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.