# Check any Malta tax calculator, including this one

Source: https://settlano.com/check-a-malta-tax-calculator (this is the Markdown copy of that page)

*By [Settlano](https://settlano.com/about) · Last updated 9 October 2026*

Most Maltese tax calculators simplify something, and the simplifications are reasonable until the figure they change is yours. Here are five checks you can run in a few minutes: Class 2's floor and ceiling, the tax year, profit against sales, last year's profit for Class 2, and the dates. Run them on ours too. That's why they're published.

**Key fact:** For 2026, a correct calculator uses the single rates, 0% up to €12,000, then 15% to €16,000, 25% to €60,000 and 35% above, and Class 2 at 15% of last year’s net profit, at least €36.18 and at most €83.89 a week ([MTCA income tax rates](https://mtca.gov.mt/personal-tax/tax-rates/tax-ratesindividuals/2026) and [MTCA Class 2 rates](https://mtca.gov.mt/personal-tax/fss/social-security-contribution-rates/class-2---social-security-contribution-rates/2026); 2026 rates, verified 13 Jul 2026).

## Check one: does it know the Class 2 floor and ceiling?

This is the one that costs real money, and it's the easiest to test. [Class 2 social security is 15% of last year's net profit](https://settlano.com/class-2-social-security-malta#how-much-you-pay), but it's held between a weekly minimum and a weekly maximum. A calculator that just takes 15% is right in the middle and wrong at both ends.

Put your profit in and see the size of the gap.

*Worked by the calculator on this page (https://settlano.com/check-a-malta-tax-calculator) for its prefilled figures:*

On €8,000 of profit, Class 2 is €1,881.36 a year and the 15% shortcut says €1,200.00: it UNDERSTATES by €681.36. The weekly minimum applies whatever you earned, so this is a bill you would not have saved for.

The two agree only in MTCA’s middle band, from €12,543.73 to €29,083.35 of last year’s profit. Below it the weekly minimum applies whatever you earned, so a flat 15% understates what you owe. From €29,083.36 the weekly maximum caps it, so a flat 15% overstates, and the gap keeps widening: at €90,000 of profit it's out by more than €9,000.

Strict arithmetic puts the two crossings at €12,542.40 and €29,081.87: 52 weeks at €36.18 and at €83.89, divided by 15%. MTCA’s band edges sit a euro or two higher because the weekly amounts are rounded.

> Neither direction is harmless. Understating means a bill you didn't save for. Overstating means money sitting idle that was always yours, and a business that looks less viable than it is.

## Check two: does it say which year, and when it was checked?

Malta's income tax bands moved for 2025, and Budget 2026 added [four family tables](https://settlano.com/malta-tax-rates#the-family-tables) for income from 2026. A calculator with no tax year on it can't be checked against anything, and one that names a year without a date doesn't tell you whether anyone has looked since.

Both are easy to verify. Look for a year, look for a date, and look for a link to the rule rather than a claim about it. Our pages carry all three, which is the only reason we're comfortable asking you to check.

## Check three: does it know turnover from profit?

These are different numbers and they answer different questions. Income tax and Class 2 are charged on your **net profit**, after the costs you incurred wholly and exclusively to earn the income. The VAT registration threshold counts **turnover**, before any costs at all, by supply date.

A calculator that asks for one figure and uses it for both will put you on the wrong side of the VAT line, in one direction or the other. If the input just says "income", find out which one it means before you trust the answer.

## Check four: does it charge Class 2 on last year's profit, and say so?

Class 2 for 2026 is charged on your 2025 profit, not this year's. A calculator that takes this year's profit and says nothing is quietly assuming the two years were the same. If your profit jumped or fell, that assumption can be out by as much as €2,480.92 for the year, the gap between the weekly minimum and the weekly maximum over 52 weeks. Ours makes the same assumption, and says so under the answer.

In your first year there is no previous year at all: Class 2 is the weekly minimum, €36.18, whatever you earn.

## Check five: does it get the dates and the instalments right?

Provisional tax and Class 2 fall due on 30 April, 31 August and 21 December, not 31 December. The return and its tax are due on 30 June in law; for 2026 MTCA moved filing and payment to 31 July.

The instalments are worked out on the tax in your last return that was due before the year began: for 2026, the return covering your 2024 income. A calculator that splits this year's tax into three instalments is not showing what MTCA will ask you for, and one that gets a date wrong may have other things wrong too. [Every Malta tax deadline](https://settlano.com/malta-tax-deadlines) is listed with its source.

