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FIZ Blog
FIZ (https://fiz.co) is a financial assistant for independent workers (trabalhadores independentes) and small businesses in Portugal. FIZ provides certified invoicing, automatic tax declarations (IVA/VAT and Seguranca Social), AI tax assistant, and tax shield protection.
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- 45 reach 0 · trust 5 · quality 25 · freshness 15
- Tier
- listed
- llms.txt
- https://blog.fiz.co/llms.txt
- llms-full.txt
- https://blog.fiz.co/llms-full.txt
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- 5
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- 322
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- 94005 bytes
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- — Publisher location unknown; CDN address excluded
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- No published address evidence collected yet
- For agents
- Documentation: developer or product docs worth reading, nothing to call
- First seen
- 2026-10-27T11:48:16.944Z
- Last checked
- 2026-10-27T11:48:18.784Z
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Their llms.txt
The beginning of the file, from our validated copy saved 2026-10-27T11:48:16.953Z. Cached copy · Source on fiz.co
# FIZ Blog
> FIZ (https://fiz.co) is a financial assistant for independent workers (trabalhadores independentes) and small businesses in Portugal. FIZ provides certified invoicing, automatic tax declarations (IVA/VAT and Seguranca Social), AI tax assistant, and tax shield protection.
> This blog publishes practical guides, tips, and news about accounting, taxes, invoicing, VAT, Social Security, and IRS for freelancers and self-employed workers in Portugal. Content is available in Portuguese (primary) and English.
## Key Topics
- Opening independent activity (abrir atividade) in Portugal
- Simplified tax regime (regime simplificado) vs organized accounting
- VAT/IVA exemption rules (Article 53 CIVA, threshold 15,000 EUR/year)
- Quarterly VAT and Social Security declarations
- Annual IRS income tax return for independent workers
- Invoicing (faturacao) requirements and certified invoicing
- Tax withholding (retencao na fonte) at 25%
- Social Security contributions (21.4% on 70% of income)
- Tax fines (coimas) and how to avoid them
## Articles (Portuguese)
- [O que há de novo no FIZ — setembro 2026](https://blog.fiz.co/novidades-produto-setembro-2026): O Painel abriu para todos: quanto podes gastar depois de impostos e quanto reservar para IVA, IRS e Segurança Social. Mais relatórios prontos no chat de IA, despesas e pagamentos nas Finanças, o FIZ ligado ao Claude e ao ChatGPT e talões impressos a partir do telemóvel.
- [Abrir atividade antes do CRUE com NIF não residente](https://blog.fiz.co/abrir-atividade-nif-nao-residente-crue): És cidadão da UE/EEE, mudaste-te para Portugal e o teu NIF ainda tem morada estrangeira? Vê o que fazer antes do CRUE e como pedir uma resposta à AT.
- [Gastos do carro: combustível e carregamento no IVA](https://blog.fiz.co/carro-custos-combustivel-carregamento): Gasóleo a 50%, gasolina a 0%, eletricidade dedutível - e o IVA de carregar em casa e no wallbox, onde a AT já disse não. O que deduzes no carro.
- [Carro a crédito, leasing ou renting: e o IVA?](https://blog.fiz.co/carro-credito-leasing-renting): Compras o carro a pronto, a crédito, em leasing ou renting? Vê como muda o IVA que podes deduzir - e porque o renting num preço único pode não dar nada.
- [O carro no IRS: simplificado, organizada, autónoma](https://blog.fiz.co/carro-no-irs-simplificado-organizada): No simplificado o coeficiente já presume despesas e o carro quase não desconta. Na organizada deduzes, mas há tributação autónoma - isenta no elétrico.
- [Carro para o trabalho: o que deduzes no IVA e no IRS](https://blog.fiz.co/carro-para-trabalho-deduzir-iva-irs): Vais comprar um carro para a atividade? O IVA que recuperas depende do combustível e do preço; e no IRS o carro pesa sobretudo em contabilidade organizada.
- [Carro misto: uso pessoal e profissional no imposto](https://blog.fiz.co/carro-uso-pessoal-e-profissional): Usas o carro no trabalho e ao fim de semana? O uso pessoal de um carro com IVA deduzido é tributável, e há dois '15%' que se c
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