Free Business Tools & Calculators
Every free invoice24 tool in one place, built for Malta businesses — invoicing, payroll, tax calculators, converters, PDF tools, and generators. All free, no sign-up required.
Invoicing & Documents
Invoice Generator →Create and send professional invoices, free, no sign-up required.Receipt Generator →Generate itemised, print-ready receipts for any sale or payment.Quotation Generator →Create a professional quote or estimate to send to a prospective client.Quotation Generator →Create a firm, fixed-price quote or quotation a client can accept, then download as PDF.Credit Note Generator →Correct or cancel an already-issued invoice with a referenced credit note, then download as PDF.Malta Purchase Order Generator →Create and send purchase orders to suppliers, tracked and print-ready.Expense Report Generator →Log business expenses and generate an expense report for reimbursement or accounting.Invoice Templates →Free, downloadable invoice templates in Word, Excel, and PDF.Estimate Template →Download a free estimate template for Malta with editable line items, validity dates, VAT notes, and Word or Excel formats.Quote Template →Download a free quote template for Malta with acceptance terms, expiry dates, VAT notes, and Word or Excel formats.Proforma Invoice Template →Download a free proforma invoice template for Malta with line items, customs/payment notes, VAT caution, and Word or Excel formats.Credit Note Template →Download a free credit note template for Malta with original invoice reference, reason, VAT adjustment, and Word or Excel formats.Delivery Note Template →Download a free delivery note template for Malta with delivery address, item quantities, carrier details, signature fields, and Word or Excel formats.Purchase Order Template →Download a free purchase order template for Malta with PO number, supplier details, delivery address, approval fields, and Word or Excel formats.Itemized Invoice Template →Download a free itemized invoice template for Malta with detailed line items, quantities, unit prices, VAT, totals, and Word or Excel formats.Receipt Template →Create professional receipts for your business in Malta. Add line items, calculate VAT, and download as PDF — free, no sign-up required.Document Templates →Fill-in legal and business document templates — free Word and PDF downloads, no sign-up.Invoice Templates by Industry →Download industry-specific invoice templates in Google Sheets, Google Docs, Excel, and Word.Invoice Generators by Industry →Invoice generators tailored field-by-field to your specific trade or profession.E-Signature →Sign documents electronically or collect signatures from clients online.
Payroll & Tax Calculators
VAT Calculator →Calculate the correct sales/VAT/GST tax to charge on an invoice.Salary Calculator →Calculate gross-to-net salary, tax, and deductions for an employee.Payslip Generator →Generate compliant, itemised payslips for employees each pay period.Hourly Pay Calculator →Calculate hourly take-home pay, overtime, and the total employer cost.Income Tax Calculator →Estimate personal income tax owed based on income and allowances.Corporation Tax Calculator →Calculate corporation/company tax owed on business profits.Two Jobs Tax Calculator (Malta Part-Time 10% Flat Rate) →See how Malta's final 10% flat tax rate on registered part-time work compares to paying ordinary progressive tax on a second job, using your own full-time and part-time income figures.Pro-Rata Salary Calculator →Calculate your pro-rata annual, monthly and weekly salary based on the ratio of your actual hours to full-time hours in Malta (EUR).Bradford Factor Calculator →Calculate an absence score from absence spells and total days absent.Annual Leave Calculator →Calculate Maltese statutory annual leave of 192 hours (24 working days) under S.L. 452.87, Regulation 8.Sickness Benefit Calculator →Calculate the employer-paid first 3 days and the flat-rate Social Security Sickness Benefit in Malta.Maternity Leave Calculator →Calculate Malta's maternity pay: 14 weeks of employer-paid salary followed by 4 weeks of the flat-rate government Maternity Leave Benefit.Fringe Benefit Car Calculator →Calculate the fringe benefit value of a company car in Malta: car use, maintenance and fuel elements, multiplied by a private-use percentage.Check an EU VAT Number (VIES) →Verify an EU VAT registration number via the official VIES system.
Project & Time Tracking
Project Cost Calculator →Estimate total project cost from labour, materials, and overheads.Revenue Forecaster →Forecast future revenue based on historical growth and trends.Work Hours Calculator →Calculate total hours worked between a start and end time.Time Card Calculator →Total up weekly time card hours for payroll, including overtime.Timesheet Template →Log hours, breaks and overtime with automatic totals — no sign-up.
