{"European Payroll Toolkit":"Għodda Ewropea tal-Pagi","Salary, pension, leave and termination in Greece, Germany, Italy, Spain and the UK":"Salarju, pensjoni, liv u tmiem l-impjieg fil-Greċja, il-Ġermanja, l-Italja, Spanja u r-Renju Unit","Your salary":"Is-salarju tiegħek","Example figures. Replace them with yours.":"Ċifri ta’ eżempju. Ibdilhom b’tiegħek.","Tax year":"Sena tat-taxxa","Salaries / year":"Salarji / sena","I know my":"Naf il-","Gross / mo":"Gross / xahar","Gross / yr":"Gross / sena","Net / mo":"Nett / xahar","Amount (€)":"Ammont (€)","Dependent children":"Tfal dipendenti","Age in tax year":"Età fis-sena tat-taxxa","Bonus / year (gross €)":"Bonus / sena (gross €)","Bonus as % of annual salary":"Bonus bħala % tas-salarju annwali","First insured":"L-ewwel assigurazzjoni","1993 or later":"1993 jew wara","Before 1993":"Qabel l-1993","Sector":"Settur","Private":"Privat","Public":"Pubbliku","More options":"Aktar għażliet","I spend at least 30% of my income by card or e-payment (rule since 2020)":"Nonfoq mill-inqas 30% tad-dħul bil-karta jew b’pagament elettroniku (regola mill-2020)","My e-payment spending (€ / year)":"In-nefqa tiegħi b’pagament elettroniku (€ / sena)","Custom employee EFKA rate (%)":"Rata personalizzata tal-EFKA tal-impjegat (%)","use the year’s rate":"uża r-rata tas-sena","Net per month":"Nett kull xahar","Net per year":"Nett kull sena","Income tax":"Taxxa fuq id-dħul","EFKA":"EFKA","Marginal rate":"Rata marġinali","of each extra €1 gross":"minn kull €1 gross żejjed","Where your gross pay goes":"Fejn imur is-salarju gross tiegħek","you keep":"iżżomm","Net pay":"Paga netta","EFKA (pension & health)":"EFKA (pensjoni u saħħa)","Solidarity levy":"Kontribuzzjoni ta’ solidarjetà","E-spending shortfall tax":"Taxxa fuq nuqqas ta’ nefqa elettronika","Employer EFKA":"EFKA tal-prinċipal","Payslip breakdown":"Dettall tal-payslip","Regular month":"Xahar normali","Christmas bonus":"Bonus tal-Milied","Easter bonus":"Bonus tal-Għid","Holiday allowance":"Allowance tal-liv","One-off bonus":"Bonus ta’ darba","Year total":"Total tas-sena","Payment":"Ħlas","Gross":"Gross","Tax & levies":"Taxxi u imposti","Net":"Nett","How the tax is calculated":"Kif tinħadem it-taxxa","Annual gross":"Gross annwali","Employee EFKA":"EFKA tal-impjegat","Taxable income":"Dħul taxxabbli","Tax from the scale":"Taxxa skont l-iskala","Tax credit":"Kreditu tat-taxxa","Income tax due":"Taxxa dovuta","E-spending shortfall (22%)":"Nuqqas ta’ nefqa elettronika (22%)","Total tax withheld":"Total ta’ taxxa miżmuma","EFKA ceiling {c} / month":"Limitu EFKA {c} / xahar","Your bonus":"Il-bonus tiegħek","Enter a one-off bonus on the left to see how much of it you keep.":"Daħħal bonus ta’ darba fuq ix-xellug biex tara kemm iżżomm minnu.","reaches your account out of {b} gross":"jasal fil-kont tiegħek minn {b} gross","You keep {p} of the bonus. EFKA takes {e} and tax {t}. The bonus is taxed at your top rate, so it is taxed harder than your salary on average.":"Iżżomm {p} tal-bonus. L-EFKA tieħu {e} u t-taxxa {t}. Il-bonus jiġi ntaxxat bl-ogħla rata tiegħek, għalhekk jitħallas aktar taxxa milli fuq is-salarju bħala medja.","Net for the year with bonus: {n} (without: {w})":"Nett għas-sena bil-bonus: {n} (mingħajr: {w})","Total cost to the employer":"Spiża totali għall-prinċipal","Gross pay plus employer EFKA at {r}. You take home {p} of it.":"Paga gross flimkien mal-EFKA tal-prinċipal ta’ {r}. Inti tieħu {p} minnha.","Your salary across 20 years of Greek tax rules":"Is-salarju tiegħek matul 20 sena ta’ regoli tat-taxxa Griegi","Each year from 2006 to 2026 is computed with that year’s tax scale, EFKA rates and solidarity levy. Compare in nominal euros, or adjust for inflation to see purchasing power in euros of {y}.":"Kull sena mill-2006 sal-2026 tinħadem bl-iskala tat-taxxa, ir-rati tal-EFKA u l-kontribuzzjoni ta’ solidarjetà ta’ dik is-sena. Qabbel f’ewro nominali, jew aġġusta għall-inflazzjoni biex tara l-poter tax-xiri f’ewro tal-{y}.","Gross salary in each year":"Salarju gross f’kull sena","Same euros":"L-istess ewro","Same purchasing power":"L-istess poter tax-xiri","My actual salaries":"Is-salarji veri tiegħi","Show amounts in":"Uri l-ammonti f’","Nominal €":"€ nominali","€ of {y} (inflation-adjusted)":"€ tal-{y} (aġġustati għall-inflazzjoni)","Include the bonus":"Inkludi l-bonus","Type your gross monthly salary for each year in the \"Gross / mo\" column of the table below.":"Ikteb is-salarju gross fix-xahar għal kull sena fil-kolonna \"Gross / xahar\" tat-tabella t’isfel.","Annual pay split by year (nominal €)":"Paga annwali maqsuma skont is-sena (€ nominali)","Annual pay split by year (€ of {y})":"Paga annwali maqsuma skont is-sena (€ tal-{y})","Share of gross pay by year":"Sehem tal-paga gross skont is-sena","Highest real net":"L-ogħla nett reali","Lowest real net":"L-inqas nett reali","Prices 2006 → {y}":"Prezzijiet 2006 → {y}","€100 in 2006 buys what {v} buys in {y}":"€100 fl-2006 jixtru dak li jixtru {v} fl-{y}","Real net {y} vs 2006":"Nett reali {y} meta mqabbel mal-2006","per month, € of {y}":"kull xahar, € tal-{y}","Year":"Sena","Tax":"Taxxa","Solidarity":"Solidarjetà","Net / yr":"Nett / sena","Kept":"Miżmum","Real net / mo (€ {y})":"Nett reali / xahar (€ {y})","Assumptions and data":"Suppożizzjonijiet u data","These rates drive every calculation: standard EFKA (formerly IKA) rates for a private-sector employee without a special fund or heavy-and-unhealthy status, the monthly contribution ceiling, and annual CPI inflation (ELSTAT). Edit any cell to match your case. Edits are saved in this browser only.":"Dawn ir-rati jmexxu kull kalkolu: rati normali tal-EFKA (qabel IKA) għal impjegat fis-settur privat mingħajr fond speċjali jew xogħol tqil u mhux tajjeb għas-saħħa, il-limitu tal-kontribuzzjoni fix-xahar, u l-inflazzjoni annwali tas-CPI (ELSTAT). Editja kwalunkwe ċellola għall-każ tiegħek. It-tibdil jinħażen f’dan il-browser biss.","Inflation %":"Inflazzjoni %","Employee EFKA %":"EFKA impjegat %","Employer EFKA %":"EFKA prinċipal %","Ceiling € / mo":"Limitu € / xahar","Ceiling pre-1993":"Limitu qabel l-1993","Tax system":"Sistema tat-taxxa","Reset to defaults":"Erġa’ lura għall-valuri oriġinali","est.":"stima","Tax rules by period":"Regoli tat-taxxa skont il-perjodu","{n} payments a year · {g} gross / month":"{n} ħlasijiet fis-sena · {g} gross / xahar","Net per month · {y}":"Nett kull xahar · {y}","{p} of gross":"{p} tal-gross","Needed gross: {g} / month":"Gross meħtieġ: {g} / xahar","= {g} / month over {n} payments":"= {g} / xahar fuq {n} ħlasijiet","= {g} gross / year":"= {g} gross / sena","Estimates for guidance only. Covers wage income of one employee. Older contribution rates and ceilings are typical values, the 2025–2026 inflation and 2026 ceiling are estimates, and the 2026 scale follows the reform passed in late 2025. Special funds (banks, press, engineers), heavy-and-unhealthy jobs, other income, deductions and allowances are not modelled. Spouses are taxed separately on their own wages; the child credit applies to each. For exact figures, check your payslip or an accountant.":"Stimi għall-gwida biss. Ikopri d-dħul mill-paga ta’ impjegat wieħed. Ir-rati u l-limiti antiki huma valuri tipiċi, l-inflazzjoni tal-2025–2026 u l-limitu tal-2026 huma stimi, u l-iskala tal-2026 issegwi r-riforma mgħoddija fl-aħħar tal-2025. Fondi speċjali (banek, stampa, inġiniera), xogħlijiet tqal, dħul ieħor, tnaqqis u allowances mhumiex inklużi. Il-miżżewġin jiġu ntaxxati separatament fuq il-paga tagħhom; il-kreditu għat-tfal japplika għal kull wieħed. Għal ċifri eżatti, ara l-payslip jew kellem kontabilist.","Tax-free zone + 3 bands":"Żona mingħajr taxxa + 3 faxex","€12k tax-free, 18–45%":"€12k mingħajr taxxa, 18–45%","€5k tax-free, 10–45%, solidarity":"€5k mingħajr taxxa, 10–45%, solidarjetà",", €2,100 credit":", kreditu ta’ €2,100",", solidarity":", solidarjetà","top":"l-ogħla"," / year":" / sena","How to read this section":"Kif taqra din it-taqsima","<b>Same euros, shown nominal.</b> Every year uses the same gross salary of {m} / month, shown exactly as it would have been paid in that year. Gross is identical in every bar, so any change in net comes only from changes in tax and EFKA rules. Inflation is ignored here, so a euro in 2006 and a euro in {y} count the same even though a 2006 euro bought more.":"<b>L-istess ewro, nominali.</b> Kull sena tuża l-istess salarju gross ta’ {m} / xahar, kif kien jitħallas f’dik is-sena. Il-gross huwa l-istess f’kull bar, għalhekk kull tibdil fin-nett ġej biss mir-regoli tat-taxxa u tal-EFKA. L-inflazzjoni hawn ma titqiesx: ewro tal-2006 u ewro tal-{y} jgħoddu l-istess, għalkemm ewro tal-2006 kien jixtri aktar.","<b>Same euros, inflation-adjusted.</b> Every year uses the same nominal salary of {m} / month, then converts it into euros of {y}. Back in 2006 that salary bought what {r} buys today, so the bars get smaller towards {y}: a salary that never rises loses value as prices go up. Use this view to see what a frozen salary costs you.":"<b>L-istess ewro, aġġustati għall-inflazzjoni.</b> Kull sena tuża l-istess salarju nominali ta’ {m} / xahar, mibdul f’ewro tal-{y}. Fl-2006 dak is-salarju kien jixtri dak li jixtru {r} illum, għalhekk il-bars jiċkienu lejn {y}: salarju li qatt ma jogħla jitlef il-valur meta l-prezzijiet jogħlew. Uża din il-veduta biex tara kemm jiswielek salarju ffriżat.","<b>Same purchasing power, shown nominal.</b> The salary is adjusted for inflation so it buys the same in every year: {a} / month in 2006 is equivalent to {m} / month in {y}. Amounts are shown as they would have been paid at the time, so the bars rise mainly because prices rose, not because the worker is better off.":"<b>L-istess poter tax-xiri, nominali.</b> Is-salarju jiġi aġġustat għall-inflazzjoni biex jixtri l-istess kull sena: {a} / xahar fl-2006 huma ekwivalenti għal {m} / xahar fl-{y}. L-ammonti jintwerew kif kienu jitħallsu dak iż-żmien, għalhekk il-bars jogħlew l-aktar għax għolew il-prezzijiet, mhux għax il-ħaddiem sar aħjar.","<b>Same purchasing power, inflation-adjusted.</b> The salary is the same in real terms every year ({m} / month in euros of {y}), so the total height of every bar is the same. Any change in the blue net part is purely the effect of tax and EFKA rules. This is the cleanest view of how the system treated the same worker over time.":"<b>L-istess poter tax-xiri, aġġustat għall-inflazzjoni.</b> Is-salarju huwa l-istess f’termini reali kull sena ({m} / xahar f’ewro tal-{y}), għalhekk kull bar għandu l-istess għoli. Kull tibdil fil-parti blu tan-nett huwa biss l-effett tar-regoli tat-taxxa u tal-EFKA. Din hija l-aktar veduta ċara ta’ kif is-sistema ttrattat l-istess ħaddiem matul iż-żmien.","<b>Your actual salaries, shown nominal.</b> Each year uses the gross you typed in the table, shown as it was paid at the time. Bars mix two effects: your raises and inflation. Switch to inflation-adjusted to separate them.":"<b>Is-salarji veri tiegħek, nominali.</b> Kull sena tuża l-gross li ktibt fit-tabella, kif kien jitħallas. Il-bars jgħaqqdu żewġ effetti: iż-żidiet tiegħek u l-inflazzjoni. Aqleb għal aġġustat għall-inflazzjoni biex tifridhom.","<b>Your actual salaries, inflation-adjusted.</b> Each year uses the gross you typed, converted into euros of {y}. Rising bars mean your take-home pay really bought more; falling bars mean your raises did not keep up with prices or taxes.":"<b>Is-salarji veri tiegħek, aġġustati għall-inflazzjoni.</b> Kull sena tuża l-gross li ktibt, mibdul f’ewro tal-{y}. Bars li jogħlew ifissru li n-nett tiegħek verament xtara aktar; bars li jinżlu jfissru li ż-żidiet ma żammewx mal-prezzijiet jew mat-taxxi.","<b>Left chart:</b> each bar is one year’s total gross pay (including bonuses), split into what you keep (net, blue) and what goes to EFKA, income tax and the solidarity levy.{mw} <b>Right chart:</b> the same split as a percentage of gross. Percentages are not affected by inflation, so this chart only changes with the gross salary choice. <b>Table:</b> the \"Real net / mo\" column is always in euros of {y}, whatever you choose above.":"<b>Grafika tax-xellug:</b> kull bar huwa l-paga gross totali ta’ sena (bil-bonuses), maqsuma f’dak li żżomm (nett, blu) u dak li jmur għall-EFKA, it-taxxa u l-kontribuzzjoni ta’ solidarjetà.{mw} <b>Grafika tal-lemin:</b> l-istess qsim bħala perċentwal tal-gross. Il-perċentwali ma jiddependux mill-inflazzjoni, għalhekk din il-grafika tinbidel biss mal-għażla tas-salarju gross. <b>Tabella:</b> il-kolonna \"Nett reali / xahar\" hija dejjem f’ewro tal-{y}, ikun x’ikun li tagħżel hawn fuq."," The dashed line is the minimum wage for a full year, on the same basis.":" Il-linja bit-tikek hija l-paga minima għal sena sħiħa, fuq l-istess bażi.","<b>You have not typed any past salaries yet.</b> Until you do, every earlier year uses your {y} salary ({m} / month) moved back with inflation (the grey numbers in the Gross / mo column). That keeps purchasing power the same in every year, so the bars come out almost equal. Type what you really earned in each year to see your own history.":"<b>Għadek ma ktibt l-ebda salarju tal-passat.</b> Sakemm tagħmel dan, kull sena ta’ qabel tuża s-salarju tiegħek tal-{y} ({m} / xahar) imressaq lura bl-inflazzjoni (in-numri griżi fil-kolonna Gross / xahar). Hekk il-poter tax-xiri jibqa’ l-istess kull sena u l-bars joħorġu kważi ndaqs. Ikteb dak li verament qlajt kull sena biex tara l-istorja tiegħek.","<b>{n} years have no salary typed in.</b> Those years use your {y} salary ({m} / month) moved back with inflation (grey numbers in the Gross / mo column), so they show the same purchasing power as {y}. Type your real salary there to replace them.":"<b>{n} snin m’għandhomx salarju miktub.</b> Dawk is-snin jużaw is-salarju tiegħek tal-{y} ({m} / xahar) imressaq lura bl-inflazzjoni (numri griżi fil-kolonna Gross / xahar), għalhekk juru l-istess poter tax-xiri bħal {y}. Ikteb is-salarju veru tiegħek hemm biex tibdilhom.","Estimate: your current salary adjusted for inflation. Type your real salary for this year.":"Stima: is-salarju attwali tiegħek aġġustat għall-inflazzjoni. Ikteb is-salarju veru tiegħek għal din is-sena.","Worked example: the {a} bar next to the {b} bar":"Eżempju: il-bar tal-{a} ħdejn dak tal-{b}","Each bar in the left chart is one full year of pay, stacked from the bottom: net (what reaches your account) first, then EFKA, then income tax and any levies on top. The whole height is the gross. Below, two bars are taken apart: {a} and {b}. One is the base year {y}, the other is the year in which you kept the smallest share of your gross (amounts {basis}).":"Kull bar fil-grafika tax-xellug huwa sena sħiħa ta’ paga, miġbura minn isfel: l-ewwel in-nett (dak li jasal fil-kont tiegħek), imbagħad l-EFKA, imbagħad it-taxxa u imposti oħra fuq. L-għoli kollu huwa l-gross. Hawn taħt, żewġ bars jinfirdu: {a} u {b}. Waħda hija s-sena bażi {y}, l-oħra s-sena li fiha żammejt l-iżgħar sehem tal-gross (ammonti {basis}).","as paid at the time":"kif imħallas dak iż-żmien","in euros of {y}":"f’ewro tal-{y}","Gross (bar height)":"Gross (għoli tal-bar)","points":"punti","How to read it: in {a} the bar is {ga} tall. The bottom part, {na}, is your net ({ka} of the bar); {ea} went to EFKA and {ta} to tax and levies. In {b} the bar is {gb} tall and the net part is {nb} ({kb}). So from {a} to {b} your yearly net changed by {dn} and the share you keep by {dk}. Hover any bar to see the same numbers for that year.":"Kif taqraha: fl-{a} il-bar huwa {ga}. Il-parti t’isfel, {na}, hija n-nett tiegħek ({ka} tal-bar); {ea} marru għall-EFKA u {ta} għat-taxxa u l-imposti. Fl-{b} il-bar huwa {gb} u l-parti netta hija {nb} ({kb}). Għalhekk mill-{a} għall-{b} in-nett annwali tiegħek inbidel b’{dn} u s-sehem li żżomm b’{dk}. Għaddi l-maws fuq kwalunkwe bar biex tara l-istess numri għal dik is-sena.","Both bars have the same height, so the whole difference in net comes from the rules: tax and levies changed by {dt} a year between {a} and {b}, plus any change in EFKA rates.":"Iż-żewġ bars għandhom l-istess għoli, għalhekk id-differenza kollha fin-nett ġejja mir-regoli: it-taxxi u l-imposti nbidlu b’{dt} fis-sena bejn {a} u {b}, flimkien ma’ kull tibdil fir-rati tal-EFKA.","The bars have different heights because the gross itself differs (raises or inflation, depending on your choices above). Compare the percentages rather than the euros to see the effect of the rules alone: tax and levies changed by {dt} a year.":"Il-bars għandhom għoli differenti għax il-gross innifsu huwa differenti (żidiet jew inflazzjoni, skont l-għażliet hawn fuq). Qabbel il-perċentwali minflok l-ewro biex tara l-effett tar-regoli biss: it-taxxi u l-imposti nbidlu b’{dt} fis-sena.","Gross: ":"Gross:","Salary":"Salarju","Pension":"Pensjoni","Leave":"Liv","Your working life":"Il-ħajja tax-xogħol tiegħek","All amounts are in today’s euros. Pensions are assumed to keep pace with inflation.":"L-ammonti kollha huma f’ewro tal-lum. Il-pensjonijiet huma meqjusa li jżommu mal-inflazzjoni.","Age now":"Età issa","Years insured so far":"Snin ta’ assigurazzjoni s’issa","More years I will work":"Aktar snin li se naħdem","until I retire":"sakemm nirtira","Claim pension":"Itlob il-pensjoni","As early as possible":"Mill-aktar fis possibbli","When it is full":"Meta tkun sħiħa","<b>Your plan:</b> work {n} more years → stop at {stop} ({sy}) with {y} years insured → pension from age {a} ({yr}), {s}.":"<b>Il-pjan tiegħek:</b> aħdem {n} snin oħra → ieqaf fl-età ta’ {stop} ({sy}) b’{y} snin ta’ assigurazzjoni → pensjoni mill-età ta’ {a} ({yr}), {s}."," You wait {w} years with neither salary nor pension.":" Tistenna {w} snin bla salarju u bla pensjoni.","<b>Your plan:</b> with {n} more years you would have {y} years insured, below the 15-year minimum. You need at least {k} more years.":"<b>Il-pjan tiegħek:</b> b’{n} snin oħra jkollok {y} snin ta’ assigurazzjoni, inqas mill-minimu ta’ 15. Għandek bżonn mill-inqas {k} snin oħra.","You are viewing a different cell from your plan.":"Qed tara ċellola differenti mill-pjan tiegħek.","Back to my plan":"Lura għall-pjan tiegħi","Your plan":"Il-pjan tiegħek","Avg gross / mo so far":"Gross medju / xahar s’issa","Gross / mo from now":"Gross / xahar minn issa","Empty = salary from the Salary tab.":"Vojt = salarju mit-tab Salarju.","Raise above inflation %":"Żieda ’l fuq mill-inflazzjoni %","Life expectancy":"Stennija tal-ħajja","Years in Greece after 15":"Snin fil-Greċja wara l-15","Men":"Irġiel","Women":"Nisa","Heavy & unhealthy occupation (ΒΑΕ), most of my years":"Xogħol tqil u mhux tajjeb għas-saħħa (ΒΑΕ), il-biċċa l-kbira tas-snin","Break-even compares pension with":"Il-punt ta’ break-even iqabbel il-pensjoni ma’","My contributions":"Il-kontribuzzjonijiet tiegħi","Mine + employer":"Tiegħi + tal-prinċipal","Notional time to buy (years, max 7)":"Żmien nozzjonali li tixtri (snin, massimu 7)","Military service, child-raising, studies, unemployment. Costs about 20% of your monthly salary for every month bought.":"Servizz militari, trobbija tat-tfal, studji, qgħad. Jiswa madwar 20% tas-salarju fix-xahar għal kull xahar mixtri.","Full national pension (€ / month)":"Pensjoni nazzjonali sħiħa (€ / xahar)","Retire at {a} · {y} years insured · {yr}":"Irtira fl-età ta’ {a} · {y} snin ta’ assigurazzjoni · {yr}","{g} gross · {s} · 12 payments a year":"{g} gross · {s} · 12-il ħlas fis-sena","full pension":"pensjoni sħiħa","reduced by {p}":"imnaqqsa b’{p}","not eligible":"mhux eliġibbli","Replacement rate":"Rata ta’ sostituzzjoni","of your final net salary":"tal-aħħar salarju nett tiegħek","Pension contributions":"Kontribuzzjonijiet għall-pensjoni","yours {m} · employer {e}":"tiegħek {m} · prinċipal {e}","Paid back each year":"Jitħallas lura kull sena","of {b}":"ta’ {b}","Break-even":"Break-even","age {a}, after {n} years of pension":"età {a}, wara {n} snin ta’ pensjoni","your contributions":"il-kontribuzzjonijiet tiegħek","all contributions":"il-kontribuzzjonijiet kollha","Earliest pension":"L-ewwel pensjoni","Earliest full pension":"L-ewwel pensjoni sħiħa","Working until 67":"Naħdem sal-67","Working until 70":"Naħdem sas-70","at {a} ({yr}) with {y} years, net / month":"fl-età ta’ {a} ({yr}) b’{y} snin, nett / xahar","Not eligible":"Mhux eliġibbli","Every scenario: net monthly pension":"Kull xenarju: pensjoni netta fix-xahar","Rows: the age you claim your pension. Columns: your total years of insurance by then. Outlined cells assume you keep working until you retire; cells to their left mean you stopped working earlier. Click a cell to see its details below.":"Ringieli: l-età meta titlob il-pensjoni. Kolonni: is-snin totali ta’ assigurazzjoni sa dak iż-żmien. Iċ-ċelloli b’kontorn jassumu li tibqa’ taħdem sakemm tirtira; iċ-ċelloli fuq ix-xellug tagħhom ifissru li waqaft taħdem qabel. Ikklikkja ċellola biex tara d-dettalji hawn taħt.","Age":"Età","Years insured":"Snin ta’ assigurazzjoni","Full pension":"Pensjoni sħiħa","Reduced (early)":"Imnaqqsa (kmieni)","Working until retirement":"Naħdem sal-irtirar","Selected: details shown below (click any cell to change)":"Magħżula: dettalji hawn taħt (ikklikkja kwalunkwe ċellola biex tibdel)","Pension breakdown":"Tqassim tal-pensjoni","National pension":"Pensjoni nazzjonali","Contributory pension":"Pensjoni kontributorja","Supplementary pension":"Pensjoni supplimentari","Early-retirement cut":"Tnaqqis għall-irtirar kmieni","Gross pension":"Pensjoni gross","Health contribution (6%)":"Kontribuzzjoni għas-saħħa (6%)","Net pension / month":"Pensjoni netta / xahar","Pensionable earnings: {a} / month (career average, incl. bonuses, spread over 12 months). Accrual rate for {y} years: {r}. National pension share: {n}.":"Qligħ pensjonabbli: {a} / xahar (medja tal-karriera, bil-bonuses, mifruxa fuq 12-il xahar). Rata ta’ akkumulazzjoni għal {y} snin: {r}. Sehem tal-pensjoni nazzjonali: {n}.","Contributions and payback":"Kontribuzzjonijiet u ħlas lura","Your pension contributions (6.67% main + 3% suppl.)":"Il-kontribuzzjonijiet tiegħek għall-pensjoni (6.67% prinċipali + 3% supp.)","Employer pension contributions (13.33% + 3%)":"Kontribuzzjonijiet tal-prinċipal għall-pensjoni (13.33% + 3%)","Notional time purchase":"Xiri ta’ żmien nozzjonali","Total paid in":"Total imħallas","Net pension per year":"Pensjoni netta fis-sena","Expected years in retirement (life expectancy)":"Snin mistennija ta’ rtirar (stennija tal-ħajja)","Expected lifetime net pension":"Pensjoni netta mistennija matul il-ħajja","Lifetime pension ÷ {b}":"Pensjoni matul il-ħajja ÷ {b}","You get back {b} ({v}) after {n} years of pension, at age {age} in {yr}. Health contributions (about 7% of pay, shared) are not counted: they pay for healthcare, not pension.":"Tieħu lura {b} ({v}) wara {n} snin ta’ pensjoni, fl-età ta’ {age} fl-{yr}. Il-kontribuzzjonijiet għas-saħħa (madwar 7% tal-paga, maqsuma) ma jgħoddux: iħallsu għall-kura tas-saħħa, mhux għall-pensjoni.","At this level you do not get back {b} within your life expectancy.":"F’dan il-livell ma tiħux lura {b} fi żmien l-istennija tal-ħajja tiegħek.","Gross monthly pension by retirement age (working until then)":"Pensjoni gross fix-xahar skont l-età tal-irtirar (taħdem sa dakinhar)","Cumulative net pension vs contributions":"Pensjoni netta kumulattiva meta mqabbla mal-kontribuzzjonijiet","Pension received":"Pensjoni riċevuta","Your contributions":"Il-kontribuzzjonijiet tiegħek","All contributions":"Il-kontribuzzjonijiet kollha","Pension rules applied":"Regoli tal-pensjoni applikati","Projection under current law (Laws 4336/2015, 4387/2016, 4670/2020) for EFKA private-sector employees. People insured before 1993, mothers of minor children, civil servants and some ΒΑΕ categories may still have transitional rules with earlier ages. Past earnings are taken in today’s euros; the supplementary annuity and life expectancy are simplified. For your official record, use e-ΕΦΚΑ (ατομικός λογαριασμός ασφάλισης, ψηφιακή απονομή).":"Projezzjoni skont il-liġi attwali (Liġijiet 4336/2015, 4387/2016, 4670/2020) għall-impjegati tal-EFKA fis-settur privat. Min kien assigurat qabel l-1993, ommijiet ta’ tfal minorenni, impjegati taċ-ċivil u xi kategoriji ΒΑΕ jista’ jkollhom regoli tranżitorji b’etajiet aktar baxxi. Id-dħul tal-passat jittieħed f’ewro tal-lum; il-pensjoni supplimentari u l-istennija tal-ħajja huma simplifikati. Għar-rekord uffiċjali tiegħek, uża l-e-ΕΦΚΑ (ατομικός λογαριασμός ασφάλισης, ψηφιακή απονομή).","Your job and family":"Ix-xogħol u l-familja tiegħek","Working week":"Ġimgħa tax-xogħol","5 days":"5 ijiem","6 days":"6 ijiem","Years with current employer":"Snin mal-prinċipal attwali","Total years worked (all employers)":"Total ta’ snin maħduma (il-prinċipali kollha)","I am the":"Jien il-","Mother":"Omm","Father":"Missier","Calendar year":"Sena kalendarja","Children":"Tfal","Children’s ages (years)":"Etajiet tat-tfal (snin)","Child {n}":"Tifel/tifla {n}","Expecting a baby":"Nistennew tarbija","Single-parent family":"Familja b’ġenitur wieħed","Child with a disability (67%+)":"Tifel/tifla b’diżabilità (67%+)","Gross monthly salary (€)":"Salarju gross fix-xahar (€)","Annual leave · {y}":"Liv annwali · {y}","working days":"jiem tax-xogħol","{w}-day week · {e} years with employer · {t} years total":"ġimgħa ta’ {w} ijiem · {e} snin mal-prinċipal · {t} snin b’kollox","First year: {r} days per month worked ({m} months so far)":"L-ewwel sena: {r} jiem kull xahar maħdum ({m} xhur s’issa)","Weekday public holidays":"Btajjel pubbliċi f’jiem tax-xogħol","{m} mandatory, {c} customary":"{m} obbligatorji, {c} tad-drawwa","Paid days off":"Jiem liberi mħallsa","leave + holidays + family days":"liv + btajjel + jiem tal-familja","Value of your leave":"Valur tal-liv tiegħek","+ leave allowance {a}":"+ allowance tal-liv {a}","Next increase":"Iż-żieda li jmiss","to {d} days, in {n}":"għal {d} jiem, fi {n}","Top of scale":"L-ogħla tal-iskala","you have the maximum":"għandek il-massimu","{n} yr":"{n} sena","Annual leave scale (Law 4504/1966, 3302/2004)":"Skala tal-liv annwali (Liġi 4504/1966, 3302/2004)","Service":"Servizz","5-day":"5 ijiem","6-day":"6 ijiem","1st year with employer":"L-ewwel sena mal-prinċipal","2nd year":"It-tieni sena","3rd year onwards":"mit-tielet sena ’l quddiem","10 years with employer or 12 years in total":"10 snin mal-prinċipal jew 12-il sena b’kollox","25 years in total":"25 sena b’kollox","pro rata":"pro rata","Leave is counted in working days. At least 12 working days (10 on a 5-day week) must be taken in one block, and leave cannot be replaced by money while you are employed. Unused leave is paid out only when the job ends.":"Il-liv jingħadd f’jiem tax-xogħol. Mill-inqas 12-il jum tax-xogħol (10 f’ġimgħa ta’ 5 ijiem) iridu jittieħdu flimkien, u l-liv ma jistax jinbidel fi flus waqt li tkun impjegat. Liv mhux meħud jitħallas biss meta jispiċċa l-impjieg.","Public holidays {y}":"Btajjel pubbliċi {y}","Take {d} off → {n} days in a row":"Ħu {d} → {n} jiem wara xulxin","weekend":"weekend","mandatory":"obbligatorja","customary":"tad-drawwa","Leave around a birth":"Liv madwar it-twelid","Months before and after the birth. Childcare leave (reduced hours) can instead be taken as one continuous block if the employer agrees. Parental leave can be used any time until the child turns 8.":"Xhur qabel u wara t-twelid. Il-liv għall-kura tat-tfal (sigħat imnaqqsa) jista’ jittieħed f’blokk wieħed jekk il-prinċipal jaqbel. Il-liv tal-ġenituri jista’ jintuża kull meta sakemm it-tifel jagħlaq 8 snin.","Family and special leave":"Liv tal-familja u speċjali","Entitlement":"Dritt","Pay":"Ħlas","For you now":"Għalik issa","Applies":"Japplika","Not now":"Mhux issa","Based on Greek labour law for private-sector employees: Law 4504/1966 and 3302/2004 (annual leave), Law 4808/2021 (maternity, paternity, parental, carer and family leave) and the National General Collective Labour Agreement (ΕΓΣΣΕ). Sector or company agreements may give more. Public-sector staff follow different rules. Check with your employer or ΣΕΠΕ (Labour Inspectorate) for your case.":"Ibbażat fuq il-liġi Griega tax-xogħol għall-impjegati privati: Liġi 4504/1966 u 3302/2004 (liv annwali), Liġi 4808/2021 (maternità, paternità, ġenituri, carers u familja) u l-Ftehim Kollettiv Nazzjonali Ġenerali (ΕΓΣΣΕ). Ftehimiet tas-settur jew tal-kumpanija jistgħu jagħtu aktar. Is-settur pubbliku jsegwi regoli oħra. Iċċekkja mal-prinċipal jew mas-ΣΕΠΕ (Spettorat tax-Xogħol).","15 years minimum":"minimu ta’ 15-il sena","Full pension: 67, or 62 with 40 years":"Pensjoni sħiħa: 67, jew 62 b’40 sena","Early pension from 62":"Pensjoni kmieni mill-62","Heavy & unhealthy (ΒΑΕ)":"Xogħol tqil (ΒΑΕ)","Deductions on pensions":"Tnaqqis fuq il-pensjonijiet","included":"inkluż","years":"snin","Retirement age":"Età tal-irtirar","Life expectancy ":"Stennija tal-ħajja","Age (dashed line: life expectancy)":"Età (linja bit-tikek: stennija tal-ħajja)","New Year’s Day":"Jum l-Ewwel tas-Sena","Epiphany":"Epifanija","Clean Monday":"It-Tnejn Nadif","Independence Day":"Jum l-Indipendenza","Good Friday":"Il-Ġimgħa l-Kbira","Easter Monday":"It-Tnejn tal-Għid","Labour Day":"Jum il-Ħaddiem","Whit Monday":"It-Tnejn tal-Għansara","Assumption of Mary":"Santa Marija","Ochi Day":"Jum l-Ochi","Christmas Day":"Jum il-Milied","Synaxis of the Theotokos":"Sinassi tal-Omm ta’ Alla","Annual leave":"Liv annwali","Employer":"Prinċipal","Maternity leave":"Liv tal-maternità","17 weeks: 8 before and 9 after birth":"17-il ġimgħa: 8 qabel u 9 wara t-twelid","EFKA + employer top-up":"EFKA + żieda mill-prinċipal","Special maternity protection":"Protezzjoni speċjali tal-maternità","9 months after maternity leave":"9 xhur wara l-liv tal-maternità","ΔΥΠΑ, at minimum-wage level":"ΔΥΠΑ, fil-livell tal-paga minima","Paternity leave":"Liv tal-paternità","14 working