---
title: IMT & stamp duty calculator | Cavalcanti RealEstate Team
description: Estimate Portuguese property transfer tax (IMT) and stamp duty before you make an offer.
---
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Practical guide · updated 2026
## How much IMT do you pay when buying a home in Portugal?
**IMT** (property transfer tax) and **Stamp Duty** are the two main taxes due at the deed. The tax base is the higher of the purchase price and the VPT. The amount depends on purpose (primary residence, secondary/rental, shop or urban building, rural) and on exemptions such as the youth IMT regime. Use the calculator below for an instant estimate; this guide explains what sits behind the number.
### What IMT is
IMT is the transfer tax due when buying property in Portugal. It is not the agency fee and not the annual IMI. It is settled at the deed, usually in conveyancing.
### IMT vs Stamp Duty
They are separate taxes. IMT follows progressive tables by purpose and value. Stamp Duty on onerous property acquisition is typically **0.8%** on the same base (price or VPT, whichever is higher).
### Primary residence vs other purposes
**Primary permanent residence** uses progressive brackets, plus the youth IMT regime when eligible. **Secondary home or rental** uses the non-HPP housing table. A **shop, office, commercial space or urban building that is not housing** pays a flat **6.5%**. **Rural property** pays **5%**. “Other purposes” are not automatically more expensive: above about €1.15m on the mainland, housing reaches 7.5% — higher than the 6.5% non-housing rate. Picking the wrong purpose in the calculator skews the result — match it to real use at the deed.
### Youth IMT and exemptions
Exemption/reduction regimes exist (including for younger buyers on a primary residence, under current legal conditions). Rules change with the State Budget — always confirm eligibility before assuming an exemption.
### Other costs to budget with IMT
Beyond IMT + Stamp Duty, plan for notary/land registry fees, possible bank valuation, mortgage costs and brokerage if applicable. The CRT calculator covers IMT + Stamp Duty; notary, registry, lawyer and mortgage extras are in the [buying-costs guide](https://marketing.cavalcanti.team/en/portugal-property-buying-costs?hsLang=en).
### IMT FAQ
Are IMT and Stamp Duty the same?
No. IMT is the transfer tax; Stamp Duty (typically 0.8%) is added at the deed on the same base.
Is IMT charged on the price or the VPT?
On the **higher** of the two. If VPT exceeds the price, the base rises to the VPT.
Do foreigners also pay IMT?
Yes. Nationality does not remove IMT. What changes the amount is purpose, property value and any legal exemption.
Can I know the exact figure from the listing price alone?
You get a strong estimate. The final figure needs the current VPT, the correct purpose and the rules of the deed year.
Can Cavalcanti calculate IMT for me?
Yes — use the calculator on this page or speak with the team. We are Cavalcanti RealEstate Team (AMI 18470), an independent team powered by eXp Portugal.
General orientation — not tax, legal or banking advice. Confirm with qualified professionals. Cavalcanti RealEstate Team · AMI 18470.
[Talk to the team](https://marketing.cavalcanti.team/en/contact?hsLang=en)
For a purchase of **{price}** ({purpose}, {region}) with **{buyers}** buyer(s), the taxable base is **{taxable}**.
Indicative estimate (2026 tables). With two buyers, the young-buyer benefit applies only to who qualifies. IMT on a non-exempt share is the full-property virtual IMT times that ownership share (e.g. 50%). Stamp duty (0.8%) applies to the non-exempt share. Confirm the Tax Authority / notary assessment before completion.
Source: official IMT practical tables 2026. Stamp duty: 0.8% of the taxable base / share.
IMT calculator 2026
# How much IMT and stamp duty will you pay?
Estimate IMT and stamp duty in seconds — including the young-buyer regime and joint purchases.
1. 1 Purchase
2. 2 Email
3. 3 Result
Location \* — Mainland Portugal Azores / Madeira
Intended use \* — Primary permanent residence Secondary home or rental Shop / office / commercial space (non-residential) Urban building (whole property) Rural property
Purchase price (€) \*
Use the contract price. If you know the VPT and it is higher, also fill in the field below.
VPT — taxable property value (optional)
IMT is assessed on the higher of purchase price and VPT.
Number of buyers
1 2
Buyer 1
Age
Meets young-buyer IMT requirements?
i
Yes No
Over 35: the young-buyer regime does not apply — “Yes” is locked.
Buyer 2
Age
Meets young-buyer IMT requirements?
i
Yes No
Over 35: the young-buyer regime does not apply — “Yes” is locked.
You would pay in IMT + stamp duty
—
IMT: **—** Stamp duty: **—**
### Get the full breakdown by email
Leave your email to unlock the detail and keep the calculation.
Email \*
### Estimated purchase taxes
IMT
Stamp duty (0.8%)
Estimated total
[Talk to the CRT team](https://marketing.cavalcanti.team/en/contact?hsLang=en)
Back
Calculate and get the breakdown
Get the full breakdown by email
### Exemption criteria
Ă—
To benefit from the IMT and stamp duty exemption you must not:
- Be over 35 years old;
- Be considered a dependent for IRS purposes;
- Own a home;
- Own a share of a home;
- Have owned a home, or a share of a home, in the last three years.
For a full exemption, the property must not cost more than **€330,539** (2026 tables).
Properties above €330,539 and up to **€660,982** get a partial exemption from IMT and stamp duty.
Properties above €660,982 pay IMT and stamp duty in full.
[Get the full breakdown by email](https://marketing.cavalcanti.team/en/imt-stamp-duty#simulador-imt)
After IMT
## Will you need a Portuguese mortgage?
IMT and Stamp Duty are due at the deed, upfront. If you are buying a **home** (primary or secondary), the monthly payment is the other large number. The mortgage guide covers how banks look at the process — we are not a bank or credit intermediary.
[Open the mortgage guide](https://marketing.cavalcanti.team/en/mortgage-buying-home-portugal?hsLang=en)
Shop, office or commercial buildings are not home loans — talk to the team.
How much is your property worth?
How much is your property worth?
## Market valuation
[](https://marketing.cavalcanti.team/en/?hsLang=en)
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