Freelance tax for Malta’s self-employedYou just got paid.Now, how much is actually yours?
Log the payment. Settlano sets aside income tax, Class 2 and VAT at your real Maltese rates, and leaves you one number that’s genuinely yours to spend, right on your home screen. Built for Malta’s self-employed, and nobody else.
iPhone first, by invite through TestFlight (Apple’s own beta app). Free the whole way through.
The split
A tax surprise is just arithmetic you did too late.
So do it now: live, this second. Feed in a year of invoicing and watch what actually stays with you.
Type a figure, or tap an amount, to see the split.
Illustrative: single · full-time self-employed · born 1962 or later · no expenses · steady year · VAT Article 11 under €35,000 · 2026 rates. In the app, the split follows your own profile.
That’s what’s actually yours, the taxman’s cut already carved out.
Put it on your home screen, join the betaDay to day
Three seconds to log.
All year to relax.
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Log the payment
€850 in from a client? Type it, or send a Settlano invoice and let marking it paid log the income for you.
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Settlano does the split
Income tax, Class 2 and VAT set aside at your real rates, the instant you log it. No spreadsheet. No April dread.
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Spend without the maths
“Safe to spend” updates on your home screen and widget, the one figure that already has the taxman’s cut carved out.
Every deadline, already handled
Every Maltese tax deadline, handled in one place
30 April. 31 August. 21 December.
You’ve got better things to memorise. Every Maltese tax date lives on one timeline: a nudge before each, an estimated amount beside it, and a genuinely satisfying tick once it’s paid.
Built for Malta. Only Malta.
Most tax apps have never heard of TA22.
Settlano speaks Maltese tax as a first language, the actual rules that decide what you owe.
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TA22TA22 explained →
The 10% flat rate, double-checked
Salary plus a side gig? Settlano runs the TA22 flat rate against the normal bands on your real numbers, and tells you which one wins, and whether you even qualify.
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VAT Act Art. 11VAT threshold guide →
Your VAT threshold, watched
A live meter climbing toward the €35,000 Article 11 line, counted by supply date, exactly the way Malta’s tax office counts it.
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CoachFreelancer tax guide →
A tax coach that shows its working
Malta-specific tips worked out from your own figures: the pension credit, the true rate on your next euro. Every tip names the rule it came from.
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Cap. 406Invoicing rules →
Invoices that log their own income
Send a clean, branded PDF with your logo. Mark it paid and the income files itself, split and all. Goes overdue? You’ll hear it first.
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Input VATExpenses & input VAT →
Expenses, audit-ready
Photograph a receipt and the amount, supplier and date fill themselves in, all on your device. Supplier VAT numbers, input VAT, a register your accountant will actually thank you for.
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P&L · CSVFiling your return →
A tidy year, in one tap
Profit and loss, income and expense registers, a VAT summary, out as PDF and CSV. Hand over a finished folder, not a shoebox of receipts.
References TA22 · 10% flat rate VAT Act Art. 11 · €35,000 Class 2 SSC · 15% Provisional tax · 20/30/50 TA24 rental · 15% Cap. 406 invoicing Full glossary →
Private by design
A tax app that never sees your money.
No bank connections.
You log what you choose. Nothing is pulled from anywhere, ever.
No account.
There’s no server holding your numbers. Your data lives on your phone, full stop, with an encrypted backup only you can open.
No tracking.
None in the app, and none on this page. No analytics, no cookies. Go on, read the source.
Built on the real rules
Checked against Maltese law. Refreshed every year.
Rates, bands, the Class 2 tables and the VAT rules all come from published Maltese sources (the Income Tax Act, the Social Security Act, the VAT Act), shipped as versioned, year-by-year configs. Even the calculator on this page runs on the app’s own rate tables.
Pricing, plainly
Roughly one question to an accountant.
7-day free trial. Cancel anytime in the App Store. The beta is free, and beta testers get a real say in what ships next.
Join the beta
Be one of the first twenty.
We’re inviting the first twenty Maltese freelancers to shape Settlano before it launches. If a surprise tax bill has ever wrecked your week, this was built for you.
Rather just email? Write to
iPhone (TestFlight) first · Android next · invites go out in small weekly batches
Settlano is built in Malta by one person. Your invite comes from them, not a noreply.
Questions, answered
Fair questions.
I’m employed and freelance on the side. Is Settlano for me?
Especially you. Side income is where the surprises hide. Settlano stacks your freelance earnings on top of your salary to show your real marginal rate, and checks whether the TA22 10% flat rate beats the standard bands. It knows the Class 2 rules, too: full-time employees are already covered through payroll under Class 1, while part-timers still owe Class 2 on what they freelance.
Why not just a spreadsheet?
A spreadsheet can’t watch the calendar. Settlano counts your turnover toward the €35,000 VAT line by supply date, warns you before you cross it, and knows the day each provisional-tax and Class 2 instalment falls, live, on your home screen. A spreadsheet is a snapshot you have to remember to open; this is the number, always current.
Why not just leave it to my accountant?
You still should, for the filing. But your accountant sees you once or twice a year, and a tax bill is only a surprise because nobody did the arithmetic in time. Settlano keeps the running figure between those visits, then hands your accountant a clean folder (P&L, registers, a VAT summary) instead of a shoebox of receipts.
Is this tax advice?
No. Settlano gives you planning estimates so nothing lands as a shock. The rules behind them are checked against published Maltese law, and every Tax Coach tip cites its source, but the decisions stay with your accountant or the MTCA.
Where does my data live?
On your phone. No account, no server, no bank connections, no analytics. You can export an encrypted backup that only your passphrase opens, handy for switching devices or keeping an audit copy.
What does it cost?
The beta is free. At launch, Settlano Pro is €6.99 a month or €49.99 a year, after a 7-day free trial, about what one question to an accountant costs. And when the beta ends, nothing is charged automatically: TestFlight never bills you. You’ll simply be invited to the App Store version, and whether you subscribe is entirely your call.
What’s TestFlight?
Apple’s own app for trying pre-release apps: free, made by Apple, removable anytime. Install TestFlight from the App Store, tap the invite we email you, and Settlano appears. No payment details, no jailbreak nonsense.
Android?
Built, and at full feature parity: receipt scanning, widget, reminders, the lot. iPhone goes first through TestFlight; Android follows close behind.
When do invites go out?
In small weekly batches, so the beta group stays small enough to actually talk to. Join the list and a TestFlight invite lands in your inbox. Reply to it and you’re talking straight to the developer.