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Malta 2026 · Updated & Verified

From Paycheck
to Property.

Two questions. One tool. Malta's most accurate salary calculator — tax, social security, COLA, government bonus and your home loan capacity. All free. No login. Kill two birds with one stone.

€512
Gov't Bonus
€4.66
COLA/week
3.5%
Mortgage rate
2026
Tax year
Your Earnings
Determines SS contribution rate
Paid at 1.5× hourly rate
Tax Status
2026 Benefits
Government Bonus — €512.52
Annual bonus earned throughout the year
COLA Increase — €4.66/week
2026 Cost of Living Adjustment for full-timers

Your numbers await

Enter your salary details and tap Calculate. Net salary, tax breakdown, home loan capacity — all instantly.

Net Annual Salary
€0
After all deductions · 2026
Monthly
€0
Weekly
€0
Breakdown
Gross salary—
Income tax—
SS employee—
SS employer—
Effective rate—
Malta Salary Position

|

Home Price
€0
Loan Amount
€0
Min Deposit
€0
Estimated Monthly Payment
€0
At 3.5% variable interest · Malta standard
Loan Term
—
Total Interest
—
Total Repayable
—
Important notes
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Questions Answered

Your net salary is gross minus income tax (based on your tax bracket and status) and Class 1 social security contributions. For 2026, full-timers also receive €4.66/week COLA and an annual government bonus of €512.52. This calculator applies all three automatically.
Single: 0% to €12,000 · 15% from €12,001–€16,000 · 25% from €16,001–€60,000 · 35% above €60,000. Married and parent statuses have wider tax-free thresholds. The calculator applies the correct bracket automatically.
Class 1 employees pay 10% of weekly gross, subject to a maximum. Those born before 1962 have a lower ceiling (€490/week) than those born after 1962 (€559/week). The employer pays a matching contribution. Both are shown in the breakdown.
The 2026 COLA is €4.66 per week (€242.32/year) for full-time employees. The government bonus is €512.52/year, paid in two instalments. Both are toggleable in this calculator.
The estimate applies Malta banking standards: ~6.54× annual gross salary as maximum loan, 10% minimum deposit, 3.5% variable interest. Loan term: 40 years under 35 · 30 years for 35–44 · until 65 for older applicants. These are guidance figures — always consult your bank.
Yes — completely free, no login, no data stored. FreeMalta.com provides this tool as part of its financial intelligence platform, powered by MaltaInsider.com.
Different tax-free thresholds apply. Single: €12,000. Married: €15,000. Parent: €13,000. Adding dependents (+1, +2) further widens the bands. More dependents generally means less tax. The calculator handles all seven status types.