Malta Salary Calculator: Gross to Net Pay After Tax & SSC
Work out your take-home pay in Malta. This salary calculator applies the 2026 income tax bands (0% to 35%) and the 10% Social Security Contribution (SSC, also called national insurance) to your gross salary, on the single, married or parent rates, and shows the net figure yearly, monthly and weekly. The statutory bonus, weekly allowance and the 2026 COLA are paid on top of the basic wage.
How the Malta salary calculator works
Exactly what this gross-to-net calculator does with your Malta salary, and every assumption it makes along the way.
How we work out your take-home pay
Every rate and threshold comes from the Malta Tax and Customs Administration 2026 tables, last checked on . Anything outside the calculation is listed with your result as a stated exclusion.
Step by step
- We start with your gross annual salary.
- Pension contributions are subtracted from taxable income, where you enter them.
- Income tax is charged on the progressive bands for your computation — single, married or parent — from 0% up to 35%.
- Social Security Contribution (SSC) is charged at 10% of the wage, capped at €55.93 a week (about €2,908 a year) for anyone born after 1962. The employer pays a matching 10%.
- Income tax and SSC come off your gross pay to give your net salary, shown yearly, monthly and weekly.
Assumptions we make
- You are an employee taxed under FSS (Final Settlement System) payroll;
- You are tax-resident in Malta for the full year and born after 1962;
- The statutory bonus (€512.52 a year) and the 2026 COLA (€4.66 a week) are paid on top of the wage — enter your full annual gross to include them;
- Special regimes — qualifying part-time (10%), overtime (15%), sports and artists (7.5%) — are not applied automatically;
- Employer SSC stays outside take-home pay, because the employer pays it;
- Pay spreads evenly across the year rather than per payroll period.
When this is the wrong tool
The calculator assumes you’re an employee, tax-resident for the whole year. If you’re self-employed (Class 2 SSC differs), moved country mid-year, or take a large part of your pay as bonus or equity, the figure will be too generous. What this doesn’t cover.
| Gross salary | €25,000 |
|---|---|
| Income tax | €2,850 |
| Social Security Contribution (SSC) | €2,500 |
| Take-home pay | €19,650 |
| Effective deduction rate | 21.4% |
What each field means
Each field below carries a definition and the effect it has on the calculated figure.
Gross (pre-tax) income
Your full annual pay before income tax and SSC, under FSS payroll. Include the statutory bonus and COLA if you want them counted.
Every figure in the result is derived from this. Enter it yearly, monthly or weekly and we convert it.
Tax year
The Malta tax year is the calendar year: 1 January to 31 December 2026.
Bands and SSC rates are set each year in the October Budget.
Tax computation
Single, married, or parent rates — and, from 2026, married or parent with one child or with two or more children.
You are entitled to whichever computation gives the lower bill, so it is worth comparing. Married and parent rates have wider 0% bands, and the family rates keep the 25% band running to €60,000.
Pension contributions
What you pay into a pension, as a percentage or an amount.
Personal pension contributions reduce the income you are taxed on. They do not reduce SSC.
Exclude National Insurance? (advanced)
Turns off SSC so you can see income tax on its own.
Useful when comparing headline income tax rates between countries.
Other allowances / deductions (advanced)
An annual amount added to your tax-free band.
For deductions the main form does not model yet.
Understanding Maltese payroll: gross salary, income tax, SSC and net pay
Malta income tax bands for 2026
Malta taxes income progressively from 0% to 35% under three main computations. On the single rates, the first €12,000 is tax-free, then 15% to €16,000, 25% to €60,000 and 35% above. The married rates start the 15% band at €15,000 and the parent rates at €13,000, so both give a lower bill on the same salary.
From 2026 there are also wider bands for families: married or parent with one qualifying child, and with two or more children. Their common feature is that the 35% top rate does not apply until income exceeds €60,000. You are entitled to whichever computation produces the lower tax, so comparing them is a real decision.
SSC — Social Security Contribution (national insurance)
Social Security Contributions, universally called national insurance in Malta, are Class 1 for employees: 10% of the basic wage, matched by the employer. For anyone born after 1962 the employee contribution is capped at €55.93 a week — about €2,908 a year — reached at a salary near €29,084. Below the national minimum wage a fixed weekly rate applies instead of the percentage.
SSC is not deductible against income tax, so a low earner can pay no income tax and still pay SSC. Self-employed people pay Class 2 instead, at a different rate.
COLA, the statutory bonus and the weekly allowance
Three uniquely Maltese payments sit on top of the basic wage. The Cost of Living Adjustment (COLA) is a wage increase set each Budget; for 2026 it is €4.66 a week (€242.32 a year). The statutory bonus is paid in June and December and the weekly allowance in March and September, together worth €512.52 a year. All of it is taxable and subject to SSC. Enter your full annual gross, including these, for the calculator to count them.
What common salaries look like after tax in Malta
Net pay for a single person on the 2026 rates, born after 1962, no pension contributions. Enter your own figure above for an exact result.
| Gross salary | Net per year | Net per month | Effective rate |
|---|---|---|---|
| €11,931 (minimum wage) | €10,738 | €895 | 10.0% |
| €24,000 (€2,000 / month) | €19,000 | €1,583 | 20.8% |
| €25,000 | €19,650 | €1,638 | 21.4% |
| €30,000 | €22,992 | €1,916 | 23.4% |
| €40,000 | €30,492 | €2,541 | 23.8% |
| €60,000 | €45,492 | €3,791 | 24.2% |
Malta salary calculator FAQs
How do I calculate my net salary in Malta?
Enter your gross salary and pick your computation. The calculator charges income tax on the 2026 bands (0%, 15%, 25%, 35%) for single, married or parent rates, then SSC at 10% of the wage capped at €55.93 a week. What’s left is your take-home pay, shown yearly, monthly and weekly.
What is SSC in Malta?
SSC is the Social Security Contribution, known in Malta as national insurance. For employees it is Class 1 at 10% of the basic wage, matched by the employer. For anyone born after 1962 the employee share is capped at €55.93 a week, roughly €2,908 a year.
What is COLA in Malta?
COLA is the Cost of Living Adjustment, a wage increase set in each Budget and added to pay. For 2026 it is €4.66 a week, about €242 a year for a full-time worker, pro-rated for reduced hours.
What is the statutory bonus in Malta?
Malta pays a statutory bonus in June and December and a weekly allowance in March and September, together worth €512.52 a year in 2026. Both are on top of the basic wage, and both are taxable and subject to SSC.
What are Malta’s income tax bands for 2026?
On the single rates: 0% to €12,000, 15% to €16,000, 25% to €60,000, then 35%. Married rates make the first €15,000 tax-free and parent rates the first €13,000. Families with one or more qualifying children keep the 25% band running all the way to €60,000.
How much is €25,000 after tax in Malta?
About €19,650 a year for a single person, roughly €1,638 a month. That is after €2,850 income tax and €2,500 SSC. On the parent rates the same salary leaves about €19,950.