days around the birth":"14-il jum tax-xogħol madwar it-twelid","Employer (full pay)":"Prinċipal (paga sħiħa)","Childcare leave (reduced hours)":"Liv għall-kura tat-tfal (sigħat imnaqqsa)","1 hour less per day for 30 months (or 2 h for 12 + 1 h for 6), or an equal block":"Siegħa inqas kuljum għal 30 xahar (jew 2 sigħat għal 12 + siegħa għal 6), jew blokk ekwivalenti","Parental leave":"Liv tal-ġenituri","Up to 4 months per parent, per child, until age 8 (first 2 months paid)":"Sa 4 xhur kull ġenitur, kull tifel, sal-età ta’ 8 (l-ewwel 2 imħallsa)","Needs 1 year with your employer":"Jeħtieġ sena mal-prinċipal","School visits":"Żjarat fl-iskola","Child sickness leave":"Liv għal tifel marid","Single-parent extra leave":"Liv żejjed għal ġenitur waħdu","6 days a year (8 with 3+ children), children up to 12":"6 ijiem fis-sena (8 bi 3+ tfal), tfal sa 12-il sena","Parent of a child with disability":"Ġenitur ta’ tifel b’diżabilità","Right to 1 hour less work per day":"Dritt għal siegħa xogħol inqas kuljum","Pay reduced accordingly":"Paga mnaqqsa kif xieraq","IVF / assisted reproduction":"IVF / riproduzzjoni assistita","7 working days a year":"7 ijiem tax-xogħol fis-sena","Prenatal check-ups":"Kontrolli qabel it-twelid","Time off as needed for exams":"Ħin liberu kif meħtieġ għall-eżamijiet","Carer leave":"Liv tal-carers","5 working days a year for a relative needing care":"5 ijiem tax-xogħol fis-sena għal qarib li jeħtieġ kura","Marriage / civil partnership":"Żwieġ / unjoni ċivili","Bereavement":"Mewt fil-familja","2 working days (close relative)":"2 jiem tax-xogħol (qarib qrib)","Sick leave":"Liv tal-mard","No fixed limit; first 3 days at 50% pay, then EFKA sickness benefit plus employer top-up":"L-ebda limitu fiss; l-ewwel 3 ijiem b’50% tal-paga, imbagħad benefiċċju tal-mard tal-EFKA flimkien ma’ żieda mill-prinċipal","Employer + EFKA":"Prinċipal + EFKA","Paid":"Imħallas","Benefit":"Benefiċċju","Unpaid":"Mhux imħallas","months":"xhur","Maternity 17 wks":"Maternità 17-il ġimgħa","Special protection 9 months":"Protezzjoni speċjali 9 xhur","Childcare: 1 hour less a day, 30 months":"Kura tat-tfal: siegħa inqas kuljum, 30 xahar","Parental leave 4 months, any time until age 8":"Liv tal-ġenituri 4 xhur, kull meta sal-età ta’ 8","Paternity 14 days":"Paternità 14-il jum","Birth":"Twelid","m":"x","Extra pay":"Paga żejda","Freelance":"Freelance","Job offers":"Offerti ta’ xogħol","Termination":"Tmiem l-impjieg","Scenario name":"Isem ix-xenarju","Save":"Issejvja","Delete":"Ħassar","Saved scenarios…":"Xenarji ssejvjati…","Saved \"{n}\"":"\"{n}\" issejvjat","Loaded \"{n}\"":"\"{n}\" mtella’","Deleted \"{n}\"":"\"{n}\" imħassar","Type a name for the scenario first":"L-ewwel agħti isem lix-xenarju","Pick a saved scenario to delete":"Agħżel xenarju ssejvjat biex tħassru","Copy summary":"Ikkopja s-sommarju","Summary copied to clipboard":"Is-sommarju ġie kkupjat","Copy blocked: the text is selected, press Ctrl+C":"Kopja mblukkata: it-test huwa magħżul, agħfas Ctrl+C","Spouse / partner taxable income (€ / year)":"Dħul taxxabbli tal-konjuġi / sieħeb (€ / sena)","New resident in Greece: art. 5C (income tax on 50% of pay for 7 years)":"Resident ġdid fil-Greċja: art. 5C (taxxa fuq 50% tal-paga għal 7 snin)","Minimum wage (gross / yr)":"Paga minima (gross / sena)","Min. wage / mo":"Paga min. / xahar","Family benefits":"Benefiċċji tal-familja","Personal tips":"Pariri personali","Household (two earners)":"Familja (żewġ qligħ)","Partner gross / month":"Gross tas-sieħeb / xahar","Childcare cost / month":"Spiża taċ-childcare / xahar","Add children in the panel on the left to estimate child benefit (Α21) and the birth allowance.":"Żid it-tfal fil-pannell fuq ix-xellug biex tistma l-benefiċċju tat-tfal (Α21) u l-għotja tat-twelid.","Equivalised family income":"Dħul ekwivalenti tal-familja","Α21 income band":"Faxxa tad-dħul Α21","Child benefit (Α21)":"Benefiċċju tat-tfal (Α21)","Birth allowance for a new baby":"Għotja għal tarbija ġdida","{v} / month · {y} / year":"{v} / xahar · {y} / sena","Not eligible (above €15,000)":"Mhux eliġibbli (aktar minn €15,000)","Not eligible (above €40,000)":"Mhux eliġibbli (aktar minn €40,000)","Α21 is paid to families with equivalised income up to €15,000: total family taxable income divided by 1 for the first parent, ½ for the second and ¼ per child. Amounts per child per month: €70 / €42 / €28 for the 1st and 2nd child and double from the 3rd, by band. Apply on idika.gov.gr (ΟΠΕΚΑ). Estimates.":"L-Α21 jitħallas lil familji b’dħul ekwivalenti sa €15,000: id-dħul taxxabbli totali tal-familja maqsum b’1 għall-ewwel ġenitur, ½ għat-tieni u ¼ għal kull tifel. Ammonti għal kull tifel fix-xahar: €70 / €42 / €28 għall-ewwel u t-tieni tifel u d-doppju mit-tielet, skont il-faxxa. Applika fuq idika.gov.gr (ΟΠΕΚΑ). Stimi.","Pension vs investing it yourself":"Pensjoni jew tinvesti int stess","What if the same contributions went into a private investment instead? Each year’s contribution grows at the real return you choose until the selected retirement age, then pays out over your life expectancy.":"X’jiġri kieku l-istess kontribuzzjonijiet marru f’investiment privat? Il-kontribuzzjoni ta’ kull sena tikber bir-rendiment reali li tagħżel sal-età tal-irtirar magħżula, u mbagħad titħallas matul l-istennija tal-ħajja tiegħek.","Real return per year (%)":"Rendiment reali fis-sena (%)","Invest":"Investi","Capital at retirement":"Kapital fl-irtirar","Private income / month":"Dħul privat / xahar","EFKA pension / month (gross)":"Pensjoni EFKA / xahar (gross)","Difference":"Differenza","in today’s euros at {a}":"f’ewro tal-lum fl-età ta’ {a}","spent down over {n} years, before tax":"jintefaq fuq {n} snin, qabel it-taxxa","for life, with national pension floor":"għal għomrok, b’minimu tal-pensjoni nazzjonali","Investing privately carries market risk and has no lifelong guarantee, no national-pension floor and no disability cover. The EFKA pension also protects your spouse: a survivor’s pension is about 70% of yours ({v} / month).":"L-investiment privat għandu riskju tas-suq u m’għandux garanzija għal għomrok, minimu tal-pensjoni nazzjonali jew kopertura għad-diżabilità. Il-pensjoni EFKA tipproteġi wkoll lill-konjuġi tiegħek: pensjoni tas-superstiti hija madwar 70% ta’ tiegħek ({v} / xahar).","Leave planner":"Pjan tal-liv","Add the periods you plan to take off. Working days are counted automatically, skipping weekends and public holidays. Saved in this browser.":"Żid il-perjodi li tippjana li tieħu. Il-jiem tax-xogħol jingħaddu awtomatikament, mingħajr weekends u btajjel pubbliċi. Issejvjat f’dan il-browser.","Days already taken this year":"Jiem diġà meħuda din is-sena","+ Add period":"+ Żid perjodu","From":"Minn","To":"Sa","Working days":"Jiem tax-xogħol","Remove":"Neħħi","{e} days entitled · {u} taken · {p} planned · {r} left":"{e} jiem ta’ dritt · {u} meħuda · {p} ippjanati · {r} fadal"," You are planning {n} days more than you have.":" Qed tippjana {n} jiem aktar milli għandek."," Includes a block of {b}+ days in a row, as the law requires.":" Jinkludi blokk ta’ {b}+ jiem wara xulxin, kif titlob il-liġi."," The law requires one block of at least {b} working days in a row; none is planned yet.":" Il-liġi titlob blokk ta’ mill-inqas {b} jiem tax-xogħol wara xulxin; għadu mhux ippjanat.","Your extra hours":"Is-sigħat żejda tiegħek","Average hours per month.":"Medja ta’ sigħat fix-xahar.","Extra hours, up to 45 / wk (+20%)":"Sigħat żejda, sa 45 / ġimgħa (+20%)","Overtime above 45 / wk (+40%)":"Overtime ’il fuq minn 45 / ġimgħa (+40%)","Night hours 22:00–06:00 (+25%)":"Sigħat ta’ bil-lejl 22:00–06:00 (+25%)","Sunday / holiday hours (+75%)":"Sigħat tal-Ħadd / btala (+75%)","Night and Sunday hours are hours within your normal schedule that earn a premium; the percentages add up if both apply.":"Is-sigħat ta’ bil-lejl u tal-Ħadd huma sigħat fl-iskeda normali li jagħtu premium; il-perċentwali jingħaddu jekk it-tnejn japplikaw.","Extra net pay per month":"Paga netta żejda fix-xahar","{g} gross extra · hourly rate {h}":"{g} gross żejjed · rata fis-siegħa {h}","Normal hourly rate":"Rata normali fis-siegħa","gross (monthly × 6 ÷ 25 ÷ 40)":"gross (xahar × 6 ÷ 25 ÷ 40)","Extra per year":"Żejjed fis-sena","net · {g} gross":"nett · {g} gross","You keep":"Iżżomm","of each extra euro (marginal)":"minn kull ewro żejjed (marġinali)","Overtime used":"Overtime użat","of the 150-hour yearly limit":"mil-limitu annwali ta’ 150 siegħa","Pay per hour by type":"Paga fis-siegħa skont it-tip","Monthly extra pay: gross vs net":"Paga żejda fix-xahar: gross kontra nett","Type":"Tip","Rate":"Rata","€ / h gross":"€ / siegħa gross","€ / h net":"€ / siegħa nett","Hours":"Sigħat","Month gross":"Xahar gross","Month net":"Xahar nett","Extra hours (υπερεργασία)":"Sigħat żejda (υπερεργασία)","Legal overtime":"Overtime legali","Night premium":"Premium ta’ bil-lejl","Sunday / holiday premium":"Premium tal-Ħadd / btala","Extra hours above {c} a month exceed the weekly limit of {w} hours and legally count as overtime (+40%).":"Sigħat żejda ’l fuq minn {c} fix-xahar jaqbżu l-limitu ta’ {w} siegħa fil-ġimgħa u legalment jgħoddu bħala overtime (+40%).","{h} overtime hours a year exceed the 150-hour annual limit for legal overtime.":"{h} sigħat ta’ overtime fis-sena jaqbżu l-limitu annwali ta’ 150 siegħa.","Rules (Law 4808/2021 and 4093/2012)":"Regoli (Liġi 4808/2021 u 4093/2012)","Employee vs freelancer":"Impjegat jew freelancer","The same budget paid to you as a salary, or invoiced as a freelancer (μπλοκάκι). The employee side uses the Salary tab; the freelancer side uses 2026 rules.":"L-istess baġit imħallas lilek bħala salarju, jew iffatturat bħala freelancer (μπλοκάκι). In-naħa tal-impjegat tuża t-tab Salarju; in-naħa tal-freelancer tuża r-regoli tal-2026.","Freelancer setup":"Setup tal-freelancer","Yearly invoicing (€, before VAT)":"Fatturat annwali (€, qabel il-VAT)","Empty = what the employer pays for you in total today.":"Vojt = dak li l-prinċipal iħallas għalik b’kollox illum.","EFKA class":"Klassi EFKA","Business expenses (%)":"Spejjeż tan-negozju (%)","In my first 3 years of activity (no minimum taxable income)":"Fl-ewwel 3 snin ta’ attività (l-ebda dħul taxxabbli minimu)","Minimum monthly wage used for the imputed income (€)":"Paga minima fix-xahar użata għad-dħul presunt (€)","Class {n}: {v} / month":"Klassi {n}: {v} / xahar","Freelancer minus employee, net per year":"Freelancer nieqes impjegat, nett fis-sena","Freelancer {f} vs employee {e} on a budget of {b}":"Freelancer {f} kontra impjegat {e} fuq baġit ta’ {b}","Employee net / year":"Nett tal-impjegat / sena","Freelancer net / year":"Nett tal-freelancer / sena","{p} of employer cost":"{p} tal-ispiża tal-prinċipal","{p} of invoicing":"{p} tal-fatturat","Invoicing to match":"Fatturat biex taqbel","per year, to equal your employee net":"fis-sena, biex tilħaq in-nett tiegħek bħala impjegat","Day rate to match":"Rata ta’ kuljum biex taqbel","at 220 billable days a year":"b’220 jum iffatturabbli fis-sena","Where the money goes":"Fejn imorru l-flus","Side by side":"Ħdejn xulxin","Employee":"Impjegat","Freelancer":"Freelancer","Budget / invoicing":"Baġit / fatturat","Business expenses":"Spejjeż tan-negozju","EFKA (yours)":"EFKA (tiegħek)","EFKA (employer)":"EFKA (prinċipal)","Net per month (÷12)":"Nett fix-xahar (÷12)","Paid leave, bonuses, severance, unemployment cover":"Liv imħallas, bonuses, kumpens, kopertura tal-qgħad","Yes":"Iva","No":"Le","minimum imputed income applied":"applikat id-dħul presunt minimu","Freelancers pay a fixed EFKA class (2026 amounts estimated), get no tax credit, and since 2024 are taxed on at least an imputed income based on the minimum wage unless in their first 3 years. The 2025 abolition of the business levy (τέλος επιτηδεύματος) is included. 20% withholding on invoices and the tax prepayment affect cash flow, not the final tax. VAT is passed through.":"Il-freelancers iħallsu klassi fissa tal-EFKA (ammonti tal-2026 stmati), ma jieħdu l-ebda kreditu tat-taxxa, u mill-2024 jiġu ntaxxati mill-inqas fuq dħul presunt ibbażat fuq il-paga minima ħlief fl-ewwel 3 snin. It-tneħħija tat-taxxa tan-negozju (τέλος επιτηδεύματος) fl-2025 hija inkluża. Iż-żamma ta’ 20% fuq il-fatturi u l-ħlas bil-quddiem jaffettwaw il-likwidità, mhux it-taxxa finali. Il-VAT tgħaddi.","Compare two job offers":"Qabbel żewġ offerti ta’ xogħol","Net pay plus the benefits that matter in Greece: meal vouchers, group health insurance, other perks, commuting cost and extra leave. Empty gross for Offer A uses your current salary.":"Paga netta flimkien mal-benefiċċji li jgħoddu fil-Greċja: vouchers tal-ikel, assigurazzjoni tas-saħħa tal-grupp, benefiċċji oħra, spiża tal-ivvjaġġar u jiem ta’ liv żejda. Gross vojt għall-Offerta A juża s-salarju attwali tiegħek.","Offer":"Offerta","Name":"Isem","Gross / month":"Gross / xahar","Bonus / year":"Bonus / sena","Meal card / month":"Karta tal-ikel / xahar","Health insurance / year":"Assigurazzjoni tas-saħħa / sena","Other perks / year":"Benefiċċji oħra / sena","Commuting cost / month":"Spiża tal-ivvjaġġar / xahar","Extra leave days":"Jiem ta’ liv żejda","Result":"Riżultat","Net pay / year":"Paga netta / sena","Meal card + insurance + perks":"Karta tal-ikel + assigurazzjoni + benefiċċji","Value of extra leave":"Valur tal-liv żejjed","Commuting":"Ivvjaġġar","Total value / year":"Valur totali / sena","Per month (÷12)":"Fix-xahar (÷12)","{n} is worth {v} more per year ({p}).":"{n} tiswa {v} aktar fis-sena ({p}).","The two offers are worth the same.":"Iż-żewġ offerti jiswew l-istess.","Your job ending":"It-tmiem tax-xogħol tiegħek","How the job ends":"Kif jispiċċa l-impjieg","Dismissal without notice":"Tkeċċija mingħajr avviż","Dismissal with written notice":"Tkeċċija b’avviż bil-miktub","I resign":"Nirriżenja","I leave to retire":"Nitlaq biex nirtira","Hire date":"Data tal-ingaġġ","Last day of work":"L-aħħar jum tax-xogħol","Unused leave days":"Jiem ta’ liv mhux meħuda","Dependants":"Dipendenti","Monthly unemployment benefit, base (€)":"Benefiċċju tal-qgħad fix-xahar, bażi (€)","Net amount on leaving · {d}":"Ammont nett meta titlaq · {d}","{y} years of service · pay basis {b} / month":"{y} snin ta’ servizz · bażi tal-paga {b} / xahar","Severance":"Kumpens","{m} months × {b}, tax-free up to €60k":"{m} xhur × {b}, mingħajr taxxa sa €60k","no severance":"l-ebda kumpens","Notice period":"Perjodu ta’ avviż","written notice by {d}":"avviż bil-miktub sa {d}","not applicable":"ma japplikax","Final pay items":"Ħlasijiet finali","bonuses, leave pay & allowance, net":"bonuses, paga u allowance tal-liv, nett","Unemployment benefit":"Benefiċċju tal-qgħad","{m} / month for {n} months":"{m} / xahar għal {n} xhur","only after a dismissal":"biss wara tkeċċija","What you receive":"Dak li tirċievi","Severance scale (Law 4093/2012)":"Skala tal-kumpens (Liġi 4093/2012)","Item":"Oġġett","Severance ({m} months)":"Kumpens ({m} xhur)","Extra for service before 12/11/2012 ({m} months)":"Żieda għal servizz qabel 12/11/2012 ({m} xhur)","Share paid: {p}":"Sehem imħallas: {p}","Christmas bonus, pro rata":"Bonus tal-Milied, pro rata","Easter bonus, pro rata":"Bonus tal-Għid, pro rata","Unused leave pay ({d} days)":"Paga tal-liv mhux meħud ({d} jiem)","Leave allowance":"Allowance tal-liv","Total":"Total","Without notice":"Mingħajr avviż","Notice":"Avviż","With notice":"B’avviż","{n} mo":"{n} x","{a}–{b} years":"{a}–{b} snin","{a} years":"{a} snin","{a}+ years":"{a}+ snin","Under 1 year (probation)":"Inqas minn sena (prova)","Rules applied":"Regoli applikati","Estimates under Law 4093/2012, Law 4808/2021 and Law 2112/1920 for private-sector employees with an indefinite contract. Fixed-term contracts, collective agreements, abusive or invalid dismissals and special categories are not covered. Unemployment benefit amounts and rules change; check ΔΥΠΑ (dypa.gov.gr). For a dismissal, speak to a labour lawyer or ΣΕΠΕ early: deadlines are short.":"Stimi skont il-Liġi 4093/2012, il-Liġi 4808/2021 u l-Liġi 2112/1920 għall-impjegati privati b’kuntratt indefinit. Kuntratti b’terminu fiss, ftehimiet kollettivi, tkeċċijiet abbużivi jew invalidi u kategoriji speċjali mhumiex koperti. L-ammonti u r-regoli tal-benefiċċju tal-qgħad jinbidlu; iċċekkja mad-ΔΥΠΑ (dypa.gov.gr). F’każ ta’ tkeċċija, kellem avukat tax-xogħol jew is-ΣΕΠΕ kmieni: id-dati ta’ skadenza huma qosra.","Hourly rate":"Rata fis-siegħa","Night, Sunday, holiday":"Lejl, Ħadd, btala","Severance scale":"Skala tal-kumpens","Pay basis":"Bażi tal-paga","With written notice":"B’avviż bil-miktub","Service before 12/11/2012":"Servizz qabel 12/11/2012","Resignation and retirement":"Riżenja u rtirar","Tax and EFKA":"Taxxa u EFKA","Deadlines":"Skadenzi","Unemployment benefit (ΔΥΠΑ)":"Benefiċċju tal-qgħad (ΔΥΠΑ)","Private pension":"Pensjoni privata","Group pension plan":"Pjan tal-pensjoni tal-grupp","Your contribution is deducted from taxable salary (Law 5078/2023), up to 20% of gross together with the employer’s. Amounts in today’s rules.":"Il-kontribuzzjoni tiegħek titnaqqas mis-salarju taxxabbli (Liġi 5078/2023), sa 20% tal-gross flimkien ma’ dik tal-prinċipal. Ammonti skont ir-regoli tal-lum.","My contribution as":"Il-kontribuzzjoni tiegħi bħala","% of gross":"% tal-gross","€ per salary":"€ kull salarju","My contribution":"Il-kontribuzzjoni tiegħi","My contribution (% of gross)":"Il-kontribuzzjoni tiegħi (% tal-gross)","My contribution (€ per salary)":"Il-kontribuzzjoni tiegħi (€ kull salarju)","Employer contribution (% of gross)":"Kontribuzzjoni tal-prinċipal (% tal-gross)","From salary (% of gross)":"Mis-salarju (% tal-gross)","From salary (€ per payment)":"Mis-salarju (€ kull ħlas)","Bonus / year (% of annual salary)":"Bonus / sena (% tas-salarju annwali)","From bonus (% of bonus)":"Mill-bonus (% tal-bonus)","Annual salary {s} + bonus {b} = {t}. 20% limit: {l} / year, you use {u}.":"Salarju annwali {s} + bonus {b} = {t}. Limitu ta’ 20%: {l} / sena, int tuża {u}."," Room left: {r} a year, so the From salary box can go up to {p} (it is a % of salary only, without the bonus).":" Spazju li fadal: {r} fis-sena, għalhekk il-kaxxa Mis-salarju tista’ tasal sa {p} (hija % tas-salarju biss, mingħajr il-bonus)."," Over the limit by {r} a year: that part gets no tax deduction.":" ’Il fuq mil-limitu b’{r} fis-sena: dik il-parti ma tieħu l-ebda tnaqqis tat-taxxa.","{v} per payment":"{v} kull ħlas","Employer contribution":"Kontribuzzjoni tal-prinċipal","Plan return in year 1":"Rendiment tal-pjan fl-ewwel sena","What you earn this year from the plan":"Dak li taqla’ din is-sena mill-pjan","tax saved + employer contribution + return":"taxxa ffrankata + kontribuzzjoni tal-prinċipal + rendiment","{a} of what you put in · {b} of your real cost":"{a} ta’ dak li tpoġġi · {b} tal-ispiża reali tiegħek","Total received / year (take-home + plan)":"Total riċevut / sena (nett + pjan)","Bonus / year (gross)":"Bonus / sena (gross)","Plan contribution from salary":"Kontribuzzjoni għall-pjan mis-salarju","Plan contribution from bonus":"Kontribuzzjoni għall-pjan mill-bonus","Bonus received, net":"Bonus riċevut, nett","Plan return per year (%)":"Rendiment tal-pjan fis-sena (%)","Years contributing":"Snin ta’ kontribuzzjoni","Yearly raise (%)":"Żieda annwali (%)","Balance already in plan (€)":"Bilanċ diġà fil-pjan (€)","Payout":"Ħlas","Lump sum":"Somma f’daqqa","Monthly pension":"Pensjoni fix-xahar","Paid monthly over (years)":"Imħallas kull xahar fuq (snin)","I withdraw early by choice, before 60 or retirement (+50% tax)":"Nirtira l-flus kmieni b’għażla, qabel is-60 jew l-irtirar (+50% taxxa)","Net per month with the plan":"Nett fix-xahar bil-pjan","{d} less than without it ({w}) · lower tax covers {p} of your contribution":"{d} inqas milli mingħajru ({w}) · it-taxxa aktar baxxa tkopri {p} tal-kontribuzzjoni tiegħek","Income tax saved / year":"Taxxa fuq id-dħul iffrankata / sena","{p} of what you put in":"{p} ta’ dak li tpoġġi","Real cost of each €1":"Spiża reali ta’ kull €1","out of your take-home pay":"mill-paga netta tiegħek","Balance after {n} years":"Bilanċ wara {n} snin","you {a} · employer {b} · return {c}":"int {a} · prinċipal {b} · rendiment {c}","Net at payout":"Nett fil-ħlas","lump sum after {r} tax":"somma f’daqqa wara {r} taxxa","per month for {n} years, after {r} tax":"kull xahar għal {n} snin, wara {r} taxxa","Together you put in {c} a year, above the 20% limit of {l}. The excess {x} is taxed as salary.":"Flimkien tpoġġu {c} fis-sena, ’il fuq mil-limitu ta’ 20% ta’ {l}. Il-bqija {x} tiġi ntaxxata bħala salarju.","This year: salary without and with the plan":"Din is-sena: salarju mingħajr u bil-pjan","Without plan":"Mingħajr pjan","With plan":"Bil-pjan","Gross / year":"Gross / sena","Your plan contribution":"Il-kontribuzzjoni tiegħek għall-pjan","Take-home / year":"Nett / sena","Take-home / regular month":"Nett / xahar normali","Going into the plan / year":"Fil-pjan / sena","EFKA is still paid on your full gross; only income tax goes down. Your saving is roughly your top tax rate on every euro you contribute.":"L-EFKA xorta titħallas fuq il-gross kollu; it-taxxa fuq id-dħul biss tinżel. L-iffrankar tiegħek huwa bejn wieħed u ieħor l-ogħla rata tat-taxxa tiegħek fuq kull ewro li tikkontribwixxi.","What you gain in year 1":"Dak li taqla’ fl-ewwel sena","Into the plan (you + employer)":"Fil-pjan (int + prinċipal)","Cost to your take-home pay":"Spiża għall-paga netta tiegħek","Return in year 1 ({r})":"Rendiment fl-ewwel sena ({r})","Balance after 1 year":"Bilanċ wara sena","If withdrawn after 1 year, net ({r} tax)":"Jekk tiġbed wara sena, nett ({r} taxxa)","Gain vs taking it as salary":"Qligħ meta mqabbel ma’ teħodhom bħala salarju","Every €1 out of your pocket puts {v} into the plan. Most of the gain is the tax you don’t pay now; the return adds to it over time.":"Kull €1 minn butek ipoġġi {v} fil-pjan. Il-biċċa l-kbira tal-qligħ hija t-taxxa li ma tħallasx issa; ir-rendiment iżid magħha maż-żmien.","Plan balance year by year ({n} years)":"Bilanċ tal-pjan sena b’sena ({n} snin)","Employer contributions":"Kontribuzzjonijiet tal-prinċipal","Investment return":"Rendiment tal-investiment","Starting balance":"Bilanċ tal-bidu","Saving the same take-home yourself":"Tiffranka l-istess nett int stess","Plan vs saving it yourself":"Pjan jew tiffranka int stess","Plan balance":"Bilanċ tal-pjan","Tax at payout ({r})":"Taxxa fil-ħlas ({r})","Plan, net to you":"Pjan, nett għalik","Saving yourself, net":"Tiffranka int stess, nett","Advantage of the plan":"Vantaġġ tal-pjan","Total that left your take-home pay":"Total li ħareġ mill-paga netta tiegħek","\"Saving yourself\" means taking the money as salary (paying full income tax) and investing the smaller amount at the same return, with 15% tax on the interest. The employer contribution exists only inside the plan.":"\"Tiffranka int stess\" tfisser li tieħu l-flus bħala salarju (tħallas it-taxxa kollha) u tinvesti l-ammont iżgħar bl-istess rendiment, b’taxxa ta’ 15% fuq l-imgħax. Il-kontribuzzjoni tal-prinċipal teżisti biss fil-pjan.","Payout tax by years in the plan (Law 5078/2023)":"Taxxa fil-ħlas skont is-snin fil-pjan (Liġi 5078/2023)","Years in plan":"Snin fil-pjan","Monthly":"Kull xahar","Early, by choice":"Kmieni, b’għażla","Tax is withheld by the insurer and is final. The +50% for early surrender does not apply after age 60 or pension age, on dismissal, employer bankruptcy, or a voluntary-exit scheme. Amounts built up before 2024 keep the old rules (10% up to €40,000, 20% above, for lump sums).":"It-taxxa tinżamm mill-assiguratur u hija finali. Iż-żieda ta’ 50% għall-ġbid kmieni ma tapplikax wara s-60 jew l-età tal-pensjoni, f’każ ta’ tkeċċija, falliment tal-prinċipal jew skema ta’ ħruġ volontarju. Ammonti miġbura qabel l-2024 iżommu r-regoli l-qodma (10% sa €40,000, 20% ’il fuq, għal somom f’daqqa).","Year by year":"Sena b’sena","You":"Int","Return":"Rendiment","Balance":"Bilanċ","Tax if paid out":"Taxxa jekk titħallas","Net if paid out":"Nett jekk titħallas","Saving yourself":"Tiffranka int stess","Based on Law 5078/2023 (articles 106–107, amending articles 14–15 of Law 4172/2013) and circular Ε.2060/2024, for contributions from 1/1/2024. The plan return is your assumption, after fees; real returns vary and are not guaranteed. EFKA is assumed to apply to your full gross. Check your plan’s rules (vesting, fees, guaranteed rate) with HR or the insurer.":"Ibbażat fuq il-Liġi 5078/2023 (artikli 106–107, li jemendaw l-artikli 14–15 tal-Liġi 4172/2013) u ċ-ċirkulari Ε.2060/2024, għall-kontribuzzjonijiet mill-1/1/2024. Ir-rendiment tal-pjan huwa suppożizzjoni tiegħek, wara t-tariffi; ir-rendimenti veri jvarjaw u mhumiex garantiti. L-EFKA hija meqjusa li tapplika fuq il-gross kollu. Iċċekkja r-regoli tal-pjan tiegħek (vesting, tariffi, rata garantita) mal-HR jew mal-assiguratur.","Yr ":"Sena","Balance: ":"Bilanċ:","Greece":"Greċja","Germany":"Ġermanja","Italy":"Italja","Spain":"Spanja","United Kingdom":"Renju Unit","Country":"Pajjiż","Compare countries":"Qabbel il-pajjiżi","How it is calculated":"Kif jinħadem","Rules applied (2026)":"Regoli applikati (2026)","Pension by claim age":"Pensjoni skont l-età tat-talba","Gross monthly pension by claim age":"Pensjoni gross fix-xahar skont l-età tat-talba","Workplace pension":"Pensjoni tal-post tax-xogħol","Plan balance year by year":"Bilanċ tal-pjan sena b’sena","Tax treatment":"Trattament tat-taxxa","Annual leave rules":"Regoli tal-liv annwali","Scale and notice":"Skala u avviż","Same salary, every country":"L-istess salarju, kull pajjiż","Compare":"Qabbel","Accuracy":"Preċiżjoni","Rent & bills":"Kera u kontijiet","Show money as":"Uri l-flus bħala","Nominal EUR":"EUR nominali","Purchasing power":"Poter tax-xiri","Every scenario":"Kull xenarju","Annual pay split by country (EUR)":"Paga annwali maqsuma skont il-pajjiż (EUR)","Pension insurance 9.3%":"Assigurazzjoni tal-pensjoni 9.3%","Unemployment 1.3%":"Qgħad 1.3%","Health 7.3% + 1.45% extra":"Saħħa 7.3% + 1.45% żejda","Income tax (Lohnsteuer)":"Taxxa fuq id-dħul (Lohnsteuer)","Solidarity surcharge":"Sopratassa ta’ solidarjetà","Church tax":"Taxxa tal-knisja","Kindergeld (paid separately)":"Kindergeld (imħallas separatament)","IRPEF gross (23/33/43%)":"IRPEF gross (23/33/43%)","Work deduction":"Tnaqqis għax-xogħol","Regional surcharge":"Sopratassa reġjonali","Municipal surcharge":"Sopratassa muniċipali","Tax-wedge bonus (tax-free)":"Bonus tat-tax wedge (mingħajr taxxa)","TFR set aside by employer (paid on leaving)":"TFR imwarrab mill-prinċipal (imħallas meta titlaq)","Social security 6.50%":"Sigurtà soċjali 6.50%","Solidarity contribution":"Kontribuzzjoni ta’ solidarjetà","Beckham law: flat 24%":"Liġi Beckham: 24% fissa","Work-income reduction":"Tnaqqis fuq id-dħul mix-xogħol","IRPF (state + regional)":"IRPF (statali + reġjonali)","Income tax 20% / 40% / 45%":"Taxxa fuq id-dħul 20% / 40% / 45%","Bonus % of annual salary":"Bonus % tas-salarju annwali","Tax class":"Klassi tat-taxxa","I · single":"I · waħdu","II · single parent":"II · ġenitur waħdu","III · married, sole earner":"III · miżżewweġ, dħul wieħed","None":"Xejn","Regional surcharge %":"Sopratassa reġjonali %","Municipal surcharge %":"Sopratassa muniċipali %","Employer INPS %":"INPS tal-prinċipal %","Region (IRPF scale)":"Reġjun (skala IRPF)","General scale":"Skala ġenerali","Catalonia":"Katalonja","Single parent (full child allowance)":"Ġenitur waħdu (allowance sħiħa għat-tfal)","New resident: Beckham law (flat 24% for 6 years)":"Resident ġdid: liġi Beckham (24% fissa għal 6 snin)","New resident: impatriati regime (50% of pay exempt, 60% with a child, 5 years)":"Resident ġdid: reġim impatriati (50% tal-paga eżenti, 60% bi tfal, 5 snin)","Overtime hours / month":"Sigħat ta’ overtime / xahar","Overtime premium %":"Premium tal-overtime %","Night hours / month":"Sigħat ta’ bil-lejl / xahar","Night premium %":"Premium ta’ bil-lejl %","Sunday / holiday hours":"Sigħat tal-Ħadd / btala","Sunday premium %":"Premium tal-Ħadd %","Contract hours / week":"Sigħat tal-kuntratt / ġimgħa","Yearly invoicing":"Fatturat annwali","Business expenses %":"Spejjeż tan-negozju %","Own pension saving % of profit":"Iffrankar għall-pensjoni tiegħi % tal-profitt","Profitability coefficient %":"Koeffiċjent ta’ profittabilità %","First 5 years: 5% flat tax":"L-ewwel 5 snin: taxxa fissa ta’ 5%","Avg gross / month so far":"Gross medju / xahar s’issa","Gross / month from now":"Gross / xahar minn issa","Claim pension at age":"Itlob il-pensjoni fl-età ta’","Real revaluation of contributions %":"Rivalutazzjoni reali tal-kontribuzzjonijiet %","Employer contribution %":"Kontribuzzjoni tal-prinċipal %","Bonus / year (% of salary)":"Bonus / sena (% tas-salarju)","Plan return / year %":"Rendiment tal-pjan / sena %","Yearly raise %":"Żieda annwali %","Tax & charges on payout %":"Taxxa u spejjeż fil-ħlas %","Send my TFR to the fund":"Ibgħat it-TFR tiegħi lill-fond","Employer passes on its NI saving %":"Il-prinċipal jgħaddi l-iffrankar tal-NI %","Leave days in my contract":"Jiem ta’ liv fil-kuntratt tiegħi","Youngest child age":"Età tat-tifel l-iżgħar","Single parent":"Ġenitur waħdu","Dismissal by employer (with settlement)":"Tkeċċija mill-prinċipal (bi ftehim)","Dismissal, justified":"Tkeċċija ġustifikata","Dismissal ruled unfair (Jobs Act)":"Tkeċċija ddikjarata inġusta (Jobs Act)","Unfair dismissal (improcedente)":"Tkeċċija inġusta (improcedente)","Objective dismissal (20 days)":"Tkeċċija oġġettiva (20 jum)","End of temporary contract":"Tmiem ta’ kuntratt temporanju","Redundancy":"Redundancy","Dismissal (not redundancy)":"Tkeċċija (mhux redundancy)","Last day":"L-aħħar jum","Settlement: months per year":"Ftehim: xhur kull sena","Notice paid in lieu (months)":"Avviż imħallas minflok (xhur)","Gross / year (EUR)":"Gross / sena (EUR)","Adults in household":"Adulti fid-dar","Include