Business Calculators
Margin Calculator →Work out profit margin, markup, and selling price from cost and margin percentage.Percentage Calculator →Calculate percentages, percentage change, and percentage of a total instantly.Loan Calculator →Estimate monthly repayments, total interest, and amortisation for any loan.Investment Calculator →Project mutual fund and investment growth with compounding returns over time.Mortgage Calculator →Calculate mortgage repayments, interest, and amortisation schedules.Home Loan Amortisation Calculator (Malta) →See your full amortisation schedule, compare repayment methods, and model extra payments.Date Calculator →Add, subtract, or find the difference between dates in days, weeks, or months.Timber Calculator →Calculate timber volume, cut lists, log scaling, and firewood conversions.
Converters & Lookup Tools
Currency Converter →Convert between world currencies using live exchange rates.Unit Converter →Convert length, weight, volume, area, temperature, and more between units.Timezone Converter →Compare times across timezones and find overlapping working hours.Commodity Code Finder →Look up the correct tariff/commodity code for customs and import declarations.SWIFT Code / IBAN →Look up bank routing, sort, or SWIFT/IBAN codes for domestic and international transfers.
PDF Tools
Edit PDF →Add text, images, and annotations to any PDF directly in your browser.Watermark PDF →Add text or logo watermarks to PDF files in your browser, with no upload.Merge PDF →Combine multiple PDF files into a single document in seconds.Split PDF →Extract specific pages or split a PDF into multiple separate files.Compress PDF →Reduce PDF file size for easier sharing and emailing without losing quality.PDF to Word →Convert a PDF into an editable Word (.docx) document.PDF to Excel →Extract tables and data from a PDF into an editable Excel spreadsheet.Word to PDF →Convert a Word document into a shareable, print-ready PDF.JPG to PDF →Combine one or more JPG images into a single PDF file.PDF to JPG →Convert each page of a PDF into a high-quality JPG image.
Generators & Design Tools
QR Code Generator →Create a free QR code for a URL, Wi-Fi network, contact card, or plain text.Barcode Generator →Create free EAN, UPC, Code 128, GS1-128, QR, DataMatrix and print-ready barcode labels.Logo Maker →Design a professional logo for your business in minutes, no design skills needed.Logo templates for Maltese businesses →Logo templates for Malta — hospitality, diving centres, guest houses, trades and professional services. Free SVG and PNG download, no account needed.Letterhead Templates for Malta →Create a professional letterhead for your Maltese company for free. No sign-up, no watermark — edit in your browser and export as PDF or Word instantly, sized for A4.Menu Maker →Design a menu free with room for the 14 allergen numbers.Menu Templates →Editable menu templates with allergen numbering — fill in and print.Business Card Maker →Create and download print-ready business cards with your branding.Business Name Generator →Generate unique, available business name ideas for your new venture.SKU Generator →Generate consistent, structured SKU codes for your product inventory.Random Number Generator →Generate random numbers within a custom range for draws, samples, or testing.Password Generator →Create strong, random passwords with customisable length and character sets.Word Counter →Count words, characters, sentences, and estimated reading time instantly.Online whiteboard →Use a free online whiteboard for drawing, lessons, remote meetings, planning and quick exports in your browser.Remove Image Background →Automatically remove the background from any photo or product image.Resize Image →Resize, compress and convert images in your browser — set exact pixels or a target size in KB, with no upload.Colour Picker →Pick any colour from an image and get instant HEX, RGB, HSL, HSV and CMYK codes.Email Signature Generator →Create a professional HTML email signature and copy it straight into Gmail or Outlook.QR Code Scanner →Scan a QR code from your camera, screenshot, or image.
