IRS Jovem Optimizer 2026 vs Argus Crypto Tracker

IRS Jovem can save you up to €95,000 in taxes over 10 years. See how much, year by year, and make a more informed decision: stay in Portugal or emigrate? IRS JOVEM 2026 CALCULATOR Enter your gross salary, income category (A or B), and scheme year to see your actual tax liability with and without IRS Jovem — updated for the 2026 brackets and IAS of €537.13. 10-YEAR PROJECTION (Premium) Track your savings across the 10 eligible years of the regime: 100% → 75% → 50% → 25% exemption, with automatic cap enforcement at €29,542.15 per year. EMIGRATE OR STAY? (Premium) Compare your Portugal net income against Germany, Netherlands, Ireland, Luxembourg and UK, with cost-of-living adjustment. SALARY NEGOTIATION (Premium) See your true take-home pay for a salary offer and share a simple summary in interviews and negotiations. FEATURES • Category A (employment) and B (services, coeff. 0.75) • 9 IRS tax brackets for 2026 (Art. 68.º CIRS, Law no. 73-A/2025) • 11% employee social security + €4,587.09 specific deduction • Portugal vs 5 European destinations comparison No subscription required: the annual calculator is free. Advanced features unlock with a one-time purchase.

Argus is a crypto portfolio tracker for people who want to see exactly what they hold — without handing their financial data to anyone. Everything lives on your device. No account, no sign-up, no tracking, no ads. SEE YOUR NET WORTH, HONESTLY A clean net-worth chart built from real price history and your own transactions — never faked. Cash and crypto broken out at a glance, with gains and losses shown only where they belong. ADD WHAT YOU HOLD — THREE WAYS, EASIEST FIRST • Add a holding — just type how much of a coin you own. • Import from a wallet — paste a public address and Argus pulls your balances across 12 chains: Ethereum, Base, Arbitrum, Polygon, Optimism, Scroll, zkSync Era, Gnosis, Celo, Unichain, Mode and Plasma (read-only; it never asks for a seed phrase or key). Coins are matched by their contract rather than their ticker, so a look-alike token can't pass itself off as the real one. • Import a CSV — bring your history across as date, type, asset, quantity, price. REAL COST-BASIS MATH Log buys and sells with fees, and Argus tracks your true cost basis and realized gains — switch between FIFO, LIFO, and HIFO to see how it changes. STAKED POSITIONS, COUNTED Argus reads StakeWise V3 vault deposits, so ETH sitting in a vault is part of your net worth instead of missing from it — and it stays listed apart from wallet ETH rather than merged into one number. LOANS, COUNTED BOTH WAYS Borrowing against your crypto? Import loans from Aave, Spark, Compound, Fluid and Morpho, and Argus counts the collateral you still own minus what you owe, with each loan's health factor. Imported loans stay current on their own, and Argus lets you know when it finds a new one. Any other loan — an exchange, a bank — can be added by hand: what you borrowed, and what it's borrowed against. PRICES, CHARTS AND NEWS Live prices and logos for the top 1,000 coins, a price chart on every holding over one week, one month or three months, plus per-coin news headlines. PRICE ALERTS Set a target on any coin and get a notification when it's hit. Argus checks in the background — iOS schedules those checks, so the alert arrives shortly after the move rather than the instant it happens. Alerts are delivered locally, so no server ever sees them. PRIVATE BY DESIGN Your holdings never leave your phone. Argus fetches only public market data, public headlines, and — if you choose — public wallet balances and loan positions. There are no accounts and nothing to sign in to. Argus is a tracker, not an exchange: it holds no funds, places no trades, and never touches your keys.