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Investment & Mutual Fund Calculator (Malta)

€
yr
%

Total value

€98,615

Expected return: 6.5%
Amount invested
€48,000
Estimated returns
€50,615
Total value
€98,615

Growth over time

120
Amount investedEstimated returns

Estimates only. Returns are not guaranteed; past performance does not predict future results.

How this investment calculator works

This free Malta investment calculator projects how your money could grow in mutual funds, index funds and ETFs. Enter a lump sum, a monthly amount, or both, choose an expected return and a time horizon, and it compounds month by month. It also shows your result after fees and after tax — including the personal pension 25% tax credit — and can adjust for inflation.

Using each mode

  • Monthly: enter a regular contribution; the calculator invests and compounds it each month.
  • Lump sum: model a single investment growing over time.
  • Step-up: increase your contribution by a set percentage each year.
  • Withdrawal: draw a regular income from a balance and see how long it lasts.
  • Goal: set a target and solve for the contribution, lump sum, time or return required.

Toggle inflation-adjusted, fees, after-tax and the conservative/expected/aggressive scenario band.

What return should I assume?

Global equities have returned roughly 6–8% a year over the long run before inflation; a diversified equity fund is commonly modeled at 5–7% net of fees. Past performance does not guarantee future results — use the scenario range. The calculator defaults to 6.5%.

How fund returns are taxed in Malta

Malta does not levy capital gains tax on units or shares listed on the Malta Stock Exchange for residents. For non-prescribed (typically foreign) collective investment funds, a 15% final withholding tax can apply on redemptions, with the option to declare gross instead. Non-residents are generally exempt. The third-pillar personal pension offers a 25% tax credit on contributions, capped at €750/year. Source: Commissioner for Revenue (Malta). Use the after-tax toggle and account selector to compare treatments.

How fees reduce returns

A fund's expense ratio (TER) is deducted every year and compounds against you. An index fund or ETF often charges 0.2%, while an active fund can charge over 1.5% — over decades that gap can cost tens of thousands of euros. Turn on the fees toggle to see your net-of-fees result.

Personal pensions and fund choices in Malta

The personal pension plan (third pillar) is a standout local incentive: a 25% tax credit (up to €750/year) effectively boosts every contribution. Beyond that, low-cost index funds and ETFs are tax-efficient given Malta's treatment of MSE-listed units. Switch the account type to compare a personal pension with an ordinary fund holding.

Is there capital gains tax on funds in Malta?⌄
There is no capital gains tax on units or shares listed on the Malta Stock Exchange for residents. For non-prescribed (foreign) funds, a 15% final withholding tax can apply on redemptions, with an option to declare gross. Non-residents are generally exempt.
How does the personal pension tax credit work?⌄
Contributions to a qualifying third-pillar personal pension plan earn a 25% tax credit, capped at €750 per year (on up to €3,000 of contributions). It effectively reduces the net cost of each contribution. Select the personal pension account to model the boost.
What return should I use for a Malta investment calculator?⌄
A diversified equity fund is commonly modeled at 5–7% a year net of fees, based on long-run global equity averages of roughly 6–8% before inflation. Returns are not guaranteed; use the conservative/expected/aggressive scenario band.
How do I calculate returns from monthly investing?⌄
Use the Monthly mode: enter your monthly contribution, the expected annual return and the number of years. The calculator invests and compounds each contribution and shows total invested versus estimated returns.
How much do fees cost over time?⌄
A lot. Because the expense ratio is charged every year on the whole balance, paying 1.5% instead of 0.2% can reduce a long-term result by tens of thousands of euros. Low-cost index funds and ETFs keep more of the return.
How much do I need to invest to reach €100,000?⌄
Use Goal mode, set the target to €100,000 and solve for the required monthly contribution. As a rough guide, at 6.5% growth, around €200 a month for 20 years approaches €100,000.