The quarterly Social Security declaration is one of those nightmares that comes back every 3 months. “How much do I owe this time? Did I calculate correctly? What if I make a mistake?”
Without help, this declaration can take 2-3 hours the first time. With FIZ, it takes 10 minutes — and with the Auto plan, the system does everything automatically.
The manual process (the nightmare)
To submit the quarterly SS declaration manually, you have to:
- Collect all the quarter’s invoices — log into the Portal das Finanças, check issued documents, add values one by one
- Calculate the contributory base — 70% of total invoiced. If you invoiced €6,000: 70% × €6,000 = €4,200
- Calculate the amount due — 21.4% of the contributory base. In the example: 21.4% × €4,200 = €898.80
- Fill in the declaration — log into Segurança Social Direta, navigate the menus, fill in the fields
- Submit and pay — generate the MB reference, pay, save the confirmation
Total time? 2-3 hours if it goes well. If you make a mistake at any step, you start again.
How FIZ transforms the process
With FIZ, the process is completely different:
Step 1: You receive a notification — “Your quarterly Social Security declaration is ready. You invoiced €6,000 this quarter. Amount to pay: €898.80. Confirm?”
Step 2: You open the app, see the detailed summary. All invoices listed, transparent calculation, final amount.
Step 3: One click. “Submit declaration.”
Step 4: Done. Declaration submitted, payment reference generated.
Total time? 10 minutes.
What happens behind the scenes
FIZ automatically does what takes you hours to do manually:
- Aggregates all invoices for the quarter — because you issue them directly through FIZ
- Calculates the contributory base — automatically applies the 70%
- Applies the rate — 21.4% on the base
- Fills in the declaration — all fields correct
- Submits on time — you can never forget
Special cases FIZ handles
Exemption in the first year. If you’ve had your activity open for less than 12 months, you may be exempt. FIZ detects this automatically and doesn’t submit the declaration. It alerts you when the exemption ends.
Quarters with low invoicing. If you invoiced little, the minimum contributory value may apply. FIZ calculates everything and shows you what you’ll pay.
⚠️ Note: Many independent workers think that in the simplified regime “the state does everything”. Wrong. You must always submit quarterly SS and VAT declarations. “Simplificado” refers to how IRS is calculated — quarterly declarations are always your responsibility.
How much time (and stress) you save per year
Without FIZ: 4 declarations × 3 hours = 12 hours per year. Plus the fear of making mistakes.
With FIZ Auto: 4 notifications × 10 minutes to confirm = 40 minutes per year. Zero stress.
✅ In summary
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The quarterly SS declaration is mandatory — every 3 months you must declare 70% of what you invoiced and pay 21.4% on that amount.
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Manually it takes 2-3 hours — collecting invoices, calculating, filling in, submitting. One mistake means starting again.
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With FIZ it takes 10 minutes — you receive a notification, confirm the automatically calculated values, click to submit. With the Auto plan, you don’t even need to confirm — it’s completely automatic.
