does not replace legal, tax, financial or technical advice for your circumstances.