## How does this site's calculator pass?

Every calculator on this site runs the tax engine inside the Settlano app, compiled to run in your browser, on the same dated rules file the app uses. There's no second implementation on the website to drift away from the product, and before every deploy the rates, thresholds and worked figures the guides quote are checked against that file.

The rates live in one configuration file, each rule carrying the provision it comes from, and every page prints the tax year and the date those rules were last verified. When the rules change, one file changes and everything that reads it follows.

None of that makes us right. It makes us checkable, and that's the part you can verify before you trust anything. The same engine's figures at five profit levels are in [what a Maltese freelancer actually keeps](https://settlano.com/what-a-maltese-freelancer-keeps), and the reasoning behind them in [the Malta freelancer tax guide](https://settlano.com/malta-freelancer-tax-guide).

[Run the calculator](https://settlano.com/self-employed-tax-calculator-malta)

## Common questions

### Is a Malta tax calculator that uses 15% for Class 2 wrong?

Only outside the middle band. Class 2 is 15% of last year's net profit, but it's held between a weekly floor of €36.18 and a weekly ceiling of €83.89, so a flat 15% is right only where 15% of profit falls between the two. Below that it understates the charge, because the floor applies whatever you earned. Above it, it overstates, and the gap keeps growing: at 90,000 euro of profit a flat 15% is out by more than 9,000 euro.

### Why do calculators leave the floor and ceiling out?

Because 15% of profit is one line of arithmetic and the clamp is three, and because the window where they agree covers a lot of ordinary freelance incomes. It's a reasonable simplification right up until it's your figure, which is exactly when you need it to be right.

### What should a calculator tell me about its own rates?

Which tax year it is computing, and when those rates were last checked. Malta's bands moved for 2025, and Budget 2026 added four family tables for income from 2026, so a page with no year on it can't be checked at all, and a page that names a year without a date doesn't tell you whether anyone has looked since.

### Does this apply to Settlano's own calculator?

Yes, and that's the point of publishing the tests. Run all five on our calculator. It computes with the same engine as the app, it shows the tax year and the date the rates were verified, it starts from net profit rather than turnover, which is why it says so on the input, and it says under the answer that it takes last year's profit to be the same as this year's.

## The figures on this page

- The Class 2 clamp: €36.18 a week floor, €83.89 a week ceiling (2026) · [MTCA Class 2 rates, 2026](https://mtca.gov.mt/personal-tax/fss/social-security-contribution-rates/class-2---social-security-contribution-rates/2026)
- 15% of net profit is the rate the clamp holds · [MTCA Class 2 rates, 2026](https://mtca.gov.mt/personal-tax/fss/social-security-contribution-rates/class-2---social-security-contribution-rates/2026)
- The income tax bands the year is computed on: 0%, 15%, 25% and 35% · [MTCA tax rates, 2026](https://mtca.gov.mt/personal-tax/tax-rates/tax-ratesindividuals/2026)

Every figure above is read from the same dated config the Settlano engine computes with: 2026 rates, verified 13 Jul 2026 · The charging acts: [Cap. 318](https://legislation.mt/eli/cap/318/eng). The rules behind them were put to a commissioned accountant and legal review in August 2026, before launch.

## Changes to this page

Changes to what this page tells you, newest first, with the law behind each: corrected where it had been wrong, clarified where it could mislead, and where the law itself changed. New sections and rewording that keeps the meaning are not listed.

- **9 Oct 2026:** **Corrected.** Provisional tax is worked out on the tax in the last return that was due before the year began: for 2026, the return for year of assessment 2025, which covers 2024 income. With no such return the benchmark is nil, so a business started in 2026 usually has its first instalments in 2028. Source: S.L. 372.18, rules 2, 4 to 6 and 7(1)(c).
- **9 Oct 2026:** **Clarified.** Budget 2026's four family tables apply to income earned from 2026 (year of assessment 2027), so a return for 2025 income cannot use them. Source: Act III of 2026, articles 13(2)(b) and 19.
- **9 Oct 2026:** **Clarified.** A flat 15% agrees with Class 2 only in MTCA's middle band, from €12,543.73 to €29,083.35 of last year's profit; the weekly maximum applies from €29,083.36. Source: MTCA, Class 2 rates for 2026.
- **8 Oct 2026:** **Corrected.** Class 2 is 15% of last year's net profit, held between the weekly minimum and maximum. Source: Cap. 318.

> Estimates, not advice. This page is general information about Maltese tax rules for planning. It is not tax, legal or accounting advice. Figures are for the 2026 tax year (2026 rates, verified 13 Jul 2026) and should be confirmed with your accountant or the Malta Tax and Customs Administration (MTCA).