Malta Salary Calculator
Your take-home pay
Check your salary and NI settings
Income tax and NI deductions exceed this salary. Check your pay period and social security options. This estimate assumes 52 contribution weeks.
€19,000.20
Yearly · after tax & NI · 2026
- Basic gross salary
- €24,000.00
- 2026 COLA increase
- €0.00
- Statutory bonuses
- €0.00
- Second income
- €0.00
- Income tax
- -€2,600.00
- Social security (NI)
- -€2,399.80
Weekly and monthly figures are annual averages.
Low-income employment relief applied to your income tax.
How Does the Malta Salary Calculator Work?
Enter your gross salary, choose a weekly, monthly or annual pay period, and select your tax year and the tax status on your FS4 form. The Malta salary calculator for 2026 and 2027 estimates your take-home pay and shows income tax, National Insurance and employer costs separately.
Gross Salary vs Net Salary in Malta
Gross salary is your pay before deductions. Net salary is the amount left after income tax and your employee National Insurance contribution. To compare gross to net pay in Malta, use the same pay period for both figures. Monthly and weekly results are annual averages, so individual payslips may vary.
Income Tax Deductions
Your employer deducts income tax through the Final Settlement System (FSS). The amount depends on your annual taxable income and tax status. This Malta tax calculator uses resident rates and includes the optional low-income employment relief for eligible single-rate employees earning up to €12,445 in 2026.
National Insurance Contributions
National Insurance (NI), also called social security, is calculated on basic weekly pay, excluding statutory bonuses. Under the 2026 schedule, the standard employee rate is 10%, capped at €55.93 a week for people born from 1962, or €49.04 for those born earlier. Different rules apply to low earnings and eligible students. The calculator uses 52 contribution weeks and retains the 2026 NI schedule for 2027 estimates until the new schedule is published. Employer contributions are an additional business cost and do not reduce your net pay.
Statutory Bonuses and Allowances
Full-time employees receive two statutory bonuses of €135.10, paid in June and December, and two allowances of €121.16, paid in March and September. Together these total €512.52 a year before tax. The calculator prorates this amount for part-time hours. Under More options, choose Add to salary if these payments are extra, or Already included if your gross figure covers them.
Malta Salary Calculator 2027: What Changes?
The published 2027 family tax bands increase the tax-free allowance for eligible married couples and parents with qualifying children. Choose 2027 above to compare your income tax and take-home pay. The tax year means the year you earn the income.
2027 Cost-of-Living Increase (COLA)
Select Apply 2027 COLA increase (full-time) to add €6.41 a week, or €333.32 over a full year, to your gross salary before tax and National Insurance. This option assumes full-time work. Leave it unchecked if your salary already includes the increase. Part-time employees receive a proportionate amount; this option applies the full-time amount.
Official sources: DIER: COLA and employee entitlements, and NSO: Retail Price Index used to calculate COLA.
| 2027 tax status | 0% band | 15% band | 25% band | 35% band |
|---|---|---|---|---|
| Married, 1 qualifying child | Up to €20,000 | €20,001 - €30,000 | €30,001 - €60,000 | Over €60,000 |
| Married, 2+ qualifying children | Up to €30,000 | €30,001 - €41,000 | €41,001 - €60,000 | Over €60,000 |
| Parent, 1 qualifying child | Up to €16,000 | €16,001 - €24,500 | €24,501 - €60,000 | Over €60,000 |
| Parent, 2+ qualifying children | Up to €24,000 | €24,001 - €33,500 | €33,501 - €60,000 | Over €60,000 |
Standard single, married and parent bands remain unchanged. Family-rate eligibility still matters; use the status that applies to you.
The calculator uses the published 2027 income tax bands, the current statutory bonus amounts and the employment relief rules in force. National Insurance is estimated using 2026 contribution limits; 2027 limits have not yet been independently verified.
Source: Ministry for Finance: published 2027 family tax tables, pages 16, 18, 20 and 22.
Malta Income Tax Rates for 2026
These bands apply to annual chargeable income for Malta residents in 2026. Tax is progressive: each rate applies only to the income within that band, rather than your whole salary.
Single Tax Rates in Malta
| Annual chargeable income | Tax rate |
|---|---|
| Up to €12,000 | 0% |
| €12,001 - €16,000 | 15% |
| €16,001 - €60,000 | 25% |
| Over €60,000 | 35% |
Married Tax Rates in Malta
Married rates apply to joint chargeable income. Eligible couples with qualifying children can use the higher tax-free bands introduced for 2026. For couples with two earners, the household tax computation may differ from an estimate for one salary.
| Married status | 0% band | 15% band | 25% band | 35% band |
|---|---|---|---|---|
| Standard | Up to €15,000 | €15,001 - €23,000 | €23,001 - €60,000 | Over €60,000 |
| 1 qualifying child | Up to €17,500 | €17,501 - €26,500 | €26,501 - €60,000 | Over €60,000 |
| 2+ qualifying children | Up to €22,500 | €22,501 - €32,000 | €32,001 - €60,000 | Over €60,000 |
Parent and Family Tax Rates in Malta
Parent rates have a standard schedule and new schedules for one or two or more qualifying children. Age, custody or maintenance, residence, and nationality or long-term residence conditions determine eligibility for the new family rates. Check the official eligibility rules before selecting your status.
| Parent status | 0% band | 15% band | 25% band | 35% band |
|---|---|---|---|---|
| Standard | Up to €13,000 | €13,001 - €17,500 | €17,501 - €60,000 | Over €60,000 |
| 1 qualifying child | Up to €14,500 | €14,501 - €21,000 | €21,001 - €60,000 | Over €60,000 |
| 2+ qualifying children | Up to €18,500 | €18,501 - €25,500 | €25,501 - €60,000 | Over €60,000 |
This is a full-year employment estimate. It excludes individual tax credits, pension income, special tax schemes and overtime rules. Check your payslip with your employer for your exact net salary in Malta.
Official sources: 2026 income tax rates, family rate eligibility, National Insurance rates, statutory bonuses and allowances, and employment income relief.