utilities (electricity, heating, water)":"Inkludi l-utilitajiet (elettriku, tisħin, ilma)","I am moving there: apply new-resident tax regimes (Greece 5C, Italy impatriati, Spain Beckham)":"Se nmur ngħix hemm: applika reġimi għal residenti ġodda (Greċja 5C, Italja impatriati, Spanja Beckham)","Past avg pay, % of today":"Paga medja tal-passat, % ta’ dik tal-lum","At each country’s earliest full-pension age":"Fl-ewwel età ta’ pensjoni sħiħa ta’ kull pajjiż","At the same age everywhere":"Fl-istess età kullimkien","Same claim age":"L-istess età tat-talba","Years of service":"Snin ta’ servizz","Countries shown":"Pajjiżi murija","All countries":"Il-pajjiżi kollha","Greece, Germany, Italy, Spain, UK, France":"Greċja, Ġermanja, Italja, Spanja, Renju Unit, Franza","§32a EStG 2026: basic allowance €12,348, rates rising from 14% to 42%, 45% above €277,826. Solidarity surcharge (5.5%) only when income tax exceeds €20,350.":"§32a EStG 2026: allowance bażika €12,348, rati minn 14% sa 42%, 45% ’il fuq minn €277,826. Sopratassa ta’ solidarjetà (5.5%) biss meta t-taxxa taqbeż €20,350.","Social insurance":"Assigurazzjoni soċjali","Employee: pension 9.3% and unemployment 1.3% up to €8,450/month; health 7.3% + half the average 2.9% extra rate, care 1.8% (+0.6% childless from 23, −0.25% per child from the 2nd) up to €5,812.50/month. Employer pays about the same plus ~1.6% levies.":"Impjegat: pensjoni 9.3% u qgħad 1.3% sa €8,450/xahar; saħħa 7.3% + nofs ir-rata żejda medja ta’ 2.9%, kura fit-tul 1.8% (+0.6% mingħajr tfal mit-23, −0.25% kull tifel mit-tieni) sa €5,812.50/xahar. Il-prinċipal iħallas bejn wieħed u ieħor l-istess flimkien ma’ ~1.6% imposti.","Tax classes and family":"Klassijiet tat-taxxa u familja","Class I single, II single parent (relief €4,260), III married with a low-earning partner (splitting). Kindergeld €259 per child per month is paid separately. Church tax 8% (BY, BW) or 9%.":"Klassi I waħdu, II ġenitur waħdu (tnaqqis ta’ €4,260), III miżżewweġ ma’ sieħeb b’dħul baxx (splitting). Il-Kindergeld ta’ €259 kull tifel fix-xahar jitħallas separatament. Taxxa tal-knisja 8% (BY, BW) jew 9%.","23% up to €28,000, 33% up to €50,000 (cut from 35% by the 2026 Budget Law), 43% above. Work deduction up to €1,955, zero at €50,000.":"23% sa €28,000, 33% sa €50,000 (imnaqqsa minn 35% bil-Liġi tal-Baġit 2026), 43% ’il fuq. Tnaqqis għax-xogħol sa €1,955, żero f’€50,000.","Tax-wedge cut":"Tnaqqis tat-tax wedge","Tax-free bonus of 7.1% / 5.3% / 4.8% of income up to €8,500 / €15,000 / €20,000; extra €1,000 deduction from €20,000 to €32,000, tapering to zero at €40,000.":"Bonus mingħajr taxxa ta’ 7.1% / 5.3% / 4.8% tad-dħul sa €8,500 / €15,000 / €20,000; tnaqqis żejjed ta’ €1,000 minn €20,000 sa €32,000, jonqos għal żero f’€40,000.","INPS and TFR":"INPS u TFR","Employee 9.19% (+1% above €56,224); employer about 30%. The employer also sets aside TFR (pay ÷ 13.5 each year), paid when you leave. Regional (1.23–3.33%) and municipal (0–0.9%) surcharges: enter yours.":"Impjegat 9.19% (+1% ’il fuq minn €56,224); prinċipal madwar 30%. Il-prinċipal iwarrab ukoll it-TFR (paga ÷ 13.5 kull sena), imħallas meta titlaq. Sopratassi reġjonali (1.23–3.33%) u muniċipali (0–0.9%): daħħal tiegħek.","State + regional scale (general reference): 19%, 24%, 30%, 37%, 45%, 47%; regions vary slightly. Personal allowance €5,550; children €2,400 / €2,700 / €4,000 / €4,500, split between parents.":"Skala statali + reġjonali (referenza ġenerali): 19%, 24%, 30%, 37%, 45%, 47%; ir-reġjuni jvarjaw ftit. Allowance personali €5,550; tfal €2,400 / €2,700 / €4,000 / €4,500, maqsuma bejn il-ġenituri.","Work-income relief":"Ħelsien fuq id-dħul mix-xogħol","€2,000 general deduction, plus a reduction of up to €7,302 for net work income up to €14,852, phasing out by €19,747.50.":"Tnaqqis ġenerali ta’ €2,000, flimkien ma’ tnaqqis sa €7,302 għal dħul nett mix-xogħol sa €14,852, li jispiċċa sa €19,747.50.","Social security":"Sigurtà soċjali","Employee 6.50% (4.70% common, 1.55% unemployment, 0.10% training, 0.15% MEI) up to €5,101.20/month, plus a small solidarity contribution above it. Employer about 32%. Usually 14 payments.":"Impjegat 6.50% (4.70% komuni, 1.55% qgħad, 0.10% taħriġ, 0.15% MEI) sa €5,101.20/xahar, flimkien ma’ kontribuzzjoni żgħira ta’ solidarjetà ’l fuq minnhom. Prinċipal madwar 32%. Normalment 14-il ħlas.","England, Wales, Northern Ireland 2026/27: personal allowance £12,570 (lost £1 per £2 above £100,000), 20% to £50,270, 40% to £125,140, 45% above. Scotland has its own bands.":"L-Ingilterra, Wales, l-Irlanda ta’ Fuq 2026/27: allowance personali £12,570 (tintilef £1 kull £2 ’il fuq minn £100,000), 20% sa £50,270, 40% sa £125,140, 45% ’il fuq. L-Iskozja għandha l-faxex tagħha.","Employee 8% between £12,570 and £50,270, 2% above. Employer 15% above £5,000 a year.":"Impjegat 8% bejn £12,570 u £50,270, 2% ’il fuq. Prinċipal 15% ’il fuq minn £5,000 fis-sena.","Not included":"Mhux inkluż","Student loan repayments, workplace pension (see Private pension) and benefits in kind. Amounts in pounds sterling.":"Ħlasijiet lura ta’ self tal-istudenti, pensjoni tal-post tax-xogħol (ara Pensjoni privata) u benefiċċji in natura. Ammonti fi sterlini.","payments a year":"ħlasijiet fis-sena","gross / month":"gross / xahar","of gross":"tal-gross","of each extra 1 gross":"minn kull 1 gross żejjed","Social sec.":"Sig. soċjali","Your social security":"Is-sigurtà soċjali tiegħek","Employer social security":"Sigurtà soċjali tal-prinċipal","No legal premium":"L-ebda premium legali","German law sets no overtime premium; it comes from your contract or collective agreement (often 25%). Working time max 10 h/day, 48 h/week on average.":"Il-liġi Ġermaniża ma tistabbilixxi l-ebda premium għall-overtime; jiġi mill-kuntratt jew mill-ftehim kollettiv (spiss 25%). Ħin tax-xogħol massimu 10 sigħat/jum, 48 siegħa/ġimgħa bħala medja.","Tax-free supplements":"Żidiet mingħajr taxxa","Night (up to 25%, 40% from 0–4h), Sunday (up to 50%) and holiday (up to 125%) supplements are free of tax (§3b EStG) and social insurance on hourly pay up to €25. This calculator treats night and Sunday premiums as tax-free.":"Iż-żidiet ta’ bil-lejl (sa 25%, 40% minn 0–4), tal-Ħadd (sa 50%) u tal-btajjel (sa 125%) huma eżenti mit-taxxa (§3b EStG) u mill-assigurazzjoni soċjali fuq paga fis-siegħa sa €25. Dan il-kalkolatur jittratta l-premiums ta’ bil-lejl u tal-Ħadd bħala mingħajr taxxa.","Set by your CCNL":"Stabbilit mis-CCNL tiegħek","Overtime premiums come from the national collective agreement, typically 15–30% (night and holiday more). Max 250 overtime hours a year unless the CCNL says otherwise; 48 h/week on average.":"Il-premiums tal-overtime ġejjin mill-ftehim kollettiv nazzjonali, normalment 15–30% (aktar bil-lejl u fil-btajjel). Massimu 250 siegħa overtime fis-sena sakemm is-CCNL ma jgħidx mod ieħor; 48 siegħa/ġimgħa bħala medja.","Overtime is taxed and insured like normal pay, at your marginal IRPEF rate.":"L-overtime jiġi ntaxxat u assigurat bħall-paga normali, bir-rata marġinali IRPEF tiegħek.","At least normal pay":"Mill-inqas il-paga normali","Overtime must be paid at no less than the ordinary hourly rate (premium set by agreement) or compensated with time off within 4 months. Max 80 overtime hours a year.":"L-overtime irid jitħallas mill-inqas bir-rata normali fis-siegħa (premium bi ftehim) jew jiġi kkumpensat b’ħin liberu fi żmien 4 xhur. Massimu 80 siegħa overtime fis-sena.","Tax and contributions":"Taxxa u kontribuzzjonijiet","Taxed at your IRPEF rate; structural overtime carries an extra employee contribution of 2% (4.7% for non-structural).":"Intaxxat bir-rata IRPF tiegħek; l-overtime strutturali għandu kontribuzzjoni żejda tal-impjegat ta’ 2% (4.7% għal mhux strutturali).","There is no statutory overtime rate; time-and-a-half is common by contract. Average pay must not fall below the National Living Wage (£12.71/h from April 2026). Working week max 48 h on average unless you opt out.":"M’hemm l-ebda rata statutorja għall-overtime; darba u nofs huwa komuni bil-kuntratt. Il-paga medja ma tistax tinżel taħt in-National Living Wage (£12.71/siegħa minn April 2026). Ġimgħa tax-xogħol massimu 48 siegħa bħala medja sakemm ma tirrinunzjax.","Overtime is taxed and subject to National Insurance like normal pay.":"L-overtime jiġi ntaxxat u jħallas National Insurance bħall-paga normali.","Overtime":"Overtime","gross extra":"gross żejjed","hourly rate":"rata fis-siegħa","annual salary ÷ 52 ÷ weekly hours":"salarju annwali ÷ 52 ÷ sigħat fil-ġimgħa","net · ":"nett ·"," gross":" gross","of each taxed extra unit":"minn kull unità żejda ntaxxata","10 h / day":"10 sigħat / jum","250 h / year":"250 siegħa / sena","80 h / year":"80 siegħa / sena","48 h / week avg":"48 siegħa / ġimgħa medja","Legal limit":"Limitu legali","you exceed it":"qed taqbżu","More than 80 overtime hours a year exceeds the legal limit in Spain.":"Aktar minn 80 siegħa overtime fis-sena jaqbeż il-limitu legali fi Spanja.","tax-free":"mingħajr taxxa","Health & care insurance + own pension":"Assigurazzjoni tas-saħħa u kura + pensjoni tiegħek","Self-employed quota (RETA)":"Kwota tal-awtonomi (RETA)","Freiberufler":"Freiberufler","Income tax on profit with the same tariff, no employee tax allowances. Statutory health (14.6% + 2.9% extra) and care insurance on profit (minimum base €1,248.33/month), paid fully by you. No compulsory pension for most freelancers: save privately. Trade tax only for commercial (Gewerbe) activity.":"Taxxa fuq id-dħul fuq il-profitt bl-istess tariffa, mingħajr allowances tal-impjegati. Assigurazzjoni statutorja tas-saħħa (14.6% + 2.9% żejda) u tal-kura fuq il-profitt (bażi minima €1,248.33/xahar), imħallsa kollha minnek. L-ebda pensjoni obbligatorja għall-biċċa l-kbira tal-freelancers: iffranka privatament. Taxxa kummerċjali biss għal attività kummerċjali (Gewerbe).","Revenue up to €85,000: taxable income = revenue × profitability coefficient (78% for professionals); INPS Gestione Separata 26.07% on it; flat substitute tax 15% (5% in the first 5 years) after deducting INPS. Real expenses are not deductible. No VAT charged.":"Fatturat sa €85,000: dħul taxxabbli = fatturat × koeffiċjent ta’ profittabilità (78% għall-professjonisti); INPS Gestione Separata 26.07% fuqu; taxxa sostituttiva fissa ta’ 15% (5% fl-ewwel 5 snin) wara li titnaqqas l-INPS. L-ispejjeż veri ma jitnaqqsux. L-ebda VAT.","Monthly RETA quota by real net yield: from €200 (up to €670/month) to €590 (above €6,000/month), 2025 table, 2026 slightly higher. IRPF on profit with the same scale, 5% hard-to-justify expenses (max €2,000), no work-income reduction.":"Kwota RETA fix-xahar skont ir-rendiment nett reali: minn €200 (sa €670/xahar) sa €590 (’il fuq minn €6,000/xahar), tabella tal-2025, l-2026 ftit ogħla. IRPF fuq il-profitt bl-istess skala, 5% spejjeż diffiċli biex jiġu ġġustifikati (massimu €2,000), mingħajr tnaqqis fuq id-dħul mix-xogħol.","Sole trader":"Negozjant waħdu","Income tax on profit with the same bands; Class 4 National Insurance 6% between £12,570 and £50,270, 2% above (Class 2 abolished from April 2024). No employer NI, holiday pay or redundancy.":"Taxxa fuq id-dħul fuq il-profitt bl-istess faxex; National Insurance Class 4 ta’ 6% bejn £12,570 u £50,270, 2% ’il fuq (Class 2 abolita minn April 2024). L-ebda NI tal-prinċipal, paga tal-liv jew redundancy."," of employer cost":" tal-ispiża tal-prinċipal"," of invoicing":" tal-fatturat","Paid leave, sick pay, severance, unemployment cover":"Liv imħallas, paga tal-mard, kumpens, kopertura tal-qgħad","Above €85,000 the forfettario regime no longer applies.":"’Il fuq minn €85,000 ir-reġim forfettario ma jibqax japplika.","Expenses":"Spejjeż","Pension points":"Punti tal-pensjoni","Each year earns your gross ÷ average pay (€51,944 in 2026), capped at €101,400. Monthly pension = points × €42.52 (pension value from July 2026, +4.24%).":"Kull sena tagħti l-gross tiegħek ÷ il-paga medja (€51,944 fl-2026), b’limitu ta’ €101,400. Pensjoni fix-xahar = punti × €42.52 (valur tal-pensjoni minn Lulju 2026, +4.24%).","Ages":"Etajiet","Regular age 67 (born 1964+), minimum 5 years. From 63 with 35 years: −0.3% per month early (max 14.4%). With 45 years: no cut from 65. Working past 67 adds 0.5% per month.":"Età regolari 67 (imwielda 1964+), minimu 5 snin. Mit-63 b’35 sena: −0.3% kull xahar kmieni (massimu 14.4%). B’45 sena: l-ebda tnaqqis mill-65. Taħdem wara s-67 iżżid 0.5% kull xahar.","Deductions":"Tnaqqis","Pensioners pay health (7.3% + half the extra rate) and full care insurance; the taxable share of the pension is 84% for 2026 retirees, rising 0.5 points a year.":"Il-pensjonanti jħallsu s-saħħa (7.3% + nofs ir-rata żejda) u l-kura fit-tul kollha; is-sehem taxxabbli tal-pensjoni huwa 84% għal min jirtira fl-2026, u jogħla 0.5 punti fis-sena.","Contributory system":"Sistema kontributorja","33% of pay builds a notional capital, revalued with GDP growth. At retirement it is multiplied by the transformation coefficient for your age (5.608% at 67 in 2025–2026). Paid 13 times a year.":"33% tal-paga jibni kapital nozzjonali, rivalutat mat-tkabbir tal-PDG. Fl-irtirar jiġi mmultiplikat bil-koeffiċjent ta’ trasformazzjoni għall-età tiegħek (5.608% fis-67 fl-2025–2026). Jitħallas 13-il darba fis-sena.","Old-age pension at 67 with 20 years. Early: any age with 42 years 10 months (women 41y10m), or 64 with 20 years if the pension is at least 3× the social allowance.":"Pensjoni tax-xjuħija fis-67 b’20 sena. Kmieni: fi kwalunkwe età b’42 sena u 10 xhur (nisa 41s10x), jew fl-64 b’20 sena jekk il-pensjoni tkun mill-inqas 3× l-allowance soċjali.","Calculation":"Kalkolu","Base = average of contribution bases of the last 25 years ÷ 14 per month. 15 years give 50%, rising to 100% at 36.5 years. Max pension €3,359.60 × 14 (2026).":"Bażi = medja tal-bażijiet tal-kontribuzzjoni tal-aħħar 25 sena ÷ 14 kull xahar. 15-il sena jagħtu 50%, li jogħla sa 100% fi 36.5 snin. Pensjoni massima €3,359.60 × 14 (2026).","Ordinary age 66y10m in 2026 and 67 from 2027, or 65 with 38.5 years. Voluntary early retirement up to 2 years before with 35 years, cut per month by contribution length; +4% per year for working past ordinary age.":"Età ordinarja 66s10x fl-2026 u 67 mill-2027, jew 65 b’38.5 snin. Irtirar kmieni volontarju sa sentejn qabel b’35 sena, b’tnaqqis kull xahar skont it-tul tal-kontribuzzjoni; +4% fis-sena għal min jaħdem wara l-età ordinarja.","New State Pension":"New State Pension","£241.30 a week in 2026/27 with 35 qualifying years of National Insurance; at least 10 years for any pension; proportional in between. Rises each April by the triple lock.":"£241.30 fil-ġimgħa fl-2026/27 b’35 sena ta’ National Insurance; mill-inqas 10 snin għal kwalunkwe pensjoni; proporzjonali bejniethom. Togħla kull April bit-triple lock.","State Pension age rises to 67 between 2026 and 2028, and to 68 for people born after April 1977 (current law). It cannot be taken early; deferring adds about 5.8% per year.":"L-età tal-State Pension togħla għal 67 bejn l-2026 u l-2028, u għal 68 għal min twieled wara April 1977 (liġi attwali). Ma tistax tittieħed kmieni; jekk tipposponiha tiżdied madwar 5.8% fis-sena.","gross":"gross","pension share, whole career":"sehem tal-pensjoni, il-karriera kollha","of your own contributions":"tal-kontribuzzjonijiet tiegħek","Claim age":"Età tat-talba","Status":"Status","Net / month":"Nett / xahar","Net / year":"Nett / sena","Your pension contributions":"Il-kontribuzzjonijiet tiegħek għall-pensjoni","Including employer":"Inkluż il-prinċipal","Lifetime pension ÷ your contributions":"Pensjoni matul il-ħajja ÷ il-kontribuzzjonijiet tiegħek","UK National Insurance also funds other benefits, so \"contributions\" here overstate what pays for the pension.":"In-National Insurance Brittanika tiffinanzja wkoll benefiċċji oħra, għalhekk il-\"kontribuzzjonijiet\" hawn jesaġeraw dak li jħallas għall-pensjoni.","Amounts in today’s money; pensions assumed to keep pace with inflation.":"Ammonti fi flus tal-lum; il-pensjonijiet huma meqjusa li jżommu mal-inflazzjoni.","Entgeltumwandlung (bAV): up to 8% of the pension ceiling (€8,112 in 2026) is tax-free and up to 4% (€4,056) also free of social insurance. The employer must add 15% of the converted amount when it saves contributions. Payouts are fully taxed and subject to health/care insurance. Converting lowers your future state pension slightly.":"Entgeltumwandlung (bAV): sa 8% tal-limitu tal-pensjoni (€8,112 fl-2026) huwa mingħajr taxxa u sa 4% (€4,056) ukoll mingħajr assigurazzjoni soċjali. Il-prinċipal irid iżid 15% tal-ammont mibdul meta jiffranka l-kontribuzzjonijiet. Il-ħlasijiet huma ntaxxati kollha u jħallsu s-saħħa/kura. Il-bdil inaqqas ftit il-pensjoni statali futura tiegħek.","Fondo pensione: contributions (yours + employer) are deductible up to €5,164.57 a year; TFR can flow into the fund on top. Payouts are taxed at 15%, falling 0.3 points per year of membership after 15 years, down to 9%. Up to 50% can be taken as a lump sum at retirement.":"Fondo pensione: il-kontribuzzjonijiet (tiegħek + tal-prinċipal) jitnaqqsu sa €5,164.57 fis-sena; it-TFR jista’ jidħol fil-fond barra minn hekk. Il-ħlasijiet jiġu ntaxxati 15%, li jinżel 0.3 punti kull sena ta’ sħubija wara 15-il sena, sa 9%. Sa 50% jista’ jittieħed bħala somma f’daqqa fl-irtirar.","Planes de pensiones: contributions reduce the IRPF base up to €1,500 (individual) plus up to €8,500 through an employment plan (€10,000 total with the employer). Payouts are taxed as work income at your rate then; the 40% lump-sum reduction only applies to pre-2007 money.":"Planes de pensiones: il-kontribuzzjonijiet inaqqsu l-bażi IRPF sa €1,500 (individwali) flimkien ma’ sa €8,500 permezz ta’ pjan tal-impjieg (€10,000 b’kollox mal-prinċipal). Il-ħlasijiet jiġu ntaxxati bħala dħul mix-xogħol bir-rata tiegħek dakinhar; it-tnaqqis ta’ 40% fuq somma f’daqqa japplika biss għal flus ta’ qabel l-2007.","Salary sacrifice: the sacrificed pay is free of income tax and employee NI (8%/2%); the employer saves 15% NI and may pass some on. Annual allowance £60,000. At retirement 25% is tax-free and the rest taxed as income. From April 2029 the NI saving is planned to be capped at £2,000 a year.":"Salary sacrifice: il-paga ssagrifikata hija eżenti mit-taxxa u mill-NI tal-impjegat (8%/2%); il-prinċipal jiffranka 15% NI u jista’ jgħaddi parti. Allowance annwali £60,000. Fl-irtirar 25% huwa mingħajr taxxa u l-bqija jiġi ntaxxat bħala dħul. Minn April 2029 l-iffrankar tal-NI huwa ppjanat li jkun limitat għal £2,000 fis-sena.","Deductible up to €5,164.57 a year, yours plus employer’s.":"Jitnaqqas sa €5,164.57 fis-sena, tiegħek flimkien ma’ tal-prinċipal.","Reduces the tax base up to €10,000 a year including the employer (employment plan).":"Inaqqas il-bażi tat-taxxa sa €10,000 fis-sena inkluż il-prinċipal (pjan tal-impjieg).","Salary sacrifice: no income tax or NI on the sacrificed pay. Annual allowance £60,000.":"Salary sacrifice: l-ebda taxxa jew NI fuq il-paga ssagrifikata. Allowance annwali £60,000.","Saved this year":"Iffrankat din is-sena","tax + social security":"taxxa + sigurtà soċjali","Gross / year (incl. bonus)":"Gross / sena (bil-bonus)","Your contribution":"Il-kontribuzzjoni tiegħek","TFR into the fund":"TFR fil-fond","Your contribution / year":"Il-kontribuzzjoni tiegħek / sena","Relieved from tax":"B’ħelsien mit-taxxa","Free of social security":"Mingħajr sigurtà soċjali","Payout tax & charges":"Taxxa u spejjeż fil-ħlas","New Year":"L-Ewwel tas-Sena","Ascension Day":"L-Axxensjoni","German Unity Day":"Jum l-Unità Ġermaniża","2nd Christmas Day":"It-Tieni Jum tal-Milied","Liberation Day":"Jum il-Ħelsien","Republic Day":"Jum ir-Repubblika","Ferragosto":"Ferragosto","All Saints":"Il-Qaddisin Kollha","Immaculate Conception":"It-Tnissil bla Tebgħa","St Stephen":"San Stiefnu","Assumption":"Santa Marija","National Day":"Jum Nazzjonali","Constitution Day":"Jum il-Kostituzzjoni","Early May bank holiday":"Btala bankarja tal-bidu ta’ Mejju","Spring bank holiday":"Btala bankarja tar-rebbiegħa","Summer bank holiday":"Btala bankarja tas-sajf","Federal Leave Act (BUrlG): at least 24 working days on a 6-day week (20 on 5 days); most contracts give 30. Carry-over to 31 March. National holidays shown; states add 1–4 more (Bavaria up to 13 in total).":"Liġi Federali tal-Liv (BUrlG): mill-inqas 24 jum tax-xogħol f’ġimgħa ta’ 6 ijiem (20 f’5); il-biċċa l-kbira tal-kuntratti jagħtu 30. Jista’ jgħaddi sal-31 ta’ Marzu. Il-btajjel nazzjonali murija; l-istati jżidu 1–4 oħra (il-Bavarja sa 13 b’kollox).","Maternity protection (Mutterschutz)":"Protezzjoni tal-maternità (Mutterschutz)","6 weeks before and 8 after birth":"6 ġimgħat qabel u 8 wara t-twelid","Full net pay (health insurer + employer)":"Paga netta sħiħa (assiguratur tas-saħħa + prinċipal)","Parental allowance (Elterngeld)":"Allowance tal-ġenituri (Elterngeld)","12 months, +2 if both parents take part; ElterngeldPlus doubles duration at half rate":"12-il xahar, +2 jekk iż-żewġ ġenituri jipparteċipaw; l-ElterngeldPlus jirdoppja t-tul b’nofs ir-rata","65–67% of net, €300–1,800/month":"65–67% tan-nett, €300–1,800/xahar","Parental leave (Elternzeit)":"Liv tal-ġenituri (Elternzeit)","Up to 3 years per parent until the child is 8":"Sa 3 snin kull ġenitur sakemm it-tifel ikollu 8","Unpaid, job protected":"Mhux imħallas, ix-xogħol protett","Sick child days":"Jiem għal tifel marid","15 days per child per parent in 2026 (max 35; single parents 30/70), child under 12":"15-il jum kull tifel kull ġenitur fl-2026 (massimu 35; ġenituri waħedhom 30/70), tifel taħt it-12","Kinderkrankengeld ≈ 90% of net":"Kinderkrankengeld ≈ 90% tan-nett","Care leave":"Liv għall-kura","10 days short-term for a relative; up to 6 months Pflegezeit":"10 ijiem għal żmien qasir għal qarib; sa 6 xhur Pflegezeit","Care support allowance / unpaid":"Allowance ta’ appoġġ għall-kura / mhux imħallas","Sick pay":"Paga tal-mard","6 weeks full pay from the employer, then Krankengeld":"6 ġimgħat paga sħiħa mill-prinċipal, imbagħad Krankengeld","100%, then 70% gross (max 90% net)":"100%, imbagħad 70% gross (massimu 90% nett)","Special leave (§616 BGB)":"Liv speċjali (§616 BGB)","Short paid absences for own wedding, birth, death in family (by contract, often 1–2 days)":"Assenzi qosra mħallsa għaż-żwieġ tiegħek, twelid, mewt fil-familja (skont il-kuntratt, spiss 1–2 jiem)","At least 4 weeks a year (Legislative Decree 66/2003), 2 of them consecutive in the year; CCNLs often give 26 days on a 6-day week plus ROL / ex-festività leave hours (often ~100 h/year). Plus the local patron saint’s day.":"Mill-inqas 4 ġimgħat fis-sena (Digriet Leġiżlattiv 66/2003), 2 minnhom wara xulxin fis-sena; is-CCNLs spiss jagħtu 26 jum f’ġimgħa ta’ 6 ijiem flimkien ma’ sigħat ROL / ex-festività (spiss ~100 siegħa/sena). Flimkien mal-jum tal-qaddis patrun lokali.","5 months (2 before + 3 after, or 0 + 5)":"5 xhur (2 qabel + 3 wara, jew 0 + 5)","80% of pay (often topped up to 100% by CCNL)":"80% tal-paga (spiss miżjuda għal 100% mis-CCNL)","10 working days, from 2 months before to 5 after birth":"10 ijiem tax-xogħol, minn xahrejn qabel sa 5 xhur wara t-twelid","Up to 10 months between parents (11 if the father takes 3), until the child is 12":"Sa 10 xhur bejn il-ġenituri (11 jekk il-missier jieħu 3), sakemm it-tifel ikollu 12","3 months at 80% (until age 6), then 30%":"3 xhur b’80% (sal-età ta’ 6), imbagħad 30%","Breastfeeding rest":"Mistrieħ għat-treddigħ","2 hours a day (1 if part-time) in the first year":"2 sigħat kuljum (siegħa jekk part-time) fl-ewwel sena","Sick child leave":"Liv għal tifel marid","Unlimited under 3; 10 days a year from 3 to 14 (2026)":"Bla limitu taħt it-3; 10 ijiem fis-sena minn 3 sa 14 (2026)","Law 104 leave":"Liv tal-Liġi 104","3 days a month to care for a relative with serious disability":"3 ijiem fix-xahar biex tieħu ħsieb qarib b’diżabilità serja","Paid by INPS":"Imħallas mill-INPS","Marriage leave":"Liv taż-żwieġ","15 calendar days":"15-il jum kalendarju","3 days a year":"3 ijiem fis-sena","30 calendar days a year (Workers’ Statute art. 38), about 22 working days on a 5-day week; cannot be replaced by money except on leaving. 14 public holidays a year in total: the national ones shown plus regional and 2 local days.":"30 jum kalendarju fis-sena (Statut tal-Ħaddiema art. 38), madwar 22 jum tax-xogħol f’ġimgħa ta’ 5 ijiem; ma jistgħux jinbidlu fi flus ħlief meta titlaq. 14-il btala pubblika fis-sena b’kollox: dawk nazzjonali murija flimkien ma’ dawk reġjonali u 2 lokali.","Birth and care leave":"Liv tat-twelid u tal-kura","19 weeks for each parent: 6 compulsory after birth, 11 flexible within 12 months, 2 until age 8":"19-il ġimgħa għal kull ġenitur: 6 obbligatorji wara t-twelid, 11 flessibbli fi żmien 12-il xahar, 2 sal-età ta’ 8","100% of contribution base (Social Security)":"100% tal-bażi tal-kontribuzzjoni (Sigurtà Soċjali)","Breastfeeding leave":"Liv għat-treddigħ","1 hour a day until 9 months, or about 15 days accumulated":"Siegħa kuljum sa 9 xhur, jew madwar 15-il jum miġbura","8 weeks until the child is 8":"8 ġimgħat sakemm it-tifel ikollu 8","Reduced hours for childcare":"Sigħat imnaqqsa għall-kura tat-tfal","Cut working time by 1/8 to 1/2 for a child under 12":"Naqqas il-ħin tax-xogħol minn 1/8 sa 1/2 għal tifel taħt it-12","Pay reduced proportionally":"Paga mnaqqsa proporzjonalment","Force majeure":"Forza maġġuri","Up to 4 days a year for urgent family reasons":"Sa 4 ijiem fis-sena għal raġunijiet urġenti tal-familja","Family illness or death":"Mard jew mewt fil-familja","5 days (serious illness, hospitalisation); 2 days for death (4 if travel)":"5 ijiem (mard serju, dħul l-isptar); 2 jiem għal mewt (4 jekk tivvjaġġa)","Marriage":"Żwieġ","5.6 weeks a year (28 days on a 5-day week, capped at 28) under the Working Time Regulations; employers may count the 8 bank holidays within it. Holidays shown are England & Wales.":"5.6 ġimgħat fis-sena (28 jum f’ġimgħa ta’ 5 ijiem, massimu 28) taħt il-Working Time Regulations; il-prinċipali jistgħu jgħoddu t-8 btajjel bankarji fihom. Il-btajjel murija huma tal-Ingilterra u Wales.","52 weeks, 39 of them paid":"52 ġimgħa, 39 minnhom imħallsa","6 weeks at 90%, then £194.32/week (SMP 2026/27)":"6 ġimgħat b’90%, imbagħad £194.32/ġimgħa (SMP 2026/27)","2 weeks within 52 weeks of birth":"2 ġimgħat fi żmien 52 ġimgħa mit-twelid","£194.32/week or 90% if lower":"£194.32/ġimgħa jew 90% jekk inqas","Shared parental leave":"Liv tal-ġenituri maqsum","Up to 50 weeks shared, 37 paid":"Sa 50 ġimgħa maqsuma, 37 imħallsa","£194.32/week":"£194.32/ġimgħa","Unpaid parental leave":"Liv tal-ġenituri mhux imħallas","18 weeks per child until 18, max 4 weeks a year":"18-il ġimgħa kull tifel sat-18, massimu 4 ġimgħat fis-sena","Time off for dependants":"Ħin liberu għad-dipendenti","Reasonable time for emergencies":"Ħin raġonevoli għall-emerġenzi","Usually unpaid":"Normalment mhux imħallas","Carer’s leave":"Liv tal-carers","1 week a year":"Ġimgħa fis-sena","Statutory sick pay":"Paga statutorja tal-mard","Up to 28 weeks":"Sa 28 ġimgħa","£123.25/week":"£123.25/ġimgħa","national, on working days":"nazzjonali, f’jiem tax-xogħol","leave + holidays":"liv + btajjel","at your daily pay":"bil-paga ta’ kuljum tiegħek","Legal minimum":"Minimu legali","Your contract":"Il-kuntratt tiegħek","You are entitled to":"Għandek dritt għal","Notice (§622 BGB)":"Avviż (§622 BGB)","Employer notice: 4 weeks, then 1 month after 2 years, 2 after 5, 3 after 8, 4 after 10, 5 after 12, 6 after 15, 7 after 20 years, to the month end. Employee: 4 weeks.":"Avviż tal-prinċipal: 4 ġimgħat, imbagħad xahar wara sentejn, 2 wara 5, 3 wara 8, 4 wara 10, 5 wara 12, 6 wara 15, 7 wara 20 sena, sal-aħħar tax-xahar. Impjegat: 4 ġimgħat.","No general legal right. In practice settled at about 0.5 month’s pay per year of service (§1a KSchG). Taxed as income using the one-fifth rule (now claimed in the annual return), no social insurance.":"L-ebda dritt legali ġenerali. Fil-prattika jiġi miftiehem madwar nofs xahar paga għal kull sena ta’ servizz (§1a KSchG). Intaxxat bħala dħul bir-regola tal-ħamsa (issa mitlub fid-dikjarazzjoni annwali), mingħajr assigurazzjoni soċjali.","Unemployment benefit (ALG I)":"Benefiċċju tal-qgħad (ALG I)","60% of net pay (67% with children) for 12 months, up to 24 from age 58 with long insurance. Resigning triggers a 12-week block.":"60% tal-paga netta (67% bi tfal) għal 12-il xahar, sa 24 mill-età ta’ 58 b’assigurazzjoni twila. Ir-riżenja ġġib blokk ta’ 12-il ġimgħa.","Every year the employer sets aside pay ÷ 13.5 (less 0.5%), revalued at 1.5% + 75% of inflation; paid on any termination and taxed separately at your average rate.":"Kull sena l-prinċipal iwarrab paga ÷ 13.5 (nieqes 0.5%), rivalutata b’1.5% + 75% tal-inflazzjoni; titħallas f’kull tmiem u tiġi ntaxxata separatament bir-rata medja tiegħek.","Unfair dismissal (Jobs Act)":"Tkeċċija inġusta (Jobs Act)","For contracts from 2015: 2 months’ pay per year of service, minimum 6, maximum 36 (smaller firms less).":"Għal kuntratti mill-2015: 2 xhur paga għal kull sena ta’ servizz, minimu 6, massimu 36 (kumpaniji iżgħar inqas).","75% of average monthly pay up to €1,456.72 plus 25% above, max €1,584.70 (2026); for half the weeks worked in the last 4 years (max 24 months), falling 3% a month from the 6th month. Not after resignation.":"75% tal-paga medja fix-xahar sa €1,456.72 flimkien ma’ 25% ’il fuq, massimu €1,584.70 (2026); għal nofs il-ġimgħat maħduma fl-aħħar 4 snin (massimu 24 xahar), jonqos 3% kull xahar mis-sitt xahar. Mhux wara riżenja.","Unfair dismissal: 33 days’ pay per year (45 for service before 12/02/2012), max 24 months. Objective dismissal: 20 days per year, max 12 months. End of temporary contract: 12 days per year. Tax-free up to the legal amount (max €180,000).":"Tkeċċija inġusta: 33 jum paga kull sena (45 