Finance & Reporting
Conversions & geometry
Square Footage Calculator →Free square footage calculator for Maltese rooms, apartments, and property listings. Enter length and width to get square footage instantly for flooring, paint, or listings.Square Metre Calculator →Free square metre calculator for Maltese apartments and rooms — square, rectangular, circular, or polygon. Get an instant m² figure for flooring, tiling, or paint quotes.Square Yards Calculator →Convert square metres to square yards for comparing imported carpet or turf pricing in Malta. Enter your room size for an instant square-yard conversion.Wall Square Metre Calculator →Calculate wall square metres for paint, wallpaper, or plasterboard in Malta — enter room dimensions and door/window openings for an accurate cost estimate.Cubic Yard Calculator →Convert cubic yards to cubic metres for gravel, mulch, topsoil, or concrete in Malta. Choose your shape and enter dimensions for an instant volume conversion.Square Feet to Cubic Yards Calculator →Convert square feet to cubic yards (and m² to m³) for concrete slabs, mulch, or gravel in Malta. Enter area and depth to get the volume you need.Gallons Per Square Foot Calculator →Work out pool, tank, or raised-bed fill volume in litres for a Maltese property. Enter area (or length x width) and depth for an instant fill volume and cost estimate.Elevation Grade Calculator →Free elevation grade calculator: enter rise and run to get slope grade percentage, ratio, and angle of elevation — for driveways, drainage, ramps, and site grading in Malta.Ramp Slope Calculator →Ramp slope and gradient calculator for wheelchair and accessibility ramps in Malta. Enter rise and choose a slope ratio to get the required run and ramp length.Mitre Angle Calculator →Mitre angle calculator for trim, coving, and framing corners in Malta. Enter the joint angle and board widths to get the exact mitre saw cut angle.Angle Cut Calculator →Angle cut calculator for knee braces and diagonal supports in Malta. Enter plank thickness and the two leg distances to get the cutting angle and plank length.Angle of Depression Calculator →Angle of depression calculator: enter vertical drop and horizontal distance to find the angle below horizontal for a line of sight in Malta.Taper Calculator →Taper calculator for machining and woodworking in Malta: enter major diameter, minor diameter, and taper length to get the taper angle and taper ratio.Rolling Offset Calculator →Rolling offset calculator for pipefitters in Malta: enter roll, set, and fitting angle to get the true offset, travel (cut length), and run around obstructions.
Concrete & masonry
Concrete Slab Calculator →Concrete slab calculator for Malta: enter length, width and thickness in metres to get volume in m³, bag count or ready-mix order size and a real cost estimate.Concrete Column Calculator →Malta concrete column calculator: work out concrete volume for round or square columns from diameter/side and height, with bag count and material cost.Concrete Cylinder Calculator →Malta concrete cylinder calculator: for pours or standard EN 12390 test cylinders — enter diameter and height for volume in m³/litres, bags and material cost.Concrete Block Calculator →Malta concrete block calculator: work out how many 400x200mm precast blocks (Ballut Blocks-style, in 4.5"/6"/7"/9" thicknesses) you need, with a real cost estimate.Concrete Block Fill Calculator →Malta core-fill calculator: work out grout volume for hollow precast concrete block cores (400x200mm face). Note: most Maltese walls are solid precast block or limestone, not hollow-core CMU — this tool targets the minority of hollow-block reinforced work.Cement Calculator →Malta cement calculator: enter your wet (placed) volume in m³ and mix ratio to get cement, sand and aggregate quantities, 25kg bag count and material cost.Concrete Column Formwork Calculator →Malta concrete column formwork calculator: pick a tube diameter and enter height to get concrete volume, bags and material cost for piers and footings.Rebar Calculator →Malta rebar calculator: enter slab size and bar spacing (EN 10080 ø8-ø20, grade B500B/C) to get bar count, total weight in kg and material cost.Block Calculator →Malta walling calculator: Malta's dominant walling material is precast concrete/limestone block, not fired clay brick — work out how many 400x200mm Ballut Blocks-style blocks you need, plus mortar and real cost.Retaining Wall Calculator →Malta retaining wall calculator: work out how many precast or limestone (kantun) wall blocks you need plus gravel backfill volume and cost.Wall Volume & Cost Calculator →Malta wall volume and cost calculator: enter wall length, height and thickness for a poured wall, or precast block/limestone size for a masonry wall, to get cost.
