How the Social Security estimate is calculated

You don't need this to use the feature — it's here in case you want to check the amounts. 🧮

All calculations use amounts excluding VAT.

1Relevant income

70% of services + 20% of goods invoiced in the quarter.

2Monthly base

Relevant income ÷ 3 (with the voluntary adjustment, if any). It can't exceed the legal limit (12 × IAS; €6,445.56 in 2026).

3Monthly amount

Monthly base × your rate (21.4% for self-employed workers, 25.2% for sole traders/ENI). It can't be less than €20.

📌 Example

You invoiced €6,000 in services in one quarter, as a self-employed worker:

Relevant income 6,000 × 70%

€4,200

Monthly base 4,200 ÷ 3

€1,400

Monthly amount 1,400 × 21.4%

€299.60 / month

🎚️ Paying more or less (voluntary adjustment)

Social Security lets you pay a little more or less than the calculated amount — up to 25% up or down, in 5% steps.

In the Quarterly View, under Voluntary adjustment, use Decrease 5% and Increase 5% to see how your monthly amount would change.

  • The minimum (€20) and the cap always apply.

⚠️ This is only a simulation to help you decide. The actual adjustment is chosen in Segurança Social Direta when you declare.

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