Modelo 63 for 2024 and Modelo 62 for 2025 are both due on 30 September, after a despacho in June moved the deadline back from 30 June without penalties. The regime sets a 15 percent floor on groups with 750 million euros of revenue.
INE's flash estimate puts August at 3.3 percent, up three tenths on July, and says the acceleration is almost entirely fuel. Core inflation moved a single tenth to 2.7 percent. Energy prices are up 12.2 percent on the year. Definitive data lands on 10 September.
About 6.4 million returns were filed and 2.3 million refunds paid by early July, with roughly 200 million euros still to go out. Refunds are smaller this year because less was withheld monthly. If you cannot pay, the instalment request closes on 15 September.
The base rate on Série F cannot exceed 2.50 percent, and the three-month Euribor has not closed below that since 17 August. August paid 2.474. September stops at the cap, the first time since March 2025. Borrowers keep paying the rise; savers do not.
On a €150,000 loan over 30 years at a 1 percent spread, the three-month reset adds €23.21, the six-month €46.95 and the twelve-month €70. The European Central Bank meets on 10 September, and markets are already pricing a second rise on 17 December.
Bank of Portugal figures for July put household deposits at a record €206.7 billion, yet the term-deposit stock slipped €21.5 million to €116.4 billion, its first fall since August 2025. Savings certificates took in €767.7 million, the most in three years.
The Instituto da Segurança Social has added certified occupational disease, occupational-disease pension income and survivor-pension income to the declarations issued straight from the app, with no desktop portal and no counter visit.
