🇨🇾 Cyprus vs 🇲🇹 Malta: 2026 take-home pay
At $120,000 gross (single filer, 2026 model), estimated net is about $92,000 for Cyprus versus $88,000 for Malta. Cyprus vs Malta at $120k: both are EU hubs — Cyprus often edges on headline employee net
2026 tax data · Last reviewed: April 1, 2026 · Source: methodology
TL;DR — Key Takeaways
- →At $120,000: Cyprus ≈ $92,000 net vs. Malta ≈ $88,000 (illustrative).
- →Both have non-dom / remittance nuances that can dominate for internationally mobile earners.
- →Use regime toggles — headline comparisons mislead for remittance-based planning.
Net Pay at $120,000 Salary (2026)
| Country | Estimated net (USD) |
|---|---|
| 🇨🇾 Cyprus | $92,000 |
| 🇲🇹 Malta | $88,000 |
🇨🇾
Cyprus
$92,000
estimated net take-home
Top rate: 35%
🇲🇹
Malta
$88,000
estimated net take-home
Top rate: 35%
Annual delta at $120,000
🇨🇾 Cyprus saves $4,000/year
Over 10 years at 7% compounding: $59,120 more
Capture this saving
Keep $4,000/year. See what moving to 🇨🇾 Cyprus actually takes
That $4,000/year only kicks in once you qualify as a Cyprus tax resident. Create a free account to save this comparison and get your personal relocation plan: how many residency days you need, which visa route fits, the exit-tax to check when leaving Malta, and the date your savings start.
Free account | 30-day Premium trial | no card
Planning one move, not full-time travel? Domicyle builds a one-time relocation plan too, not just nomad day-tracking.
Key Tax Differences
| Factor | 🇨🇾 Cyprus | 🇲🇹 Malta |
|---|---|---|
| Top income tax rate | 35% | 35% |
| Effective rate at $100k | 24% | 27% |
| Taxation basis | Worldwide | Worldwide |
| Special regimes | Non-Domiciled Status, 60-Day Tax Residency Rule | Malta MRVP tax, Global Residence Programme (GRP) |
🇨🇾 Cyprus — Key Tax Facts
- →Income tax (2026): 0% below €22,000; then 20% / 25% / 30% / 35% progressive bands.
- →Non-Dom status: 0% tax on dividends and interest — major advantage for investors and entrepreneurs.
- →60-day rule: become a Cypriot tax resident with just 60 days in Cyprus (conditions apply).
- →No inheritance tax, no wealth tax.
- →GeSY (National Health System): 2.65% employee + 2.9% employer contribution.
- →EU member (not Schengen); popular with tech founders and crypto entrepreneurs.
🇲🇹 Malta — Key Tax Facts
- →Standard income tax: 0%–35% progressive.
- →MRVP/GRP regime: 15% flat rate on foreign income remitted to Malta; minimum annual tax €15k–€25k.
- →Non-Dom status: foreign income not remitted to Malta is generally not taxed in Malta.
- →National Insurance capped at relatively low levels — effective employee NI rate is moderate.
- →Capital gains on Maltese property: 8% final withholding or progressive rate.
- →EU and Schengen member — English-speaking, EU banking access.
Calculate for your exact salary
Enter your income and compare Cyprus vs Malta (and 50+ other countries) in real time.
🇨🇾 Cyprus vs 🇲🇹 Malta at every salary
| Gross | 🇨🇾 Cyprus | 🇲🇹 Malta | Annual gap |
|---|---|---|---|
| $50,000 | $39,175 | $41,663 | Malta $2,488 |
| $75,000 | $56,170 | $59,491 | Malta $3,321 |
| $100,000 | $71,583 | $74,450 | Malta $2,867 |
| $125,000 | $85,518 | $88,067 | Malta $2,549 |
| $150,000 | $102,733 | $105,500 | Malta $2,767 |
| $200,000 | $136,199 | $139,667 | Malta $3,468 |
| $250,000 | $168,383 | $172,900 | Malta $4,517 |
| $500,000 | $322,883 | $334,400 | Malta $11,517 |
More comparisons
Digital nomad tax planning hub — residency, FEIE & visa taxes →
- Taxes for digital nomads — short answer →
- Malta MRVP tax — remittance & minimum tax FAQ →
- Cyprus tax residency — 60-day + Non-Dom FAQ →
Estimates assume a single filer with no dependents and no treaty benefits. Not tax advice. See methodology.