Simulate your credit. Anonymously and with no commitment.
Four calculators built on the same criteria I apply in my own analysis. They give you a solid first reading of the figures. After that, if you want, we go through the numbers together.
never decides a
loan. It simply
starts the process."
Mortgage Instalment
Work out the monthly instalment on your mortgage and see how much interest you will pay by the end of the contract.
- My service is free to you. The bank pays me.
- I analyse offers from ten partner banks.
- Tell me what you need once. I handle the rest, all the way to the deed.
- Credit, insurance and the house, all followed by me from start to finish.
Property and loan details
Result
Return analysis · Investment
When granting credit the bank does not look only at the instalment. It also weighs the debt service-to-income ratio (DSTI), which as a rule should not exceed 45%. This calculator does not work that out, because it does not ask for your income or your other loans. Answer within 24 h, no obligation.
Debt-to-Income Ratio
Work out how much of your income is already committed to credit and compare it with the limit recommended by the Bank of Portugal (45%, since 2026).
- Compared with the Bank of Portugal limit (45%).
- I do not look at your credit history.
- If the number is frightening, there is always something to be done.
- No sign-up, no obligation.
Monthly income
Monthly commitments
Indicative valuesThis calculator does not replace the sensitivity assessment carried out by the lender. The bank also looks at job stability, credit history and other factors. Indicative values. They do not constitute binding advice.
Result
Under Macroprudential Recommendation no. 1/2026 of the Bank of Portugal, in force since 1 August 2026, the DSTI ratio should as a rule not exceed 45%, with limited exceptions allowed. The ratings are those of the Pedro Fernandes calculator, not of the Bank of Portugal. The result is indicative only and does not replace the sensitivity assessment carried out by a lender.
Mortgage Transfer
Compare your mortgage with what is available today on the instalment, the insurance and the interest to the end, with the cost of moving already deducted.
- Net figures, with the cost of moving included.
- I also tell you when it is not worth it.
- Ten partner banks analysed.
- I handle the move end to end.
The house and the borrowers
Dates of birth
Monthly insurance (life and home)
Result
| Current | New | Difference | |
|---|---|---|---|
| Rate (TAN) | — | — | — |
| Instalment | — | — | — |
| Monthly insurancean estimate, not proportional, and it varies with age | — | — | — |
| Total monthly payment | — | — | — |
| Interest to the endover what remains of the 15 years | — | — | — |
An indicative simulation. The final offer depends on the lender. The APR and the total cost of both offers should be compared before the final decision.
- Fill in the fields alongside to get a tailored reading of your transfer.
On comparable transfers, the typical saving fell between 60 € and 150 € a month.
The classic model calculates. Pedro's reading interprets, drawing on a history of cases. In the real process the analysis is validated in person, with every document on the table.
Net Salary
Work out your net salary in 2026, with income tax and social security already deducted.
- 2026 withholding tables.
- No sign-up, no personal data.
- This is the number your debt-to-income ratio comes from.
- Under a minute, start to finish.
Indicative values. They do not constitute binding advice.
Result
Withholding tables for 2026 (Order no. 352-A/2024, projected). Withholding is only a payment on account. The final income tax depends on the annual return.
Two questions before
you trust the simulation.
Are the calculators free?
The calculators are free. They collect no personal data and keep no history. Use them whenever you need. I only learn anything about you if you contact me.
Are the figures exact?
They are a reference, not an offer. The calculator uses the French method, with a constant instalment, and applies the monthly average Euribor published by the ECB. The final figure depends on each bank’s spread, the insurance, the arrangement fees and the property valuation. To get the real figure your case has to go in front of the banks, and that is what I do for you.