For freelancers on Cat B

Freelance in Portugal, without the accountant scramble.

Recibos verdes, quarterly IVA, annual Modelo 3 Anexo B, Segurança Social trimestrais. Finkavo preps the return, tracks the deadlines, and cites the CIRS / CIVA article each answer came from — so you file confident, not scared.

Try Finkavo Freelancer →

How it works: Finkavo prepares the pack — pre-fill, checklist, every deduction cited — so submission in Portal das Finanças takes minutes, not the whole weekend.

The loop

Your freelancer year, one loop

Q1 May 20
  • IVA quarterly return
  • e-Fatura expense sweep
  • Modelo 3 draft locks
Q1 filing Jun 30
  • Modelo 3 + Anexo B
  • Reference-multibanco ready
  • Anexo J / F if applicable
Q2 SS Jul 31
  • SS trimestral declaration
  • Recalculated contribution
Q2 IVA Aug 20
  • IVA quarterly return
  • VAT credit carryover check

Every quarter, sourced:

  • CIRS Art. 28º — Category B income
  • CIRS Art. 31º — Simplified regime
  • CIVA Art. 41º — Quarterly return deadline

Ready when you are

Stop guessing what Categoria B owes this quarter.

Start with Finkavo Freelancer →

What's included

What you get with Freelancer

Anexo B pre-fill

Finkavo pulls e-Fatura, categorises, and drops values into the right Anexo B field with the citation right there.

Quarterly IVA in <10 min

Every 3 months, one screen: IVA due, IVA collected, net. Cross-checked against your recibos verdes. Sign in Portal das Finanças.

Every reminder personalised

IVA quarter, SS trimestral, Modelo 3, IUC, e-Fatura. Sent to email + Google Calendar + Finkavo dashboard. Nothing generic.

Letter parser

Drop an AT / SS letter — Finkavo classifies, cites, drafts your reply, adds the deadline to your calendar. Under 30 seconds.

CAE + CIRS explained

Pick the right activity code + tax residency setup. Finkavo shows the freelancer regimes side by side (Simplificado vs Contabilidade Organizada).

Handoff to a contabilista when it's complex

Curated shortlist of certified contabilistas who work with freelancers. Handoff on your terms — no data shared without your action.

Straight answers

Freelancer FAQ

How does submission work?

Finkavo prepares the pack — pre-fill, checklist, every deduction cited — so submission in Portal das Finanças takes minutes, not the whole weekend.

What exactly is in the Freelancer plan?

Anexo B pre-fill from e-Fatura, quarterly IVA in under 10 minutes, personalised reminders for IVA, Segurança Social, Modelo 3 and IUC, an AT / SS letter parser, and CAE + CIRS guidance for choosing your regime.

Simplificado or Contabilidade Organizada — which regime am I on?

Finkavo shows both freelancer regimes side by side against your CAE and income, so you can see which one applies before you file.

What if my situation is too complex for software alone?

Finkavo hands off to a curated shortlist of certified contabilistas who work with freelancers — on your terms, no data shared without your action.

Cancel the scramble. Not the accountant.

Finkavo replaces the Q&A + reminders + letter-parsing an accountant does around your filing. Use both if you want the best of each — Finkavo for confidence, contabilista for signature.

Join the waitlist

First year in Portugal instead? See /for-first-year-arrivals. Full comparison + pricing at /pricing.