Sell & Buy a Home Calculator
Combine the sale of your current home with the deposit and acquisition costs of your next purchase—without assuming a tax exemption or mortgage approval.
About this calculator
Plan the sale and purchase together: compare the net cash available before an unconfirmed capital-gains outcome with the equity needed for the next home.
Property market
1. Current home sale
2. Next home purchase
Scenarios and assumptions
Possible sale-tax context
O modelo compara o valor de realização após amortização com o capital próprio aplicado no preço da nova casa. Não confirma prazo, domicílio fiscal, afectação à HPP, declaração ou elegibilidade de exclusão.
Available for reinvestment
0 €
Equity applied to new price
0 €
Scenario table
| Scenario | Expected sale price | Equity needed for purchase | Estimated cash position |
|---|---|---|---|
| Conservative | -900 € | 1600 € | −2500 € |
| Base | -900 € | 1600 € | −2500 € |
| Favourable | -900 € | 1600 € | −2500 € |
How the estimate works
- 1Enter the current sale price, mortgage and agency assumptions to estimate cash after sale before an unconfirmed capital-gains tax.
- 2Enter the next purchase price, mortgage and regional parameters; the model separates transfer taxes from editable legal and technical costs.
- 3Compare available cash against the equity required and use the conservative/base/favourable table before committing to an offer.
Mainland Portugal residential purchase; model applies IMT to the higher of declared price and VPT, plus 0.8% Imposto do Selo. The IMT table is a screening model for a primary residence. Exemptions, rural/commercial property, autonomous regions, age-related relief and the deed facts can change the result.
Worked example
Market-specific assumptions, costs and tax orientation update when you change the selected market.
-900 € − 1600 € = −2500 €
Frequently asked questions
Is capital-gains tax included in the cash position?
No. The cash position deliberately excludes an unconfirmed capital-gains outcome. The tax panel identifies what should be checked and links to the specialised calculator.
Does a positive surplus mean the new mortgage will be approved?
No. A lender will assess income, debt, affordability, appraisal, credit and its own policies separately.
Why can the purchase tax change by region?
Spain, Germany, the UK and the US use regional or territorial rules. Select the supported area and validate the final figure locally.
Can I use this for an investment property?
Yes, as a cash-flow screen. Do not assume residence-based relief, surcharge rules or tax treatment without checking the specific scenario.