Portugal · Freelancers on Cat B · 2026

Portugal life-admin, finally clear.

Pick the version that fits you: Just arrived · first-year IRS → Freelancer on Cat B → Property owner / landlord → D7 / D8 remote worker → NHR / IFICI eligibility → Complex Modelo 3 →

The pack

Four obligations,
one concrete pack.

01
Recibos verdes Quarterly IVA + IRS invoicing for freelancers on Cat B.
02
IVA quarterlies Every Q1–Q4 declaration, with deadlines and thresholds.
03
Modelo 3 Annual IRS with every anexo — cited to the exact CIRS article.
04
AT letters Notificação triage with a step-by-step Portal walkthrough.

Every step cited to the exact CIRS · CIVA · LGT article — filing-ready PDF at the end.

Ask, cited, in seconds.

ASK

Do I qualify for IFICI as a software engineer?

● More details needed · Eligibility has multiple conditions

Software engineering can qualify, but the job title alone is not enough.

Software engineering can be an eligible highly qualified profession, but your employer, qualifications, experience, residency history, and applicable IFICI route must also qualify. Before estimating confidence, I need your prior Portuguese tax-residency history, role and qualifications, employer and its CAE, and the route you intend to use.

●Portaria 352/2024/1Official ●Portal das Finanças · IFICI FAQOfficial ●EBF · Art. 58.º-AOfficial

SEM

Without Finkavo,
it's a paper avalanche.

COM

With Finkavo,
it's one clear answer.

Same tax year. Same profile. One workspace that already read the law.

vs. ChatGPT. vs. your accountant.

The honest side-by-side — what each actually does well.

	Finkavo	General-purpose AI	Local accountant
Cited PT law (CIRS, CIVA, LGT, CPPT)	✓Every claim	✕Freeform, no citations	✓In-person
Same-day freshness (2026 IFICI, NHR grandfather, minimum wage)	✓Daily crawl	✕Training cutoff	✓If they read the alerts
Drop an AT / SS / AIMA letter → structured action pack	✓<30 seconds	~Manual paste + no dates	~Wait for a meeting
Personal calendar reminders (IVA, SS, IUC, e-Fatura, IRS)	✓Push + email + Google Cal	✕None	~Emails around deadline
Bilingual PT/EN (English UI, Portuguese law)	✓Day one	~Translation, not legal	~Depends on the accountant
Files your Modelo 3 / IVA return directly with AT	~Prepares the pack, you submit	✕No	✓Full service
Your data isn't training corporate AI	✓Encrypted vault, opt-in AI	~Opt-out complex	✓Human-only
Handoff to a certified contabilista when it gets complex	✓Curated shortlist	✕None	✓They ARE the accountant

Finkavo replaces the Q&A + reminders + letter-parsing an accountant does around your filing — while keeping the supporting Portuguese rules visible. It prepares the pack, not the filing itself. Use both if you want the best of each.

Real output · redacted

Not another chatbot.

A redacted artifact a signed-in user sees today. Every citation is clickable through to the source.

Action plan · letter parsed

AT — Notificação de divergências (redacted).

Autoridade Tributária e Aduaneira Notificação de divergências — IRS 2024 Contribuinte: ••• ••• 456 Deverá regularizar a sua situação no prazo de 15 dias…

Sender: AT (Autoridade Tributária)
Type: Notification — divergences
Deadline: 30 Jul 2026 (10 days)
Subject: IRS Modelo 3 2024 — divergências

If ignored: Coima 375 €–22 500 €, juros de mora, execução fiscal.

RGIT art. 116.º LGT art. 44.º Portal das Finanças

Step 1 · Ask

Just ask.

Type it the way you'd ask a friend. The assistant already knows your residency, income type, and dependents — so the answer is about your case, not a general rulebook.

Step 2 · Receipt

Every answer shows its work.

Every claim points at the exact Portaria, Decreto‑Lei, or Portal das Finanças article. No paraphrasing, no vibes.