Aggregates & earthworks
Gravel (Crushed Limestone Aggregate) Calculator →Malta has no natural gravel deposits, so "gravel" here means crushed local limestone aggregate. Work out volume, weight in tonnes and cost by area and depth.Sand Calculator →Calculate how much sand ("ramel") you need for mortar, concrete or bedding in Malta. Get volume, weight in tonnes and an instant cost estimate.Crushed Stone (Crushed Limestone) Calculator →In Malta, crushed stone means crushed local limestone (no natural gravel deposits). Work out volume, weight in tonnes and cost for your sub-base.River Rock (Decorative Limestone Chip) Calculator →Malta has no natural river-rock deposits — decorative stone here is crushed local limestone chip. Get volume, weight and cost for your garden area.Limestone Calculator →Malta’s construction industry is built on local limestone — franka (soft), qawwi (hard) and crushed aggregate. Get volume, weight in tonnes and cost.Asphalt Calculator →Calculate how much asphalt you need for a driveway or path in Malta, accounting for compaction. Get tonnage and an instant cost estimate.Jointing Sand Calculator →Calculate how much bedding sand and jointing sand you need for block paving in Malta. Get volume, weight and cost.French Drain Calculator →Plan a French drain from trench dimensions: crushed limestone backfill volume, pipe run length and filter fabric area, plus total cost.
Weights
Steel Weight Calculator →Calculate the weight of round bar, rebar, tube or rectangular steel stock from its dimensions and grade. Instant weight in kg and cost estimate.Steel Plate Weight Calculator →Calculate the weight of a rectangular, circular or ring steel plate from its dimensions and grade. Instant weight in kg and cost estimate.Aluminium Weight Calculator →Calculate the weight of aluminium sheet, plate, round bar or tube by alloy. Instant weight in kg and cost estimate.Metal Weight Calculator →Calculate the weight of bar, tube, plate or box stock in steel, aluminium, brass, copper and more. Instant weight in kg and cost estimate.Glass Weight Calculator →Calculate the weight of a glass sheet, panel or rod by shape, thickness and glass type. Instant weight in kg and cost estimate.Pipe Weight Calculator →Calculate pipe or tube weight from outer diameter, wall thickness (or bore) and length. Instant weight in kg and cost estimate.Timber Weight Calculator →Calculate the weight of imported dimensional timber (redwood, pine, Douglas fir and more) from length, width, thickness and species, adjusted for moisture.Log Weight Calculator →Calculate the weight of a tapered round log from its diameters, length and species, adjusted for green, air-dried or kiln-dried moisture.Concrete Weight Calculator →Calculate the weight of a concrete pour from its volume or dimensions, by concrete type. Instant weight in kg/tonnes and cost estimate.Size to Weight Calculator (Rectangular Cuboid) →Calculate the weight of any rectangular box or cuboid from its length, width and height, using a built-in materials density table or your own value.
Carpentry & framing
Timber Stud Calculator →Calculate the number of timber studs, plates, and corner studs for a stud partition wall. EU metric nominal 100x50mm imported timber, 400mm/600mm centres.Rafter Length Calculator →Calculate rafter length from rise, run, and overhang, plus rafter count for your roof.Roof Truss Calculator →Calculate rafter/top-chord length and truss count for your roof, with material and installation cost.Stair Calculator →Calculate step count, riser height, tread depth, and stringer length for your staircase.Spiral Staircase Calculator →Calculate step count, tread angle, handrail length, and headroom clearance for a spiral staircase.Spindle Spacing Calculator →Calculate spindle (baluster) count and spacing for a deck or stair railing, checked against a 100mm maximum gap convention.Wood Beam Span Calculator →Check a timber beam span against deflection, bending, and shear limits per Eurocode 5 (EN 1995), Malta’s applicable structural timber design code.Floor Joist Calculator →Calculate floor joist count and cost, or find the maximum allowable span, per Eurocode 5 (EN 1995), Malta’s applicable structural timber design code.Plywood Calculator →Calculate how many plywood sheets you need, using the standard 2440x1220mm metric sheet size.Roof Pitch Calculator →Convert roof rise and run into pitch as a percent grade, degrees, or ratio, plus rafter length.
Structural
Beam Deflection Calculator →Calculate maximum beam deflection for simply-supported or cantilever beams, with a deflection-limit pass/fail check.Beam Load Calculator →Calculate support reactions, shear force, and bending moment for a simply-supported beam carrying multiple point loads.Bending Stress Calculator →Calculate bending stress or applied moment using the flexure formula for common cross-sections, with a utilization-ratio check.Snow Load Calculator →Calculate roof snow load per Eurocode 1 (EN 1991-1-3). Malta’s Mediterranean climate gives a near-zero ground snow load in practice, with wind and seismic actions governing structural design instead.
