See the Budget tracker for announcements and effective dates.
How does take-home pay compare with the UK?
Annual GBP at the same gross salary, using the UK and destination engines. Single employee, no children or voluntary pension contributions. A converted salary is not a local job offer.
| Gross salary | UK take-home | Malta take-home | Difference before rent |
|---|---|---|---|
| £50,000.00 | £39,519.60 | £37,911.64 | -£1,607.96 |
| £75,000.00 | £54,057.40 | £54,185.32 | £127.92 |
| £100,000.00 | £68,557.40 | £70,435.32 | £1,877.92 |
| £150,000.00 | £91,286.40 | £102,935.32 | £11,648.92 |
How is employee pay taxed?
Ordinary single-person resident bands and employee contributions determine the salary estimate. Special programmes and remittance-based treatment have separate conditions and are excluded.
Tax period: 2026. Main city used: Valletta.
What is Malta's remittance basis?
A remittance is money or value brought into Malta from abroad. Tax treatment can depend on the kind of receipt and the person's residence and domicile. Foreign income and foreign capital gains need separate classification under Malta's Income Tax Act.
Keep records that show where transferred money came from. A balance can mix original capital with income from different periods. A British exemption does not establish a Maltese exemption.
Which special tax programme applies to new arrivals?
The employee table uses ordinary single-person resident bands and contributions. It excludes special programmes and remittance-based calculations. The tax free countries guide explains how those comparisons differ.
Will my UK State Pension increase in Malta?
Malta is within DWP's European Economic Area coverage for annual increases. Tax on private pensions and provider rules need their own checks in the UK pensions abroad guide.
What permission do I need to live and work here?
UK citizens need a visa or residence permit to stay over 90 days or to work. Apply through Identita after arrival. Permanent residency possible after 5 years with stable income. Dual citizenship allowed.
How do British citizens get permission to live in Malta?
GOV.UK Living in Malta links the routes administered by Identita. The right route depends on the proposed activity and any protected existing rights. A visitor's entry permission does not settle the right to work or stay indefinitely.
Where can I check investment residence rules?
Read the Malta permanent residence investment requirements alongside the investment residence comparison. Immigration permission and tax residence need separate checks.
How much rent does the comparison assume?
Rent estimate in Valletta: €1,262.50/month for a city-centre one-bedroom home; Numbeo: Valletta city-centre one-bedroom rent, checked 25 October 2026; method and exclusions.
Getting residence
For local employment, Identità’s Single Permit combines residence and employment permission for a specified employer and job. Study and family stays use separate routes. The permit does not allow unrelated work for another employer.
Identità, Single Permit. Source undated. Checked .
Residency Malta’s Nomad Residence Permit covers qualifying remote work for overseas employers or clients. Applicants need at least EUR 42,000 gross yearly income, plus accommodation and health insurance. It does not replace permission for ordinary local employment.
Residency Malta, Nomad Residence Permit FAQs. Source date: . Checked .
Healthcare
Workers who pay Maltese social security contributions qualify for state healthcare. Register as a resident and keep evidence of entitlement. Non-workers can check the Reciprocal Healthcare Agreement Entitlement Card; it provides less cover than the contribution route.
Department of Health and Social Care, healthcare in Malta. Source date: . Checked .
An eligible UK State Pension recipient can ask NHS Overseas Healthcare Services for an S1 certificate, which confirms UK-funded healthcare. Register it with the Entitlement Unit. Eligibility depends on which country is responsible for your healthcare.
Department of Health and Social Care, healthcare in Malta. Source date: . Checked .
Schools
Foreign pupils can enter state schools. British newcomers are non-EU applicants and register through the International Learners Directorate. Contact it before assuming a particular school has a place.
servizz.gov.mt, admission into Maltese state schools. Source date: . Checked .
Banking and money
Lawful EU residents can request a basic payment account here, subject to identity and anti-money-laundering checks.
European Commission, basic payment accounts. Source undated. Checked .
The currency is the euro (EUR).
European Central Bank, euro area countries. Source undated. Checked .
Declare cash of EUR 10,000 or more when entering or leaving the EU.
European Commission, EU cash controls. Source undated. Checked .
Cost of living
Household price level: 91.9 in 2025, EU average 100. Preliminary national comparison; your household budget will differ.
Statistics Norway, Eurostat price level survey. Source date: . Checked .
Driving
Exchange a UK licence through Transport Malta before 12 months of residence have passed if you want to keep driving. The exchange does not require a theory or practical driving test.
FCDO, Living in Malta. Source date: . Checked .
UK pensions
The UK State Pension receives annual increases in Malta.Frozen State Pension guide.
DWP, State Pension annual increases country list. Source date: . Checked .
See the Moving abroad checklist for UK reporting and residence checks, school questions and bank account checks.