Property · Energy
Solar ROI Calculator
New to solar or already have panels? Estimate savings, payback, and 25-year ROI under the 2026 REWS grant scheme.
Return on investment calculators for Malta.
Free, accurate, locally-aware. Built by someone who actually pays taxes in Malta.
Favourites
Property — buy, own, let
Letting · Tax
Rental Yield
Net yield, cash-on-cash return, and payback for a Maltese investment property — including stamp duty, TA24, and management costs.
Property · Investment
Rent vs Buy
Compare 25-year cost of renting vs buying in Malta, with mortgage interest, appreciation, and the primary-residence capital gains exemption.
Property · Lending
Mortgage Affordability
How much you can borrow at BOV, HSBC, APS, and MeDirect — with green loans and a 200 bps stress-test buffer.
Letting · Tax
TA24 Decision
Compare TA24 (15% flat) vs progressive tax vs Article 31E (5%) on rental income. Find your tipping point.
Property · Lending
Mortgage Extra Payment
See how much sooner your mortgage finishes — and how much interest you save — with a one-off lump sum or fixed monthly over-payment, paired against the same money in an ETF.
Income & investments
Income · Tax
Salary Calculator
Gross-to-net for Malta payroll — 2026 income tax bands, SSC Class 1/2, statutory bonuses, and effective tax rate.
Investment · Tax
Investment Return
Project the post-tax value of an ETF / index-fund portfolio for a Malta resident — TER drag, monthly DCA, and the 15% Investment Income Provisions tax on the gain at disposal.
Income · Tax
Couple Salary
Two earners, one household. Compares married-joint vs parent vs single-each filing routes under MTCA 2026 and recommends the cheapest combined net.
Guides — go deeper
View all guidesGuide · 10 min read
Malta Budget 2026 — what changed for your finances
Family tax reform (Married vs Parent Computation), First-Time Buyers permanent, €250k deposit scheme, COLA €4.66/week, PV feed-in tariff and the Investor Tax Credit. Every Budget 2026 measure that moves the numbers on your salary, mortgage or investment.
Guide · 10 min read
TA24 or progressive tax in Malta — which costs you less?
When to elect TA24, when progressive wins, when Article 31E applies — with two side-by-side worked examples.
Guide · 10 min read
How the Malta mortgage stress test really works
CBM Directive 16, the 40% DSTI ceiling, +200 bps stress, LTV caps, and the bank-by-bank quirks (BOV, HSBC, APS, MeDirect).