For first-year arrivals
Just arrived in Portugal? Your first IRS is 4 months away.
D7, D8, HQA, Startup, Golden Visa — the visa doesn't matter as much as knowing when your first Portuguese tax filing is due, what anexos you need, and whether IFICI or grandfathered NHR applies to you. Finkavo builds your first 12-month plan and reminds you when each thing is due, with the exact CIRS / LGT article for every answer.
How it works: Finkavo builds Anexo A and the Anexo J categories that apply to your income mix, plus your household on Quadro 6, cross-checked and cited — so you sign in Portal das Finanças, not start from a blank form.
The first year
Your first 12 months, mapped
Finkavo tells you which office you can walk into, what documents to bring, and pre-fills the AT address update letter.
Which centro de saúde covers your morada. EHIC vs Utente. If you brought family — how kids' health record transfers.
You may qualify for either — different criteria, different rate, different form. Finkavo checks against your visa + employment status + arrival date and shows you which to apply for.
Miss the 90-day window and you re-do theory + practical. Reminder fires at D-15, D-7, D-1.
From here, worldwide income is taxable in Portugal — but there's a treaty for that. Finkavo walks you through what to declare and how, with the CDT rules pre-cited.
Finkavo builds Anexo A and the Anexo J categories that apply to your income mix, plus your household on Quadro 6. Filed through Portal das Finanças; you sign.
Every deadline, sourced:
- CIRS Art. 16º — Tax residency (183-day rule)
- LGT Art. 19º — Fiscal domicile
- CIRS Art. 60º — Modelo 3 filing deadline
Ready when you are
Stop guessing what your first year owes.
Start my first-year plan →What's included
What you actually get
Ask cited to law
Every answer footnoted with the CIRS / CIVA / LGT / CPPT article. Never "the AI told me".
Letter → action pack
Drop an AT, SS, AIMA or bank letter — Finkavo classifies, cites, drafts your reply, adds the deadline to Google Calendar.
Personal calendar
IRS, IVA quarterlies, IUC, e-Fatura, IMT — every date on YOUR profile, in Finkavo + Google Calendar.
Encrypted vault
NIF, comprovativo de morada, passport, residence permit — encrypted at rest, opt-in AI use, exportable any time.
Portuguese by law
Finkavo cites the Portuguese source, then translates for you. Never a machine-translated summary passing as fact.
Send to a pro when it's complex
Curated shortlist of certified contabilistas who work with expats. No data shared without your explicit action.
Straight answers
First-year FAQ
How does Finkavo prepare my first Modelo 3?
Finkavo builds Anexo A and the Anexo J categories that apply to your income mix, plus your household on Quadro 6 — cross-checked and cited, so you sign in Portal das Finanças rather than starting from a blank form.
What exactly do I get in my first year?
Every answer cited to the CIRS / CIVA / LGT / CPPT article, a letter-to-action pack for AT / SS / AIMA / bank mail, a personal calendar for IRS / IVA / IUC / e-Fatura / IMT dates, an encrypted vault for your documents, Portuguese-sourced answers translated for you, and a handoff to a certified contabilista when it's complex.
NHR or IFICI — which one applies to me?
Both have different criteria, rates and forms. Finkavo checks your visa, employment status and arrival date around month 3 and shows you which one to apply for.
What if I miss the 90-day driving-licence exchange window?
Non-EU licences must be exchanged at IMT within 90 days of residency — miss it and you redo the theory and practical exams. Finkavo reminds you at D-15, D-7 and D-1 so it doesn't slip.
Start your first 12-month plan.
Three quick questions and Finkavo tees up the whole first year — deadlines in your calendar, letters you'll get pre-parsed, one place to ask when something new lands in the mailbox.
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