Tax and Financial Planning

Unlock financial success & tax savings with expert planning

When it comes to relocating, investing, or doing business in Portugal, financial and tax planning plays a crucial role in ensuring a smooth transition and long-term success. Navigating the complexities of a new financial landscape can be overwhelming, that's where our unique proprietary financial and tax planning solutions can optimise your non-Portugal derived passive income such as dividends, royalties, rental incomes, and retirement savings.

Overlooking the Douro and Dom Luís I Bridge in Porto, Portugal at night


on income


your tax, wealth and income
Explore our unique financial and tax planning solutions

Finding the right solutions

We help you integrate with life in Portugal by optimising your tax benefits and maximising your returns over the next 20 years.
Delivering improved tax

Optimising your income and assets for tax

By leveraging our expertise, you can benefit from improved tax on your income, wealth and assets using  Non-Habitual Residency (NHR) tax system or Incentivised Tax Scheme (ITS).

This strategic approach allows you to minimise tax obligations and maximise the returns on your investments.

In addition, our unique proprietary financial and tax planning models are designed to optimise your income and assets well beyond the qualified periods for NHR or ITS tax schemes.

On average, our affluent clients receive a significantly improved tax position through our proprietary financial model for up to 20 years.

Below is how much you would pay without Portugal's NHR 0% tax incentive being applied:

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Delivering lower tax on pensions

Special tax benefits for non-Portuguese pensions

As part of our comprehensive services, our Visa program offers exceptional tax benefits for overseas pensions.

Under Portugal's D7 Visa (known as 'passive income' or 'retirement visa') and Non-Habitual Residency (NHR) tax regime, overseas pensions are taxed at just 10% for 10 years.

This advantageous tax rate ensures significant savings and enables you to enjoy your retirement income to the fullest during your time in Portugal.

If planned early, you can structure your non-Portuguese derived pension through a bond or similar financial structure to minimise your tax after the 10 years NHR tax incentive finishes.

This needs to be planned in the first few years under NHR and cannot be left or you will start going on to standard tax rates which are 28% - 48% in Portugal after the 10 year NHR tax incentive finishes. Our clients, through early planning can optimise their tax position for up to  20 years using our proprietary and regulated financial model.

Optimising your tax for the long term

Plan early for post-NHR low tax period ending

We prioritise long-term tax planning for a smooth transition beyond the 10-year Non-Habitual Residency (NHR) low tax incentive period.

Our solutions focus on strategic financial and tax planning for post-NHR 10 year tax period, aiming to minimise tax increases and maintain an efficient structure.

By analysing your finances, exploring investment options, and providing continuous guidance, we ensure sustained tax efficiency and financial stability after the NHR phase.

Our client case studies and testimonials demonstrate a significantly improved tax position for up to 20 years.

By helping our clients plan early enough in the NHR tax regime life, we optimise their tax position and  reduce the serious risk of paying the Portuguese progressive tax rates, which can range between 28% and 48% after the qualifying 10-year NHR tax period.

NHR low-tax timeline: Planning your financial path

Learn how Non-Habitual Residency (NHR) offers significant tax benefits for a period of ten years, and the importance of planning early enough for when it ends.

0 Years

Preparing for Non-Habitual Residency

Understand the requirements and assemble your documentation for low tax status

Familiarise yourself with the NHR tax regime, ensuring you meet the eligibility criteria. Our experts will guide you through the necessary paperwork and financial preparations for a smooth NHR application process and ensure you plan early to avoid higher standard tax rates when it ends.

1-6 Years

Attractive tax incentives during NHR

Enjoy 0% tax on non-Portugal derived income and 10% on pensions

During the 10 year NHR low tax status, you'll benefit from 0% tax on foreign-sourced income, including dividends, royalties, and rental income. Additionally, you'll take advantage of reduced tax rates on qualifying non-Portuguese pensions to further optimise your tax savings.

6-10 Years

Planning for post-NHR

Prepare for a smooth transition beyond the NHR period to maintian tax effieciency

As your NHR low tax period nears its end, our experts will help you strategise for the post-NHR phase. We'll assist in minimising potential tax implications and devising long-term financial plans to ensure a stable future with continued tax efficiency. This cannot be optimised if not planned early enough and well before the 10 year tax incentive ends.

10+ Years

Prosperous Residency Beyond NHR

Enjoy the Portuguese lifestyle with ongoing support and financial advice

After completing the NHR tax period, our team will continue to provide ongoing support for tax planning and wealth creation, ensuring your financial stability and making the most of your residency in Portugal.

