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FreeMalta.com

#Mela

Malta 2026

Strategic Intelligence

The definitive resource for paychecks, cost of living, tax, mortgage and beyond.

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Status & Family

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Housing & Utilities

Include loans, alimony, or other fixed monthly payments

Fixed Utilities (Water/Elec/Int/Netflix etc.) €100/month
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Transport

Own a Car?

€80 fuel + €40 maintenance/insurance

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Lifestyle & Leisure

Health Insurance

€30/month

Gym Membership

€60/month

Personal Care

Hair/Nails/Grooming - €60/month

Family dinners or dates

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Vices & Nightlife

Weekly drinks:

Additional Extras

Pet Owner

Food & vet - €100/month

Professional Cleaner

Bi-weekly visits - €60/month

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Your Income

Estimated Monthly Cost

€1,700 /month

Financial Risk Status

Moderate / Stable

68% of income

Cost Breakdown

Housing €1,200
Utilities €100
Groceries (Inc. Take Away Orders) €400
Transport €0
School/Kids €0
Lifestyle €0
Vices & Nightlife €0
Extras €0
Other Commitments €0
Remaining €800

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Frequently Asked Questions

Everything you need to know about Malta's 2026 financial landscape

How Are The 2026 Figures Calculated?

All salary and tax calculations are strictly based on the Official Malta Budget 2026 and CfR (Commissioner for Revenue) brackets. The logic is built to provide the most accurate "take-home pay" simulation possible. We cross-reference this with the latest Tax Bands updated by the Commissioner for Revenue (CfR). The data is 100% compliant with current Maltese employment laws and 2026 projections.

Why Are Cost Of Living Figures Fixed?

This is a Benchmark Tool using market-average figures to reflect a realistic Welfare Standard for Malta — not poverty line figures, but a comfortable standard of living. We follow the principle: "Under-promise, over-deliver." If your actual spending is less than our estimation, you're in an even better position.

Is This A Commercial Or Affiliate Site?

FreeMalta is an independent community project. Our goal is to provide a transparent, all-in-one simulator that didn't exist before. We include links to essential services (Insurance, Real Estate, Accounting) because they are the natural next steps in your life simulation. This is not an affiliate-driven site. We only list trusted entities that are part of a resident's daily life in Malta. Our primary focus is data-driven guidance, not sales.

Why Combine Salary And Mortgage?

Because in the real world, you can't have one without the other. You can't realistically calculate a home loan without a salary calculation. Because if you don't have a job, you can't get a loan anyway. Your mortgage power is a direct function of your net income.

We provide the full picture in one click to save you time and provide clarity.

Where Does The Salary And COLA Data Come From?

Our salary benchmarks are aggregated from Jobsplus, LinkedIn Market Insights, and leading Recruitment Agencies in Malta and beyond. We also factor in actual user experiences and active job portal listings to ensure our 2026 projections reflect the true competitive landscape of the Maltese job market. COLA (Cost of Living Adjustment) data is sourced directly from official government announcements.

How Was The Malta Tax & Employment Guide Created?

This guide is a curated synthesis of official government publications, legal employment frameworks, and professional accounting standards in Malta. It is designed to simplify complex legal jargon into an easy-to-understand roadmap for both employees and employers, ensuring transparency in the Maltese job market.