għal servizz qabel 12/02/2012), massimu 24 xahar. Tkeċċija oġġettiva: 20 jum kull sena, massimu 12-il xahar. Tmiem ta’ kuntratt temporanju: 12-il jum kull sena. Mingħajr taxxa sal-ammont legali (massimu €180,000).","Final settlement (finiquito)":"Saldu finali (finiquito)","Unused holidays and the pro-rata part of the extra payments are always paid. Objective dismissal requires 15 days’ notice.":"Il-liv mhux meħud u l-parti pro rata tal-ħlasijiet żejda dejjem jitħallsu. It-tkeċċija oġġettiva teħtieġ 15-il jum avviż.","Unemployment benefit (paro)":"Benefiċċju tal-qgħad (paro)","70% of the base for 6 months, 60% to month 12, then 50%; between ~€560 and €1,225–1,575 a month; 4 to 24 months depending on contributions in the last 6 years. Not after resignation.":"70% tal-bażi għal 6 xhur, 60% sat-12-il xahar, imbagħad 50%; bejn ~€560 u €1,225–1,575 fix-xahar; 4 sa 24 xahar skont il-kontribuzzjonijiet tal-aħħar 6 snin. Mhux wara riżenja.","Statutory redundancy":"Redundancy statutorja","After 2 years: for each full year (max 20) ½ week’s pay under 22, 1 week 22–40, 1½ weeks from 41; weekly pay capped at £751 (max £22,530). First £30,000 of termination payments is tax-free.":"Wara sentejn: għal kull sena sħiħa (massimu 20) nofs ġimgħa paga taħt it-22, ġimgħa bejn it-22 u l-40, ġimgħa u nofs mill-41; paga fil-ġimgħa b’limitu ta’ £751 (massimu £22,530). L-ewwel £30,000 ta’ ħlasijiet tat-tmiem huma mingħajr taxxa.","At least 1 week after a month, then 1 week per full year up to 12 weeks. Pay in lieu of notice is taxed as earnings.":"Mill-inqas ġimgħa wara xahar, imbagħad ġimgħa għal kull sena sħiħa sa 12-il ġimgħa. Il-paga minflok l-avviż tiġi ntaxxata bħala qligħ.","About £95.55 a week (25+, estimate 2026/27) for up to 182 days if you have enough NI contributions.":"Madwar £95.55 fil-ġimgħa (25+, stima 2026/27) sa 182 jum jekk għandek biżżejjed kontribuzzjonijiet NI.","4 weeks":"4 ġimgħat","Settlement (Abfindung)":"Ftehim (Abfindung)","yrs":"snin","mo pay (typical)":"xhur paga (tipiku)","Settlement":"Ftehim","Notice paid in lieu":"Avviż imħallas minflok","Unfair-dismissal indemnity":"Kumpens għal tkeċċija inġusta","15 days":"15-il jum","Extra payment, pro rata":"Ħlas żejjed, pro rata","Days per year":"Jiem kull sena","Maximum":"Massimu","Unfair":"Inġusta","before 2012":"qabel l-2012","Objective":"Oġġettiva","Temporary contract end":"Tmiem ta’ kuntratt temporanju","statutory minimum":"minimu statutorju","£95.55 / week for 26 weeks (estimate)":"£95.55 / ġimgħa għal 26 ġimgħa (stima)","Age in each year":"Età f’kull sena","Weeks per year":"Ġimgħat kull sena","under 22":"taħt it-22","Weekly pay cap":"Limitu tal-paga fil-ġimgħa","TFR + indemnity":"TFR + kumpens","net":"nett","Each extra <b>{h}</b> of gross pay leaves you <b>{k}</b> net: {p} goes to tax and social security.":"Kull <b>{h}</b> żejda ta’ paga gross tħallilek <b>{k}</b> nett: {p} imorru għat-taxxa u s-sigurtà soċjali.","You are <b>{d}</b> below the next tax band ({a} → {b}).":"Int <b>{d}</b> taħt il-faxxa tat-taxxa li jmiss ({a} → {b}).","You are in the top tax band ({a}).":"Int fl-ogħla faxxa tat-taxxa ({a}).","Your tax credit ({c}) shrinks by 20 for every 1,000 of taxable income above 12,000, which adds 2 points to your marginal rate until it reaches zero at {z}.":"Il-kreditu tat-taxxa tiegħek ({c}) jonqos b’20 għal kull 1,000 ta’ dħul taxxabbli ’l fuq minn 12,000, li jżid 2 punti mar-rata marġinali tiegħek sakemm jasal għal żero f’{z}.","Putting 10% of your salary ({c} a year) into a group pension plan would cut your income tax by about <b>{s}</b> a year (see the Private pension tab).":"Jekk tpoġġi 10% tas-salarju ({c} fis-sena) f’pjan tal-pensjoni tal-grupp, it-taxxa fuq id-dħul tonqos b’madwar <b>{s}</b> fis-sena (ara t-tab Pensjoni privata).","You are paying a <b>{p}</b> penalty for not spending 30% of your income electronically. Spending another {q} by card would avoid it.":"Qed tħallas penali ta’ <b>{p}</b> għax ma tonfoqx 30% tad-dħul b’mod elettroniku. Jekk tonfoq {q} oħra bil-karta tevitaha.","Keep spending at least <b>{q}</b> a year by card or e-payment (30% of your income, max 20,000), or a 22% penalty applies to the shortfall.":"Kompli onfoq mill-inqas <b>{q}</b> fis-sena bil-karta jew b’pagament elettroniku (30% tad-dħul, massimu 20,000), inkella tapplika penali ta’ 22% fuq id-differenza.","Your bonus is taxed at your top rate: you keep <b>{n}</b> of {b} ({p}).":"Il-bonus tiegħek jiġi ntaxxat bl-ogħla rata: iżżomm <b>{n}</b> minn {b} ({p}).","Another child would lower your yearly tax by about <b>{s}</b>.":"Tifel ieħor inaqqas it-taxxa annwali tiegħek b’madwar <b>{s}</b>.","Under 26 in 2026: 0% income tax on the first 20,000 of taxable income.":"Taħt is-26 fl-2026: 0% taxxa fuq l-ewwel 20,000 ta’ dħul taxxabbli.","Aged 26–30 in 2026: the 10,000–20,000 band is taxed at 9% instead of 20%.":"Bejn 26 u 30 fl-2026: il-faxxa 10,000–20,000 tiġi ntaxxata 9% minflok 20%.","Moving your tax residence back to Greece after 5+ years abroad? Art. 5C would save about <b>{s}</b> a year for 7 years.":"Se terġa’ ġġib ir-residenza tat-taxxa lura l-Greċja wara 5+ snin barra? L-art. 5C jiffranka madwar <b>{s}</b> fis-sena għal 7 snin.","You are entitled to {n} paid school-visit days a year (4 per school-age child): see the Leave tab.":"Għandek dritt għal {n} jiem imħallsa fis-sena għal żjarat fl-iskola (4 għal kull tifel fl-età tal-iskola): ara t-tab Liv.","Converting 4% of your salary ({c} a year) into a company pension (bAV) saves about <b>{s}</b> in tax and social insurance, and your employer must add {e}.":"Jekk tibdel 4% tas-salarju ({c} fis-sena) f’pensjoni tal-kumpanija (bAV) tiffranka madwar <b>{s}</b> f’taxxa u assigurazzjoni soċjali, u l-prinċipal irid iżid {e}.","Paying the maximum deductible {c} a year into a pension fund saves about <b>{s}</b> of income tax.":"Jekk tpoġġi l-massimu ta’ {c} fis-sena f’fond tal-pensjoni tiffranka madwar <b>{s}</b> ta’ taxxa fuq id-dħul.","Paying {c} a year into a personal pension plan lowers your IRPF by about <b>{s}</b>.":"Jekk tpoġġi {c} fis-sena f’pjan tal-pensjoni personali, l-IRPF tiegħek jonqos b’madwar <b>{s}</b>.","A 5% salary-sacrifice pension contribution ({c} a year) saves about <b>{s}</b> in income tax and National Insurance.":"Kontribuzzjoni ta’ 5% għall-pensjoni b’salary sacrifice ({c} fis-sena) tiffranka madwar <b>{s}</b> f’taxxa u National Insurance.","Moving to Italy from abroad? The impatriati regime would add about <b>{s}</b> a year to your net pay for 5 years.":"Se tmur l-Italja minn barra? Ir-reġim impatriati jżid madwar <b>{s}</b> fis-sena mal-paga netta tiegħek għal 5 snin.","Moving to Spain from abroad? The Beckham law (flat 24%) would add about <b>{s}</b> a year to your net pay.":"Se tmur Spanja minn barra? Il-liġi Beckham (24% fissa) iżżid madwar <b>{s}</b> fis-sena mal-paga netta tiegħek.","At this salary the Beckham law (flat 24%) would not help: the normal scale is cheaper.":"B’dan is-salarju l-liġi Beckham (24% fissa) ma tgħinx: l-iskala normali hija irħas.","Church tax costs you <b>{s}</b> a year.":"It-taxxa tal-knisja tiswielek <b>{s}</b> fis-sena.","On top of your salary you receive Kindergeld of <b>{a}</b> a year.":"Barra s-salarju tirċievi Kindergeld ta’ <b>{a}</b> fis-sena.","Between £100,000 and £125,140 you lose your personal allowance, an effective 60% rate. A pension contribution through salary sacrifice can bring you back below £100,000.":"Bejn £100,000 u £125,140 titlef l-allowance personali, rata effettiva ta’ 60%. Kontribuzzjoni għall-pensjoni b’salary sacrifice tista’ terġa’ tniżżlek taħt £100,000.","Above £60,000 the High Income Child Benefit Charge claws back child benefit (all of it at £80,000).":"’Il fuq minn £60,000 il-High Income Child Benefit Charge jieħu lura l-child benefit (kollu f’£80,000).","Your region matters: compared with your current choice, Madrid would give you {m} and Catalonia {c} a year.":"Ir-reġjun tiegħek jgħodd: meta mqabbel mal-għażla attwali, Madrid tagħtik {m} u l-Katalonja {c} fis-sena.","Your marginal rate is unusually high here because a tax deduction is being phased out as income rises.":"Ir-rata marġinali tiegħek hija għolja b’mod mhux tas-soltu hawn għax tnaqqis tat-taxxa qed jitneħħa hekk kif jogħla d-dħul.","Enter your partner’s gross salary to see the household together.":"Daħħal is-salarju gross tas-sieħeb biex tara d-dar flimkien.","Assegno Unico per child / month":"Assegno Unico kull tifel / xahar","Partner":"Sieħeb","Household":"Dar","Net / month (÷12)":"Nett / xahar (÷12)","Child benefit / year":"Benefiċċju tat-tfal / sena","Childcare / year":"Childcare / sena","Household money / month":"Flus tad-dar / xahar","Child benefit (Α21) uses the combined family income.":"Il-benefiċċju tat-tfal (Α21) juża d-dħul flimkien tal-familja.","Assegno Unico depends on your ISEE: from 58.50 to 204.40 per child per month in 2026. Enter yours.":"L-Assegno Unico jiddependi mill-ISEE tiegħek: minn 58.50 sa 204.40 kull tifel fix-xahar fl-2026. Daħħal tiegħek.","Spain has no universal child benefit; family relief comes through IRPF allowances.":"Spanja m’għandhiex benefiċċju universali tat-tfal; l-għajnuna lill-familji tingħata permezz tal-allowances tal-IRPF.","Child benefit £27.05 a week for the first child and £17.90 for each other child (2026/27), reduced above £60,000 for the higher earner.":"Child benefit £27.05 fil-ġimgħa għall-ewwel tifel u £17.90 għal kull tifel ieħor (2026/27), imnaqqas ’il fuq minn £60,000 għal min jaqla’ l-aktar.","Kindergeld €259 per child per month (2026).":"Kindergeld €259 kull tifel fix-xahar (2026).","Tax classes for married couples":"Klassijiet tat-taxxa għall-miżżewġin","Classes IV / IV: household net per month":"Klassijiet IV / IV: nett tad-dar fix-xahar","Classes III / V: household net per month":"Klassijiet III / V: nett tad-dar fix-xahar","Final yearly tax with joint filing (splitting)":"Taxxa annwali finali b’dikjarazzjoni konġunta (splitting)","Tax if each of you were assessed alone":"Taxxa kieku kull wieħed minnkom jiġi vvalutat waħdu","III/V or IV/IV only changes how much is withheld each month; the tax return settles both to the same joint tax. Splitting saves {s} a year compared with being taxed individually. The class V figure is an approximation.":"III/V jew IV/IV ibiddlu biss kemm tinżamm kull xahar; id-dikjarazzjoni ġġib it-tnejn għall-istess taxxa konġunta. Is-splitting jiffranka {s} fis-sena meta mqabbel mat-taxxa individwali. Iċ-ċifra tal-klassi V hija approssimazzjoni.","Two years of your salary":"Sentejn tas-salarju tiegħek","Your salary in both years, in the same money":"Is-salarju tiegħek fiż-żewġ snin, fl-istess flus","Key takeaways":"Punti ewlenin","What you needed to earn each year to keep up with prices":"Kemm kellek bżonn taqla’ kull sena biex iżżomm mal-prezzijiet","The numbers":"In-numri","Same money, different countries: where purchasing power fell most":"L-istess flus, pajjiżi differenti: fejn waqa’ l-aktar il-poter tax-xiri","Enter your gross monthly salary in a recent year and in an earlier year (up to 20 years before). Prices are the national consumer price index of the country selected above.":"Daħħal is-salarju gross fix-xahar f’sena reċenti u f’sena qabel (sa 20 sena qabel). Il-prezzijiet huma l-indiċi nazzjonali tal-prezzijiet tal-konsumatur tal-pajjiż magħżul hawn fuq.","Recent year":"Sena reċenti","Gross / month in the recent year":"Gross / xahar fis-sena reċenti","Earlier year (up to 20 years before)":"Sena qabel (sa 20 sena qabel)","Gross / month in the earlier year":"Gross / xahar fis-sena ta’ qabel","Amount to compare (in each country’s currency)":"Ammont biex tqabbel (fil-munita ta’ kull pajjiż)","Purchasing power {a} → {b} · {c}":"Poter tax-xiri {a} → {b} · {c}","Your net pay buys {p} more than in {a}":"Il-paga netta tiegħek tixtri {p} aktar milli fl-{a}","Your net pay buys {p} less than in {a}":"Il-paga netta tiegħek tixtri {p} inqas milli fl-{a}","Your gross pay buys {p} more than in {a}":"Il-paga gross tiegħek tixtri {p} aktar milli fl-{a}","Your gross pay buys {p} less than in {a}":"Il-paga gross tiegħek tixtri {p} inqas milli fl-{a}","Prices":"Prezzijiet","{x} in {a} = {y} in {b}":"{x} fl-{a} = {y} fl-{b}","Your pay, nominal":"Il-paga tiegħek, nominali","{x} → {y} gross / month":"{x} → {y} gross / xahar","Your {a} salary in {b} money":"Is-salarju tiegħek tal-{a} fi flus tal-{b}","gross / month you need to keep up":"gross / xahar li għandek bżonn biex iżżomm","Gross needed for the same real net":"Gross meħtieġ għall-istess nett reali","per month in {b}, to take home as much as in {a}":"fix-xahar fl-{b}, biex tieħu d-dar daqs fl-{a}","Gap per month":"Differenza fix-xahar","{y} a year":"{y} fis-sena","{a} as paid":"{a} kif imħallas","{a} in {b} money":"{a} fi flus tal-{b}","Net / month (regular salary)":"Nett / xahar (salarju normali)","Kept after tax and contributions":"Miżmum wara t-taxxa u l-kontribuzzjonijiet","Real change":"Tibdil reali","Salary needed to keep your {a} purchasing power":"Salarju meħtieġ biex iżżomm il-poter tax-xiri tal-{a}","Your salary ({a} and {b})":"Is-salarju tiegħek ({a} u {b})","Prices in {c} rose <b>{p}</b> between {a} and {b}: what cost {x} in {a} cost {y} in {b}.":"Il-prezzijiet fi {c} għolew <b>{p}</b> bejn {a} u {b}: dak li kien jiswa {x} fl-{a} sewa {y} fl-{b}.","Your gross pay changed by {s} while prices rose {p}: in real terms you earn <b>{r} more</b>.":"Il-paga gross tiegħek inbidlet b’{s} waqt li l-prezzijiet għolew {p}: f’termini reali taqla’ <b>{r} aktar</b>.","Your gross pay changed by {s} while prices rose {p}: in real terms you earn <b>{r} less</b>, like a pay cut of {m} a month in {b} money.":"Il-paga gross tiegħek inbidlet b’{s} waqt li l-prezzijiet għolew {p}: f’termini reali taqla’ <b>{r} inqas</b>, bħal tnaqqis ta’ {m} fix-xahar fi flus tal-{b}.","Tax and EFKA: you kept {k1} of your gross in {a} and {k2} in {b}, so your real net pay changed by <b>{rn}</b> (gross: {rg}).":"Taxxa u EFKA: żammejt {k1} tal-gross fl-{a} u {k2} fl-{b}, għalhekk il-paga netta reali tiegħek inbidlet b’<b>{rn}</b> (gross: {rg}).","To take home the same real net pay as in {a}, you would need <b>{g}</b> gross a month in {b}; you earn {d} more than that.":"Biex tieħu d-dar l-istess paga netta reali bħal fl-{a}, ikollok bżonn <b>{g}</b> gross fix-xahar fl-{b}; taqla’ {d} aktar minn hekk.","To take home the same real net pay as in {a}, you would need <b>{g}</b> gross a month in {b}; you earn {d} less than that.":"Biex tieħu d-dar l-istess paga netta reali bħal fl-{a}, ikollok bżonn <b>{g}</b> gross fix-xahar fl-{b}; taqla’ {d} inqas minn hekk.","<b>{m} months</b> of work in {b} buy what a full year of work bought in {a}.":"<b>{m} xhur</b> xogħol fl-{b} jixtru dak li sena sħiħa xogħol xtrat fl-{a}.","The biggest yearly price rise in this period was {v} in {y}; prices fell in {n} of the years.":"L-akbar żieda annwali fil-prezzijiet f’dan il-perjodu kienet {v} fl-{y}; il-prezzijiet niżlu f’{n} mis-snin.","The biggest yearly price rise in this period was {v} in {y}.":"L-akbar żieda annwali fil-prezzijiet f’dan il-perjodu kienet {v} fl-{y}.","Average inflation was {v} a year; at that pace prices double every {d} years.":"L-inflazzjoni medja kienet {v} fis-sena; b’dan ir-ritmu l-prezzijiet jirdoppjaw kull {d} snin.","Type your gross salary for {a}. Until you do, the earlier salary is the one that would have kept the same purchasing power ({v}), so the result shows no change.":"Ikteb is-salarju gross tiegħek għall-{a}. Sakemm tagħmel dan, is-salarju ta’ qabel huwa dak li kien iżomm l-istess poter tax-xiri ({v}), għalhekk ir-riżultat ma juri l-ebda tibdil.","Net pay over time is calculated only for Greece, where the app holds the tax and EFKA rules of every year since 2006. For {c} this comparison uses gross pay.":"Il-paga netta matul iż-żmien tinħadem biss għall-Greċja, fejn l-app għandha r-regoli tat-taxxa u tal-EFKA ta’ kull sena mill-2006. Għal {c} dan il-paragun juża l-paga gross.","The same amount of money in {a} and in {b}, in each country’s own currency (pounds for the UK). The only difference is local inflation: the higher it was, the more purchasing power savings and frozen salaries lost.":"L-istess ammont fl-{a} u fl-{b}, fil-munita ta’ kull pajjiż (sterlini għar-Renju Unit). L-unika differenza hija l-inflazzjoni lokali: aktar ma kienet għolja, aktar poter tax-xiri tilfu l-iffrankar u s-salarji ffriżati.","Biggest loss of purchasing power":"L-akbar telf ta’ poter tax-xiri","Smallest loss":"L-iżgħar telf","{v} of the value gone":"{v} tal-valur mitluf","{c}: rank":"{c}: post","{n} of 5":"{n} minn 5","1 = biggest loss":"1 = l-akbar telf","Purchasing power lost, {a} → {b}":"Poter tax-xiri mitluf, {a} → {b}","What money from {a} is worth over time (% of what it bought in {a})":"X’jiswew il-flus tal-{a} maż-żmien (% ta’ dak li xtraw fl-{a})","Prices {a} → {b}":"Prezzijiet {a} → {b}","{x} in {a} = in {b}":"{x} fl-{a} = fl-{b}","{x} kept since {a} is worth":"{x} miżmuma mill-{a} jiswew","Purchasing power lost":"Poter tax-xiri mitluf","Average inflation / year":"Inflazzjoni medja / sena","Highest year":"L-ogħla sena","Purchasing power fell most in <b>{c1}</b>: {x} kept since {a} buys only what {v1} bought then. It fell least in <b>{c2}</b> ({v2}).":"Il-poter tax-xiri waqa’ l-aktar fi <b>{c1}</b>: {x} miżmuma mill-{a} jixtru biss dak li kienu jixtru {v1} dakinhar. Waqa’ l-inqas fi <b>{c2}</b> ({v2}).","Inflation: annual average of the national consumer price index. ELSTAT (Greece, editable in the Assumptions table of the Salary tab), Destatis VPI (Germany), ISTAT NIC (Italy), INE IPC (Spain), ONS CPI (UK). 2026 is an estimate from data to August and the European Commission spring 2026 and Bank of England August 2026 forecasts. Checked October 2026.":"Inflazzjoni: medja annwali tal-indiċi nazzjonali tal-prezzijiet tal-konsumatur. ELSTAT (Greċja, editjabbli fit-tabella tas-Suppożizzjonijiet tat-tab Salarju), Destatis VPI (Ġermanja), ISTAT NIC (Italja), INE IPC (Spanja), ONS CPI (Renju Unit). L-2026 hija stima mid-data sa Awwissu u t-tbassir tar-rebbiegħa 2026 tal-Kummissjoni Ewropea u ta’ Awwissu 2026 tal-Bank of England. Iċċekkjat f’Ottubru 2026.","The average salary in each country: what it really buys":"Is-salarju medju f’kull pajjiż: x’jixtri verament","Average gross salary per full-time employee, as paid in each country, and its purchasing power: converted with purchasing power parities into the same basket of goods, so a higher number really buys more. Years follow your choice above (OECD data go up to {l}).":"Salarju gross medju għal kull impjegat full-time, kif imħallas f’kull pajjiż, u l-poter tax-xiri tiegħu: mibdul b’paritajiet tal-poter tax-xiri fl-istess basket ta’ oġġetti, għalhekk numru ogħla verament jixtri aktar. Is-snin isegwu l-għażla tiegħek hawn fuq (data tal-OECD sa {l}).","Highest purchasing power, {y}":"L-ogħla poter tax-xiri, {y}","Lowest purchasing power, {y}":"L-inqas poter tax-xiri, {y}","buys {x}× the average salary in {c}":"jixtri {x}× is-salarju medju fi {c}","{v} in purchasing power a year":"{v} f’poter tax-xiri fis-sena","Biggest real gain, {a} → {b}":"L-akbar qligħ reali, {a} → {b}","Biggest real fall, {a} → {b}":"L-akbar waqgħa reali, {a} → {b}","Smallest real gain, {a} → {b}":"L-iżgħar qligħ reali, {a} → {b}","Purchasing power of the average salary, {a}–{b}":"Poter tax-xiri tas-salarju medju, {a}–{b}","Average salary in {y}, in purchasing power (Greece = 100)":"Salarju medju fl-{y}, f’poter tax-xiri (Greċja = 100)","Purchasing power (2025 PPP dollars)":"Poter tax-xiri (dollari PPP tal-2025)","Index, Greece = 100":"Indiċi, Greċja = 100","Average salary {y} (as paid)":"Salarju medju {y} (kif imħallas)","Per month {y} (÷12)":"Fix-xahar {y} (÷12)","Change as paid":"Tibdil kif imħallas","Real change (after inflation)":"Tibdil reali (wara l-inflazzjoni)","Purchasing power {y}":"Poter tax-xiri {y}","Greece = 100":"Greċja = 100","Rank":"Post","With the average salary, purchasing power in {y} was highest in <b>{c1}</b> and lowest in <b>{c2}</b>: the average salary in {c1} buys <b>{x}×</b> what the average salary in {c2} buys.":"Bis-salarju medju, il-poter tax-xiri fl-{y} kien l-ogħla fi <b>{c1}</b> u l-inqas fi <b>{c2}</b>: is-salarju medju fi {c1} jixtri <b>{x}×</b> dak li jixtri s-salarju medju fi {c2}.","From {a} to {b} its purchasing power rose most in <b>{c3}</b> ({r3}) and least in <b>{c4}</b> ({r4}).":"Mill-{a} sal-{b} il-poter tax-xiri tiegħu għola l-aktar fi <b>{c3}</b> ({r3}) u l-inqas fi <b>{c4}</b> ({r4}).","From {a} to {b} its purchasing power rose most in <b>{c3}</b> ({r3}) and fell most in <b>{c4}</b> ({r4}).":"Mill-{a} sal-{b} il-poter tax-xiri tiegħu għola l-aktar fi <b>{c3}</b> ({r3}) u waqa’ l-aktar fi <b>{c4}</b> ({r4}).","From {a} to {b} its purchasing power fell least in <b>{c3}</b> ({r3}) and most in <b>{c4}</b> ({r4}).":"Mill-{a} sal-{b} il-poter tax-xiri tiegħu waqa’ l-inqas fi <b>{c3}</b> ({r3}) u l-aktar fi <b>{c4}</b> ({r4}).","Your gross salary of {v} a year is <b>{p}</b> of the average salary in {c} ({a}, {y}).":"Is-salarju gross tiegħek ta’ {v} fis-sena huwa <b>{p}</b> tas-salarju medju fi {c} ({a}, {y}).","{y} has no OECD figure yet, so {l} is used for the recent year.":"{y} għad m’għandhiex ċifra tal-OECD, għalhekk {l} tintuża għas-sena reċenti.","Source: OECD, Average annual wages (AV_AN_WAGE, 2025 release): gross wage per full-time equivalent employee in the whole economy. Purchasing power uses OECD constant 2025 prices and 2025 US dollar purchasing power parities, which remove price-level differences between countries. Real change uses constant national prices. As paid is in each country’s own currency (pounds for the UK). These are averages, which are pulled up by high earners; the typical (median) worker earns less.":"Sors: OECD, salarji medji annwali (AV_AN_WAGE, edizzjoni 2025): paga gross għal kull impjegat ekwivalenti full-time fl-ekonomija kollha. Il-poter tax-xiri juża prezzijiet kostanti tal-OECD tal-2025 u paritajiet tal-poter tax-xiri f’dollari Amerikani tal-2025, li jneħħu d-differenzi fil-livell tal-prezzijiet bejn il-pajjiżi. It-tibdil reali juża prezzijiet nazzjonali kostanti. Kif imħallas huwa fil-munita ta’ kull pajjiż (sterlini għar-Renju Unit). Dawn huma medji, li jitilgħu minħabba dawk li jaqilgħu ħafna; il-ħaddiem tipiku (medjan) jaqla’ inqas.","Housing (rent or mortgage)":"Akkomodazzjoni (kera jew self)","Food and groceries":"Ikel u grocery","Transport and car":"Trasport u karozza","Bills (power, water, phone, internet)":"Kontijiet (dawl, ilma, telefon, internet)","Children and school":"Tfal u skola","Leisure and eating out":"Divertiment u ikel barra","Loan repayments (not the home)":"Ħlasijiet ta’ self (mhux id-dar)","Other":"Oħrajn","Vacations (per year)":"Vaganzi (fis-sena)","Financial planner":"Pjanifikatur finanzjarju","Your money":"Il-flus tiegħek","Monthly expenses (net amounts)":"Spejjeż fix-xahar (ammonti netti)","Financial health":"Saħħa finanzjarja","When could you stop working?":"Meta tista’ tieqaf taħdem?","Your savings over the years":"L-iffrankar tiegħek matul is-snin","Where you could spend less":"Fejn tista’ tonfoq inqas","More ideas for you":"Aktar ideat għalik","Amounts in today’s money. The planner uses the country, children and pension settings of the other tabs, and the state pension rules of the selected country.":"Ammonti fi flus tal-lum. Il-pjanifikatur juża l-issettjar tal-pajjiż, tat-tfal u tal-pensjoni tat-tabs l-oħra, u r-regoli tal-pensjoni statali tal-pajjiż magħżul.","Gross / month now":"Gross / xahar issa","Years worked so far":"Snin maħduma s’issa","Average gross / month so far":"Gross medju / xahar s’issa","Savings and deposits now":"Iffrankar u depożiti issa","Return on savings above inflation (% / year)":"Rendiment fuq l-iffrankar ’il fuq mill-inflazzjoni (% / sena)","Real pay rise (% / year)":"Żieda reali fil-paga (% / sena)","Plan until age":"Ippjana sal-età ta’","Show the benefit of spending less over (years)":"Uri l-benefiċċju li tonfoq inqas fuq (snin)","Test: I want to stop working at age":"Test: irrid nieqaf naħdem fl-età ta’","Earliest age you could stop working · {c}":"L-ewwel età li fiha tista’ tieqaf taħdem · {c}","with your current spending, keeping enough money until age {p}":"bin-nefqa attwali tiegħek, b’biżżejjed flus sal-età ta’ {p}","not before 75 with your current spending; see the ideas below":"mhux qabel il-75 bin-nefqa attwali; ara l-ideat hawn taħt","Not before 75":"Mhux qabel il-75","Net income / month":"Dħul nett / xahar","average of the year, incl. extra salaries":"medja tas-sena, inklużi salarji żejda","Spending / month":"Nefqa / xahar","vacations spread over 12 months":"vaganzi mifruxa fuq 12-il xahar","Saved / month":"Iffrankat / xahar","{p} of your net income":"{p} tad-dħul nett tiegħek","With smarter spending":"B’nefqa aktar għaqlija","earliest stop age if you cut the categories below":"l-ewwel età biex tieqaf jekk tnaqqas il-kategoriji hawn taħt","age {a}":"età {a}","now":"issa","Strong":"Qawwija","Healthy":"F’saħħitha","Watch":"Attenzjoni","Weak":"Dgħajfa","Overall score":"Punteġġ ġenerali","Income":"Dħul","Your net income is {r}× your spending.":"Id-dħul nett tiegħek huwa {r}× in-nefqa tiegħek.","Savings rate":"Rata ta’ ffrankar","You save {p} of your net income (aim for 15–20%).":"Tiffranka {p} tad-dħul nett tiegħek (immira għal 15–20%).","Debt":"Dejn","Loan repayments take {p} of your net income (keep it under 10–15%).":"Il-ħlasijiet tas-self jieħdu {p} tad-dħul nett tiegħek (żommhom taħt l-10–15%).","No loan repayments besides your home.":"L-ebda ħlas ta’ self ħlief id-dar.","Housing":"Akkomodazzjoni","Housing takes {p} of your net income (healthy up to about 28%).":"L-akkomodazzjoni tieħu {p} tad-dħul nett tiegħek (f’saħħitha sa madwar 28%).","Emergency fund":"Fond ta’ emerġenza","Your savings cover {m} months of spending (aim for 3–6).":"L-iffrankar tiegħek ikopri {m} xhur ta’ nefqa (immira għal 3–6).","Retirement":"Irtirar","You could stop at {a}; the full state pension starts at {f}.":"Tista’ tieqaf fl-età ta’ {a}; il-pensjoni statali sħiħa tibda fl-età ta’ {f}.","At this pace you would need to keep working past 75.":"B’dan ir-ritmu jkollok tibqa’ taħdem wara l-75.","Earliest stop, current habits":"L-ewwel waqfa, drawwiet attwali","Earliest stop, smarter spending":"L-ewwel waqfa, nefqa aktar għaqlija","If you stop working today":"Jekk tieqaf taħdem illum","Your test: stop at {a}":"It-test tiegħek: ieqaf fl-età ta’ {a}","State pension from {a}: {v} net / month":"Pensjoni statali mill-età ta’ {a}: {v} nett / xahar","No state pension: fewer than the minimum years of contributions":"L-ebda pensjoni statali: inqas mis-snin minimi ta’ kontribuzzjonijiet","Money left at {p}: {v}":"Flus li jibqgħu fl-età ta’ {p}: {v}","Your savings last <b>1 year</b> (until age {a})":"L-iffrankar tiegħek idum <b>sena</b> (sal-età ta’ {a})","Your savings last <b>{n} years</b> (until age {a})":"L-iffrankar tiegħek idum <b>{n} snin</b> (sal-età ta’ {a})","Your savings and pension cover you <b>for life</b> (to {p})":"L-iffrankar u l-pensjoni jkopruk <b>għal għomrok</b> (sa {p})","<b>Works</b>: your money lasts until {p}":"<b>Jaħdem</b>: il-flus jdumu sa {p}","<b>Not enough</b>: money runs out at {a}. Save {m} more a month until then, or spend less.":"<b>Mhux biżżejjed</b>: il-flus jispiċċaw fl-età ta’ {a}. Iffranka {m} aktar fix-xahar sa dakinhar, jew onfoq inqas.","Type an age in the Test box to check a stop age of your own.":"Ikteb età fil-kaxxa Test biex tiċċekkja età tiegħek biex tieqaf.","Current habits (stop at {a})":"Drawwiet attwali (ieqaf fl-età ta’ {a})","Smarter spending (stop at {a})":"Nefqa aktar għaqlija (ieqaf fl-età ta’ {a})","Your test (stop at {a})":"It-test tiegħek (ieqaf fl-età ta’ {a})","Keep working until the state pension ({a})":"Ibqa’ aħdem sal-pensjoni statali ({a})","Category":"Kategorija","You spend / month":"Tonfoq / xahar","% of net income":"% tad-dħul nett","Suggested ceiling":"Limitu ssuġġerit","Possible saving / month":"Iffrankar possibbli / xahar","Over {n} years (with return)":"Fuq {n} snin (bir-rendiment)","within":"fil-limitu","Suggested ceilings are common budgeting guidelines as a share of net income (in the spirit of the 50/30/20 rule: about half for needs, up to 30% for wants, at least 20% saved). Children: 6% per child, up to 18%. Cutting every category above its ceiling saves {m} a month: <b>{x}</b> after {n} years at your return, and you could stop working at <b>{a}</b> instead of {b}.":"Il-limiti ssuġġeriti huma linji gwida komuni tal-baġit bħala sehem tad-dħul nett (fl-ispirtu tar-regola 50/30/20: madwar nofs għall-bżonnijiet, sa 30% għax-xewqat, mill-inqas 20% iffrankat). Tfal: 6% kull tifel, sa 18%. Jekk tnaqqas kull kategorija ’l fuq mil-limitu tiffranka {m} fix-xahar: <b>{x}</b> wara {n} snin bir-rendiment tiegħek, u tista’ tieqaf taħdem fl-età ta’ <b>{a}</b> minflok {b}.","All your categories are within the suggested ceilings. Well done.":"Il-kategoriji kollha tiegħek huma fil-limiti ssuġġeriti. Prosit.","<b>Target to stop today:</b> you would need about {v} in savings; you have {p} of it.":"<b>Mira biex tieqaf illum:</b> ikollok bżonn madwar {v} f’iffrankar; għandek {p} minnhom.","<b>Each {h} a month</b> you save from now on adds {v} by age {a} and moves your stop age to {s}.":"<b>Kull {h} fix-xahar</b> li tiffranka minn issa jżid {v} sal-età ta’ {a} u jressaq l-età tal-waqfa għal {s}.","<b>Each {h} a month</b> you save from now on adds {v} by age {a}.":"<b>Kull {h} fix-xahar</b> li tiffranka minn issa jżid {v} sal-età ta’ {a}.","<b>Return matters:</b> earning 1 point more on your savings would let you stop at {s}.":"<b>Ir-rendiment jgħodd:</b> punt aktar fuq l-iffrankar iħallik tieqaf fl-età ta’ {s}.","<b>Pension gap:</b> your state pension covers {p} of your spending; the rest must come