Not sure where your salary sits? The table below shows what a single employee takes home in Malta at 9 common salaries, using the same rules as the calculator above. A €15,000 salary leaves €13,050 a year, or €1,088 a month, which is 87% of the gross figure. At €100,000 the take-home share is 71%, or €5,958 a month.

Select a salary in the first column for its own page with the full breakdown, hourly and weekly pay. The last column shows the share of any extra pay you would keep after tax and contributions.

Two numbers describe your tax burden. The effective rate is the share of your whole salary that goes to tax and contributions. In Malta it rises from 13.0% to 28.5% across the salaries in the table above. The marginal rate is the share of your next unit of income that is taxed, and it is what matters when you consider a raise, overtime or a bonus.

The marginal rate is lowest around €15,000, where 25% of each extra amount goes to tax, and highest around €20,000, where it reaches 35%. Between those points the rate is not always a smooth climb, because allowances, credits and caps on social contributions switch on and off at different incomes.

A practical example: a 10% raise on €20,000 adds €2,000 to your gross pay but €1,300 to your take-home pay a year, so 65% of the raise reaches your account. Use the calculator and enter a bonus or overtime to see the same effect for your own numbers.

To see how the calculation works, here is a €20,000 salary for a single employee. The average full-time wage is €20,989, so this is a typical figure. The result is €16,400 a year, €1,367 a month or about €7.88 an hour on a 40-hour week.

The largest deduction is National Insurance, at €2,000 or 10.0% of gross pay. Taken together, tax and contributions amount to 18.0% of the salary. Put another way, you work from 1 January until about 7 March each year just to cover them, and about 7 of every 40 hours you work. Credits, where they apply, show as a plus sign because they reduce the tax you owe.

Job offers are quoted per year but bills arrive monthly, so it helps to see the same salary per period. The figures below divide the €20,000 example by 12 months, 26 two-week periods, 52 weeks, 260 working days and 2,080 working hours (a 40-hour week). Your own pay schedule, hours and holidays can differ, and you can change them under More Options in the calculator.

How much of a typical paycheque survives tax in Malta? The table applies the calculator to benchmark salaries from official statistics (the sources are listed in the “Do You Earn a Good Salary?” chart above). A full-time worker on the minimum wage keeps 90% of gross pay, while the average earner keeps 81%.

Single employee, standard settings, tax year 2026.

Maltese employees are paid weekly, fortnightly or monthly, and the employer withholds income tax under the Final Settlement System (FSS) and deducts the employee’s National Insurance contribution. Most employees also receive two statutory bonuses and a weekly or annual allowance in addition to basic pay.

Select your family status, because Malta applies different tax bands to single people, married couples and parents.

Income tax

Progressive rates of 0%, 15%, 25% and 35%, with the width of the lower bands depending on whether you are single, married or a parent.

National Insurance

10% of basic pay, with a minimum and maximum yearly contribution; students pay a flat amount.

Statutory bonuses

Two government bonuses totalling €512.52 a year can be included.