What do you actually take home in Malta?
Drag the slider or type your gross. We'll work out your income tax under Budget 2025 brackets, the flat 10% social security contribution, and the net you keep each month.
€23,070 per year · 23.1% effective rate
How your take-home scales
The shallower the curve gets, the more of each extra euro you lose to tax — slope changes at every bracket boundary.
- Gross annual
- €30,000
- Income tax Top bracket 25%
- − €4,100
- Social security Capped at annual ceiling
- − €2,830
- Net annual
- €23,070
- Net monthly Excludes statutory bonuses & COLA
- €1,922
How the maths breaks down.
Malta's income tax is progressive: every euro you earn falls into one of four brackets. Budget 2025 raised every 0% threshold by up to €2,900, so most full-time workers pocketed roughly €350–€675/year extra compared to 2024.
| Income | Rate | Subtract |
|---|---|---|
| €0 – €12,000 | 0% | — |
| €12,001 – €16,000 | 15% | €1,800 |
| €16,001 – €60,000 | 25% | €3,400 |
| Over €60,000 | 35% | €9,400 |
| Income | Rate | Subtract |
|---|---|---|
| €0 – €15,000 | 0% | — |
| €15,001 – €23,000 | 15% | €2,250 |
| €23,001 – €60,000 | 25% | €4,550 |
| Over €60,000 | 35% | €10,550 |
| Income | Rate | Subtract |
|---|---|---|
| €0 – €13,000 | 0% | — |
| €13,001 – €17,500 | 15% | €1,950 |
| €17,501 – €60,000 | 25% | €3,700 |
| Over €60,000 | 35% | €9,700 |
Tax = income × rate − subtract. For example, €30,000 single → 30,000 × 25% − €3,400 = €4,100 in tax. Social security is a flat 10% on top, capped at €2,830.36/year (or €2,349.88 for workers born before 1962).
What this tool doesn't count
The headline number is the standard take-home for a Class 1 employee on a single salary. A few things sit outside that scope:
Statutory bonuses
Employers pay €512.52/year on top in four statutory instalments. They're taxable income, but we leave them out of the monthly headline because they don't arrive monthly.
Maternity Fund
A 0.3% Maternity Fund contribution is paid by your employer, never deducted from your wage. It's a payroll cost for them, not a take-home concern for you.
Self-employed (Class 2)
Different rules apply — a flat 15% rate paid in four-monthly instalments rather than the employer-matched 10%. This calculator is employee-only for now.
Pension & private benefits
Voluntary pension top-ups and private health schemes can reduce taxable income. Plug your post-deduction gross into the field above to see the effect.
Highly qualified persons
A flat 15% scheme exists for certain roles above €100,061 in eligible sectors (mostly gaming, aviation, financial services). Out of scope for the standard calculator.
COLA
The 2025 Cost of Living Adjustment dropped to €5.24/week (€272/year), down from €12.81 in 2024. Treated as taxable wage income — included if you bake it into your gross.
This calculator is an estimate, not tax advice. For the official source, see the Commissioner for Revenue and the Department of Social Security. Numbers reflect the rates in force for the 2025 basis year.
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