from savings.":"<b>Vojt fil-pensjoni:</b> il-pensjoni statali tkopri {p} tan-nefqa tiegħek; il-bqija trid tiġi mill-iffrankar.","<b>Spending less in retirement:</b> many people spend 20–30% less once work costs, loans and children stop. With 20% less after you stop, you could stop at {s}.":"<b>Tonfoq inqas fl-irtirar:</b> ħafna nies jonfqu 20–30% inqas meta jispiċċaw l-ispejjeż tax-xogħol, is-self u t-tfal. B’20% inqas wara li tieqaf, tista’ tieqaf fl-età ta’ {s}.","<b>Spending more than you earn:</b> you are using {v} of savings a month. Fix this first; nothing else works until it is positive.":"<b>Tonfoq aktar milli taqla’:</b> qed tuża {v} mill-iffrankar fix-xahar. Irranġa dan l-ewwel; xejn ieħor ma jaħdem sakemm ma jkunx pożittiv.","How it works: each year, savings grow at your real return, plus your net pay minus spending while you work; after you stop, spending is paid from savings and, once it starts, from the full state pension (claimed at the first age with no reduction, based on the years worked until you stop). Everything is in today’s money, with today’s tax and pension rules. Private pensions, property, inheritance and taxes on investment returns are not included. This is a planning estimate, not financial advice.":"Kif jaħdem: kull sena l-iffrankar jikber bir-rendiment reali tiegħek, flimkien mal-paga netta nieqes in-nefqa waqt li taħdem; wara li tieqaf, in-nefqa titħallas mill-iffrankar u, meta tibda, mill-pensjoni statali sħiħa (mitluba fl-ewwel età mingħajr tnaqqis, ibbażata fuq is-snin maħduma sakemm tieqaf). Kollox fi flus tal-lum, bir-regoli tal-lum tat-taxxa u tal-pensjoni. Pensjonijiet privati, proprjetà, wirt u taxxi fuq ir-rendimenti tal-investiment mhumiex inklużi. Din hija stima tal-ippjanar, mhux parir finanzjarju.","Empty fields use what you entered in the Salary and Pension tabs (shown greyed); type a value to override it.":"Oqsma vojta jużaw dak li daħħalt fit-tabs Salarju u Pensjoni (murija bil-griż); ikteb valur biex tibdlu.","Typical rent in your area (optional)":"Kera tipika fiż-żona tiegħek (mhux obbligatorju)","Spending falls from age":"In-nefqa tonqos mill-età ta’","…and again from age":"…u mill-ġdid mill-età ta’","by (per month, today’s money)":"b’ (fix-xahar, flus tal-lum)","your local rent":"il-kera lokali tiegħek","<b>Lower spending later:</b> from age {a} your spending falls by {v} a month in today’s money ({p} of today’s spending). This is included in all the results above.":"<b>Nefqa aktar baxxa wara:</b> mill-età ta’ {a} in-nefqa tiegħek tonqos b’{v} fix-xahar fi flus tal-lum ({p} tan-nefqa tal-lum). Dan huwa inkluż fir-riżultati kollha hawn fuq.","<b>How the ceilings work:</b> for needs (housing, food, transport, bills) the ceiling is the higher of the typical cost in your country and a share of your income (housing 28%, food 14%, transport 10%, bills 7%), so you are never asked to spend less than a typical household. Typical costs come only from open official statistics: Eurostat household budget survey (average spending on food, utilities, phone/internet and transport; rent paid by households renting at market price, using the EU-SILC share of renters), updated to 2026 with the price index of each category; for the UK, the ONS average private rent (August 2026) and ONS inflation. They are scaled to your household ({a} adult(s), {k} child(ren)) with the OECD equivalence scale; housing and utilities are scaled half as much because they have strong economies of scale. National averages include older, cheaper contracts: if rents where you live are higher, type the typical rent of your area. Wants (leisure 45%, vacations 35%, other 20%) share what is left after needs, loan repayments and a 10% saving, up to 30% of income; what you do not use in one goes to the others.":"<b>Kif jaħdmu l-limiti:</b> għall-bżonnijiet (akkomodazzjoni, ikel, trasport, kontijiet) il-limitu huwa l-ogħla bejn l-ispiża tipika f’pajjiżek u sehem tad-dħul tiegħek (akkomodazzjoni 28%, ikel 14%, trasport 10%, kontijiet 7%), għalhekk qatt ma jintalabek tonfoq inqas minn dar tipika. L-ispejjeż tipiċi ġejjin biss minn statistika uffiċjali miftuħa: l-istħarriġ tal-Eurostat dwar il-baġit tad-djar (nefqa medja fuq ikel, utilitajiet, telefon/internet u trasport; kera mħallsa minn djar li jikru bil-prezz tas-suq, bis-sehem tal-kerrejja tal-EU-SILC), aġġornata għall-2026 bl-indiċi tal-prezzijiet ta’ kull kategorija; għar-Renju Unit, il-kera privata medja tal-ONS (Awwissu 2026) u l-inflazzjoni tal-ONS. Huma aġġustati għad-dar tiegħek ({a} adult(i), {k} tifel/tfal) bl-iskala ta’ ekwivalenza tal-OECD; l-akkomodazzjoni u l-utilitajiet jiġu aġġustati bin-nofs għax għandhom ekonomiji ta’ skala qawwija. Il-medji nazzjonali jinkludu kuntratti eqdem u irħas: jekk il-kirjiet fejn tgħix huma ogħla, ikteb il-kera tipika taż-żona tiegħek. Ix-xewqat (divertiment 45%, vaganzi 35%, oħrajn 20%) jaqsmu dak li jibqa’ wara l-bżonnijiet, il-ħlasijiet tas-self u ffrankar ta’ 10%, sa 30% tad-dħul; dak li ma tużax f’waħda jmur għall-oħrajn.","Typical cost ({c})":"Spiża tipika ({c})","{p} of net income":"{p} tad-dħul nett","typical cost in {c}":"spiża tipika fi {c}","{p} of your income":"{p} tad-dħul tiegħek","6% of income per child":"6% tad-dħul kull tifel","10% of income (debt limit)":"10% tad-dħul (limitu tad-dejn)","share of what is left":"sehem minn dak li jibqa’","<b>Money for wants:</b> after needs, loan repayments and saving 10%, you have <b>{w}</b> a month for leisure, vacations and other spending.":"<b>Flus għax-xewqat:</b> wara l-bżonnijiet, il-ħlasijiet tas-self u ffrankar ta’ 10%, għandek <b>{w}</b> fix-xahar għad-divertiment, il-vaganzi u nefqa oħra.","<b>Money for wants:</b> after needs, loan repayments and saving 10%, nothing is left, so the ceilings for leisure, vacations and other spending are 0.":"<b>Flus għax-xewqat:</b> wara l-bżonnijiet, il-ħlasijiet tas-self u ffrankar ta’ 10%, ma jibqa’ xejn, għalhekk il-limiti għad-divertiment, il-vaganzi u nefqa oħra huma 0.","Cutting every category above its ceiling saves {m} a month: <b>{x}</b> after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"Jekk tnaqqas kull kategorija ’l fuq mil-limitu tiffranka {m} fix-xahar: <b>{x}</b> wara {n} snin, u tista’ tieqaf taħdem fl-età ta’ <b>{s2}</b> minflok {s1}.","My salary is":"Is-salarju tiegħi huwa","Gross (before tax)":"Gross (qabel it-taxxa)","Net (what I receive, payslip)":"Nett (dak li nirċievi, payslip)","Net / month now (payslip)":"Nett / xahar issa (payslip)","Return on savings (% / year)":"Rendiment fuq l-iffrankar (% / sena)","Expected inflation (% / year)":"Inflazzjoni mistennija (% / sena)","Pay rise (% / year)":"Żieda fil-paga (% / sena)","Future money (with inflation)":"Flus futuri (bl-inflazzjoni)","Today’s money":"Flus tal-lum","Expenses are in today’s money; every year they rise with inflation, also after you stop working, and so does the state pension. Your pay rises by the pay rise you enter and savings earn the return you enter. The planner uses the country, children and pension settings of the other tabs.":"L-ispejjeż huma fi flus tal-lum; kull sena jogħlew bl-inflazzjoni, anke wara li tieqaf taħdem, u l-pensjoni statali wkoll. Il-paga tiegħek togħla biż-żieda li ddaħħal u l-iffrankar jaqla’ r-rendiment li ddaħħal. Il-pjanifikatur juża l-issettjar tal-pajjiż, tat-tfal u tal-pensjoni tat-tabs l-oħra.","from your net salary; ≈ {g} gross / month":"mis-salarju nett tiegħek; ≈ {g} gross / xahar","Money left at {p}: {v} ({r} in today’s money)":"Flus li jibqgħu fl-età ta’ {p}: {v} ({r} fi flus tal-lum)","How it works: each year your savings earn the return you enter. While you work you add your net pay (rising by your pay rise) and pay your expenses (rising with inflation). After you stop, expenses keep rising with inflation and are paid from savings and, once it starts, from the full state pension, which also rises with inflation (claimed at the first age with no reduction, based on the years worked until you stop). If your pay rises faster than inflation, your pension is higher too. A return equal to inflation means your savings only keep their value. Today’s tax and pension rules; private pensions, property, inheritance and taxes on investment returns are not included. This is a planning estimate, not financial advice.":"Kif jaħdem: kull sena l-iffrankar jaqla’ r-rendiment li ddaħħal. Waqt li taħdem iżżid il-paga netta (li togħla biż-żieda tiegħek) u tħallas l-ispejjeż (li jogħlew bl-inflazzjoni). Wara li tieqaf, l-ispejjeż jibqgħu jogħlew bl-inflazzjoni u jitħallsu mill-iffrankar u, meta tibda, mill-pensjoni statali sħiħa, li togħla wkoll bl-inflazzjoni (mitluba fl-ewwel età mingħajr tnaqqis, ibbażata fuq is-snin maħduma sakemm tieqaf). Jekk il-paga togħla aktar mill-inflazzjoni, il-pensjoni tkun ogħla wkoll. Rendiment ugwali għall-inflazzjoni jfisser li l-iffrankar iżomm biss il-valur tiegħu. Regoli tal-lum tat-taxxa u tal-pensjoni; pensjonijiet privati, proprjetà, wirt u taxxi fuq ir-rendimenti tal-investiment mhumiex inklużi. Din hija stima tal-ippjanar, mhux parir finanzjarju.","purchasing power, in Greek euros":"poter tax-xiri, f’ewro Griegi","nominal EUR":"EUR nominali","Worked example: what the same salary really buys":"Eżempju: x’jixtri verament l-istess salarju","Greece is the reference: there you keep {gr} a year.":"Il-Greċja hija r-referenza: hemm iżżomm {gr} fis-sena.","<b>{c}</b>: you keep {net}{fx}, {d} than in Greece. Prices are {pd} (price level {pl} vs {pgr}), so this buys what <b>{pp}</b> buys in Greece: {ppd} purchasing power.":"<b>{c}</b>: iżżomm {net}{fx}, {d} milli fil-Greċja. Il-prezzijiet huma {pd} (livell tal-prezzijiet {pl} kontra {pgr}), għalhekk dan jixtri dak li jixtru <b>{pp}</b> fil-Greċja: {ppd} poter tax-xiri."," (= {eur} at {rate} £ per €)":" (= {eur} b’{rate} £ għal kull €)"," (= {eur} at {rate} per €)":" (= {eur} b’{rate} għal kull €)","{x} more":"{x} aktar","{x} less":"{x} inqas","{x} higher":"{x} ogħla","{x} lower":"{x} aktar baxxi","Bottom line: on this salary {best} gives the most purchasing power and {worst} the least.":"Fil-qosor: b’dan is-salarju {best} jagħti l-akbar poter tax-xiri u {worst} l-inqas.","Highest purchasing power":"L-ogħla poter tax-xiri"," / year in Greek euros":" / sena f’ewro Griegi","Gross used":"Gross użat","per year in every country":"fis-sena f’kull pajjiż","Cheapest country":"L-irħas pajjiż","price level ":"livell tal-prezzijiet","Annual pay split by country":"Paga annwali maqsuma skont il-pajjiż","Net / payment":"Nett / ħlas","Net in EUR":"Nett f’EUR","Price level":"Livell tal-prezzijiet","Purchasing power (Greek €)":"Poter tax-xiri (€ Griegi)","Employer cost (EUR)":"Spiża tal-prinċipal (EUR)","Gross for same buying power as Greece":"Gross għall-istess poter tax-xiri bħall-Greċja","Highest pension (buying power)":"L-ogħla pensjoni (poter tax-xiri)"," / month in Greek euros":" / xahar f’ewro Griegi","at age ":"fl-età ta’","Career assumed":"Karriera meqjusa","Pensions side by side":"Pensjonijiet ħdejn xulxin","Payments":"Ħlasijiet","Buying power / month (Greek €)":"Poter tax-xiri / xahar (€ Griegi)","age ":"età","Same career in every country: the gross salary on the left converted at each country’s usual number of payments, past years at the chosen % of today’s pay. \"Earliest full-pension age\" is the first age without an early-retirement cut (Greece 62 with 40 years or 67; Germany 67 or 65 with 45 years; Italy 67 or with 42y10m; Spain 65 with 38.5 years or 67; UK State Pension age 67/68). Amounts in today’s money. UK contributions are National Insurance, which also funds other benefits.":"L-istess karriera f’kull pajjiż: is-salarju gross fuq ix-xellug mibdul fin-numru tas-soltu ta’ ħlasijiet ta’ kull pajjiż, is-snin ta’ qabel bil-% magħżul tal-paga tal-lum. \"L-ewwel età ta’ pensjoni sħiħa\" hija l-ewwel età mingħajr tnaqqis għall-irtirar kmieni (Greċja 62 b’40 sena jew 67; Ġermanja 67 jew 65 b’45 sena; Italja 67 jew b’42s10x; Spanja 65 b’38.5 snin jew 67; età tal-State Pension tar-Renju Unit 67/68). Ammonti fi flus tal-lum. Il-kontribuzzjonijiet tar-Renju Unit huma National Insurance, li tiffinanzja wkoll benefiċċji oħra.","Net pension / year":"Pensjoni netta / sena","none (full severance instead)":"xejn (kumpens sħiħ minflok)","Settlement 0.5 month’s pay per year (customary, not a legal right)":"Ftehim ta’ nofs xahar paga kull sena (tad-drawwa, mhux dritt legali)","TFR (accrued deferred pay) + 1 month’s notice in lieu; no extra indemnity for a justified dismissal":"TFR (paga differita miġbura) + xahar avviż imħallas minflok; l-ebda kumpens żejjed għal tkeċċija ġustifikata","by CCNL, ~1 month":"skont is-CCNL, ~xahar","mo":"x","£95.55/wk × 26":"£95.55/ġimgħa × 26","Most protective":"L-aktar protettiv"," incl. unemployment benefit, Greek €":" inkluż il-benefiċċju tal-qgħad, € Griegi"," years":" snin","no-fault dismissal by the employer":"tkeċċija mill-prinċipal mingħajr tort","What you get when dismissed":"Dak li tieħu meta titkeċċa","Termination side by side":"Tmiem l-impjieg ħdejn xulxin","Severance rule":"Regola tal-kumpens","Severance net":"Kumpens nett","= months of gross pay":"= xhur ta’ paga gross","Unused leave, net":"Liv mhux meħud, nett","Unemployment benefit (total)":"Benefiċċju tal-qgħad (total)","Total in Greek €":"Total f’€ Griegi","A no-fault dismissal by the employer in each country: Greece without notice; Germany with the customary settlement; Italy a justified objective dismissal (TFR is deferred pay you earned anyway); Spain an objective dismissal; UK redundancy. Unfair dismissals pay more (Spain 33 days/year, Italy 6–36 months). Unemployment benefits are estimates and need enough contributions.":"Tkeċċija mingħajr tort mill-prinċipal f’kull pajjiż: il-Greċja mingħajr avviż; il-Ġermanja bil-ftehim tas-soltu; l-Italja tkeċċija oġġettiva ġustifikata (it-TFR huwa paga differita li xorta qlajt); Spanja tkeċċija oġġettiva; ir-Renju Unit redundancy. Tkeċċijiet inġusti jħallsu aktar (Spanja 33 jum/sena, Italja 6–36 xahar). Il-benefiċċji tal-qgħad huma stimi u jeħtieġu biżżejjed kontribuzzjonijiet.","Unused leave":"Liv mhux meħud","17 weeks full pay + 9 months at minimum wage":"17-il ġimgħa paga sħiħa + 9 xhur bil-paga minima","14 working days, full pay":"14-il jum tax-xogħol, paga sħiħa","4 months per parent until 8 (2 paid at minimum wage)":"4 xhur kull ġenitur sal-8 (2 imħallsa bil-paga minima)","First 3 days 50%, then EFKA benefit + employer top-up":"L-ewwel 3 ijiem 50%, imbagħad benefiċċju EFKA + żieda mill-prinċipal","14 weeks full net pay (Mutterschutz)":"14-il ġimgħa paga netta sħiħa (Mutterschutz)","No separate leave; 2 partner months of Elterngeld":"L-ebda liv separat; 2 xhur Elterngeld għas-sieħeb","Up to 3 years each; Elterngeld 65–67% of net for 12–14 months (max €1,800)":"Sa 3 snin kull wieħed; Elterngeld 65–67% tan-nett għal 12–14-il xahar (massimu €1,800)","6 weeks at 100% from employer, then 70% (Krankengeld)":"6 ġimgħat 100% mill-prinċipal, imbagħad 70% (Krankengeld)","5 months at 80% (often 100% by CCNL)":"5 xhur b’80% (spiss 100% bis-CCNL)","10 working days at 100%":"10 ijiem tax-xogħol b’100%","Up to 10–11 months shared until 12; 3 at 80%, rest 30%":"Sa 10–11-il xahar maqsuma sat-12; 3 b’80%, il-bqija 30%","INPS 50–66% + employer top-up (often 100%)":"INPS 50–66% + żieda mill-prinċipal (spiss 100%)","19 weeks at 100% (each parent)":"19-il ġimgħa b’100% (kull ġenitur)","19 weeks at 100% (same as mother)":"19-il ġimgħa b’100% (bħall-omm)","8 weeks unpaid until 8":"8 ġimgħat mhux imħallsa sal-8","60% days 4–20, 75% from day 21 (often topped up)":"60% jiem 4–20, 75% mill-jum 21 (spiss miżjuda)","52 weeks: 6 at 90%, 33 at £194.32/week, 13 unpaid":"52 ġimgħa: 6 b’90%, 33 b’£194.32/ġimgħa, 13 mhux imħallsa","2 weeks at £194.32/week":"2 ġimgħat b’£194.32/ġimgħa","Shared parental up to 50 weeks; 18 weeks unpaid per child until 18":"Liv maqsum sa 50 ġimgħa; 18-il ġimgħa mhux imħallsa kull tifel sat-18","£123.25 a week (SSP)":"£123.25 fil-ġimgħa (SSP)","Most paid days off (legal minimum)":"L-aktar jiem liberi mħallsa (minimu legali)"," days incl. holidays":" jiem inklużi l-btajjel","Longest paid birth leave":"L-itwal liv imħallas tat-twelid","for the mother":"għall-omm","Leave side by side":"Liv ħdejn xulxin","Annual leave, legal minimum (5-day week)":"Liv annwali, minimu legali (ġimgħa ta’ 5 ijiem)","typical ":"tipiku","after ":"wara","incl. bank holidays":"inklużi l-btajjel bankarji","Public holidays on weekdays":"Btajjel pubbliċi f’jiem tax-xogħol","can be inside the 28":"jistgħu jkunu fit-28","Total paid days off":"Total ta’ jiem liberi mħallsa","Maternity":"Maternità","Father / partner":"Missier / sieħeb","Legal minimums for a 5-day week; contracts and collective agreements often give more (Germany typically 30 days, Italy 22–26 plus ROL hours). National holidays only: German states, Spanish regions and Italian cities add 1–4 local days.":"Minimi legali għal ġimgħa ta’ 5 ijiem; il-kuntratti u l-ftehimiet kollettivi spiss jagħtu aktar (il-Ġermanja normalment 30 jum, l-Italja 22–26 flimkien ma’ sigħat ROL). Btajjel nazzjonali biss: l-istati Ġermaniżi, ir-reġjuni Spanjoli u l-bliet Taljani jżidu 1–4 jiem lokali.","Public holidays":"Btajjel pubbliċi","Most money left after housing":"L-aktar flus li jibqgħu wara l-akkomodazzjoni"," / month in Greek prices":" / xahar fi prezzijiet Griegi","Highest housing burden":"L-ogħla piż tal-akkomodazzjoni"," of net pay goes to housing":" tal-paga netta jmur għall-akkomodazzjoni","adults + children":"adulti + tfal","Money left each month after rent and bills, in Greek prices":"Flus li jibqgħu kull xahar wara l-kera u l-kontijiet, fi prezzijiet Griegi","Countries side by side (per month)":"Pajjiżi ħdejn xulxin (fix-xahar)","Typical rent":"Kera tipika","Utilities, phone, internet":"Utilitajiet, telefon, internet","Left after housing":"Jibqa’ wara l-akkomodazzjoni","Housing % of net":"Akkomodazzjoni % tan-nett","Price level (EU=100)":"Livell tal-prezzijiet (UE=100)","Left, in Greek prices":"Jibqa’, fi prezzijiet Griegi","Typical national costs from open official statistics only: average rent paid by renting households and spending on utilities, phone and internet (Eurostat household budget survey and EU-SILC, updated to 2026 prices with each category’s price index; UK: ONS average private rent), scaled to the household on the left. Price levels: Eurostat 2024. Non-euro amounts are converted at ECB reference rates of 5 October 2026. Big cities, especially their rents, are usually more expensive than these national averages.":"Spejjeż nazzjonali tipiċi minn statistika uffiċjali miftuħa biss: kera medja mħallsa minn djar li jikru u nefqa fuq utilitajiet, telefon u internet (stħarriġ tal-Eurostat dwar il-baġit tad-djar u EU-SILC, aġġornati għall-prezzijiet tal-2026 bl-indiċi tal-prezzijiet ta’ kull kategorija; Renju Unit: kera privata medja tal-ONS), aġġustati għad-dar fuq ix-xellug. Livelli tal-prezzijiet: Eurostat 2024. Ammonti barra mill-ewro huma mibdula bir-rati ta’ referenza tal-BĊE tal-5 ta’ Ottubru 2026. Il-bliet il-kbar, speċjalment il-kirjiet tagħhom, normalment huma aktar għaljin minn dawn il-medji nazzjonali.","Left after housing (EUR)":"Jibqa’ wara l-akkomodazzjoni (EUR)","Same, in Greek prices":"L-istess, fi prezzijiet Griegi","Benefits":"Benefiċċji","Wage tax + Soli, €30,000, class I":"Taxxa fuq il-paga + Soli, €30,000, klassi I","Wage tax + Soli, €54,000, class I":"Taxxa fuq il-paga + Soli, €54,000, klassi I","Wage tax + Soli, €80,000, class I":"Taxxa fuq il-paga + Soli, €80,000, klassi I","Wage tax + Soli, €120,000, class I":"Taxxa fuq il-paga + Soli, €120,000, klassi I","Wage tax, €54,000, class III":"Taxxa fuq il-paga, €54,000, klassi III","Wage tax, €54,000, class I, 1 child":"Taxxa fuq il-paga, €54,000, klassi I, tifel wieħed","Taxable €20,000, no children":"Taxxabbli €20,000, mingħajr tfal","Taxable €20,000, 2 children":"Taxxabbli €20,000, 2 tfal","Taxable €30,000, 1 child":"Taxxabbli €30,000, tifel wieħed","Taxable €30,000, 4 children":"Taxxabbli €30,000, 4 tfal","Taxable €50,000, no children":"Taxxabbli €50,000, mingħajr tfal","Taxable €30,000, age 24":"Taxxabbli €30,000, età 24","Income tax + NI, £42,000":"Taxxa fuq id-dħul + NI, £42,000","Income tax + NI, £110,000 (allowance taper)":"Taxxa fuq id-dħul + NI, £110,000 (tnaqqis tal-allowance)","INPS employee, RAL €35,000":"INPS tal-impjegat, RAL €35,000","Employee social security, €30,000":"Sigurtà soċjali tal-impjegat, €30,000","Employee social insurance, €54,000, childless":"Assigurazzjoni soċjali tal-impjegat, €54,000, mingħajr tfal","Net pay, RAL €35,000 (surcharges 1.43% + 0.8%)":"Paga netta, RAL €35,000 (sopratassi 1.43% + 0.8%)","National pension, 20+ years, 40 years in Greece":"Pensjoni nazzjonali, 20+ sena, 40 sena fil-Greċja","National pension, 15 years":"Pensjoni nazzjonali, 15-il sena","Standard pension: 45 years at average pay, age 67 (gross / month)":"Pensjoni standard: 45 sena bil-paga medja, età 67 (gross / xahar)","Yearly pension from €100,000 notional capital at 67":"Pensjoni annwali minn €100,000 kapital nozzjonali fis-67","Maximum pension 2026 (high earner, 45 years)":"Pensjoni massima 2026 (jaqla’ ħafna, 45 sena)","100% of the base with 37 years (base €2,000)":"100% tal-bażi b’37 sena (bażi €2,000)","Full new State Pension, 35 years (per year)":"New State Pension sħiħa, 35 sena (fis-sena)","Wage tax, €20,000, class I":"Taxxa fuq il-paga, €20,000, klassi I","Wage tax, €40,000, class I":"Taxxa fuq il-paga, €40,000, klassi I","Wage tax, €65,000, class I":"Taxxa fuq il-paga, €65,000, klassi I","Wage tax + Soli, €100,000, class I":"Taxxa fuq il-paga + Soli, €100,000, klassi I","Wage tax + Soli, €250,000, class I (45% band)":"Taxxa fuq il-paga + Soli, €250,000, klassi I (faxxa ta’ 45%)","Wage tax, €40,000, class II, 1 child":"Taxxa fuq il-paga, €40,000, klassi II, tifel wieħed","Wage tax, €80,000, class III, 2 children (care-insurance child discount)":"Taxxa fuq il-paga, €80,000, klassi III, 2 tfal (skont tal-kura fit-tul għat-tfal)","Taxable €10,000, no children":"Taxxabbli €10,000, mingħajr tfal","Taxable €20,000, 3 children":"Taxxabbli €20,000, 3 tfal","Taxable €40,000, 2 children":"Taxxabbli €40,000, 2 tfal","Taxable €50,000, 4 children":"Taxxabbli €50,000, 4 tfal","Taxable €20,000, age 24":"Taxxabbli €20,000, età 24","Work-income reduction at €20,000 gross":"Tnaqqis fuq id-dħul mix-xogħol b’€20,000 gross","Low-wage deduction at €17,276 gross":"Tnaqqis għal paga baxxa b’€17,276 gross","Employer NI, £42,000":"NI tal-prinċipal, £42,000","Employee EFKA 13.37%, €1,500 × 14":"EFKA tal-impjegat 13.37%, €1,500 × 14","Monthly EFKA at the €7,761.94 ceiling (gross €10,000)":"EFKA fix-xahar fil-limitu ta’ €7,761.94 (gross €10,000)","INPS employee, RAL €25,000":"INPS tal-impjegat, RAL €25,000","INPS employee, RAL €50,000":"INPS tal-impjegat, RAL €50,000","Employee social security, €20,000":"Sigurtà soċjali tal-impjegat, €20,000","Employee social security, €50,000":"Sigurtà soċjali tal-impjegat, €50,000","Net pay, RAL €25,000 (Bari)":"Paga netta, RAL €25,000 (Bari)","Net pay, RAL €50,000 (Milan)":"Paga netta, RAL €50,000 (Milan)","Early pension at 62 with 15 years: lifelong cut":"Pensjoni kmieni fl-62 b’15-il sena: tnaqqis għal għomrok","Full pension at 62 with 40 years: cut":"Pensjoni sħiħa fl-62 b’40 sena: tnaqqis","Early pension at 63 with 35 years: cut":"Pensjoni kmieni fit-63 b’35 sena: tnaqqis","15 years of contributions: 50% of the base (base €2,000)":"15-il sena ta’ kontribuzzjonijiet: 50% tal-bażi (bażi €2,000)","State Pension with 10 qualifying years (per year)":"State Pension b’10 snin (fis-sena)","Group pension, lump sum after 25 years: tax rate":"Pensjoni tal-grupp, somma f’daqqa wara 25 sena: rata tat-taxxa","Group pension, monthly pension after 12 years: tax rate":"Pensjoni tal-grupp, pensjoni fix-xahar wara 12-il sena: rata tat-taxxa","Group pension, early lump sum after 3 years: tax rate":"Pensjoni tal-grupp, somma f’daqqa kmieni wara 3 snin: rata tat-taxxa","Severance after 3 years (months of pay)":"Kumpens wara 3 snin (xhur paga)","Severance after 16+ years (months of pay)":"Kumpens wara 16+ sena (xhur paga)","Maximum statutory redundancy pay":"Paga massima statutorja ta’ redundancy","NASpI monthly maximum":"Massimu fix-xahar tan-NASpI","Kindergeld, 2 children (per year)":"Kindergeld, 2 tfal (fis-sena)","Child benefit, 2 children (per year)":"Child benefit, 2 tfal (fis-sena)","Checks passed":"Kontrolli li għaddew","within €25 or 0.5% of the official figure":"fi €25 jew 0.5% taċ-ċifra uffiċjali","Largest difference":"L-akbar differenza","per year":"fis-sena","Areas covered":"Oqsma koperti","tax, contributions, net pay, state and private pensions, termination, benefits":"taxxa, kontribuzzjonijiet, paga netta, pensjonijiet statali u privati, tmiem l-impjieg, benefiċċji","Accuracy checks against official sources":"Kontrolli tal-preċiżjoni ma’ sorsi uffiċjali","Case (2026)":"Każ (2026)","Official":"Uffiċjali","This app":"Din l-app","Source":"Sors","Pensions: official 2026 amounts (Greek national pension, German pension value, Italian transformation coefficients, Spanish maximum pension and scale, UK State Pension). Germany tax: official BMF wage-tax interface (Lohnsteuer 2026). Greece: tax table for Law 5246/2025. Italy and Spain: published 2026 calculations (Spain on the general scale; Spanish payroll withholding can differ slightly from the final annual tax). UK: HMRC 2026/27 rates applied by hand. Data last checked October 2026. Social-security rates, ceilings and pension rules were checked separately against 2026 official notices (see each country’s rules).":"Pensjonijiet: ammonti uffiċjali tal-2026 (pensjoni nazzjonali Griega, valur tal-pensjoni Ġermaniż, koeffiċjenti ta’ trasformazzjoni Taljani, pensjoni massima u skala Spanjoli, State Pension tar-Renju Unit). Taxxa fil-Ġermanja: interface uffiċjali tal-BMF għat-taxxa fuq il-paga (Lohnsteuer 2026). Greċja: tabella tat-taxxa tal-Liġi 5246/2025. Italja u Spanja: kalkoli tal-2026 ippubblikati (Spanja bl-iskala ġenerali; iż-żamma Spanjola tista’ tvarja ftit mit-taxxa annwali finali). Renju Unit: rati tal-HMRC 2026/27 applikati bl-idejn. Data ċċekkjata l-aħħar f’Ottubru 2026. Ir-rati tas-sigurtà soċjali, il-limiti u r-regoli tal-pensjoni ġew iċċekkjati separatament mal-avviżi uffiċjali tal-2026 (ara r-regoli ta’ kull pajjiż).","New-resident regimes applied: Greece art. 5C (income tax on 50% of pay, 7 years), Italy impatriati (50% exempt, 60% with a minor child, 5 years), Spain Beckham law (flat 24%, 6 years). Germany has no such regime; the UK taxes UK work in full (its 4-year regime covers foreign income and up to 30% of pay for workdays abroad). Conditions apply, e.g. not tax-resident there in recent years.":"Reġimi għal residenti ġodda applikati: Greċja art. 5C (taxxa fuq 50% tal-paga, 7 snin), Italja impatriati (50% eżenti, 60% bi tfal minorenni, 5 snin), Spanja liġi Beckham (24% fissa, 6 snin). Il-Ġermanja m’għandhiex reġim bħal dan; ir-Renju Unit jintaxxa kollu x-xogħol fir-Renju Unit (ir-reġim tiegħu ta’ 4 snin ikopri dħul barrani u sa 30% tal-paga għal jiem ta’ xogħol barra). Japplikaw kundizzjonijiet, eż. ma kontx resident tat-taxxa hemm fis-snin riċenti.","Estimates for guidance only, using 2026 rules for {c}. {caveat} For exact figures, check your payslip or a tax adviser. {res}":"Stimi għall-gwida biss, bir-regoli tal-2026 għal {c}. {caveat} Għal ċifri eżatti, ara l-payslip jew kellem konsulent tat-taxxa. {res}","Estimates for guidance only. Overtime premiums usually come from your contract or collective agreement, so enter yours; tax is estimated at your 2026 marginal rate for {c}. {res}":"Stimi għall-gwida biss. Il-premiums tal-overtime normalment jiġu mill-kuntratt jew mill-ftehim kollettiv, għalhekk daħħal tiegħek; it-taxxa hija stmata bir-rata marġinali tiegħek tal-2026 għal {c}. {res}","Simplified comparison using 2026 rules for {c}. Real business costs, VAT, tax prepayments and payment timing are not modelled, and freelancers give up paid leave, sick pay and dismissal protection. Talk to an accountant before switching. {res}":"Paragun simplifikat bir-regoli tal-2026 għal {c}. L-ispejjeż veri tan-negozju, il-VAT, il-ħlasijiet bil-quddiem u ż-żmien tal-ħlas mhumiex inklużi, u l-freelancers jirrinunzjaw għal-liv imħallas, il-paga tal-mard u l-protezzjoni mit-tkeċċija. Kellem kontabilist qabel ma tibdel. {res}","Projection under current law for {c}, in today’s money. Pension rules change often; past earnings, life expectancy and indexation are simplified, and transitional rules for older workers are not modelled. Check your official pension record. {res}":"Projezzjoni skont il-liġi attwali għal {c}, fi flus tal-lum. Ir-regoli tal-pensjoni jinbidlu spiss; id-dħul tal-passat, l-istennija tal-ħajja u l-indiċjar huma simplifikati, u r-regoli tranżitorji għall-ħaddiema anzjani mhumiex inklużi. Iċċekkja r-rekord uffiċjali tal-pensjoni tiegħek. {res}","Illustration only: the plan return is your assumption after fees and is not guaranteed. Tax limits are 2026 values for {c}; tax on payouts depends on your income in retirement. Check your plan’s rules with HR or the provider. {res}":"Għall-illustrazzjoni biss: ir-rendiment tal-pjan huwa suppożizzjoni tiegħek wara t-tariffi u mhux garantit. Il-limiti tat-taxxa huma l-valuri tal-2026 għal {c}; it-taxxa fuq il-ħlasijiet tiddependi mid-dħul tiegħek fl-irtirar. Iċċekkja r-regoli tal-pjan mal-HR jew mal-fornitur. {res}","Legal minimums for {c}; contracts and collective agreements often give more, and regional or local holidays are not all listed. {res}":"Minimi legali għal {c}; il-kuntratti u l-ftehimiet kollettivi spiss jagħtu aktar, u mhux il-btajjel reġjonali jew lokali kollha huma elenkati. {res}","Estimates for a standard indefinite contract in {c}. Actual amounts depend on your