Enter your salary and choose your situation to see exactly what lands in your account after Income Tax and Social Security — including Malta's new 2026 rates for families with children — for the year, month, week and day.
Your take-home pay
€26,742
a year — that's €2,228 a month after Income Tax and Social Security.
Year
€26,742
Month
€2,228
Week
€514
Day
€103
Breakdown of your annual salary and deductions
Item
Amount
Gross salary
€35,000
Income Tax
−€5,350
Social Security
−€2,908
Pension into your pot
−€0
Take-home pay
€26,742
Malta, resident individual. Applies the rate schedule you choose; assumes an adult (born 1 January 1962 or later) earning at least the national minimum wage for Social Security, and does not check eligibility for the child rate schedules. Figures are rounded for display and are estimates, not financial advice.
How Malta take-home pay is calculated
Your take-home pay is what's left of your salary once the compulsory charges come out. In Malta a resident employee has two deductions — Income Tax and a Social Security Contribution — and a pension contribution is optional:
Income Tax
Malta taxes income in four bands — 0%, 15%, 25% and 35% — but the width of each band depends on your situation. The 0% band works like a tax-free allowance: a single person pays nothing on the first €12,000, a married couple nothing on the first €15,000, and a parent nothing on the first €13,000. Everyone reaches the 35% top rate above €60,000. (Rates: MTCA, 2026.)
The new 2026 child rates
From 1 January 2026, Malta added wider Married and Parent schedules for families maintaining one, or two or more, qualifying children — the biggest change this year. A married couple with two or more children now pays no tax up to €22,500, and a single parent with two or more children up to €18,500. These schedules did not exist in 2025. Eligibility carries residence and nationality conditions — see the FAQ. (MTCA / Budget 2026.)
Social Security Contribution (SSC)
Employees pay a Class 1 Social Security Contribution of 10% of their basic weekly wage, up to a weekly cap. Above roughly €29,000 of annual salary the cap means the contribution stops rising — it tops out at about €2,908 for 2026. Your employer pays the same amount again separately. (MTCA Class 1 rates, 2026.)
Pension
A personal pension contribution reduces the income your tax is worked out on, so it lowers your Income Tax bill — but Social Security is still charged on your full salary. Money going into your pension is still yours; it's just saved rather than spent.
Malta 2026 income tax rates by situation
Every schedule uses the same four rates; only the band widths change. The wider your 0% band, the less tax you pay at the same salary. The Married- and Parent-with-children rows are new for 2026.
Malta 2026 income tax bands by situation
Situation
0% up to
15% band
25% band
35% over
Single
€12,000
€12,001 – €16,000
€16,001 – €60,000
€60,000
Married (couple)
€15,000
€15,001 – €23,000
€23,001 – €60,000
€60,000
Married, 1 child
€17,500
€17,501 – €26,500
€26,501 – €60,000
€60,000
Married, 2+ children
€22,500
€22,501 – €32,000
€32,001 – €60,000
€60,000
Parent
€13,000
€13,001 – €17,500
€17,501 – €60,000
€60,000
Parent, 1 child
€14,500
€14,501 – €21,000
€21,001 – €60,000
€60,000
Parent, 2+ children
€18,500
€18,501 – €25,500
€25,501 – €60,000
€60,000
(Bands: MTCA 2026 tax-rate schedules, cross-checked against PwC, Deloitte and KPMG — verified 23 July 2026.)
What families keep: take-home by situation
The same salary yields a different take-home depending on your situation, because the tax-free band is wider for married couples and parents. Every figure below is computed by this calculator's own tax engine for 2026, after Income Tax and Social Security.
Malta 2026 annual take-home pay by situation and salary
Salary
Single
Married
Married, 2+ children
Parent, 2+ children
€20,000
€16,400
€17,250
€18,000
€17,775
€30,000
€22,992
€24,142
€25,967
€24,917
€45,000
€34,242
€35,392
€37,417
€36,167
€60,000
€45,492
€46,642
€48,667
€47,417
At €30,000 a married couple with two or more children keeps almost €3,000 a year more than a single person on the same salary — the value of the wider 0% and 15% bands.
Living in Malta: who these rates are for
These are the rates for people resident in Malta — where nearly a third of the population is foreign-born, one of the highest shares in the EU. If you are ordinarily resident and domiciled in Malta you are taxed on your worldwide income; if you are resident but not domiciled, you are generally taxed on Malta-source income and on foreign income you bring into Malta.
Malta also publishes a separate non-resident rate schedule, which starts at a lower threshold and is not covered here — this calculator is for residents. The enhanced 2026 child rates additionally require that at least one spouse or the parent is a national of Malta or the EU/EEA, or a Long-Term Resident of Malta whose child was born and is resident in Malta.
Common questions
Which tax year does this use?
It defaults to 2026 and you can switch to 2025. The four rates (0%, 15%, 25% and 35%) are the same in both years, but 2026 adds new Married and Parent rate schedules for families with one or two qualifying children — 2025 has only the Single, Married and Parent rates. The Social Security cap is also slightly higher in 2026.
How do the Single, Married and Parent rates differ?
Malta taxes the same four bands (0%, 15%, 25% and 35%) but widens the tax-free 0% band and the 15% band depending on your situation. A single person pays no tax up to €12,000; a married couple up to €15,000; a parent up to €13,000; and the new 2026 rates widen the 0% band further for each qualifying child — up to €22,500 for a married couple with two or more children. Wider bands mean less tax at the same salary.
Do I qualify for the new 2026 child rates?
The enhanced Married and Parent child rates are for residents of Malta who maintain a qualifying child — one who is 18 or under, or under 24 and in full-time education. In addition, at least one spouse (for the married rates) or the parent (for the parent rates) must be a national of Malta or the EU/EEA, or a Long-Term Resident of Malta whose child was born and is resident in Malta. A married household with only one earner does not get the child rates. You declare your situation to the tax authority on form FS4. This calculator applies whichever schedule you select; it does not check your eligibility.
What is the Social Security Contribution?
Employed people pay a Class 1 Social Security Contribution of 10% of their basic weekly wage, up to a weekly maximum — €55.93 a week in 2026 (about €2,908 a year) and €54.43 in 2025 (about €2,830). Your employer pays an equal amount separately. It is charged on your gross pay and, unlike a pension, is not reduced by pension contributions. This calculator assumes an adult born on or after 1 January 1962 earning at least the national minimum wage.
Where do the figures come from?
Every rate and threshold is taken from Malta's Commissioner for Tax and Customs (MTCA) 2026 tax-rate schedules and cross-checked against PwC, Deloitte, KPMG and other reputable Malta tax summaries. The full list of sources is at the foot of this page with the date they were last checked. Results are estimates and not financial advice.
Assumes a resident individual on the selected rate schedule, an adult born on or after 1 January 1962 earning at least the national minimum wage, with no taxable benefits, bonuses or other adjustments. Estimates, not financial advice.