How much is left of my pension
Pensions are subject to IRS withholding too — but on a scale of their own, gentler than the one for work. See what is left, with the 2026 figures.
Pensions do not pay into Social Security — that was paid during your working life. There is only IRS withholding, on a scale of its own and a gentler one.
Gross pension
IRS withholding
2,1% — an advance, settled in your tax return
Social Security
Pensions do not pay in
Stays with you
Figures and tables for 2026. Indicative result — confirmed by the bank and by the State services at the time of the transaction.
To use this simulator you need to know
- The gross amount of the pension
- Whether you are married and, if so, whether both of you have income
What this result includes — and what it does not
This result is indicative and is 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 — and our credit adviser checks them with you, at no cost.
Pensions do NOT pay into Social Security — that was paid during your working life. There is only IRS withholding, on a scale of its own: at the same amount, a pension withholds less than a salary.
Withholding is an advance on the year's IRS, settled in your return.
It applies to mainland Portugal and to pensioners without a disability. The Autonomous Regions and holders with a disability — including those of the Armed Forces — have scales of their own that are not here yet.
Frequently asked questions
These almost always come next
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IMT, Stamp Duty and the deed. The money nobody counts and that is missing at the end.
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The monthly instalment, the total interest and what the term does to both.
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The debt-to-income ratio, the instalment that fits and the house price it reaches.
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