contract, collective agreement, the reason for dismissal and any settlement; unemployment benefits need enough contributions. Get advice early: deadlines are short. {res}":"Stimi għal kuntratt indefinit standard fi {c}. L-ammonti veri jiddependu mill-kuntratt, il-ftehim kollettiv, ir-raġuni tat-tkeċċija u kwalunkwe ftehim; il-benefiċċji tal-qgħad jeħtieġu biżżejjed kontribuzzjonijiet. Fittex parir kmieni: id-dati ta’ skadenza huma qosra. {res}","Monthly wage tax follows the official 2026 formula (checked against the BMF calculator); your annual tax return can differ. Private health insurance, Saxony’s care rate, company cars and other benefits in kind are not modelled.":"It-taxxa fuq il-paga fix-xahar issegwi l-formula uffiċjali tal-2026 (iċċekkjata mal-kalkolatur tal-BMF); id-dikjarazzjoni annwali tista’ tvarja. Assigurazzjoni privata tas-saħħa, ir-rata tal-kura tas-Sassonja, karozzi tal-kumpanija u benefiċċji oħra in natura mhumiex inklużi.","Regional and municipal surcharges vary by place; deductions for dependants, Assegno Unico and benefits in kind are not modelled, and payroll spreads the tax over the months differently.":"Is-sopratassi reġjonali u muniċipali jvarjaw skont il-post; it-tnaqqis għad-dipendenti, l-Assegno Unico u l-benefiċċji in natura mhumiex inklużi, u l-payroll ixerred it-taxxa fuq ix-xhur b’mod differenti.","Only the general, Madrid and Catalonia scales are included; other regions differ slightly. Payroll withholding (retenciones) can differ from the final annual tax settled in your return.":"L-iskali ġenerali, ta’ Madrid u tal-Katalonja biss huma inklużi; reġjuni oħra jvarjaw ftit. Iż-żamma fuq il-paga (retenciones) tista’ tvarja mit-taxxa annwali finali fid-dikjarazzjoni.","Rates for England, Wales and Northern Ireland. Scotland, student loans, pension contributions and benefits in kind are not included, and your tax code can change monthly deductions.":"Rati għall-Ingilterra, Wales u l-Irlanda ta’ Fuq. L-Iskozja, is-self tal-istudenti, il-kontribuzzjonijiet għall-pensjoni u l-benefiċċji in natura mhumiex inklużi, u t-tax code tiegħek jista’ jbiddel it-tnaqqis fix-xahar.","Official sources: BMF Lohnsteuerrechner, Deutsche Rentenversicherung (Renteninformation), Bundesagentur für Arbeit.":"Sorsi uffiċjali: BMF Lohnsteuerrechner, Deutsche Rentenversicherung (Renteninformation), Bundesagentur für Arbeit.","Official sources: Agenzia delle Entrate, INPS (estratto conto contributivo, simulator “La mia pensione futura”).":"Sorsi uffiċjali: Agenzia delle Entrate, INPS (estratto conto contributivo, simulatur “La mia pensione futura”).","Official sources: Agencia Tributaria (withholding simulator), Seguridad Social (Tu Seguridad Social), SEPE.":"Sorsi uffiċjali: Agencia Tributaria (simulatur taż-żamma), Seguridad Social (Tu Seguridad Social), SEPE.","Official sources: GOV.UK (HMRC tax calculator, Check your State Pension forecast) and Acas for employment rights.":"Sorsi uffiċjali: GOV.UK (kalkolatur tat-taxxa tal-HMRC, Check your State Pension forecast) u Acas għad-drittijiet tal-impjieg.","Old-age insurance 6.90% + 0.40%":"Assigurazzjoni tax-xjuħija 6.90% + 0.40%","Supplementary pension AGIRC-ARRCO (incl. CEG/CET)":"Pensjoni supplimentari AGIRC-ARRCO (inkl. CEG/CET)","CSG and CRDS 9.7% (on 98.25% of pay)":"CSG u CRDS 9.7% (fuq 98.25% tal-paga)","Company health plan (mutuelle), your half":"Pjan tas-saħħa tal-kumpanija (mutuelle), in-nofs tiegħek","Income tax (scale, withheld at source)":"Taxxa fuq id-dħul (skala, miżmuma fis-sors)","Family allowance (paid separately)":"Allowance tal-familja (imħallsa separatament)","Micro-entrepreneur contributions (URSSAF)":"Kontribuzzjonijiet tal-micro-entrepreneur (URSSAF)","by collective agreement":"bi ftehim kollettiv","worked or paid":"maħdum jew imħallas","1–3 months (agreement)":"1–3 xhur (ftehim)","Legal severance":"Kumpens legali","France":"Franza","Tax household":"Unità tat-taxxa","Single":"Waħdu","Married or PACS, sole earner":"Miżżewweġ jew PACS, dħul wieħed","Company health plan total / month (half paid by employer)":"Pjan tas-saħħa tal-kumpanija total / xahar (nofs imħallas mill-prinċipal)","Executive status (cadre)":"Status ta’ eżekuttiv (cadre)","Activity":"Attività","Liberal profession (BNC)":"Professjoni liberali (BNC)","Services (BIC)":"Servizzi (BIC)","Sales (BIC)":"Bejgħ (BIC)","Flat income-tax option (versement libératoire)":"Għażla ta’ taxxa fissa (versement libératoire)","2026 scale (2025 income): 0% to €11,600, 11% to €29,579, 30% to €84,577, 41% to €181,917, 45% above, per tax share after a 10% expense allowance (€509–14,555). Family quotient: 1 share per adult, ½ for each of the first two children, 1 from the third, capped at €1,807 per half share; low-tax reduction (décote) below €1,982 of tax for a single person. Withheld monthly at source.":"Skala 2026 (dħul 2025): 0% sa €11,600, 11% sa €29,579, 30% sa €84,577, 41% sa €181,917, 45% ’il fuq, għal kull sehem tat-taxxa wara allowance ta’ 10% għall-ispejjeż (€509–14,555). Kwozjent tal-familja: sehem kull adult, ½ għal kull wieħed mill-ewwel żewġt itfal, 1 mit-tielet, b’limitu ta’ €1,807 kull nofs sehem; tnaqqis għal taxxa baxxa (décote) taħt €1,982 ta’ taxxa għal persuna waħedha. Miżmuma kull xahar fis-sors.","Social contributions":"Kontribuzzjonijiet soċjali","Employee about 22%: old-age 6.90% up to the ceiling (€4,005/month) + 0.40%, AGIRC-ARRCO 4.01% (10.80% above the ceiling incl. CEG), CSG/CRDS 9.7% on 98.25% of pay, plus half the company health plan. Employer about 43% before the 2026 general reduction (RGDU), which removes up to 39.81 points at the minimum wage and fades out at 3× it (€5,469/month).":"Impjegat madwar 22%: xjuħija 6.90% sal-limitu (€4,005/xahar) + 0.40%, AGIRC-ARRCO 4.01% (10.80% ’il fuq mil-limitu inkl. CEG), CSG/CRDS 9.7% fuq 98.25% tal-paga, flimkien ma’ nofs il-pjan tas-saħħa tal-kumpanija. Prinċipal madwar 43% qabel it-tnaqqis ġenerali tal-2026 (RGDU), li jneħħi sa 39.81 punt fil-paga minima u jispiċċa fi 3 darbiet dik il-paga (€5,469/xahar).","Family":"Familja","Family allowance from the 2nd child: €152.25/month for 2 children, €347.32 for 3 (April 2026), lower for higher incomes. Calculated for one taxpayer; married couples file jointly.":"Allowance tal-familja mit-tieni tifel: €152.25/xahar għal 2 tfal, €347.32 għal 3 (April 2026), inqas għal dħul ogħla. Maħdum għal kontribwent wieħed; il-miżżewġin jagħmlu dikjarazzjoni flimkien.","Legal premiums":"Premiums legali","Hours beyond 35 a week: +25% for the first 8 (36th to 43rd hour), +50% beyond, unless an agreement sets at least +10%. Usual annual quota 220 hours; max 48 hours in a week and 44 on average over 12 weeks.":"Sigħat ’il fuq minn 35 fil-ġimgħa: +25% għall-ewwel 8 (is-36 sat-43 siegħa), +50% wara, sakemm ftehim ma jistabbilixxix mill-inqas +10%. Kwota annwali tas-soltu ta’ 220 siegħa; massimu 48 siegħa f’ġimgħa u 44 bħala medja fuq 12-il ġimgħa.","Tax-free overtime":"Overtime mingħajr taxxa","Overtime pay is exempt from income tax up to €7,500 net a year, and employee pension contributions on it are cut by 11.31%. Both are applied here.":"Il-paga tal-overtime hija eżenti mit-taxxa fuq id-dħul sa €7,500 nett fis-sena, u l-kontribuzzjonijiet tal-pensjoni tal-impjegat fuqha jitnaqqsu b’11.31%. It-tnejn huma applikati hawn.","220 h / year (quota)":"220 siegħa / sena (kwota)","Contributions on turnover: 25.6% liberal professions (BNC), 21.2% services, 12.3% sales (2026), plus 0.1–0.3% training. Income tax on turnover minus a flat allowance of 34%, 50% or 71%, or optionally a flat 2.2%, 1.7% or 1% of turnover. Turnover caps €83,600 (services, BNC) and €203,100 (sales). Real costs are not deductible. No VAT below the VAT threshold.":"Kontribuzzjonijiet fuq il-fatturat: 25.6% professjonijiet liberali (BNC), 21.2% servizzi, 12.3% bejgħ (2026), flimkien ma’ 0.1–0.3% taħriġ. Taxxa fuq il-fatturat nieqes allowance fissa ta’ 34%, 50% jew 71%, jew b’għażla 2.2%, 1.7% jew 1% fissa tal-fatturat. Limiti tal-fatturat €83,600 (servizzi, BNC) u €203,100 (bejgħ). L-ispejjeż veri ma jitnaqqsux. L-ebda VAT taħt il-limitu.","Basic pension (CNAV)":"Pensjoni bażika (CNAV)","Average of your best 25 years (capped at the social-security ceiling) × 50% × quarters insured ÷ quarters required. Each missing quarter cuts the 50% by 0.625 points (max 20 quarters), unless you claim at 67. Quarters beyond the requirement after the legal age add 1.25% each.":"Medja tal-aħjar 25 sena tiegħek (b’limitu tas-sigurtà soċjali) × 50% × kwarti assigurati ÷ kwarti meħtieġa. Kull kwart nieqes inaqqas il-50% b’0.625 punti (massimu 20 kwart), sakemm ma titlobx fis-67. Kwarti ’l fuq minn dawk meħtieġa wara l-età legali jżidu 1.25% kull wieħed.","Ages after the 2026 suspension":"Etajiet wara s-sospensjoni tal-2026","The 2023 reform is suspended until January 2028 (LFSS 2026): legal age 62y9m for those born in 1964, about 63 for 1965, 63y3m for 1966, 63y6m for 1967, 63y9m for 1968, 64 later under current law; 170 quarters for 1964, 171 for 1965, 172 from 1966. Full rate automatically at 67.":"Ir-riforma tal-2023 hija sospiża sa Jannar 2028 (LFSS 2026): età legali 62s9x għal min twieled fl-1964, madwar 63 għall-1965, 63s3x għall-1966, 63s6x għall-1967, 63s9x għall-1968, imbagħad 64 skont il-liġi attwali; 170 kwart għall-1964, 171 għall-1965, 172 mill-1966. Rata sħiħa awtomatikament fis-67.","Supplementary pension (AGIRC-ARRCO)":"Pensjoni supplimentari (AGIRC-ARRCO)","Points = 6.20% of pay up to the ceiling + 17% above, ÷ €20.1877; each point pays €1.4386 a year (frozen until October 2026). Net of CSG, CRDS and CASA (about 9.1%) and income tax.":"Punti = 6.20% tal-paga sal-limitu + 17% ’il fuq, ÷ €20.1877; kull punt iħallas €1.4386 fis-sena (iffriżat sa Ottubru 2026). Nett mis-CSG, is-CRDS u s-CASA (madwar 9.1%) u t-taxxa fuq id-dħul.","Plan d’épargne retraite (PER): your voluntary payments are deducted from taxable income within the limit; employer payments into a company PER are free of income tax but carry CSG/CRDS. At retirement, the deducted payments are taxed at your income-tax rate and gains at the 31.4% flat tax (from 2026); a lump sum or an annuity can be chosen.":"Plan d’épargne retraite (PER): il-ħlasijiet volontarji tiegħek jitnaqqsu mid-dħul taxxabbli fil-limitu; il-ħlasijiet tal-prinċipal f’PER tal-kumpanija huma mingħajr taxxa fuq id-dħul iżda jħallsu CSG/CRDS. Fl-irtirar, il-ħlasijiet imnaqqsa jiġu ntaxxati bir-rata tiegħek u l-qligħ bit-taxxa fissa ta’ 31.4% (mill-2026); tista’ tagħżel somma f’daqqa jew annwità.","Victory in Europe Day":"Jum ir-Rebħa fl-Ewropa","Bastille Day":"Jum Nazzjonali (14 ta’ Lulju)","Armistice Day":"Jum l-Armistizju","2.5 working days per month: 30 working days on a 6-day count, i.e. 25 days on a 5-day week (5 weeks), taken mainly between May and October; 4 weeks can be taken in summer. Many employees also get RTT days for working more than 35 hours. 11 public holidays; Alsace-Moselle has 2 more.":"2.5 jiem tax-xogħol kull xahar: 30 jum tax-xogħol f’għadd ta’ 6 ijiem, jiġifieri 25 jum f’ġimgħa ta’ 5 ijiem (5 ġimgħat), meħuda l-aktar bejn Mejju u Ottubru; 4 ġimgħat jistgħu jittieħdu fis-sajf. Ħafna impjegati jieħdu wkoll jiem RTT għax jaħdmu aktar minn 35 siegħa. 11-il btala pubblika; l-Alsazja-Moselle għandha 2 oħra.","16 weeks (6 before, 10 after birth); 26 from the 3rd child":"16-il ġimgħa (6 qabel, 10 wara t-twelid); 26 mit-tielet tifel","Daily allowance from health insurance, up to about €104/day":"Allowance ta’ kuljum mill-assigurazzjoni tas-saħħa, sa madwar €104/jum","25 days (32 for twins), 4 compulsory right after birth, plus 3 days birth leave":"25 jum (32 għal tewmin), 4 obbligatorji eżatt wara t-twelid, flimkien ma’ 3 ijiem liv tat-twelid","Health-insurance allowance; birth days paid by employer":"Allowance tal-assigurazzjoni tas-saħħa; jiem tat-twelid imħallsa mill-prinċipal","Additional birth leave (from July 2026)":"Liv addizzjonali tat-twelid (minn Lulju 2026)","1 or 2 months per parent after maternity or paternity leave":"Xahar jew xahrejn kull ġenitur wara l-liv tal-maternità jew tal-paternità","70% of net pay the 1st month, 60% the 2nd (capped)":"70% tal-paga netta l-ewwel xahar, 60% it-tieni (b’limitu)","Until the child turns 3, full or part time":"Sakemm it-tifel jagħlaq 3 snin, full-time jew part-time","PreParE allowance (~€460/month full time) or unpaid":"Allowance PreParE (~€460/xahar full-time) jew mhux imħallas","Sick child":"Tifel marid","3 days a year (5 if under 1 or 3+ children), child under 16":"3 ijiem fis-sena (5 jekk taħt sena jew 3+ tfal), tifel taħt is-16","Unpaid unless the agreement says otherwise":"Mhux imħallas sakemm il-ftehim ma jgħidx mod ieħor","Family events":"Avvenimenti tal-familja","Wedding or PACS 4 days, death of a child 14 days, of a spouse or parent 3 days":"Żwieġ jew PACS 4 ijiem, mewt ta’ tifel 14-il jum, ta’ konjuġi jew ġenitur 3 ijiem","Paid by employer":"Imħallas mill-prinċipal","3 waiting days, then health-insurance allowance":"3 ijiem ta’ stennija, imbagħad allowance tal-assigurazzjoni tas-saħħa","50% of pay; employer tops up to 90% after 1 year of service":"50% tal-paga; il-prinċipal iżid sa 90% wara sena servizz","Dismissal (personal or economic)":"Tkeċċija (personali jew ekonomika)","Mutual termination (rupture conventionnelle)":"Tmiem bi qbil reċiproku (rupture conventionnelle)","After 8 months of service: ¼ month’s pay per year for the first 10 years, ⅓ per year beyond (more under many collective agreements). Free of income tax; free of contributions up to 2× the annual ceiling. Not due for serious misconduct.":"Wara 8 xhur ta’ servizz: kwart ta’ xahar paga kull sena għall-ewwel 10 snin, terz kull sena wara (aktar f’ħafna ftehimiet kollettivi). Mingħajr taxxa fuq id-dħul; mingħajr kontribuzzjonijiet sa darbtejn il-limitu annwali. Mhux dovut għal imġiba ħażina serja.","Notice and mutual termination":"Avviż u tmiem bi qbil reċiproku","Notice: 1 month after 6 months of service, 2 months after 2 years (worked or paid). A rupture conventionnelle needs at least the legal severance, gives the right to unemployment benefit and has a 15-day withdrawal period.":"Avviż: xahar wara 6 xhur servizz, xahrejn wara sentejn (maħdum jew imħallas). Rupture conventionnelle teħtieġ mill-inqas il-kumpens legali, tagħti dritt għall-benefiċċju tal-qgħad u għandha 15-il jum biex tirtira.","Unemployment benefit (ARE)":"Benefiċċju tal-qgħad (ARE)","The higher of 57% of the daily reference wage or 40.4% + €13.18, max 75% (and €300.21/day). Duration 75% of the time worked in the last 24 months (36 from 55): max 18 months, 22.5 at 55–56, 27 from 57; −30% after 6 months on high benefits under 55. Not after resignation.":"L-ogħla bejn 57% tal-paga ta’ referenza ta’ kuljum jew 40.4% + €13.18, massimu 75% (u €300.21/jum). Tul ta’ 75% taż-żmien maħdum fl-aħħar 24 xahar (36 mill-55): massimu 18-il xahar, 22.5 fl-55–56, 27 mis-57; −30% wara 6 xhur fuq benefiċċji għoljin taħt il-55. Mhux wara riżenja.","Paying {c} a year (5% of salary) into a PER lowers your income tax by about <b>{s}</b>.":"Jekk tħallas {c} fis-sena (5% tas-salarju) f’PER it-taxxa fuq id-dħul tonqos b’madwar <b>{s}</b>.","Overtime is tax-free up to €7,500 a year and carries lower contributions: see the Extra pay tab.":"L-overtime huwa mingħajr taxxa sa €7,500 fis-sena u għandu kontribuzzjonijiet aktar baxxi: ara t-tab Paga żejda.","Family allowance from the 2nd child (€152.25/month for 2, €347.32 for 3 from April 2026), halved or quartered for high household incomes. Couples are taxed jointly in France, which this table does not model.":"Allowance tal-familja mit-tieni tifel (€152.25/xahar għal 2, €347.32 għal 3 minn April 2026), maqsuma bin-nofs jew bil-kwart għal dħul għoli tad-dar. Il-koppji jiġu ntaxxati flimkien fi Franza, li din it-tabella ma tikkalkulax.","Legal severance ¼ month per year (⅓ after 10 years), tax-free":"Kumpens legali kwart ta’ xahar kull sena (terz wara 10 snin), mingħajr taxxa","16 weeks paid by health insurance (up to ~€104/day)":"16-il ġimgħa mħallsa mill-assigurazzjoni tas-saħħa (sa ~€104/jum)","25 days paid by health insurance + 3 birth days":"25 jum imħallsa mill-assigurazzjoni tas-saħħa + 3 ijiem tat-twelid","Until age 3 (PreParE ~€460/month); new birth leave 1–2 months per parent at 70%/60% of net":"Sal-età ta’ 3 (PreParE ~€460/xahar); liv ġdid tat-twelid ta’ xahar jew tnejn kull ġenitur b’70%/60% tan-nett","3 waiting days, then 50% (90% with employer top-up after 1 year)":"3 ijiem ta’ stennija, imbagħad 50% (90% biż-żieda tal-prinċipal wara sena)","Non-executive employee in a company with fewer than 11 staff, standard accident rate 2.08%; collective-agreement extras (13th month, provident schemes), meal vouchers and transport support are not modelled. Income tax is the annual scale for one tax household; monthly withholding uses a personal rate that can differ.":"Impjegat mhux eżekuttiv f’kumpanija b’inqas minn 11-il ħaddiem, rata standard tal-inċidenti 2.08%; extras tal-ftehimiet kollettivi (13-il xahar, skemi ta’ providenza), vouchers tal-ikel u appoġġ għat-trasport mhumiex inklużi. It-taxxa hija l-iskala annwali għal unità tat-taxxa waħda; iż-żamma fix-xahar tuża rata personali li tista’ tvarja.","Official sources: URSSAF (mon-entreprise simulator), impots.gouv.fr, info-retraite.fr, France Travail.":"Sorsi uffiċjali: URSSAF (simulatur mon-entreprise), impots.gouv.fr, info-retraite.fr, France Travail.","Employee contributions, €3,000/month, no health plan":"Kontribuzzjonijiet tal-impjegat, €3,000/xahar, mingħajr pjan tas-saħħa","Employee contributions, €4,500/month (above ceiling)":"Kontribuzzjonijiet tal-impjegat, €4,500/xahar (’il fuq mil-limitu)","Employee contributions, €7,000/month":"Kontribuzzjonijiet tal-impjegat, €7,000/xahar","Employee contributions at the minimum wage (€1,823.03)":"Kontribuzzjonijiet tal-impjegat bil-paga minima (€1,823.03)","Net before income tax, €3,000/month, default €40 health plan":"Nett qabel it-taxxa, €3,000/xahar, pjan tas-saħħa standard ta’ €40","Employer cost at the minimum wage (with RGDU)":"Spiża tal-prinċipal bil-paga minima (bl-RGDU)","Employer cost, €3,000/month":"Spiża tal-prinċipal, €3,000/xahar","Employer cost, €7,000/month":"Spiża tal-prinċipal, €7,000/xahar","Taxable pay, €3,000/month, no health plan":"Paga taxxabbli, €3,000/xahar, mingħajr pjan tas-saħħa","Income tax, single, taxable income €30,000":"Taxxa fuq id-dħul, waħdu, dħul taxxabbli €30,000","Income tax, single, €20,000 (with décote)":"Taxxa fuq id-dħul, waħdu, €20,000 (bid-décote)","Income tax, couple + 2 children, €60,000":"Taxxa fuq id-dħul, koppja + 2 tfal, €60,000","AGIRC-ARRCO: 1,000 points (per year)":"AGIRC-ARRCO: 1,000 punt (fis-sena)","Legal pension age, born 1966 (years)":"Età legali tal-pensjoni, imwielda fl-1966 (snin)","Basic pension rate with 8 quarters missing":"Rata tal-pensjoni bażika b’8 kwarti neqsin","Legal severance, 12 years at €3,000":"Kumpens legali, 12-il sena b’€3,000","ARE daily benefit for a €100 daily reference wage":"Benefiċċju ARE ta’ kuljum għal paga ta’ referenza ta’ €100 kuljum","Family allowance, 2 children (per year)":"Allowance tal-familja, 2 tfal (fis-sena)","PER deduction cap for a €30,000 salary":"Limitu tat-tnaqqis tal-PER għal salarju ta’ €30,000","Pension fund (your share)":"Fond tal-pensjoni (is-sehem tiegħek)","National insurance (AOW, Anw, Wlz) after credits":"Assigurazzjoni nazzjonali (AOW, Anw, Wlz) wara l-krediti","Income tax (box 1) after credits":"Taxxa fuq id-dħul (box 1) wara l-krediti","Tax credits used (general + labour)":"Krediti tat-taxxa użati (ġenerali + xogħol)","Kinderbijslag (paid separately, ages 6–11)":"Kinderbijslag (imħallas separatament, età 6–11)","Health contribution (Zvw 4.85%) + national insurance":"Kontribuzzjoni tas-saħħa (Zvw 4.85%) + assigurazzjoni nazzjonali","Transition payment (⅓ month per year)":"Ħlas ta’ tranżizzjoni (terz ta’ xahar kull sena)","employer notice (1 month less via UWV)":"avviż tal-prinċipal (xahar inqas permezz tal-UWV)","Employer notice":"Avviż tal-prinċipal","Transition payment":"Ħlas ta’ tranżizzjoni","month per year":"ta’ xahar kull sena","Netherlands":"Olanda","Pension fund, your share (% of pay above €19,554)":"Fond tal-pensjoni, is-sehem tiegħek (% tal-paga ’l fuq minn €19,554)","Workplace pension accrual (% a year)":"Akkumulazzjoni tal-pensjoni tal-post tax-xogħol (% fis-sena)","Box 1 tax 2026":"Taxxa box 1 2026","35.75% up to €38,883 (of which 27.65% national insurance: AOW, Anw, Wlz), 37.56% up to €78,426, 49.50% above. General tax credit up to €3,115 (fading 6.398% above €29,736) and labour tax credit up to €5,685. The Bonus field holds the 8% holiday allowance (vakantiegeld).":"35.75% sa €38,883 (li minnhom 27.65% assigurazzjoni nazzjonali: AOW, Anw, Wlz), 37.56% sa €78,426, 49.50% ’il fuq. Kreditu ġenerali tat-taxxa sa €3,115 (jonqos 6.398% ’il fuq minn €29,736) u kreditu tax-xogħol sa €5,685. Il-qasam Bonus fih l-allowance tal-vaganzi ta’ 8% (vakantiegeld).","Employer and pension fund":"Prinċipal u fond tal-pensjoni","Employees pay no separate social contributions; the employer pays unemployment (2.74%), disability (6.27% + 0.50%), sector fund (~1.52%) and health (Zvw 6.10%) up to €79,409. Most employees also pay into a sector pension fund, usually 6–9% of pay above a franchise: enter yours.":"L-impjegati ma jħallsux kontribuzzjonijiet soċjali separati; il-prinċipal iħallas il-qgħad (2.74%), id-diżabilità (6.27% + 0.50%), il-fond tas-settur (~1.52%) u s-saħħa (Zvw 6.10%) sa €79,409. Il-biċċa l-kbira tal-impjegati jħallsu wkoll f’fond tal-pensjoni tas-settur, normalment 6–9% tal-paga ’l fuq minn franchise: daħħal tiegħek.","The 30% ruling for new residents, health-insurance premium (~€150/month, paid separately) and allowances (zorgtoeslag, huurtoeslag, kindgebonden budget).":"Ir-regola tat-30% għal residenti ġodda, il-premium tal-assigurazzjoni tas-saħħa (~€150/xahar, imħallas separatament) u l-allowances (zorgtoeslag, huurtoeslag, kindgebonden budget).","Dutch law sets no overtime premium; it comes from your contract or collective agreement (cao), often 25–50% or time off. Max 12 hours a day and 60 a week, 48 a week on average over 16 weeks.":"Il-liġi Olandiża ma tistabbilixxi l-ebda premium għall-overtime; jiġi mill-kuntratt jew mill-ftehim kollettiv (cao), spiss 25–50% jew ħin liberu. Massimu 12-il siegħa kuljum u 60 fil-ġimgħa, 48 fil-ġimgħa bħala medja fuq 16-il ġimgħa.","Overtime is taxed like normal pay at your marginal box 1 rate, which includes the phase-out of tax credits.":"L-overtime jiġi ntaxxat bħall-paga normali bir-rata marġinali box 1, li tinkludi t-tnaqqis gradwali tal-krediti.","Zzp (sole trader)":"Zzp (negozjant waħdu)","Self-employed deduction €1,200 (1,225 hours a year), then the SME profit exemption of 12.7%; box 1 tax with the general and labour credits; income-related health contribution 4.85% up to €79,412. No unemployment or disability cover and no pension fund unless you arrange it.":"Tnaqqis għal min jaħdem għal rasu ta’ €1,200 (1,225 siegħa fis-sena), imbagħad l-eżenzjoni tal-profitt tal-SMEs ta’ 12.7%; taxxa box 1 bil-krediti ġenerali u tax-xogħol; kontribuzzjoni tas-saħħa ta’ 4.85% sa €79,412. L-ebda kopertura għall-qgħad jew diżabilità u l-ebda fond tal-pensjoni sakemm ma tirranġahx int.","AOW (state pension)":"AOW (pensjoni statali)","2% for every year you live or work in the Netherlands in the 50 years before AOW age; full single AOW €1,662.16 gross a month (July 2026). AOW age 67 in 2026–2027 and 67 years 3 months from 2028, then linked to life expectancy.":"2% għal kull sena li tgħix jew taħdem fl-Olanda fil-50 sena qabel l-età AOW; AOW sħiħa għal persuna waħedha €1,662.16 gross fix-xahar (Lulju 2026). Età AOW 67 fl-2026–2027 u 67 sena u 3 xhur mill-2028, imbagħad marbuta mal-istennija tal-ħajja.","Most employees build a second pension in a sector fund, moving to the new contribution-based system (Wtp) by 2028. Here estimated as an accrual per year on pay above the franchise; check your fund’s Uniform Pension Overview (UPO) on mijnpensioenoverzicht.nl.":"Il-biċċa l-kbira tal-impjegati jibnu t-tieni pensjoni f’fond tas-settur, li qed jgħaddi għas-sistema l-ġdida bbażata fuq il-kontribuzzjonijiet (Wtp) sal-2028. Hawn stmata bħala akkumulazzjoni annwali fuq il-paga ’l fuq mill-franchise; iċċekkja l-ħarsa ġenerali UPO tal-fond tiegħek fuq mijnpensioenoverzicht.nl.","Tax in retirement":"Taxxa fl-irtirar","From AOW age the first bracket drops to 17.85% (no AOW premium) and credits are lower. Early workplace pension is possible from about 60 with a lower amount (≈5% a year here).":"Mill-età AOW l-ewwel faxxa tinżel għal 17.85% (mingħajr premium AOW) u l-krediti huma aktar baxxi. Pensjoni tal-post tax-xogħol kmieni hija possibbli minn madwar 60 b’ammont aktar baxx (≈5% fis-sena hawn).","Lijfrente / extra pension saving: contributions within the annual room (jaarruimte) are deducted at your box 1 rate; payouts from retirement are taxed as income, usually at a lower rate. Money saved outside it falls in box 3 (wealth tax on a deemed return).":"Lijfrente / iffrankar żejjed għall-pensjoni: il-kontribuzzjonijiet fl-ispazju annwali (jaarruimte) jitnaqqsu bir-rata box 1 tiegħek; il-ħlasijiet mill-irtirar jiġu ntaxxati bħala dħul, normalment b’rata aktar baxxa. Il-flus iffrankati barra minnu jaqgħu fil-box 3 (taxxa fuq il-ġid fuq rendiment meqjus).","King’s Day":"Jum ir-Re","At least 4 times your weekly working days a year (20 on a 5-day week); most collective agreements give 25. Statutory days expire 6 months after the year ends. Holiday allowance of 8% of pay is paid on top, usually in May. Liberation Day (5 May) is a paid holiday only in some agreements, every year or every 5 years.":"Mill-inqas 4 darbiet il-jiem tax-xogħol fil-ġimgħa fis-sena (20 f’ġimgħa ta’ 5 ijiem); il-biċċa l-kbira tal-ftehimiet kollettivi jagħtu 25. Il-jiem statutorji jiskadu 6 xhur wara li tispiċċa s-sena. Allowance tal-vaganzi ta’ 8% tal-paga titħallas barra, normalment f’Mejju. Jum il-Ħelsien (5 ta’ Mejju) huwa btala mħallsa biss f’xi ftehimiet, kull sena jew kull 5 snin.","Pregnancy and maternity leave":"Liv tat-tqala u tal-maternità","16 weeks (4–6 before the due date)":"16-il ġimgħa (4–6 qabel id-data mistennija)","100% from UWV, up to the maximum daily wage":"100% mill-UWV, sal-paga massima ta’ kuljum","Birth leave for the partner":"Liv tat-twelid għas-sieħeb","1 working week within 4 weeks of the birth":"Ġimgħa xogħol fi żmien 4 ġimgħat mit-twelid","100% by employer":"100% mill-prinċipal","Additional birth leave":"Liv addizzjonali tat-twelid","5 weeks within 6 months of the birth":"5 ġimgħat fi żmien 6 xhur mit-twelid","70% from UWV":"70% mill-UWV","26 times your weekly hours per parent until the child is 8; 9 weeks paid if taken in the first year":"26 darba s-sigħat fil-ġimgħa kull ġenitur sakemm it-tifel ikollu 8; 9 ġimgħat imħallsa jekk jittieħdu fl-ewwel sena","70% from UWV for 9 weeks, rest unpaid":"70% mill-UWV għal 9 ġimgħat, il-bqija mhux imħallas","Short-term care leave":"Liv tal-kura għal żmien qasir","2 times your weekly hours a year to care for a sick relative":"Darbtejn is-sigħat fil-ġimgħa fis-sena biex tieħu ħsieb qarib marid","70% by employer":"70% mill-prinċipal","Long-term care leave":"Liv tal-kura għal żmien twil","6 times your weekly hours a year":"6 darbiet is-sigħat fil-ġimgħa fis-sena","Up to 2 years of continued pay":"Sa sentejn ta’ paga kontinwa","At least 70% (often 100% the 1st year)":"Mill-inqas 70% (spiss 100% l-ewwel sena)","Dismissal (UWV permit or court)":"Tkeċċija (permess tal-UWV jew qorti)","Settlement agreement (vaststellingsovereenkomst)":"Ftehim ta’ saldu (vaststellingsovereenkomst)","On dismissal by the employer: ⅓ of a month’s pay (including holiday allowance and fixed extras) for every year of service, counted pro rata, from day one; maximum €102,000 or one year’s pay if higher (2026). Taxed as income. In a settlement agreement the amount is negotiated, often at least this.":"F’tkeċċija mill-prinċipal: terz ta’ xahar paga (inkluż l-allowance tal-vaganzi u extras fissi) għal kull sena ta’ servizz, pro rata, mill-ewwel jum; massimu €102,000 jew paga ta’ sena jekk ogħla (2026). Intaxxat bħala dħul. F’ftehim ta’ saldu l-ammont jiġi nnegozjat, spiss mill-inqas dan.","Employer: 1 month under 5 years of service, 2 months for 5–10, 3 for 10–15, 4 from 15 (1 month less after a UWV permit, minimum 1). Employee: 1 month.":"Prinċipal: xahar taħt 5 snin ta’ servizz, xahrejn għal 5–10, 3 għal 10–15, 4 mill-15 (xahar inqas wara permess tal-UWV, minimu 1). Impjegat: xahar.","Unemployment benefit (WW)":"Benefiċċju tal-qgħad (WW)","75% of your daily wage for 2 months, then 70%, with the daily wage capped at €304.25 (2026). Duration: 3 months, plus 1 month per year of work history (half a month per year after 10 years), up to 24 months. You must have worked 26 of the last 36 weeks; not after resigning.":"75% tal-paga ta’ kuljum għal xahrejn, imbagħad 70%, bil-paga ta’ kuljum b’limitu ta’ €304.25 (2026). Tul: 3 xhur, flimkien ma’ xahar għal kull sena ta’ storja tax-xogħol (nofs xahar kull sena wara 10 snin), sa 24 xahar. Trid tkun ħdimt 26 mill-aħħar 36 ġimgħa; mhux wara riżenja.","The Bonus field holds your 8% holiday allowance (vakantiegeld): remove it if your pay already includes it.":"Il-qasam Bonus fih l-allowance tal-vaganzi ta’ 8% (vakantiegeld): neħħih jekk il-paga diġà tinkludih.","Above €45,592 the labour tax credit fades by 6.51% of each extra euro, so your real marginal rate is higher than the 37.56% bracket.":"’Il fuq minn €45,592 il-kreditu tax-xogħol jonqos b’6.51% ta’ kull ewro żejjed, għalhekk ir-rata marġinali vera tiegħek hija ogħla mill-faxxa ta’ 37.56%.","Kinderbijslag €295–426 per child per quarter depending on age (2026), not means-tested; the income-related kindgebonden budget comes on top for lower incomes.":"Kinderbijslag €295–426 kull tifel kull kwart skont l-età (2026), mingħajr test tal-mezzi; il-kindgebonden budget, marbut mad-dħul, jiżdied għal dħul aktar baxx.","Transition payment ⅓ month per year (taxed)":"Ħlas ta’ tranżizzjoni terz ta’ xahar kull sena (intaxxat)","16 weeks at 100% (UWV)":"16-il ġimgħa b’100% (UWV)","1 week at 100% + 5 weeks at 70%":"Ġimgħa b’100% + 5 ġimgħat b’70%","26 weeks per parent until 8; 9 paid at 70% in the 1st year":"26 ġimgħa kull ġenitur sal-8; 9 imħallsa b’70% fl-ewwel sena","Up to 2 years at 70% or more":"Sa sentejn b’70% jew aktar","Annual tax as in the return; monthly payroll withholding uses the tables and credits spread over the year. The 30% ruling, health-insurance premium, allowances and cao-specific extras are not modelled.":"Taxxa annwali bħal fid-dikjarazzjoni; iż-żamma fix-xahar tuża t-tabelli u l-krediti mifruxa fuq is-sena. Ir-regola tat-30%, il-premium tas-saħħa, l-allowances u l-extras speċifiċi tal-cao mhumiex inklużi.","Official sources: Belastingdienst, SVB (AOW, kinderbijslag), UWV, mijnpensioenoverzicht.nl.":"Sorsi uffiċjali: Belastingdienst, SVB (AOW, kinderbijslag), UWV, mijnpensioenoverzicht.nl.","General tax credit at €50,000":"Kreditu ġenerali tat-taxxa b’€50,000","General tax credit reaches zero":"Il-kreditu ġenerali tat-taxxa jasal għal żero","Maximum labour tax credit (at €45,592)":"Kreditu massimu tax-xogħol (b’€45,592)","Box 1 tax before credits, €60,000":"Taxxa box 1 qabel il-krediti, €60,000","Full single AOW (per month, gross)":"AOW sħiħa għal persuna waħedha (fix-xahar, gross)","Transition payment, 6 years at €4,320/month (incl. holiday pay)":"Ħlas ta’ tranżizzjoni, 6 snin b’€4,320/xahar (inkluża l-paga tal-vaganzi)","Maximum WW base per month":"Bażi massima tal-WW fix-xahar","Kinderbijslag, child 6–11, first half 2026 (per quarter)":"Kinderbijslag, tifel 6–11, l-ewwel nofs tal-2026 (kull kwart)","Social security 13.07% after the work bonus":"Sigurtà soċjali 13.07% wara l-bonus tax-xogħol","Special social-security contribution":"Kontribuzzjoni speċjali tas-sigurtà soċjali","Work bonus (lower contributions + tax credit)":"Bonus tax-xogħol (kontribuzzjonijiet aktar baxxi + kreditu tat-taxxa)","Flat professional expenses deducted (30%, max €6,070)":"Spejjeż professjonali fissi mnaqqsa (30%, massimu €6,070)","Tax-free sum":"Somma ħielsa mit-taxxa","Child benefit, Flanders (paid separately)":"Benefiċċju tat-tfal, Flandri (imħallas separatament)","Social contributions for the self-employed (20.5%)":"Kontribuzzjonijiet soċjali għal min jaħdem għal rasu (20.5%)","worked, or paid as an indemnity":"maħdum, jew imħallas bħala kumpens","If you resign":"Jekk tirriżenja","Belgium":"Belġju","Municipal surcharge (%)":"Sopratassa muniċipali (%)","Household rate (spouse with no or low pension)":"Rata tad-dar (konjuġi bla pensjoni jew b’pensjoni baxxa)","Income tax 2026":"Taxxa fuq id-dħul 2026","Income 2026 (tax year 2027): 25% up to €16,720, 40% up to €29,510, 45% up to €51,070, 50% above, after social security and flat professional expenses (30%, max €6,070). Tax-free sum €11,550 plus €2,130 for 1 child, €5,130 for 2, €11,440 for 3. Municipal surcharge 0–9% of the tax (often 6–8%). Default pay: 13 months (end-of-year bonus) plus double holiday pay of 92% of a month in the Bonus field.":"Dħul 2026 (sena tat-taxxa 2027): 25% sa €16,720, 40% sa €29,510, 45% sa €51,070, 50% ’il fuq, wara s-sigurtà soċjali u l-ispejjeż professjonali fissi (30%, massimu €6,070). Somma ħielsa €11,550 flimkien ma’ €2,130 għal tifel, €5,130 għal 2, €11,440 għal 3. Sopratassa muniċipali 0–9% tat-taxxa (spiss 6–8%). Paga awtomatika: 13-il xahar (bonus tat-tmiem tas-sena) flimkien ma’ paga doppja tal-vaganzi ta’ 92% ta’ xahar fil-qasam Bonus.","Employee 13.07% of gross pay, reduced by the work bonus for monthly pay up to €3,403.62 (plus a tax credit of 33.14% / 52.54% of it). Special social-security contribution €0–60.94 a month depending on pay. Employer about 25% (capped from 2026), before structural reductions for low wages.":"Impjegat 13.07% tal-paga gross, imnaqqsa bil-bonus tax-xogħol għal paga fix-xahar sa €3,403.62 (flimkien ma’ kreditu tat-taxxa ta’ 33.14% / 52.54% minnu). Kontribuzzjoni speċjali tas-sigurtà soċjali €0–60.94 fix-xahar skont il-paga. Prinċipal madwar 25% (b’limitu mill-2026), qabel it-tnaqqis strutturali għal pagi baxxi.","Joint taxation of married couples (marital quotient), meal vouchers, company car and other benefits in kind, regional tax differences and the refundable child tax credit.":"It-taxxa konġunta ta’ koppji miżżewġin (kwozjent konjugali), vouchers tal-ikel, karozza tal-kumpanija u benefiċċji oħra in natura, id-differenzi reġjonali fit-taxxa u l-kreditu tat-taxxa rimborsabbli għat-tfal.","+50% for hours beyond 9 a day or 40 a week (or the agreed limit), +100% on Sundays and public holidays. Up to 11 hours a day and 50 a week; overtime must usually be recovered as time off within the reference period, except voluntary overtime (up to 360 hours a year from 2026).":"+50% għal sigħat ’il fuq minn 9 kuljum jew 40 fil-ġimgħa (jew il-limitu miftiehem), +100% fil-Ħdud u l-btajjel. Sa 11-il siegħa kuljum u 50 fil-ġimgħa; l-overtime normalment irid jiġi rkuprat b’ħin liberu fil-perjodu ta’ referenza, ħlief l-overtime volontarju (sa 360 siegħa fis-sena mill-2026).","Overtime is taxed at your marginal rate here. A special tax reduction on the first 180 overtime hours with a premium and the new tax-free voluntary hours can lower this; ask your payroll.":"L-overtime hawn jiġi ntaxxat bir-rata marġinali tiegħek. Tnaqqis speċjali tat-taxxa fuq l-ewwel 180 siegħa overtime b’premium u s-sigħat volontarji ġodda mingħajr taxxa jistgħu jnaqqsuha; staqsi lill-payroll.","11 h / day, 50 h / week":"11-il siegħa / jum, 50 / ġimgħa","Self-employed (zelfstandige / indépendant)":"Jaħdem għal rasu (zelfstandige / indépendant)","Social contributions 20.5% of net taxable income up to €75,024.54 and 14.16% up to €110,562.42, nothing above; minimum €890.42 a quarter in your main occupation (2026), plus the social-insurance fund’s fee (about 3–4%). Profit is taxed on the normal scale with the tax-free sum; actual business costs are deducted.":"Kontribuzzjonijiet soċjali ta’ 20.5% tad-dħul taxxabbli nett sa €75,024.54 u 14.16% sa €110,562.42, xejn ’il fuq; minimu €890.42 kull kwart fl-okkupazzjoni prinċipali (2026), flimkien mat-tariffa tal-fond tal-assigurazzjoni soċjali (madwar 3–4%). Il-profitt jiġi ntaxxat fuq l-iskala normali bis-somma ħielsa; l-ispejjeż veri tan-negozju jitnaqqsu.","Statutory pension":"Pensjoni statutorja","60% (or 75% household rate) of your career pay, capped at €82,608.94 a year, ÷ 45 for each year worked (max 45). Minimum pension €1,881.92 gross a month for a single person with a full career, pro rata from 30 years.":"60% (jew 75% rata tad-dar) tal-paga tal-karriera tiegħek, b’limitu ta’ €82,608.94 fis-sena, ÷ 45 għal kull sena maħduma (massimu 45). Pensjoni minima €1,881.92 gross fix-xahar għal persuna waħedha b’karriera sħiħa, pro rata minn 30 sena.","Pension age":"Età tal-pensjoni","Legal age 66 from 2025 and 67 from 2030 (born from 1964). Early: at 60 with 44 career years, 61 with 43, 63 with 42. From 2026 early retirement with fewer than 35 years of at least 156 working days costs 2–5% a year (by year of birth).":"Età legali 66 mill-2025 u 67 mill-2030 (imwielda mill-1964). Kmieni: fis-60 b’44 sena karriera, 61 b’43, 63 b’42. Mill-2026 l-irtirar kmieni b’inqas minn 35 sena ta’ mill-inqas 156 jum xogħol jiswa 2–5% fis-sena (skont is-sena tat-twelid).","Net pension":"Pensjoni netta","3.55% health contribution on higher pensions, income tax with the tax-free sum and a pension tax reduction (€2,182.06, reduced for higher incomes); small pensions pay no tax. Many employees also have a group insurance (2nd pillar) through the employer.":"Kontribuzzjoni tas-saħħa ta’ 3.55% fuq pensjonijiet ogħla, taxxa fuq id-dħul bis-somma ħielsa u tnaqqis tat-taxxa għall-pensjonijiet (€2,182.06, imnaqqas għal dħul ogħla); pensjonijiet żgħar ma jħallsux taxxa. Ħafna impjegati għandhom ukoll assigurazzjoni tal-grupp (it-tieni pilastru) permezz tal-prinċipal.","Pension savings (pensioensparen / épargne-pension): a 30% tax credit on up to €1,050 a year, or 25% on up to €1,350. The fund is taxed once at 8% when you turn 60, then paid out tax-free. Employer group insurance is tax-free for you within the 80% rule; the employer pays 4.4% tax on the premiums.":"Iffrankar għall-pensjoni (pensioensparen / épargne-pension): kreditu tat-taxxa ta’ 30% fuq sa €1,050 fis-sena, jew 25% fuq sa €1,350. Il-fond jiġi ntaxxat darba 8% meta tagħlaq 60, imbagħad jitħallas mingħajr taxxa. L-assigurazzjoni tal-grupp tal-prinċipal hija mingħajr taxxa għalik fir-regola tal-80%; il-prinċipal iħallas taxxa ta’ 4.4% fuq il-premiums.","20 days on a 5-day week (4 weeks), earned by working the previous year; in your first job you can take European supplementary leave. Holiday pay: your normal pay plus double holiday pay of 92% of a month. 10 public holidays; one falling on a Sunday is replaced by another day off.":"20 jum f’ġimgħa ta’ 5 ijiem (4 ġimgħat), miksuba billi taħdem is-sena ta’ qabel; fl-ewwel xogħol tiegħek tista’ tieħu liv supplimentari Ewropew. Paga tal-vaganzi: il-paga normali flimkien ma’ paga doppja tal-vaganzi ta’ 92% ta’ xahar. 10 btajjel pubbliċi; waħda li taqa’ l-Ħadd tinbidel b’jum liberu ieħor.","15 weeks (up to 6 before the birth, 9 after)":"15-il ġimgħa (sa 6 qabel it-twelid, 9 wara)","82% of pay for 30 days, then 75% (capped), from health insurance":"82% tal-paga għal 30 jum, imbagħad 75% (b’limitu), mill-assigurazzjoni tas-saħħa","Birth leave for the co-parent":"Liv tat-twelid għall-ġenitur l-ieħor","20 days within 4 months of the birth":"20 jum fi żmien 4 xhur mit-twelid","3 days 100% by employer, then 82% (capped) from health insurance":"3 ijiem 100% mill-prinċipal, imbagħad 82% (b’limitu) mill-assigurazzjoni tas-saħħa","4 months full time per parent per child until age 12 (or part time for longer)":"4 xhur full-time kull ġenitur kull tifel sal-età ta’ 12 (jew part-time għal aktar żmien)","Flat allowance from the National Employment Office (about €1,000 a month full time)":"Allowance fissa mill-Uffiċċju Nazzjonali tal-Impjieg (madwar €1,000 fix-xahar full-time)","1 month full time per person cared for, up to 6 months in a career; 5 days a year unpaid care leave":"Xahar full-time għal kull persuna kkurata, sa 6 xhur f’karriera; 5 ijiem fis-sena liv tal-kura mhux imħallas","Flat allowance":"Allowance fissa","Urgent family reasons":"Raġunijiet urġenti tal-familja","Up to 10 days a year":"Sa 10 ijiem fis-sena","Guaranteed pay for the first month (white-collar)":"Paga garantita l-ewwel xahar (white-collar)","100% by employer, then 60% (capped) from health insurance":"100% mill-prinċipal, imbagħad 60% (b’limitu) mill-assigurazzjoni tas-saħħa","Dismissal by the employer":"Tkeċċija mill-prinċipal","Notice or indemnity":"Avviż jew kumpens","Notice depends only on seniority (single status, 2014): 1 week under 3 months, 12 weeks after 2 years, 18 after 5, +3 a week per year to 60 at 19 years, 62 at 20, then +1 a year. The employer can pay the notice period instead (taxed). With 30 weeks or more, a third goes to job-search support (outplacement, training).":"L-avviż jiddependi biss mill-anzjanità (status uniku, 2014): ġimgħa taħt 3 xhur, 12-il ġimgħa wara sentejn, 18 wara 5, +3 ġimgħat kull sena sa 60 fid-19-il sena, 62 fl-20, imbagħad +1 kull sena. Il-prinċipal jista’ jħallas il-perjodu tal-avviż minflok (intaxxat). B’30 ġimgħa jew aktar, terz imur għal appoġġ biex issib xogħol (outplacement, taħriġ).","Resignation":"Riżenja","1 week under 3 months of service, rising to a maximum of 13 weeks after 8 years.":"Ġimgħa taħt 3 xhur ta’ servizz, togħla sa massimu ta’ 13-il ġimgħa wara 8 snin.","From March 2026: 65% of your capped daily pay for 3 months, then 60%, with lower caps over time (max €2,812.94 a month at first, amounts from September 2026). Limited to 12 months plus 1 month per 4 extra months of work, max 24. Not after resigning.":"Minn Marzu 2026: 65% tal-paga ta’ kuljum b’limitu għal 3 xhur, imbagħad 60%, b’limiti aktar baxxi maż-żmien (massimu €2,812.94 fix-xahar fil-bidu, ammonti minn Settembru 2026). Limitat għal 12-il xahar flimkien ma’ xahar għal kull 4 xhur xogħol żejda, massimu 24. Mhux wara riżenja.","The Bonus field holds the double holiday pay (92% of a month); the 13th month comes from paying 13 salaries.":"Il-qasam Bonus fih il-paga doppja tal-vaganzi (92% ta’ xahar); it-13-il xahar ġej mill-ħlas ta’ 13-il salarju.","Your pay qualifies for the work bonus: lower employee contributions and an extra tax credit.":"Il-paga tiegħek tikkwalifika għall-bonus tax-xogħol: kontribuzzjonijiet tal-impjegat aktar baxxi u kreditu tat-taxxa żejjed.","Paying €1,050 a year into pension savings gives back €315 in tax (30%) plus the municipal surcharge.":"Jekk tħallas €1,050 fis-sena f’iffrankar għall-pensjoni tieħu lura €315 f’taxxa (30%) flimkien mas-sopratassa muniċipali.","Child benefit is regional: Flanders (Groeipakket) €190.66 a month per child born from 2019 (September 2026), Wallonia and Brussels have their own amounts and age supplements. Married couples are taxed jointly, which this table does not model.":"Il-benefiċċju tat-tfal huwa reġjonali: Flandri (Groeipakket) €190.66 fix-xahar kull tifel imwieled mill-2019 (Settembru 2026), il-Wallonja u Brussell għandhom l-ammonti u s-supplimenti tal-età tagħhom. Il-koppji miżżewġin jiġu ntaxxati flimkien, li din it-tabella ma tikkalkulax.","15 weeks at 82%, then 75% (capped)":"15-il ġimgħa b’82%, imbagħad 75% (b’limitu)","20 days (3 at 100%, rest 82%)":"20 jum (3 b’100%, il-bqija 82%)","4 months per parent until 12, flat allowance":"4 xhur kull ġenitur sat-12, allowance fissa","1 month at 100% (white-collar), then 60%":"Xahar b’100% (white-collar), imbagħad 60%","White-collar employee taxed individually; annual tax as in the return (monthly withholding uses tables and can differ). Double holiday pay is treated like normal pay for contributions. Employer cost is the 25% basic rate without structural or first-hire reductions.":"Impjegat white-collar intaxxat individwalment; taxxa annwali bħal fid-dikjarazzjoni (iż-żamma fix-xahar tuża tabelli u tista’ tvarja). Il-paga doppja tal-vaganzi tiġi ttrattata bħall-paga normali għall-kontribuzzjonijiet. L-ispiża tal-prinċipal hija r-rata bażika ta’ 25% mingħajr tnaqqis strutturali jew tal-ewwel impjieg.","Official sources: FPS Finance (Tax-Calc), National Social Security Office (RSZ/ONSS instructions), Federal Pension Service (mypension.be), National Employment Office (RVA/ONEM), Groeipakket.":"Sorsi uffiċjali: FPS Finance (Tax-Calc), Uffiċċju Nazzjonali tas-Sigurtà Soċjali (struzzjonijiet RSZ/ONSS), Servizz Federali tal-Pensjonijiet (mypension.be), Uffiċċju Nazzjonali tal-Impjieg (RVA/ONEM), Groeipakket.","Tax on €51,070 before the tax-free sum":"Taxxa fuq €51,070 qabel is-somma ħielsa","Tax relief on the basic tax-free sum (€11,550)":"Ħelsien tat-taxxa fuq is-somma ħielsa bażika (€11,550)","Maximum flat professional expenses":"Spejjeż professjonali fissi massimi","Work bonus at €2,000/month (A + B, per month)":"Bonus tax-xogħol b’€2,000/xahar (A + B, fix-xahar)","Work bonus at €3,200/month (per month)":"Bonus tax-xogħol b’€3,200/xahar (fix-xahar)","Special SS contribution at €5,000/month (per quarter)":"Kontribuzzjoni speċjali SS b’€5,000/xahar (kull kwart)","Special SS contribution, maximum (per quarter)":"Kontribuzzjoni speċjali SS, massimu (kull kwart)","Self-employed minimum contributions (per year)":"Kontribuzzjonijiet minimi għal min jaħdem għal rasu (fis-sena)","Notice after 10 years of service (weeks)":"Avviż wara 10 snin ta’ servizz (ġimgħat)","Notice after 20 years of service (weeks)":"Avviż wara 20 sena ta’ servizz (ġimgħat)","Maximum unemployment benefit, months 1–3 (per month)":"Benefiċċju massimu tal-qgħad, xhur 1–3 (fix-xahar)","Minimum pension, single, full career (per month)":"Pensjoni minima, persuna waħedha, karriera sħiħa (fix-xahar)","Groeipakket base amount (per child, per month)":"Ammont bażiku tal-Groeipakket (kull tifel, fix-xahar)","Pension insurance 8.5%":"Assigurazzjoni tal-pensjoni 8.5%","Health insurance 3.05%":"Assigurazzjoni tas-saħħa 3.05%","Long-term care 1.4% (after a quarter of the minimum wage)":"Kura fit-tul 1.4% (wara kwart tal-paga minima)","Family allowance (paid separately, from age 0)":"Allowance tal-familja (imħallsa separatament, mill-età ta’ 0)","Self-employed contributions (pension 17%, health, care, accident)":"Kontribuzzjonijiet għal min jaħdem għal rasu (pensjoni 17%, saħħa, kura, inċidenti)","paid; the employer can release you from working it":"imħallas; il-prinċipal jista’ jeħilsek milli taħdmu","Luxembourg":"Lussemburgu","Class 1 (single)":"Klassi 1 (waħdu)","Class 2 (married or partnered, joint)":"Klassi 2 (miżżewweġ jew f’unjoni, konġunta)","Single parent (credit, class 1)":"Ġenitur waħdu (kreditu, klassi 1)","23 brackets from 0% (up to €13,230) to 42% (above €234,870); 39% from €54,090. Class 2 (married or partnered) splits income in two. 7% employment-fund surcharge on the tax (9% above €150,000). Employee credit up to €600 and CO2 credit €216 a year (none from €80,000 gross). Flat deductions €540 for expenses and €480 special expenses.":"23 faxxa minn 0% (sa €13,230) sa 42% (’il fuq minn €234,870); 39% minn €54,090. Il-klassi 2 (miżżewġin jew f’unjoni) taqsam id-dħul fi tnejn. Sopratassa ta’ 7% għall-fond tal-impjieg fuq it-taxxa (9% ’il fuq minn €150,000). Kreditu tal-impjegat sa €600 u kreditu CO2 ta’ €216 fis-sena (xejn minn €80,000 gross). Tnaqqis fiss ta’ €540 għall-ispejjeż u €480 spejjeż speċjali.","Employee 12.95%: pension 8.5% (up from 8% in 2026), health 3.05%, long-term care 1.4% (on pay above a quarter of the minimum wage, no ceiling). Ceiling 5× the minimum wage: €13,856.63 a month from June 2026. Employer about 12.6% (pension 8.5%, health 3.05%, accident 0.65%, occupational health 0.14%, employers’ mutual 0.23–2.66%).":"Impjegat 12.95%: pensjoni 8.5% (minn 8% fl-2026), saħħa 3.05%, kura fit-tul 1.4% (fuq il-paga ’l fuq minn kwart tal-paga minima, mingħajr limitu). Limitu ta’ 5 darbiet il-paga minima: €13,856.63 fix-xahar minn Ġunju 2026. Prinċipal madwar 12.6% (pensjoni 8.5%, saħħa 3.05%, inċidenti 0.65%, saħħa fuq ix-xogħol 0.14%, mutwalità tal-prinċipali 0.23–2.66%).","Class 1a (single parents, widowed) uses its own scale; travel-distance deductions, interest and insurance deductions, and the cross-border worker rules are not modelled. Wages are indexed automatically (last step June 2026).":"Il-klassi 1a (ġenituri waħedhom, romol) tuża l-iskala tagħha; it-tnaqqis għall-ivvjaġġar, l-imgħax u l-assigurazzjoni, u r-regoli tal-ħaddiema transkonfinali mhumiex inklużi. Il-pagi jiġu indiċjati awtomatikament (l-aħħar pass f’Ġunju 2026).","+40% for overtime (or 1.5 hours off per hour), +70% on Sundays, +100% on public holidays. Max 10 hours a day and 48 a week; overtime needs prior authorisation.":"+40% għall-overtime (jew siegħa u nofs liberu għal kull siegħa), +70% fil-Ħdud, +100% fil-btajjel. Massimu 10 sigħat kuljum u 48 fil-ġimgħa; l-overtime jeħtieġ awtorizzazzjoni minn qabel.","Overtime pay, and Sunday, holiday and night premiums, are exempt from income tax; social contributions still apply. Applied here.":"Il-paga tal-overtime, u l-premiums tal-Ħadd, tal-btajjel u ta’ bil-lejl, huma eżenti mit-taxxa fuq id-dħul; il-kontribuzzjonijiet soċjali xorta japplikaw. Applikat hawn.","10 h / day, 48 h / week":"10 sigħat / jum, 48 / ġimgħa","Self-employed (indépendant)":"Jaħdem għal rasu (indépendant)","Contributions on profit, at least on the minimum wage and at most on the ceiling: pension 17%, health 6.1%, accident 0.65%, employers’ mutual, plus 1.4% long-term care on all income. Profit is taxed on the normal scale with the self-employed credit (up to €600) and CO2 credit (€216).":"Kontribuzzjonijiet fuq il-profitt, mill-inqas fuq il-paga minima u l-aktar fuq il-limitu: pensjoni 17%, saħħa 6.1%, inċidenti 0.65%, mutwalità tal-prinċipali, flimkien ma’ 1.4% kura fit-tul fuq id-dħul kollu. Il-profitt jiġi ntaxxat fuq l-iskala normali bil-kreditu ta’ min jaħdem għal rasu (sa €600) u l-kreditu CO2 (€216).","Old-age pension (CNAP)":"Pensjoni tax-xjuħija (CNAP)","Flat part: up to €678.70 a month for 40 years (index 992.24) + proportional part: 1.763% of all your insured pay (2026), plus 0.016% for each year that age + career exceeds 95, max 2.05%. Minimum €2,436.04 a month with 40 years (pro rata from 20).":"Parti fissa: sa €678.70 fix-xahar għal 40 sena (indiċi 992.24) + parti proporzjonali: 1.763% tal-paga assigurata kollha tiegħek (2026), flimkien ma’ 0.016% għal kull sena li fiha l-età + il-karriera jaqbżu 95, massimu 2.05%. Minimu €2,436.04 fix-xahar b’40 sena (pro rata minn 20).","65 with at least 10 years of insurance; from 60 with 40 years (including credited periods) or from 57 with 40 years of contributions, without reduction. Pensions follow wage indexation.":"65 b’mill-inqas 10 snin ta’ assigurazzjoni; mis-60 b’40 sena (inklużi perjodi kkreditati) jew mis-57 b’40 sena ta’ kontribuzzjonijiet, mingħajr tnaqqis. Il-pensjonijiet isegwu l-indiċjar tal-pagi.","Health 2.8% and long-term care 1.4%, then income tax with the pensioner credit (similar to the employee credit).":"Saħħa 2.8% u kura fit-tul 1.4%, imbagħad taxxa fuq id-dħul bil-kreditu tal-pensjonant (simili għal dak tal-impjegat).","Private pension plans (art. 111bis) are deductible up to €4,500 a year per person (2026). Employer pension contributions are taxed at a flat 20% paid by the employer.":"Pjanijiet tal-pensjoni privati (art. 111bis) jitnaqqsu sa €4,500 fis-sena kull persuna (2026). Il-kontribuzzjonijiet tal-pensjoni tal-prinċipal jiġu ntaxxati b’20% fissa mħallsa mill-prinċipal.","Private pension savings (prévoyance-vieillesse, art. 111bis): deductible up to €4,500 a year, for at least 11 years and paid out not before 60. At payout up to half can be taken as a lump sum taxed at half your rate; the rest as an annuity, half of which is tax-free.":"Iffrankar privat għall-pensjoni (prévoyance-vieillesse, art. 111bis): jitnaqqas sa €4,500 fis-sena, għal mill-inqas 11-il sena u mħallas mhux qabel is-60. Fil-ħlas sa nofs jista’ jittieħed bħala somma f’daqqa intaxxata b’nofs ir-rata tiegħek; il-bqija bħala annwità, li nofsha mingħajr taxxa.","Europe Day":"Jum l-Ewropa","St Stephen’s Day":"San Stiefnu","26 working days a year (5-day week), whatever your age; collective agreements may add more. 11 public holidays; one falling on a Sunday gives a replacement day within 3 months.":"26 jum tax-xogħol fis-sena (ġimgħa ta’ 5 ijiem), tkun xi tkun l-età; il-ftehimiet kollettivi jistgħu jżidu aktar. 11-il btala pubblika; waħda li taqa’ l-Ħadd tagħti jum sostitut fi żmien 3 xhur.","20 weeks (8 before, 12 after the birth)":"20 ġimgħa (8 qabel, 12 wara t-twelid)","100% of pay from health insurance (up to the ceiling)":"100% tal-paga mill-assigurazzjoni tas-saħħa (sal-limitu)","10 days within 2 months of the birth":"10 ijiem fi żmien xahrejn mit-twelid","100% (employer, partly reimbursed by the state)":"100% (prinċipal, parzjalment rimborsat mill-istat)","4 or 6 months full time per parent until the child is 6 (also part time or split)":"4 jew 6 xhur full-time kull ġenitur sakemm it-tifel ikollu 6 (anke part-time jew maqsum)","Allowance based on pay, between the minimum wage and 5/3 of it":"Allowance ibbażata fuq il-paga, bejn il-paga minima u 5/3 tagħha","Leave for family reasons":"Liv għal raġunijiet tal-familja","12 days per child under 4, 18 for ages 4–12, 5 for 13–17":"12-il jum kull tifel taħt l-4, 18 għall-età 4–12, 5 għal 13–17","100% (health insurance)":"100% (assigurazzjoni tas-saħħa)","5 days a year":"5 ijiem fis-sena","Employer pays until the end of the month of the 77th day, then health insurance":"Il-prinċipal iħallas sal-aħħar tax-xahar tas-77 jum, imbagħad l-assigurazzjoni tas-saħħa","100% of pay, up to 78 weeks in 104":"100% tal-paga, sa 78 ġimgħa f’104","Dismissal with notice":"Tkeċċija b’avviż","By the employer: 2 months under 5 years of service, 4 months for 5–10 years, 6 months from 10. By you: half of that (1, 2 or 3 months).":"Mill-prinċipal: xahrejn taħt 5 snin ta’ servizz, 4 xhur għal 5–10 snin, 6 xhur mill-10. Minnek: nofs dan (1, 2 jew 3 xhur).","After 5 years: 1 month’s pay, 2 after 10, 3 after 15, 6 after 20, 9 after 25, 12 after 30 (small employers may extend the notice instead). Free of tax and social contributions. Not due on resignation or serious misconduct.":"Wara 5 snin: xahar paga, 2 wara 10, 3 wara 15, 6 wara 20, 9 wara 25, 12 wara 30 (prinċipali żgħar jistgħu jtawlu l-avviż minflok). Mingħajr taxxa u kontribuzzjonijiet soċjali. Mhux dovut f’riżenja jew imġiba ħażina serja.","80% of your gross pay (85% with a dependent child), capped at 2.5× the minimum wage (€6,928 a month) for 6 months, then 2×. Paid for as many months as you worked in the last 12 (at least 26 weeks), max 12; taxed. Not after resigning.":"80% tal-paga gross (85% bi tifel dipendenti), b’limitu ta’ 2.5× il-paga minima (€6,928 fix-xahar) għal 6 xhur, imbagħad 2×. Imħallas għal daqs kemm ħdimt xhur fl-aħħar 12 (mill-inqas 26 ġimgħa), massimu 12; intaxxat. Mhux wara riżenja.","Married or in a registered partnership? Class 2 usually lowers the tax a lot; choose it above.":"Miżżewweġ jew f’unjoni rreġistrata? Il-klassi 2 normalment tnaqqas ħafna t-taxxa; agħżilha hawn fuq.","Overtime and Sunday or holiday premiums are tax-free in Luxembourg: see the Extra pay tab.":"L-overtime u l-premiums tal-Ħadd jew tal-btajjel huma mingħajr taxxa fil-Lussemburgu: ara t-tab Paga żejda.","Family allowance €315.04 a month per child from June 2026, +€23.81 from age 6 and +€59.44 from age 12, paid regardless of income. Couples taxed in class 2 split their joint income.":"Allowance tal-familja ta’ €315.04 fix-xahar kull tifel minn Ġunju 2026, +€23.81 mill-età ta’ 6 u +€59.44 mill-età ta’ 12, imħallsa irrispettivament mid-dħul. Il-koppji ntaxxati fil-klassi 2 jaqsmu d-dħul konġunt tagħhom.","Severance after 5 years (1–12 months, tax-free)":"Kumpens wara 5 snin (1–12-il xahar, mingħajr taxxa)","20 weeks at 100%":"20 ġimgħa b’100%","10 days at 100%":"10 ijiem b’100%","4–6 months per parent until 6, paid allowance":"4–6 xhur kull ġenitur sas-6, b’allowance","100% up to 78 weeks":"100% sa 78 ġimgħa","Resident employee; annual tax as in the assessment (monthly withholding follows the tax card and can differ slightly). Class 1a, cross-border (non-resident) rules and individual deductions are not modelled. Employer cost uses mutual class 1.":"Impjegat resident; taxxa annwali bħal fl-istima (iż-żamma fix-xahar issegwi l-karta tat-taxxa u tista’ tvarja ftit). Il-klassi 1a, ir-regoli transkonfinali (mhux residenti) u t-tnaqqis individwali mhumiex inklużi. L-ispiża tal-prinċipal tuża l-klassi 1 tal-mutwalità.","Official sources: Administration des contributions directes (ACD), CCSS (social parameters), CNAP (pensions), ADEM (unemployment), CAE (family allowance), guichet.lu.":"Sorsi uffiċjali: Administration des contributions directes (ACD), CCSS (parametri soċjali), CNAP (pensjonijiet), ADEM (qgħad), CAE (allowance tal-familja), guichet.lu.","Tax class 1 on €54,090 (before surcharge)":"Taxxa klassi 1 fuq €54,090 (qabel is-sopratassa)","Employee tax credit at €30,000 gross":"Kreditu tat-taxxa tal-impjegat b’€30,000 gross","Employee + CO2 credit at €60,000 gross":"Kreditu tal-impjegat + CO2 b’€60,000 gross","Employee contributions, €5,000/month":"Kontribuzzjonijiet tal-impjegat, €5,000/xahar","Monthly contribution ceiling (5× minimum wage)":"Limitu tal-kontribuzzjoni fix-xahar (5× il-paga minima)","Minimum pension, 40 years (per month)":"Pensjoni minima, 40 sena (fix-xahar)","Severance after 20 years (months of pay)":"Kumpens wara 20 sena (xhur paga)","Maximum unemployment benefit, months 1–6":"Benefiċċju massimu tal-qgħad, xhur 1–6","Family allowance per child (per month)":"Allowance tal-familja kull tifel (fix-xahar)","Social insurance on monthly pay (18.07%)":"Assigurazzjoni soċjali fuq il-paga fix-xahar (18.07%)","Social insurance on 13th/14th salary (17.07%)":"Assigurazzjoni soċjali fuq it-13 u l-14-il salarju (17.07%)","Wage tax on monthly pay (after credits)":"Taxxa fuq il-paga fix-xahar (wara l-krediti)","Wage tax on 13th/14th salary (6%)":"Taxxa fuq it-13 u l-14-il salarju (6%)","Familienbonus Plus (tax credit)":"Familienbonus Plus (kreditu tat-taxxa)","Family allowance + child credit (paid separately, age 3–9)":"Allowance tal-familja + kreditu għat-tfal (imħallsa separatament, età 3–9)","Social insurance for the self-employed (SVS)":"Assigurazzjoni soċjali għal min jaħdem għal rasu (SVS)","6 weeks":"6 ġimgħat","Severance fund payout (Abfertigung neu, 1.53% a year, taxed 6%)":"Ħlas mill-fond tal-kumpens (Abfertigung neu, 1.53% fis-sena, intaxxat 6%)","to the end of a quarter, unless agreed otherwise":"sal-aħħar ta’ kwart, sakemm ma jkunx miftiehem mod ieħor","Severance fund (after 3 years)":"Fond tal-kumpens (wara 3 snin)","annual pay":"paga annwali","Austria":"Awstrija","Single earner or single parent (credit)":"Dħul wieħed jew ġenitur waħdu (kreditu)","Wage tax 2026":"Taxxa fuq il-paga 2026","On monthly pay: 0% to €13,539, 20% to €21,992, 30% to €36,458, 40% to €70,365, 48% to €104,859, 50% to €1 million, 55% above (a year), minus the transport credit €496. 