Social Security Contributions – Malta

Employees pay 10% social security contributions, automatically deducted from gross salary. Covers everything: pension, healthcare, sick leave, unemployment, injury benefits.

Contributions capped at around €58 per week (approximately €250/month). High earners hit this ceiling quickly - they don't pay 10% on entire salary, making Malta attractive for high incomes.

Minimum wage in Malta is approximately €900/month. Even part-time workers must contribute on proportional basis. Self-employed have minimum weekly contribution requirements.

Employers pay 10% on top of employee contributions. Total social security burden is 20% (10% employee + 10% employer). Both subject to same weekly ceiling.

Because of weekly ceiling, social security costs are capped. For example, someone earning €100,000/year pays same total as someone earning €50,000. Makes Malta competitive for skilled workers.

Self-employed pay 15% social security on net business income. Slightly higher than employees because you're covering both employee and employer portions. Weekly ceiling also applies.

Self-employed must pay minimum Class 2 contributions even if income is low or zero. Ensures you keep building pension entitlement and maintain healthcare coverage.