Do the sums before deciding
Real numbers, with no commitment and without leaving your contact details. Use them to see where you stand — and then, if you want, we talk.
Free, with nothing in return
We charge you nothing and we pay nothing for you. We are paid by the bank when a case goes ahead — and so we have no interest whatsoever in inflating a figure.
Without leaving your contact details
The result appears as you type. There is no form halfway through, no compulsory email to see the figure, and nothing you type is sent anywhere.
Sums with the official tables
IMT, Stamp Duty and registration fees come from the IMT Code and the State Budget. The instalment uses the same formula as any bank, with the rate you enter.
Buying a home and credit
The sums that decide whether you go ahead, and with how much room.
How much it costs to buy a home
IMT, Stamp Duty and the deed. The money nobody counts and that is missing at the end.
Open simulatorWhat will my monthly instalment be?
The monthly instalment, the total interest and what the term does to both.
Open simulatorYour debt-to-income ratio and how much you can borrow
The debt-to-income ratio, the instalment that fits and the house price it reaches.
Open simulatorHow much do I save if I transfer my loan
The difference between what you pay today and what you could pay, monthly and in total.
Open simulatorWhat if you merged all your loans
The single instalment, how much lighter each month gets and what it costs in the end.
Open simulatorIs it worth amortizar?
Interest saved, the fee you pay, and which of the two choices earns more.
Open simulatorYour income
What actually lands in the account at the end of the month — and it is where the bank starts looking.
Not sure where to start?
Find your situation — we tell you which sum to do.
- I am going to buy and don't know if the money is enoughHow much it costs to buy a home
- I want to know what house I can getHow much can I ask the bank for
- I already have an offer and want to see the instalmentWhat will my instalment be
- I already pay a loan and I think I pay too muchHow much I save if I transfer
- I have several instalments and the month doesn't stretchWhat if you merged all your loans
- I have money set aside and don't know what to do with itIs it worth repaying early?
- I want to know what I really take home at the end of the monthHow much I really take home at the end of the month
- I am a pensioner and want to know what is left for meHow much is left of my pension
Frequently asked questions
Figures and tables for 2026. All results are indicative and are there to help you get your bearings: the final figures are confirmed by the bank and by the State services at the time of the transaction. Meu Crédito is a credit intermediary registered with the Banco de Portugal — it does not set rates or approve credit.