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Analytical Tools

See your finances
as they actually are.

The Financial Diagnosis tools map your income, spending, and obligations into a clear picture — without assumptions, without judgment, without oversimplification.

What the Financial
Diagnosis tool does

A financial diagnosis is not a judgement. It's a map. The tools in this section take your inputs — income, fixed costs, variable spending, savings — and organise them into a visual overview of your current financial position.

The goal is clarity. Once you can see clearly where money comes from and where it goes, you're in a much better position to understand what your options are — not because the tool tells you what to do, but because you can see the full picture yourself.

Close-up of financial analytics dashboard on a modern laptop screen showing charts and data visualisations
The Tools

What's included in
Financial Diagnosis

Budget Breakdown Dashboard

Enter your monthly income and spending across categories. The dashboard organises this into a visual breakdown showing how your money is distributed and where the largest portions are going.

Rent Transport Food Leisure Savings

Salary Net Calculator

Enter your gross monthly or annual salary and see a full breakdown of Social Security contributions (11%), IRS withholding by bracket, and your actual net take-home pay. Covers different employment types including green receipts.

IRS Brackets Social Security Net Pay

Emergency Fund Planner

Input your fixed monthly obligations and the tool calculates a realistic emergency fund target. Then it shows how long it would take to reach that target based on different monthly saving amounts.

Target Calculation Timeline View

Housing Cost Analyser

Compare the full financial picture of renting versus buying in Portuguese cities. Factors in IMT, stamp duty, notary fees, mortgage interest, maintenance costs, and the opportunity cost of a down payment.

Rent vs Buy Porto Lisbon
Young man using FinançasData platform on a tablet, reviewing financial charts in a bright modern apartment

How to use the
diagnosis tools

01

Input your financial data

Enter your income, fixed costs, and spending patterns. The tools work with whatever information you have available — partial inputs still produce useful outputs.

02

Review your visual overview

The dashboard organises your inputs into charts and summaries that show your financial position at a glance — no spreadsheet interpretation required.

03

Explore what the numbers mean

Educational context sits alongside each tool — so you can understand not just what the numbers are, but what they mean in the context of your situation.

Important Note

These are analytical tools,
not financial advice

The Financial Diagnosis tools are designed to help you understand your financial situation. They produce informational outputs based on the data you enter. They do not constitute financial advice, and no output from these tools should be interpreted as a recommendation to take any specific financial action.

Calculations are based on publicly available information about Portuguese tax and financial regulations. For decisions involving significant financial commitments, always consult a licensed financial or tax adviser.

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