How we support affluent expats

Client case studies

Significant tax savings for a wealthy UK couple who moved to Portugal

"We always dreamed of living in Portugal, but the process seemed so complex, especially with the fact that we had royalties and pensions back in the UK. Portugal Pathways walked us through every step, from choosing the right visa to navigating the tax benefits from Non Habitual residency (NHR) programme. They even helped us find our beautiful luxury villa and set up private healthcare and other lifestyle elements for us."
Amelia Thompson
Significant tax savings for a wealthy UK couple who moved to Portugal
Expat admiring the rocky Algarve coastline in Portugal

Making the most of your wealth

Discover the straightforward process of how we can help optimise your tax and financial planning and make life in Portugal as seamless as possible.

Initial free consultation

Understand your needs and situation in Portugal to provide tailored services and solutions.

Personalised plan

Receive a customised plan to navigate the first 10 years of NHR, including 0% tax on foreign income and 10% tax on retirement income.

Long-term tax planning

Continuously optimise tax strategies beyond the 10-year period for a financially secure future.

Talk to our experts

Maximise your wealth, tax status and life in Portugal

Schedule a free consultation with one of our expert team so that we can offer personalised support to meet your specific needs.

In order for us to best help you, please state: what solutions you require, the status of your residency, if you hold NHR tax status, if you are currently applying/intending to apply for NHR, if you hold a NIF ID, if you are currently applying/intending to apply for a NIF ID, if you have medical insurance in Portugal, and if you have proof of an address in Portugal, in addition to any other pertinent information.
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asked questions

Find answers to commonly asked questions about our tax and financial planning solutions.

What is the Non-Habitual Residency (NHR) tax programme in Portugal?
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The Non-Habitual Residency (NHR) came in 2009 and is a tax regime designed for non-residents or individuals who become tax residents in Portugal. The NHR tax system offers 0% tax benefits on passive income for 10 years. The Non-Habitual Residency programme has been instrumental in attracting foreign professionals, entrepreneurs, and retirees to Portugal. It offers a competitive tax regime and encourages investment and economic growth in the country. However, it's important to consult with one of our tax advisors or legal professionals to fully understand the programme's requirements and how it applies to individual circumstances. This NHR works very well alongside the D7 visa which has significant tax advantages when combined.

What are the costs associated with the NHR tax programme in Portugal?
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The costs associated with the NHR programme in Portugal vary depending on individual circumstances. It is recommended to consult with one of our tax professionals who will guide you through the process and determine the exact costs. Our fee structure and costs are transparent as trust is key to our principles.

Can I apply for NHR tax status if I am already a resident in Portugal?
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Yes, you can if you are not a tax resident in Portugal. The programme is only open to individuals who have not been tax residents in Portugal for the past five years.

Are there any restrictions on the type of passive income or pensions eligible for tax savings under the NHR programme?
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Yes, there are restrictions on the income type eligible for the NHR programme. For example, income from Portuguese sources, such as rental income from a real estate property in Portugal, is unsuitable. The main benefit is on income held outside of Portugal such as pensions, rental income, dividends and royalties.

When should someone already on the NHR tax system start planning before the 10-year exemption finishes to avoid higher tax rates?
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If someone is already on the Portugal Non-Habitual Residency (NHR) tax system, it is advisable to start tax planning at least 5-6 years before the 10-year exemption period finishes. This is because the end of the exemption period will significantly change the individual's tax status, and proper pre-planning is essential to avoid any unexpected tax liabilities. It's important to consult with our experts early to avoid serious tax consequences.

What happens after the 10-year period of the NHR tax programme ends?
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After the ten-year period of the NHR tax programme ends, you will be subject to the regular Portuguese tax regime. It is important to discuss with one our expert financial advisors regarding the implications of this, and how you can manage these changes.

Can I work in Portugal while on the Non-Habitual Residency (NHR) programme?
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Yes, you can work in Portugal while on the NHR programme. However, the main tax benefits apply to passive income and pensions generated outside of Portugal.

How long does the Non-Habitual Residency (NHR) tax programme last?
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The NHR tax programme lasts for 10 years. During this period, qualified individuals who meet the programme's criteria can take advantage of favourable tax conditions in the double taxation agreement host country. After the 10-year period of the NHR tax programme ends, you will be subject to the regular Portuguese tax regime. It is important to discuss with a financial advisor the implications of this, and how you can manage these changes.