Calculator · Malta 2026
Malta Salary Calculator 2026
Calculate your exact net income after tax, social security and COLA. Enter your gross salary and get your take-home pay — plus instant home loan capacity. Updated for 2026 tax brackets.
Malta Avg Salary
€33,499
gross / year
Min Wage 2026
€12,712
gross / year
COLA 2026
€4.66
per week
Govt Bonus
€512.52
per year
Annual Gross Salary
Tax Status
Details
Government Allowances
COLA 2026
€4.66/week · €242.32/year
Government Bonus
€512.52/year · paid in 2 instalments
Enter your gross salary to see your net income, tax breakdown and home loan capacity.
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The Numbers Behind the Numbers
Malta Tax 2026 — Brackets
Malta uses a progressive tax system. Single rate: 0% to €12,000 · 15% to €16,000 · 25% to €60,000 · 35% above. Married status raises the 0% threshold to €15,000, reducing tax significantly for lower earners. Social security (Class 1) is 10% of weekly gross, matched by employer.
COLA & Government Bonus
Malta's Cost of Living Adjustment (COLA) for 2026 is €4.66/week (€242.32/year) — mandatory for all full-time employees. The government bonus of €512.52/year is paid in two instalments (June and December). Both are included in this calculator and can be toggled.
Average Salary by Sector
Malta's national average gross salary is €33,499/year. iGaming and fintech professionals typically earn €40,000–€80,000+. Tech roles average €35,000–€65,000. Hospitality and retail remain below average at €18,000–€25,000. See the Salary Benchmark for role-specific data.
Home Loan — How It Works in Malta
Maltese banks typically lend up to 6.54× annual gross salary at 3.5% variable interest. A 10% deposit is required. First-time buyers may qualify for a €10,000 grant and stamp duty exemption on the first €200,000. See the Property & ROI Calculator for full purchase cost breakdown.
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Frequently Asked Questions
How is Malta net salary calculated for 2026?
Net salary = gross minus income tax (based on your tax bracket and status) and Class 1 social security contributions (10% of weekly gross). For 2026, full-time employees also receive €4.66/week COLA and an annual government bonus of €512.52, both of which are included in this calculator.
What are Malta income tax rates for 2026?
Single: 0% to €12,000 · 15% from €12,001–€16,000 · 25% from €16,001–€60,000 · 35% above €60,000. Married status raises the 0% threshold to €15,000. Parent status threshold is €13,000. Adding dependents widens the bands further. The calculator applies the correct bracket automatically.
What is Malta social security rate in 2026?
Class 1 employees pay 10% of weekly gross, subject to a ceiling. Born before 1962: €490/week ceiling. Born 1962 or after: €559/week ceiling. The employer pays a matching contribution. Both employee and employer contributions are shown in the breakdown.
What is COLA in Malta 2026?
The Cost of Living Adjustment (COLA) for 2026 is €4.66 per week (€242.32 per year) for full-time employees. It is a mandatory government supplement to offset inflation. The government bonus is a separate €512.52/year payment, made in two instalments in June and December.
How does the home loan estimate work?
Maltese banks typically lend approximately 6.54× annual gross salary as the maximum loan amount, with a minimum 10% deposit and 3.5% variable interest rate. Loan term is 40 years for those under 35, 30 years for ages 35–44, and runs to age 65 for older borrowers. These are estimates — always consult your bank for a personalised offer.
What is the difference between Single, Married and Parent tax status?
Single: €12,000 tax-free threshold. Married: €15,000. Parent: €13,000. Adding dependents (+1, +2) widens the bands further, reducing tax significantly. Married +2 status can result in several thousand euros less tax per year versus Single status on the same gross salary.