PropCalc›Sustainable Housing Calculator🇵🇹 🇪🇸 🇩🇪 🇫🇷 🇬🇧
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Energy retrofit decision tool

Sustainable Housing Calculator

Compare energy-improvement works with estimated utility savings, property value uplift and optional green-finance savings across five European markets.

Objective

Screen an energy-retrofit decision by putting works cost, expected energy savings, potential value uplift and financing impact into one editable scenario before commissioning the project.

Property market

Every financial assumption is editable. Incentives and green-mortgage conditions are not guaranteed and must be confirmed with the relevant provider.

Property and energy baseline

Energy improvement plan

Optional green financing

Sustainability decision snapshot

🇵🇹 Portugal · 35/100

Sustainability score 35
Net improvement cost
40 000 €
Annual total saving
540 €
5-year net benefit
-29 050 €
Simple payback
74.1 years
Estimated rating path
F → C
Estimated value uplift
8250 €

Green finance comparison

Current monthly payment
1001 €
Illustrative green payment
1001 €
Annual financing saving
0 €

Points to validate

  • The simple payback exceeds 15 years under these assumptions.
  • No green-rate discount is included. Confirm whether your lender offers one.

Typical measures to investigate

Fabric insulation
High-performance windows
Heat-pump system
Solar photovoltaic
Ventilation and controls

How the estimate works

  1. 1. Enter an energy baseline, a target rating and your project budget.
  2. 2. Set assumed support, utility savings, value uplift and any green-rate discount.
  3. 3. Review net cost, payback, five-year result and issues requiring professional confirmation.

This calculator is an educational screening estimate. It does not issue an EPC, verify grant eligibility, value a property or offer lending advice. Obtain certified technical, legal and lending advice before committing to works.

Country guide · Portugal

Start with the SCE certificate

Use the certificate as the technical baseline before estimating finance or resale value.

Recommended verification path

  1. 1Select an authorised expert and assemble property documents.
  2. 2Use the visit and recommendations to define the renovation scope.
  3. 3Request itemised quotations, then verify any tax, support or green-finance benefit separately.
View national source: SCE / ADENE

Renovation measure matrix

Envelope insulation

When to investigate

Cold surfaces, heat loss or discomfort through walls, roof or floor.

Confirm before committing

Moisture strategy, detailing, heritage restrictions and technical design.

Windows and airtightness

When to investigate

Draughts, poor glazing or weak junctions.

Confirm before committing

Ventilation strategy, installation quality and condensation risk.

Heating and hot water

When to investigate

Ageing or high-cost system, poor controls or inadequate comfort.

Confirm before committing

Heat-loss calculation, emitter suitability, tariffs and installer scope.

Solar and self-consumption

When to investigate

Suitable roof, daytime demand and long holding period.

Confirm before committing

Roof condition, permissions, grid connection and maintenance.

Ventilation and controls

When to investigate

Humidity, overheating, stale air or room-by-room comfort differences.

Confirm before committing

Airflow design, controls, commissioning and interaction with airtightness.

Worked example: Portugal

For a property in Lisboa, model a current value of 275 000 €, an annual energy bill of 1800 € and an improvement budget of 30 000 €. The result is a decision screen, not a certified rating or a grant approval.

Related tools

Frequently asked questions

Does this calculate my EPC rating?

No. An EPC, DPE, CEE or Energieausweis must be issued under the applicable national process by an authorised professional.

Are grants and green mortgages guaranteed?

No. Enter only a benefit you have independently verified. Eligibility, caps, timing and lender conditions can change.

How is payback calculated?

It divides net works cost by estimated annual energy and financing savings. It excludes maintenance, tax, inflation and resale timing.