HVAC, energy & flow
CFM Calculator →Work out the ventilation airflow you need in CFM or m³/h for any room, based on recommended air changes per hour.Air Changes Per Hour Calculator →Work out the ACH a room is actually getting from its size and measured airflow, and check it against the recommended target.Heat Loss Calculator →Calculate a room’s fabric heat loss in watts to size a heater or radiator correctly, using U-values per EN 1991/local Building and Construction Authority practice.Air Con Size (BTU) Calculator →Find the right air con size in BTU/hr and kW for your room from its floor area, sunlight, ceiling height and occupancy.Insulation Calculator →Calculate the total R-value and U-value (W/m²K) of a multi-layer wall, roof or floor insulation build-up.Gallons Per Minute (GPM) Calculator →Convert flow rate between gallons per minute and litres per minute, or solve for volume or time from a known flow rate.Pipe Volume Calculator →Calculate the internal fluid volume and liquid mass of a straight pipe from its inner diameter, length and liquid density.Tank Volume Calculator →Calculate the total and partial-fill capacity of a vertical cylinder, horizontal cylinder, rectangular or capsule-shaped tank, in litres.
Surfaces & finishes
Flooring Calculator →Calculate how much flooring you need for a room in m², with material-specific waste allowance and total cost.Tile Calculator →Calculate how many tiles and boxes you need for a floor or wall, including grout gap, layout pattern and waste allowance.Grout Calculator →Calculate how many bags of grout you need for a tiled area from tile size, joint width and depth, and grout type.Tile Adhesive Calculator →Calculate how many bags of tile adhesive you need for a tiling job, with thickness looked up by tile size.Plasterboard Calculator →Calculate how many plasterboard sheets you need for a room from wall/ceiling area, door and window openings, sheet size and waste allowance.Wallpaper Calculator →Calculate how many rolls of wallpaper you need for a room, using the standard EU roll size (0.53 x 10.05 m) and pattern repeat.Paint Calculator →Calculate how many litres of paint you need for a room from wall area, number of coats and coverage rate.Epoxy Calculator →Calculate how much epoxy resin and hardener you need for a rectangular or circular surface, at any mix ratio and coating thickness.Sealant Calculator →Calculate how many tubes or cartridges of sealant you need for a joint or gap from its length, width and depth.Roofing Calculator →Calculate your roof’s sloped surface area from its footprint and pitch, then estimate material and cost for membrane, tile or metal roofing (most Maltese roofs are flat concrete slabs with a waterproof membrane).Roof Shingle Calculator →Calculate how many bundles of asphalt shingles you need for a roof (an imported roofing style rarely used in Malta, where flat concrete roofs dominate).
Outdoor & fencing
Fence Calculator →Work out how many fence posts, rails, pickets and concrete for footings you need for your Malta fence, plus total material cost in EUR.Fence Picket Calculator →Calculate exactly how many fence pickets you need from picket width and gap spacing, plus material cost in EUR.Board on Board Fence Calculator →Calculate posts, rails and overlapping boards for a board-on-board (featheredge-style) privacy fence, plus material cost in EUR.Decking Calculator →Calculate how many decking boards and fasteners you need for your deck, plus material cost in EUR.Block Paving Calculator →Calculate how many paving blocks you need for a driveway or patio from area and block size, including waste allowance and installed cost in EUR.Pool Volume Calculator →Calculate your swimming pool volume in litres or cubic metres and an estimated water-fill cost in EUR.Round Pen Calculator →Work out how many fence panels you need for a round pen from its diameter and panel length, plus cost in EUR.
Mechanical & electrical
Thread Calculator →Calculate metric screw thread geometry — pitch diameter, minor diameter and ISO 965 tolerances — from major diameter and pitch.Thread Pitch Calculator →Work out metric thread pitch from a measured length and thread count, and match it to the nearest standard ISO metric size.Bolt Torque Calculator →Calculate bolt tightening torque from clamping force using K-factor, diameter and lubrication factor, with an ISO 898-1 torque table.Welding Calculator →Calculate fillet or butt weld load capacity from leg size, length and base-metal strength, with a typical callout cost in EUR.Box Fill Calculator →Check an electrical enclosure against its rated fill capacity from conductor count, gauge, devices and grounds — IEC/CENELEC 60670 framing for Malta.