Portaria 352/2024/1Official

Portal das FinançasOfficial

EBF · Art. 58.º-AOfficial

Step 3 · Calendar

Deadlines you'll actually catch.

Modelo 3, IVA quarterly, Segurança Social, IMI, AIMA. All on one calendar. Reminders three weeks and one day out.

PRAZOS

It's not just IRS.

Around IRS: IVA, Segurança Social, IMI, IFICI, AIMA. All year, one view.

Built for every Portugal life-admin moment.

Whether you just landed with a D7, run a freelance shop out of Lisbon, or filed here for twenty years — Finkavo covers your Portugal side. Bilingual PT and EN, sourced from official law.

Recém-chegado

Newly arrived in Portugal

NHR grandfather and IFICI eligibility checks, cited to the CIRS article, not vibes
Ready-made letter templates for AIMA, morada fiscal change, and NHR inscription
First-six-months checklist: NIF, número de utente, banking KYC signals for non-residents
Regional rules for Madeira and Açores autonomous tax regimes
Doc triage: upload any AIMA notice and get deadline, risk, and reply draft
Track visa renewal, AIMA appointment, first Modelo 3 as living obligations

Trabalhador independente

Freelancers on recibos verdes

CAE code finder, recibos verdes eligibility, IVA and take-home calculators
e-Fatura CSV import plus broker imports for ten PT and foreign brokers
Cessação de atividade and SS regularização letter templates, filled from your profile
Cash set-aside estimate for IRS + IVA + Segurança Social in one place
Quarter-close copilot: e-Fatura + IVA + SS + ready-to-file pack in one guided flow
Modelo 3 filing pack tuned to Category B with per-annex rationale

Senhorios e compradores

Property owners, landlords, buyers

IMT plus Imposto de Selo purchase-tax calculator including the jovens exemption
Mais-valias (capital gains) calculator for Portuguese and foreign property
Rental Category F: arrendamento comunicação, Cat F declaration, deductible costs
Letter templates: IMI habitação própria, IMI alteração de uso, alojamento local
ARU rehabilitation benefits, property fraction rules, Golden Visa post-Mais Habitação
End-to-end rental contract registration walkthrough with AT model 2

Trabalhador dependente

Employees and regular residents

Take-home, IRS net, and IRS Jovem savings calculators with 2026 rules
Filing readiness aware of your CAE and CIRS classification
Letter templates: reclamação graciosa, recurso hierárquico, Modelo 3 substituição, prestações
Google Calendar sync for every IRS deadline, without leaving the app
Modelo 3 filing pack: applicable annexes, missing docs, Portal das Finanças steps, accountant-ready brief
Dashboard shows the three actions you owe this week, from real data not a directory

Rendimentos estrangeiros

Residents with foreign income

DTA relief calculator — retention rates, credit versus exemption, Anexo J walkthrough
CDT (Convenções para Evitar Dupla Tributação) coverage for the top expat countries: US, UK, DE, FR, BR, ES, CH, NL, CA
AT procedure guide: certificate of residence 21-RFI, foreign tax credit path
Full 79-country CDT coverage with per-treaty article summaries
Foreign pension declaration (Category H) with double-tax handling
Cross-border A1 certificate helper for temporary work in another EU state

Agregado familiar

Households and families

Ask questions with spouse and dependent context baked into the answer
Calendar reminders for the whole household, not just the account holder
Household mode: obligations tracked per member with clear ownership
Joint Modelo 3 filing pack for spouses with pre-computed cross-references
Shared accountant read-access via magic-link with expiring OTP
School enrolment guide for expat children (DGE and DGES)

1 / 6

Sourced from official Portuguese authorities

AT AIMA Segurança Social SNS IMT IRN ERSE IEFP BdP CMVM CAAD DGSI

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Every answer is sourced from official Portuguese law and government portals — AT, AIMA, Segurança Social, SNS, IMT, IRN. Join the waitlist — we're finishing pre-launch audits and will email you when we open.

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