Highest Take-Home
Malta
2025
27.4%
effective tax rate
Take-home
$72,642
$6,053/mo
Income 24% Social 3%
On a $100,000 salary, you'd take home $72,642 in Malta versus $72,148 in United Kingdom.
Malta
$72,642
+$494/year
United Kingdom
$72,148
That's $41 more per month in Malta
Side-by-side breakdown
United Kingdom
2025-26 · London
27.9%
effective tax rate
Take-home
$72,148
$6,012/mo
Income 23% Social 5%
Tax rate by income level
Effective Tax Rate by Income
Shows effective tax rate (total tax / gross income) at different income levels in USD
Understanding the difference
Life & Taxes
Sunsets vs. City Lights
The UK remains a global hub for career-driven professionals and families seeking top-tier education, while Malta acts as a magnet for digital nomads and sun-seekers dreaming of a Mediterranean pace. Whether you are chasing the hustle of London or the turquoise waters of Sliema, both islands offer vastly different versions of 'island life' for the modern expat.
Vibe Check: Pubs vs. Piazzas
Living in the UK means cozying up in historic pubs and navigating a fast-paced, high-energy cultural scene that never sleeps. In contrast, Malta offers a laid-back lifestyle where life revolves around the sea, outdoor dining, and an endless summer atmosphere that feels like a permanent vacation.
The Taxman’s Cut
The UK employs a three-tier system with a generous personal allowance, but high earners quickly find themselves facing a steep top marginal rate of 45%. Malta utilizes a four-bracket structure with a lower top rate of 35%, often making it a more attractive destination for those looking to keep a larger slice of their paycheck.
The Social Safety Net
Your National Insurance in the UK fuels the legendary NHS and a robust welfare system, providing a sense of security regardless of your income level. Malta’s social security contributions are capped at a fixed weekly amount, offering a streamlined path to healthcare and benefits that reflects its small-community efficiency.
The Bottom Line
If you want to maximize your career growth and don't mind a higher tax bill for world-class infrastructure, the UK is your winner. However, for those prioritizing take-home pay and a sun-drenched Mediterranean lifestyle, Malta’s tax system and lower top-end rates offer a compelling financial advantage.
Detailed tax breakdown
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