Contractor status & IR35-style calculators
Employee Net Income Calculator →See exact take-home pay if engaged as an employee instead of self-occupied: 2026 income tax bands, Class 1 SSC (10% employee + 10% employer, €29,084 ceiling) side by side with self-employment.Self-Employed (Self-Occupied) Tax Calculator →Work out self-occupied net income: 2026 progressive income tax, 15% Class 2 Social Security (capped at €29,083/year) and the 10% part-time flat-rate option, with provisional-tax instalments explained.Employee vs Self-Employed Comparison Calculator →One side-by-side comparison of net income, Class 1 vs Class 2 Social Security, and admin burden as an employee versus self-occupied on the same income.
Contract vs. permanent comparisons
Salary to Day Rate Calculator →Convert an annual salary into an equivalent contracting day rate using Malta's actual public-holiday count and standard working-day calendar, with a Class 2 SSC view.Day Rate to Salary Calculator →Reverse-convert a contractor day rate into an equivalent gross and net annual salary, using Malta's working-day calendar and a Class 1 vs Class 2 toggle.Contract Comparison Calculator →Enter two day-rate or duration contracts and see net income, Class 2 SSC and provisional tax compared side by side in one table.Salary Comparison Calculator →Compare two permanent salary offers with a built-in net-income delta and effective-tax-rate difference, instead of running the calculator twice.
Contractor payroll & dividend tax
Social Security Contributions Calculator →Interactive Class 1 (employee/employer 10%/10%) vs Class 2 (self-occupied 15%) Social Security calculator with 2026 weekly bands auto-applied from your income.Dividend Tax Calculator (Imputation Refund) →Enter a gross dividend, company tax already paid and your refund category to see the actual net refund or liability under Malta's full imputation system — the 6/7, 5/7 and 2/3 refund fractions modelled precisely.
Small business & VAT
Salary vs Dividend Calculator (6/7 Refund) →Compare director salary against a 6/7-refunded dividend at any profit level, including personal income tax, Class 1 SSC on salary, and the true ~5% effective corporate rate.VAT Calculator →Add or remove Malta's 18% standard VAT (or the 12%/7%/5%/0% reduced rates) on any amount, and check the €35,000/€30,000 registration thresholds.
Contractor financial planning
Self-Employed Home Loan Affordability Calculator →Estimate borrowing power from self-occupied net-profit income the way Maltese banks actually underwrite it — multi-year averaging, not a single payslip.Home Loan Calculator →A neutral home-loan repayment calculator with a full amortisation schedule, not tied to any single Maltese bank's product terms or rate.Personal Pension Tax Credit Calculator →Enter your annual PRS pension contribution and see the 25% tax credit (capped at €750 on €3,000) and net cost of saving, neutral of any insurer's product.Life Insurance Needs Calculator →A neutral income-replacement needs calculator independent of any insurer, factoring in mortgage debt, dependents and the thinner state Survivors Pension record self-employed workers often have.Contractor Financial Profile Calculator →One dashboard combining net self-employed income, Class 2 SSC, savings rate and target day-rate — no Malta site currently combines these into a single profile.Employee Financial Profile Calculator →Extend a plain take-home-pay result into a full financial profile: savings rate, pension contribution room, and effective tax rate in one view.
Target income & budget impact
Target Day Rate Calculator →Reverse-solve from your desired net income to the day rate you need to charge after Class 2 SSC and 2026 income tax.Target Salary Calculator →Reverse-solve from your desired take-home pay to the gross salary you need, including Class 1 SSC and your 2026 tax status.Budget Tax Impact Calculator →Enter your income and see the exact euro difference between last year's and this year's Budget measures — including the new parent/married-with-children bands.Late Payment Interest Calculator →Enter an invoice amount, due date and payment date to compute statutory interest at the current ECB+8pp rate (10.40% p.a. as of H2 2026) plus the €40 fixed compensation.
