Tax, bookkeeping and invoicing for Malta’s self-employed You just got paid. How much of it is yours?
Log a payment. Settlano sets aside income tax, Class 2 and VAT at Maltese rates, and shows what’s yours to spend.
iPhone first, by invite through TestFlight (Apple’s own beta app). Free while it’s in beta.
A tax surprise is just arithmetic you did too late.
So do it now: live, this second. Feed in a year of invoicing and watch what actually stays with you.
Type a figure, tap an amount, or drag, to see the split.
Settlano works this out on every payment you log, and on every invoice the moment you send it.
Join the betaIllustrative: single, full-time self-employed, born 1962 or later, no expenses, steady year, VAT Article 11 under €35,000. 2026 rates, verified 13 Jul 2026. In the app, the split follows your own profile.
Yours to spend
€0
The whole app is four tabs.
Every figure below is the app’s own, on demo data.
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01 · Today
What’s yours, right now.
Log the payment. Income tax, Class 2 and VAT come off at the year’s rates the instant you log it, and Safe to spend updates on your home screen and widget: the one figure with the tax already out of it.
- A tax coach that shows its working. Malta-specific tips worked out from your own figures: the pension credit, the true rate on your next euro. Every tip names the rule it came from. The freelancer tax guide →
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02 · Books
Log it in seconds.
Type the amount, or send a Settlano invoice and it books the income for you.
- Invoices that log their own income. A PDF with your logo and the particulars Cap. 406 asks for. Send it and the income is booked, split and all; if it goes overdue, you’ll know the day it happens.
- Expenses, with the receipt behind each one. Photograph a receipt and the amount, supplier and date fill themselves in, on your device. Supplier VAT numbers and input VAT go into a register your accountant can use as it is. Books, the tracker →
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03 · Deadlines
30 April. 31 August. 21 December.
Every Maltese tax date on one timeline, with a reminder before each, an estimate beside it, and a tick once it’s paid. See every 2026 deadline, explained.
Provisional tax, all three instalments30 Apr, 31 Aug, 21 DecClass 2 social security, every instalment30 Apr, 31 Aug, 21 DecTA22 part-time flat-rate paymentby 30 AprVAT returns, on your own VAT periodquarterly · the 15thTA24 rental income paymentby 30 AprThe annual tax return30 Jun / 31 Jul online -
04 · Year
What the year has cost you so far.
- The 10% flat rate, double-checked. If you’re employed with a side income, Settlano runs the TA22 flat rate against the normal bands on your figures and tells you which wins, and whether you qualify at all. TA22, explained →
- Your VAT threshold, watched. A live meter climbing toward the €35,000 Article 11 line, counted by supply date, the way the tax office counts it. The VAT threshold, explained →
- A tidy year, in one tap. Profit and loss, income and expense registers, a VAT summary, out as PDF and CSV. Hand over a finished folder, not a shoebox of receipts.
Built for Malta
Most tax apps have never heard of TA22.
Every Maltese rule the app follows, explained in plain English, each with its own calculator where one helps.
- Self-employed tax calculator Your net profit, split into income tax and Class 2, band by band.
- The €35,000 VAT threshold What counts, what doesn’t, and what happens on the day you cross it.
- Malta tax deadlines 2026 Every statutory date in order, what late costs, and a calendar file for each year.
- Provisional tax: 20/30/50 The three instalments, the benchmark behind them, and a calculator.
- The Malta freelancer tax guide, 2026 Bands, Class 2, provisional tax and the return, in the order you meet them.
- TA22: the part-time flat rate Who qualifies, the annual cap, and when the bands beat it anyway.
- Malta Budget 2027, for the self-employed Read Monday 26 October: what is known so far, where each pledge stands, and a 2026 against 2027 calculator that switches on that night.
Checked against Maltese law, tax year by tax year.
Rates, bands, the Class 2 tables and the VAT rules come from the Income Tax Act, the Social Security Act and the VAT Act, dated by tax year. The calculator on this page reads the same tables.
Settlano gives you planning estimates, not tax advice. They run on the same Maltese rules your accountant works from, and when those rules change, an update carries the new ones.
Come filing time, hand your accountant a clean set of figures to sign off, or check any of it yourself against the Malta Tax and Customs Administration. How every figure is sourced and checked, and how a mistake is corrected, is on the About page.
- Cap. 406VAT ActThe VAT rules
- Cap. 318Social Security ActThe Class 2 tables
- Cap. 123Income Tax ActRates and bands
An app that never sees your money.
Your books, the tax engine and every figure it works out stay inside your phone.
No bank connections.
You log what you choose. The app never asks for or receives bank credentials, and nothing connects to your bank unless a future version offers it and you switch it on yourself. Offline, on your phone alone, is the default and will stay the default.
No account.
No server holds your numbers. Your data lives on your phone, with an encrypted backup only you can open.
No tracking software.
No analytics or tracking software in the app, and none on this page, which sets no cookies. While you test the beta, Apple’s TestFlight sends us crash reports and usage statistics, which testers cannot switch off; it cannot see your books.
