Monthly payment is not the return
Use the payment to calculate DSCR and cash flow. A bank approval does not prove that a rental property is a good investment.
Mortgage calculator
Portugal Mortgage Calculator.
Estimate monthly debt service before you make an offer. Use the payment output in your DSCR, break-even rent, and cash-on-cash model.
How to use it
Start with the loan, then test the property.
Stress the rate
Run the same deal at rates one point higher. If the DSCR breaks, negotiate the price or use less debt.
Connect to tax
After debt, test rental income tax and IMI before you trust cash-on-cash return.
FAQ
Common questions.
What is this Portugal mortgage calculator for?
It estimates monthly principal and interest, loan amount, total interest, and a quick DSCR signal for rental investors.
Does it include tax and insurance?
It includes a simple annual operating-cost field, but you should model taxes separately for final underwriting.
Can non-residents use it?
Yes. Non-resident investors can use it for scenario planning before confirming bank terms.
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