Rates, if you ask.
Turn it on and the app downloads the European Central Bank’s public exchange rates. The request carries nothing from your books.
- The screen
- What’s yours, worked out the moment you log a payment, on the phone itself.
- Face ID lock
- The app locks behind Face ID from the first launch, and the widget hides its amounts while the phone is locked.
- Tax engine
- Income tax, Class 2 and VAT are worked out here, by the same engine the calculators on this site run. No server computes anything.
- Your books
- Every income, expense, invoice and receipt you enter is stored on this phone, and nowhere else.
- Backup
- An encrypted backup (AES-256) that only your passphrase opens. You choose where it goes; we cannot open it.
requests: from this site, from anywhere else.
Pricing
One price, and the whole of it below.
Tax
- The set-aside engine. Income tax, Class 2 and VAT taken off every payment as you log it, on the year’s own rates.
- The TA22 comparison. Whether the 10% flat rate beats the bands for you, recalculated as the year moves.
- The €35,000 VAT line. Counted by supply date, with a warning before you cross it rather than after.
Paperwork
- Invoices and quotes. Gapless numbering, credit notes, part payments, multi-currency, recurring retainers, and a QR code your client’s bank app can scan.
- Expenses, each with its receipt, scanning included, and capital items spread over their proper life.
- An accountant pack. P&L, registers and a VAT summary as one PDF.
Filing and privacy
- The Maltese calendar. Provisional tax, VAT returns, Class 2 and the TA24 rental date, each with a countdown and an estimate.
- Filing figures, per return. The numbers to type, copyable, with the box each one goes in where the form numbers its boxes.
- Everything on your phone, with an encrypted backup only your passphrase opens.
Prices include VAT. The first 7 days are free, every feature included, with nothing to cancel. After that it’s a subscription through Apple, renewing until you cancel it in your App Store settings; Apple handles billing and refunds, and the terms spell it out. The beta is free, and testers shape what ships next.
Be one of the first twenty.
We’re inviting twenty Maltese freelancers to use Settlano before it launches and tell us what’s wrong with it.
Or just email
iPhone (TestFlight) first, Android next, and invites go out in small weekly batches.
Settlano is built in Malta by one person. Your invite comes from them, not a noreply.
Questions, answered.
Anything else: support@settlano.com
I’m employed and freelance on the side. Is Settlano for me?
Especially you. Side income is where the surprises hide. Settlano stacks your freelance earnings on top of your salary to show your real marginal rate, and checks whether the TA22 10% flat rate beats the standard bands. It knows the Class 2 rules, too: if you are employed full-time, you pay Class 1 through your job and owe no Class 2 on the side activity; if your job is part-time, you can still owe Class 2 on what you freelance.
Why not just a spreadsheet?
A spreadsheet can’t watch the calendar. Settlano counts your turnover toward the €35,000 VAT line by supply date, warns you before you cross it, and knows the day each provisional-tax and Class 2 instalment falls, live, on your home screen. A spreadsheet is a snapshot you have to remember to open; this is the number, updated as you log.
Why not just leave it to my accountant?
You still should, for the filing. But your accountant sees you once or twice a year. Settlano keeps the running figure between those visits, then hands them a clean folder: P&L, registers, a VAT summary.
Is this tax advice?
No. Settlano gives you planning estimates so you can see what is coming before it is due. The rules behind them are checked against published Maltese law, and every Tax Coach tip cites its source, but the decisions stay with your accountant or the MTCA.
Where does my data live?
On your phone. No account, no server holding your books, no bank connection, no analytics software. While you test the beta, Apple’s TestFlight sends us crash reports and usage statistics, which testers cannot switch off; it cannot see your books. You can export an encrypted backup that only your passphrase opens, handy for switching devices or keeping an audit copy. Everything that does leave the phone, and why, is in the privacy policy.
What does it cost?
The beta is free. At launch, Settlano Pro is €12.99 a month or €124.99 a year, after a 7-day free trial, and a new subscriber’s first year of the yearly plan is €99.99, 20% off, before it renews at €124.99. When the trial ends, adding anything new needs a subscription: there is no free tier, though everything you already logged stays readable and exportable without paying. And when the beta ends, nothing is charged: TestFlight never bills you. You’ll be invited to the App Store version, and subscribing is your call. Setting up the beta does start the 7-day trial clock, so if you later install the App Store version on the same phone, the subscription screen may appear at once; your data stays readable and exportable either way.
What’s TestFlight?
Apple’s own app for trying pre-release apps: free, made by Apple, removable anytime. Install TestFlight from the App Store, tap the invite we email you, and Settlano appears. No payment details needed.
Android?
It’s built, with receipt scanning, the widget and reminders, all of it, but it hasn’t been tested on a real Android phone yet, only an emulator. iPhone goes first. Android is version two, and we’d rather say that than promise a date we’d miss. Join the list and pick Android, and you’ll hear the day it’s real.
When do invites go out?
In small weekly batches, so the beta group stays small enough to talk to. Join the list and a TestFlight invite lands in your inbox. Reply to it and you reach the person who builds the app.