13th and 14th salaries: €620 free, then 6% (up to one sixth of the year’s pay). Familienbonus Plus €2,000.16 a year per child under 18.":"Fuq il-paga fix-xahar: 0% sa €13,539, 20% sa €21,992, 30% sa €36,458, 40% sa €70,365, 48% sa €104,859, 50% sa €1 miljun, 55% ’il fuq (fis-sena), nieqes il-kreditu tat-trasport ta’ €496. It-13 u l-14-il salarju: €620 ħielsa, imbagħad 6% (sa sitt tal-paga tas-sena). Familienbonus Plus €2,000.16 fis-sena kull tifel taħt it-18.","Employee 18.07% (pension 10.25%, health 3.87%, unemployment 2.95%, chamber of labour 0.5%, housing 0.5%) up to €6,930 a month (0.25% more in Vienna); 17.07% on 13th/14th salary up to €13,860 a year. Unemployment insurance is 0–2% below €2,630 a month. Employer about 21.2% plus 3.7% family fund, municipal tax 3% and 1.53% severance fund.":"Impjegat 18.07% (pensjoni 10.25%, saħħa 3.87%, qgħad 2.95%, kamra tax-xogħol 0.5%, akkomodazzjoni 0.5%) sa €6,930 fix-xahar (0.25% aktar fi Vjenna); 17.07% fuq it-13 u l-14-il salarju sa €13,860 fis-sena. L-assigurazzjoni tal-qgħad hija 0–2% taħt €2,630 fix-xahar. Prinċipal madwar 21.2% flimkien ma’ 3.7% fond tal-familja, taxxa muniċipali 3% u 1.53% fond tal-kumpens.","Commuter allowance (Pendlerpauschale), negative tax refunds for low incomes, tax-free overtime and night premiums, and collective-agreement extras.":"Allowance għall-ivvjaġġar (Pendlerpauschale), rimborżi ta’ taxxa negattiva għal dħul baxx, premiums tal-overtime u ta’ bil-lejl mingħajr taxxa, u extras tal-ftehimiet kollettivi.","+50% for overtime (beyond 40 hours or the agreed normal hours), usually +100% on Sundays and public holidays by collective agreement. Max 12 hours a day and 60 a week, 48 on average over 17 weeks.":"+50% għall-overtime (’il fuq minn 40 siegħa jew is-sigħat normali miftiehma), normalment +100% fil-Ħdud u l-btajjel bil-ftehim kollettiv. Massimu 12-il siegħa kuljum u 60 fil-ġimgħa, 48 bħala medja fuq 17-il ġimgħa.","Part of the overtime premiums (for about 10 hours a month) and Sunday, holiday and night premiums up to €360 a month are tax-free; this tool taxes all extra pay at your marginal rate, so it slightly understates what you keep.":"Parti mill-premiums tal-overtime (għal madwar 10 sigħat fix-xahar) u l-premiums tal-Ħadd, tal-btajjel u ta’ bil-lejl sa €360 fix-xahar huma mingħajr taxxa; din l-għodda tintaxxa l-paga żejda kollha bir-rata marġinali tiegħek, għalhekk tissottovaluta ftit dak li żżomm.","12 h / day, 60 h / week":"12-il siegħa / jum, 60 / ġimgħa","New self-employed (SVS)":"Ġodda li jaħdmu għal rashom (SVS)","Social insurance on profit: pension 18.5%, health 6.8%, self-employed provision 1.53%, accident €12.07 a month; minimum base €551.10 and maximum €8,085 a month (2026). 15% basic profit allowance on profit up to €33,000, then the normal tariff. No 6% rate on 13th/14th salaries.":"Assigurazzjoni soċjali fuq il-profitt: pensjoni 18.5%, saħħa 6.8%, provvediment għal min jaħdem għal rasu 1.53%, inċidenti €12.07 fix-xahar; bażi minima €551.10 u massima €8,085 fix-xahar (2026). Allowance bażika ta’ 15% fuq profitt sa €33,000, imbagħad it-tariffa normali. L-ebda rata ta’ 6% fuq it-13 u l-14-il salarju.","Pension account (APG)":"Kont tal-pensjoni (APG)","Every year 1.78% of your contribution base (max €97,020 in 2026) is credited and revalued with average wages. The annual credit is your yearly pension, paid in 14 instalments; at least 15 years of insurance are needed.":"Kull sena 1.78% tal-bażi tal-kontribuzzjoni tiegħek (massimu €97,020 fl-2026) jiġi kkreditat u rivalutat mal-pagi medji. Il-kreditu annwali huwa l-pensjoni tiegħek tas-sena, imħallsa f’14-il pagament; jeħtieġu mill-inqas 15-il sena ta’ assigurazzjoni.","65 for men; for women rising from 60 to 65 for those born 1964–1968. Corridor pension from 62 with 40 years (rising to 63 and 42 years), −5.1% a year before 65; +4.2% a year for working on after 65 (max 3 years).":"65 għall-irġiel; għan-nisa togħla minn 60 għal 65 għal dawk imwielda fl-1964–1968. Pensjoni tal-kuritur mit-62 b’40 sena (togħla għal 63 u 42 sena), −5.1% fis-sena qabel il-65; +4.2% fis-sena għal min jibqa’ jaħdem wara l-65 (massimu 3 snin).","5.1% health insurance, wage tax with the pensioner credit; the 13th and 14th payments are taxed at 6%. Low pensions are topped up to the equalisation supplement (Ausgleichszulage).":"5.1% assigurazzjoni tas-saħħa, taxxa fuq il-paga bil-kreditu tal-pensjonant; it-13 u l-14-il ħlas jiġu ntaxxati 6%. Pensjonijiet baxxi jiżdiedu sas-suppliment tal-ugwalizzazzjoni (Ausgleichszulage).","Prämienbegünstigte Zukunftsvorsorge: the state adds 4.25% on up to €3,286.08 a year; capital gains are tax-free and a lifelong annuity is tax-free. Employer contributions to a pension fund (Pensionskasse) are tax-free now and taxed as pension later. Other savings pay 27.5% capital-gains tax.":"Prämienbegünstigte Zukunftsvorsorge: l-istat iżid 4.25% fuq sa €3,286.08 fis-sena; il-qligħ kapitali huwa mingħajr taxxa u annwità għal għomrok hija mingħajr taxxa. Il-kontribuzzjonijiet tal-prinċipal għal fond tal-pensjoni (Pensionskasse) huma mingħajr taxxa issa u jiġu ntaxxati bħala pensjoni wara. Iffrankar ieħor iħallas 27.5% taxxa fuq il-qligħ kapitali.","5 weeks a year: 25 working days on a 5-day week (30 working days on a 6-day count), rising to 6 weeks after 25 years with the employer. 13 public holidays; no replacement day when one falls on a weekend.":"5 ġimgħat fis-sena: 25 jum tax-xogħol f’ġimgħa ta’ 5 ijiem (30 f’għadd ta’ 6 ijiem), li jogħlew għal 6 ġimgħat wara 25 sena mal-istess prinċipal. 13-il btala pubblika; l-ebda jum sostitut meta waħda taqa’ fil-weekend.","Maternity protection":"Protezzjoni tal-maternità","8 weeks before and 8 after the birth (12 after a caesarean or premature birth)":"8 ġimgħat qabel u 8 wara t-twelid (12 wara caesarean jew twelid qabel iż-żmien)","Maternity benefit = average net pay of the last 3 months":"Benefiċċju tal-maternità = paga netta medja tal-aħħar 3 xhur","Father’s month (Papamonat)":"Xahar il-missier (Papamonat)","1 month after the birth":"Xahar wara t-twelid","Family-time bonus about €55 a day":"Bonus tal-ħin tal-familja madwar €55 kuljum","Parental leave (Karenz)":"Liv tal-ġenituri (Karenz)","Until the child is 2 if both parents take part (22 months if only one)":"Sakemm it-tifel ikollu 2 jekk iż-żewġ ġenituri jipparteċipaw (22 xahar jekk wieħed biss)","Childcare benefit: flat account or 80% of income (max about €76 a day)":"Benefiċċju tal-kura tat-tfal: kont fiss jew 80% tad-dħul (massimu madwar €76 kuljum)","Care leave (Pflegefreistellung)":"Liv tal-kura (Pflegefreistellung)","1 week a year, plus 1 more for a child under 12":"Ġimgħa fis-sena, flimkien ma’ oħra għal tifel taħt it-12","6 weeks full pay (8 after 1 year, 10 after 15, 12 after 25), then 4 weeks half pay":"6 ġimgħat paga sħiħa (8 wara sena, 10 wara 15, 12 wara 25), imbagħad 4 ġimgħat nofs paga","By employer, then health-insurance sick pay":"Mill-prinċipal, imbagħad paga tal-mard mill-assigurazzjoni tas-saħħa","Employer: 6 weeks under 2 years of service, 2 months from 2, 3 months from 5, 4 months from 15, 5 months from 25, to the end of a quarter (or the 15th or last day of a month if the contract says so). Employee: 1 month to the end of a month.":"Prinċipal: 6 ġimgħat taħt sentejn ta’ servizz, xahrejn mill-2, 3 xhur mill-5, 4 xhur mill-15, 5 xhur mill-25, sal-aħħar ta’ kwart (jew il-15 jew l-aħħar jum ta’ xahar jekk il-kuntratt jgħid hekk). Impjegat: xahar sal-aħħar ta’ xahar.","Severance (Abfertigung neu)":"Kumpens (Abfertigung neu)","For jobs since 2003 the employer pays 1.53% of pay into a severance fund from the 2nd month. After 3 years of contributions you can take the balance on dismissal (taxed 6%) or leave it for your pension; it is never lost on resignation, only carried forward.":"Għal impjiegi mill-2003 il-prinċipal iħallas 1.53% tal-paga f’fond tal-kumpens mit-tieni xahar. Wara 3 snin ta’ kontribuzzjonijiet tista’ tieħu l-bilanċ meta titkeċċa (intaxxat 6%) jew tħallih għall-pensjoni; qatt ma jintilef f’riżenja, jgħaddi biss.","55% of your net daily income (from the previous year’s gross, up to the contribution ceiling), plus family supplements. 20 weeks; 30 with 3 years of insurance in 5; 39 from age 40 with 6 years in 10; 52 from 50 with 9 years in 15. After resigning there is a 4-week wait.":"55% tad-dħul nett ta’ kuljum (mill-gross tas-sena ta’ qabel, sal-limitu tal-kontribuzzjoni), flimkien ma’ supplimenti tal-familja. 20 ġimgħa; 30 bi 3 snin ta’ assigurazzjoni f’5; 39 mill-età ta’ 40 b’6 snin f’10; 52 mill-50 b’9 snin f’15. Wara riżenja hemm stennija ta’ 4 ġimgħat.","Austria pays 14 salaries: the 13th and 14th are taxed at only 6%, so compare offers by annual pay.":"L-Awstrija tħallas 14-il salarju: it-13 u l-14 jiġu ntaxxati 6% biss, għalhekk qabbel l-offerti bil-paga annwali.","Each child under 18 cuts your tax by up to €2,000.16 a year (Familienbonus Plus).":"Kull tifel taħt it-18 inaqqas it-taxxa tiegħek sa €2,000.16 fis-sena (Familienbonus Plus).","Family allowance €138.40–200.40 a month per child by age, plus the child tax credit €70.90 a month (2026, frozen at 2025 levels), paid together; not means-tested. Familienbonus Plus cuts tax by up to €2,000.16 per child.":"Allowance tal-familja €138.40–200.40 fix-xahar kull tifel skont l-età, flimkien mal-kreditu tat-taxxa għat-tfal ta’ €70.90 fix-xahar (2026, iffriżati fil-livelli tal-2025), imħallsa flimkien; mingħajr test tal-mezzi. Il-Familienbonus Plus inaqqas it-taxxa sa €2,000.16 kull tifel.","Severance fund balance after 3 years (1.53% a year, 6% tax)":"Bilanċ tal-fond tal-kumpens wara 3 snin (1.53% fis-sena, taxxa 6%)","16 weeks at 100% of net (8 + 8)":"16-il ġimgħa b’100% tan-nett (8 + 8)","1 month with family-time bonus (~€55/day)":"Xahar bil-bonus tal-ħin tal-familja (~€55/jum)","Until age 2, childcare benefit flat or 80% of income":"Sal-età ta’ 2, benefiċċju tal-kura tat-tfal fiss jew 80% tad-dħul","6–12 weeks full pay, then half, then health insurance":"6–12-il ġimgħa paga sħiħa, imbagħad nofs, imbagħad assigurazzjoni tas-saħħa","White-collar employee with 14 salaries; wage tax as withheld on regular pay and special payments. Commuter allowance, tax-free overtime and night premiums, negative tax refunds and collective-agreement extras are not modelled.":"Impjegat white-collar b’14-il salarju; taxxa fuq il-paga kif miżmuma fuq il-paga regolari u l-ħlasijiet speċjali. L-allowance għall-ivvjaġġar, il-premiums tal-overtime u ta’ bil-lejl mingħajr taxxa, ir-rimborżi ta’ taxxa negattiva u l-extras tal-ftehimiet kollettivi mhumiex inklużi.","Official sources: BMF (Brutto-Netto-Rechner, Steuerbuch 2026), Österreichische Gesundheitskasse (Veränderliche Werte 2026), Pensionsversicherungsanstalt, AMS, oesterreich.gv.at.":"Sorsi uffiċjali: BMF (Brutto-Netto-Rechner, Steuerbuch 2026), Österreichische Gesundheitskasse (Veränderliche Werte 2026), Pensionsversicherungsanstalt, AMS, oesterreich.gv.at.","Net per year, €2,400 × 14 (Styria)":"Nett fis-sena, €2,400 × 14 (Styria)","Net per year, €4,000 × 14 (Styria)":"Nett fis-sena, €4,000 × 14 (Styria)","Net per year, €8,000 × 14 (above the ceiling)":"Nett fis-sena, €8,000 × 14 (’il fuq mil-limitu)","Wage tax per year, €4,000 × 14":"Taxxa fuq il-paga fis-sena, €4,000 × 14","Tariff tax on €40,000":"Taxxa tat-tariffa fuq €40,000","Tax on 13th/14th salary of €8,000 (after 17.07% SS)":"Taxxa fuq it-13 u l-14-il salarju ta’ €8,000 (wara 17.07% SS)","Employee social insurance, €4,000/month (per month)":"Assigurazzjoni soċjali tal-impjegat, €4,000/xahar (fix-xahar)","Employee social insurance, €2,300/month (1% unemployment)":"Assigurazzjoni soċjali tal-impjegat, €2,300/xahar (1% qgħad)","Employee social insurance at the ceiling (per month)":"Assigurazzjoni soċjali tal-impjegat fil-limitu (fix-xahar)","Pension credit for one year at €50,000":"Kreditu tal-pensjoni għal sena b’€50,000","Familienbonus Plus per child (per year)":"Familienbonus Plus kull tifel (fis-sena)","Family allowance + child credit, age 3–9 (per month)":"Allowance tal-familja + kreditu għat-tfal, età 3–9 (fix-xahar)","Your money, calculated":"Flusek, ikkalkulati","Social security 11%":"Sigurtà soċjali 11%","IRS income tax (after deductions)":"Taxxa fuq id-dħul IRS (wara t-tnaqqis)","Taxable income (after the €4,587 specific deduction)":"Dħul taxxabbli (wara t-tnaqqis speċifiku ta’ €4,587)","IRS Jovem exemption":"Eżenzjoni IRS Jovem","Independent workers’ social security (21.4% on 70%)":"Sigurtà soċjali ta’ ħaddiema indipendenti (21.4% fuq 70%)","written notice for collective dismissal or job extinction":"avviż bil-miktub għal tkeċċija kollettiva jew tneħħija tal-pożizzjoni","Compensation":"Kumpens","14 days per year (max 12 months)":"14-il jum kull sena (massimu 12-il xahar)","Portugal":"Portugall","Single (or separate filing)":"Waħdu (jew dikjarazzjoni separata)","Married, joint filing, sole earner":"Miżżewweġ, dikjarazzjoni konġunta, dħul wieħed","IRS Jovem: year of work (1–10, 0 = no)":"IRS Jovem: sena tax-xogħol (1–10, 0 = le)","Nine brackets from 12.5% (up to €8,342) to 48% (above €86,634), after the specific deduction of €4,587.09 (or your social security if higher). Solidarity surcharge 2.5% above €80,000 and 5% above €250,000. Tax credits: €250 general family expenses per taxpayer, €600 per child. Nobody is left with less than €12,880 after tax (minimum of existence). Usually 14 salaries.":"Disa’ faxex minn 12.5% (sa €8,342) sa 48% (’il fuq minn €86,634), wara t-tnaqqis speċifiku ta’ €4,587.09 (jew is-sigurtà soċjali tiegħek jekk ogħla). Sopratassa ta’ solidarjetà ta’ 2.5% ’il fuq minn €80,000 u 5% ’il fuq minn €250,000. Krediti tat-taxxa: €250 spejjeż ġenerali tal-familja kull kontribwent, €600 kull tifel. Ħadd ma jibqa’ b’inqas minn €12,880 wara t-taxxa (minimu tal-eżistenza). Normalment 14-il salarju.","Up to age 35, the first 10 years of work are partly exempt: 100% in year 1, 75% in years 2–4, 50% in years 5–7, 25% in years 8–10, on income up to €29,542 (55 × IAS).":"Sal-età ta’ 35, l-ewwel 10 snin ta’ xogħol huma parzjalment eżenti: 100% fl-ewwel sena, 75% fis-snin 2–4, 50% fis-snin 5–7, 25% fis-snin 8–10, fuq dħul sa €29,542 (55 × IAS).","Employee 11%, employer 23.75%, with no ceiling. Minimum wage €920 a month (14 payments) in 2026.":"Impjegat 11%, prinċipal 23.75%, mingħajr limitu. Paga minima €920 fix-xahar (14-il ħlas) fl-2026.","On working days +25% for the first hour and +37.5% for each further hour; +50% on rest days and public holidays. Max 2 hours a day and 150 hours a year (175 in small firms, up to 200 by collective agreement).":"F’jiem tax-xogħol +25% għall-ewwel siegħa u +37.5% għal kull siegħa oħra; +50% f’jiem ta’ mistrieħ u btajjel. Massimu sagħtejn kuljum u 150 siegħa fis-sena (175 f’ditti żgħar, sa 200 bi ftehim kollettiv).","Overtime is taxed and insured like normal pay.":"L-overtime jiġi ntaxxat u assigurat bħall-paga normali.","150 h / year":"150 siegħa / sena","Independent worker (recibos verdes)":"Ħaddiem indipendenti (recibos verdes)","Simplified regime for services: 75% of turnover is taxed on the normal IRS scale (part of it only if you show 15% of expenses). Social security 21.4% on 70% of turnover, declared quarterly; exempt in the first 12 months. VAT exemption below €15,000.":"Reġim simplifikat għas-servizzi: 75% tal-fatturat jiġi ntaxxat fuq l-iskala normali IRS (parti minnu biss jekk turi 15% spejjeż). Sigurtà soċjali ta’ 21.4% fuq 70% tal-fatturat, iddikjarata kull kwart; eżenti fl-ewwel 12-il xahar. Eżenzjoni tal-VAT taħt €15,000.","Old-age pension":"Pensjoni tax-xjuħija","Reference earnings = average of your best 40 years (revalued), ÷ 14. Each year of contributions adds 2.3% of the part up to 1.1 × IAS, 2.25% up to 2 × IAS, 2.2% up to 4 × IAS, 2.1% up to 8 × IAS and 2% above (IAS €537.13 in 2026). Minimum 15 years. Paid 14 times a year.":"Qligħ ta’ referenza = medja tal-aħjar 40 sena tiegħek (rivalutata), ÷ 14. Kull sena ta’ kontribuzzjonijiet iżżid 2.3% tal-parti sa 1.1 × IAS, 2.25% sa 2 × IAS, 2.2% sa 4 × IAS, 2.1% sa 8 × IAS u 2% ’il fuq (IAS €537.13 fl-2026). Minimu 15-il sena. Imħallsa 14-il darba fis-sena.","Normal age 66 years 9 months in 2026 and 66 years 11 months in 2027, then linked to life expectancy. It drops by 4 months for each year above 40 of contributions at age 60. Early from 60 with 40 years: −0.5% a month before your personal age. Working past it adds a bonus.":"Età normali 66 sena u 9 xhur fl-2026 u 66 sena u 11-il xahar fl-2027, imbagħad marbuta mal-istennija tal-ħajja. Tinżel 4 xhur għal kull sena ’l fuq minn 40 ta’ kontribuzzjonijiet fl-età ta’ 60. Kmieni mis-60 b’40 sena: −0.5% kull xahar qabel l-età personali tiegħek. Taħdem wara żżid bonus.","Pensions pay IRS after the same €4,587 deduction, but no social security. Low pensions are topped up by the solidarity supplement for the elderly (CSI).":"Il-pensjonijiet iħallsu l-IRS wara l-istess tnaqqis ta’ €4,587, iżda mingħajr sigurtà soċjali. Pensjonijiet baxxi jiżdiedu bis-suppliment ta’ solidarjetà għall-anzjani (CSI).","Plano Poupança Reforma (PPR): 20% of what you pay is credited against IRS within the age-based cap. Withdrawals after 60 (or 5 years) tax only the gains at an effective 8%; early withdrawals lose the credit. Other savings pay 28% on returns.":"Plano Poupança Reforma (PPR): 20% ta’ dak li tħallas jiġi kkreditat kontra l-IRS fil-limitu skont l-età. Il-ġbid wara s-60 (jew 5 snin) jintaxxa biss il-qligħ b’rata effettiva ta’ 8%; il-ġbid kmieni jitlef il-kreditu. Iffrankar ieħor iħallas 28% fuq ir-rendimenti.","Freedom Day":"Jum il-Libertà","Portugal Day":"Jum il-Portugall","Restoration of Independence":"Restawr tal-Indipendenza","22 working days a year; in the year you start, 2 days per month worked (max 20). Holiday pay (subsídio de férias) of one month’s pay is paid on top, with the Christmas bonus as the 13th and 14th salaries. 13 national holidays (one is always a Sunday) plus a municipal holiday; Carnival is often given.":"22 jum tax-xogħol fis-sena; fis-sena li tibda, jumejn għal kull xahar maħdum (massimu 20). Paga tal-vaganzi (subsídio de férias) ta’ xahar paga titħallas barra, bil-bonus tal-Milied bħala t-13 u l-14-il salarju. 13-il btala nazzjonali (waħda dejjem taqa’ l-Ħadd) flimkien ma’ btala muniċipali; il-Karnival spiss jingħata.","Initial parental leave":"Liv inizjali tal-ġenituri","120 days at 100% or 150 days at 80% (180 days at 83% if shared); the mother takes 42 days after birth":"120 jum b’100% jew 150 jum b’80% (180 jum b’83% jekk maqsum); l-omm tieħu 42 jum wara t-twelid","Social security, on reference pay":"Sigurtà soċjali, fuq il-paga ta’ referenza","Father’s exclusive leave":"Liv esklużiv tal-missier","28 days in the 42 days after birth (7 right after), plus 7 optional":"28 jum fit-42 jum wara t-twelid (7 eżatt wara), flimkien ma’ 7 fakultattivi","100% from social security":"100% mis-sigurtà soċjali","Extended parental leave":"Liv estiż tal-ġenituri","3 months per parent after the initial leave":"3 xhur kull ġenitur wara l-liv inizjali","30%–40% of reference pay":"30%–40% tal-paga ta’ referenza","Care for a sick child":"Kura ta’ tifel marid","Up to 30 days a year (child under 12)":"Sa 30 jum fis-sena (tifel taħt it-12)","65% from social security":"65% mis-sigurtà soċjali","Informal carer leave":"Liv għal carer informali","5 working days a year":"5 ijiem tax-xogħol fis-sena","Unpaid by employer":"Mhux imħallas mill-prinċipal","3 waiting days, then sickness benefit":"3 ijiem ta’ stennija, imbagħad benefiċċju tal-mard","55% the first 30 days, rising to 75% after a year":"55% l-ewwel 30 jum, jogħla sa 75% wara sena","Dismissal (collective or job extinction)":"Tkeċċija (kollettiva jew tneħħija tal-pożizzjoni)","For collective dismissal or extinction of the job: 14 days of base pay plus seniority pay per year of service (pro rata), with pay counted up to 20 minimum wages and a total cap of 12 months’ pay or 240 minimum wages. Tax-free at this legal level.":"Għal tkeċċija kollettiva jew tneħħija tal-pożizzjoni: 14-il jum paga bażika flimkien ma’ paga tal-anzjanità għal kull sena ta’ servizz (pro rata), bil-paga magħduda sa 20 paga minima u limitu totali ta’ 12-il xahar paga jew 240 paga minima. Mingħajr taxxa f’dan il-livell legali.","Employer: 15 days under 1 year of service, 30 days for 1–5 years, 60 for 5–10, 75 from 10. Employee: 30 days under 2 years, 60 from 2.":"Prinċipal: 15-il jum taħt sena ta’ servizz, 30 jum għal 1–5 snin, 60 għal 5–10, 75 mill-10. Impjegat: 30 jum taħt sentejn, 60 mill-2.","65% of your gross reference pay, between €537.13 (IAS) and €1,342.83 (2.5 × IAS) a month and not above 75% of net pay; −10% after 6 months. Duration 5 to 18 months by age and contribution record, plus extra months for long careers. Needs 360 days of work in the last 24 months; not after resigning.":"65% tal-paga gross ta’ referenza, bejn €537.13 (IAS) u €1,342.83 (2.5 × IAS) fix-xahar u mhux ’il fuq minn 75% tal-paga netta; −10% wara 6 xhur. Tul ta’ 5 sa 18-il xahar skont l-età u r-rekord tal-kontribuzzjonijiet, flimkien ma’ xhur żejda għal karrieri twal. Jeħtieġ 360 jum xogħol fl-aħħar 24 xahar; mhux wara riżenja.","Under 35 and in your first 10 years of work? IRS Jovem can exempt part of your pay: set your year of work above.":"Taħt il-35 u fl-ewwel 10 snin tax-xogħol? L-IRS Jovem jista’ jeżenta parti mill-paga tiegħek: daħħal is-sena tax-xogħol hawn fuq.","Paying into a PPR gives back 20% of it as a tax credit (up to €300–400 a year).":"Il-ħlas f’PPR jagħtik lura 20% bħala kreditu tat-taxxa (sa €300–400 fis-sena).","Child benefit (abono de família) depends on household income bands and is not paid above the 4th band; a child guarantee supplement exists for low incomes. Married couples can file jointly, which the household table does not model.":"Il-benefiċċju tat-tfal (abono de família) jiddependi mill-faxex tad-dħul tad-dar u ma jitħallasx ’il fuq mir-4 faxxa; jeżisti suppliment għal dħul baxx. Il-koppji miżżewġin jistgħu jagħmlu dikjarazzjoni konġunta, li t-tabella tad-dar ma tikkalkulax.","Compensation 14 days per year (tax-free)":"Kumpens ta’ 14-il jum kull sena (mingħajr taxxa)","120 days at 100% (or 150 at 80%)":"120 jum b’100% (jew 150 b’80%)","28 days at 100% + 7 optional":"28 jum b’100% + 7 fakultattivi","3 months per parent at 30–40%":"3 xhur kull ġenitur b’30–40%","3 waiting days, then 55–75%":"3 ijiem ta’ stennija, imbagħad 55–75%","Annual IRS as in the return for one taxpayer (or a married couple filing jointly with one income); monthly withholding uses tables and can differ. Health, education and housing deductions, the autonomous regions’ lower rates (Azores, Madeira) and meal allowances are not modelled.":"IRS annwali bħal fid-dikjarazzjoni għal kontribwent wieħed (jew koppja miżżewġa b’dikjarazzjoni konġunta u dħul wieħed); iż-żamma fix-xahar tuża tabelli u tista’ tvarja. It-tnaqqis għas-saħħa, l-edukazzjoni u l-akkomodazzjoni, ir-rati aktar baxxi tar-reġjuni awtonomi (Azores, Madeira) u l-allowance tal-ikel mhumiex inklużi.","Official sources: Portal das Finanças (AT), Segurança Social (pension and unemployment guides), INE, portugal.gov.pt.":"Sorsi uffiċjali: Portal das Finanças (AT), Segurança Social (gwidi dwar il-pensjoni u l-qgħad), INE, portugal.gov.pt.","IRS scale on €43,090 taxable income":"Skala IRS fuq dħul taxxabbli ta’ €43,090","Specific deduction for employment income":"Tnaqqis speċifiku għad-dħul mill-impjieg","Employee social security, €1,700 × 14":"Sigurtà soċjali tal-impjegat, €1,700 × 14","No IRS at the minimum wage (€920 × 14)":"L-ebda IRS bil-paga minima (€920 × 14)","Maximum unemployment benefit (per month)":"Benefiċċju massimu tal-qgħad (fix-xahar)","Compensation, 10 years at €1,500 base pay":"Kumpens, 10 snin b’€1,500 paga bażika","Accrual rate on reference earnings of €500 (per year)":"Rata ta’ akkumulazzjoni fuq qligħ ta’ referenza ta’ €500 (fis-sena)","PRSI (4.2%, 4.35% from October)":"PRSI (4.2%, 4.35% minn Ottubru)","Auto-enrolment pension (My Future Fund) 1.5%":"Pensjoni ta’ awto-reġistrazzjoni (My Future Fund) 1.5%","Income tax after credits":"Taxxa fuq id-dħul wara l-krediti","Child Benefit (paid separately)":"Child Benefit (imħallas separatament)","Employer 1.5% + State 0.5% into your pot":"Prinċipal 1.5% + Stat 0.5% fil-fond tiegħek","PRSI Class S (4.2–4.35%)":"PRSI Klassi S (4.2–4.35%)","Statutory redundancy (2 weeks per year + 1, tax-free)":"Redundancy statutorja (ġimagħtejn kull sena + 1, mingħajr taxxa)","minimum by law; contracts often give more":"minimu legali; il-kuntratti spiss jagħtu aktar","1 week":"Ġimgħa","2 weeks per year + 1 week (pay up to €600/week)":"Ġimagħtejn kull sena + ġimgħa (paga sa €600/ġimgħa)","Ireland":"Irlanda","Tax status":"Status tat-taxxa","Married or civil partners, one income":"Miżżewġin jew sħab ċivili, dħul wieħed","Auto-enrolment (My Future Fund)":"Awto-reġistrazzjoni (My Future Fund)","20% up to €44,000 (single), €53,000 (married, one income) or €48,000 (single parent), 40% above. Tax credits: personal €2,000 (€4,000 married), employee €2,000, single parent €1,900. Pension contributions are relieved at your marginal rate.":"20% sa €44,000 (waħdu), €53,000 (miżżewweġ, dħul wieħed) jew €48,000 (ġenitur waħdu), 40% ’il fuq. Krediti tat-taxxa: personali €2,000 (€4,000 miżżewweġ), impjegat €2,000, ġenitur waħdu €1,900. Il-kontribuzzjonijiet għall-pensjoni jitnaqqsu bir-rata marġinali tiegħek.","USC and PRSI":"USC u PRSI","USC 0.5% up to €12,012, 2% up to €28,700, 3% up to €70,044, 8% above (none if income is €13,000 or less). PRSI 4.2%, rising to 4.35% from 1 October 2026, with a tapered credit between €352 and €424 a week. Employer PRSI 11.25% (11.40% from October). Minimum wage €14.15 an hour.":"USC 0.5% sa €12,012, 2% sa €28,700, 3% sa €70,044, 8% ’il fuq (xejn jekk id-dħul huwa €13,000 jew inqas). PRSI 4.2%, li togħla għal 4.35% mill-1 ta’ Ottubru 2026, b’kreditu li jonqos bejn €352 u €424 fil-ġimgħa. PRSI tal-prinċipal 11.25% (11.40% minn Ottubru). Paga minima €14.15 fis-siegħa.","Auto-enrolment":"Awto-reġistrazzjoni","From 1 January 2026, employees aged 23–60 earning over €20,000 without a workplace pension join My Future Fund: 1.5% from you, 1.5% from the employer and 0.5% from the State, on pay up to €80,000 (rising every 3 years to 6% each). You can opt out after 6 months.":"Mill-1 ta’ Jannar 2026, impjegati ta’ 23–60 sena li jaqilgħu aktar minn €20,000 mingħajr pensjoni tal-post tax-xogħol jidħlu fil-My Future Fund: 1.5% minnek, 1.5% mill-prinċipal u 0.5% mill-Istat, fuq paga sa €80,000 (togħla kull 3 snin sa 6% kull wieħed). Tista’ toħroġ wara 6 xhur.","Irish law sets no overtime rate; it comes from your contract (time-and-a-half is common). Sunday work must be compensated by a premium or time off. Average working week max 48 hours (over 4 months).":"Il-liġi Irlandiża ma tistabbilixxi l-ebda rata tal-overtime; tiġi mill-kuntratt (darba u nofs huwa komuni). Ix-xogħol tal-Ħadd irid jiġi kkumpensat bi premium jew ħin liberu. Ġimgħa medja massimu 48 siegħa (fuq 4 xhur).","Overtime pays income tax, USC and PRSI like normal pay, often at 52% at the margin.":"L-overtime iħallas taxxa fuq id-dħul, USC u PRSI bħall-paga normali, spiss 52% fil-marġni.","Self-employed":"Jaħdem għal rasu","Income tax with the personal and earned income credits (€2,000 each), USC with an extra 3% above €100,000, and PRSI Class S at the employee rate (minimum €650 a year). Pay and file through Revenue’s self-assessment (Form 11) with preliminary tax.":"Taxxa fuq id-dħul bil-krediti personali u tad-dħul maqlugħ (€2,000 kull wieħed), USC b’3% żejda ’l fuq minn €100,000, u PRSI Klassi S bir-rata tal-impjegati (minimu €650 fis-sena). Ħallas u ddikjara permezz tal-awto-valutazzjoni tar-Revenue (Form 11) b’taxxa preliminari.","State Pension (Contributory)":"Pensjoni Statali (Kontributorja)","Up to €299.30 a week in 2026 (+€10 from age 80), from age 66. Under the total contributions approach you need 2,080 weekly contributions (40 years) for the full rate, with a pro rata rate from 520 (10 years). It can be deferred to 70 for a higher weekly rate.":"Sa €299.30 fil-ġimgħa fl-2026 (+€10 mill-età ta’ 80), mill-età ta’ 66. Bil-metodu tal-kontribuzzjonijiet totali għandek bżonn 2,080 kontribuzzjoni fil-ġimgħa (40 sena) għar-rata sħiħa, b’rata pro rata minn 520 (10 snin). Tista’ tipposponiha sas-70 għal rata ogħla fil-ġimgħa.","Workplace pensions":"Pensjonijiet tal-post tax-xogħol","Most income in retirement comes from workplace pensions, PRSAs and now auto-enrolment. 25% of the fund can be taken tax-free (up to €200,000); the rest is taxed as income.":"Il-biċċa l-kbira tad-dħul fl-irtirar ġej minn pensjonijiet tal-post tax-xogħol, PRSAs u issa l-awto-reġistrazzjoni. 25% tal-fond jista’ jittieħed mingħajr taxxa (sa €200,000); il-bqija jiġi ntaxxat bħala dħul.","From 65 income up to €18,000 (€36,000 for a couple) is exempt from income tax; there is an age credit of €245. The State Pension is free of USC and PRSI.":"Mill-65 dħul sa €18,000 (€36,000 għal koppja) huwa eżenti mit-taxxa fuq id-dħul; hemm kreditu tal-età ta’ €245. Il-Pensjoni Statali hija mingħajr USC u PRSI.","PRSA or occupational pension: contributions get tax relief at your marginal rate (20% or 40%) within age-related limits of 15–40% of earnings, capped at €115,000. At retirement 25% is tax-free and the rest is taxed as income. Deposit interest pays 33% DIRT.":"PRSA jew pensjoni okkupazzjonali: il-kontribuzzjonijiet jieħdu ħelsien mit-taxxa bir-rata marġinali tiegħek (20% jew 40%) f’limiti skont l-età ta’ 15–40% tal-qligħ, b’limitu ta’ €115,000. Fl-irtirar 25% huwa mingħajr taxxa u l-bqija jiġi ntaxxat bħala dħul. L-imgħax fuq id-depożiti jħallas 33% DIRT.","St Brigid’s Day":"Jum Santa Briġida","St Patrick’s Day":"Jum San Patrizju","May bank holiday":"Btala bankarja ta’ Mejju","June bank holiday":"Btala bankarja ta’ Ġunju","August bank holiday":"Btala bankarja ta’ Awwissu","October bank holiday":"Btala bankarja ta’ Ottubru","4 working weeks a year (20 days on a 5-day week), or 8% of hours worked. 10 public holidays; for each you get a paid day off, a day’s pay, an extra day of leave or an extra day’s pay, as your employer decides.":"4 ġimgħat xogħol fis-sena (20 jum f’ġimgħa ta’ 5 ijiem), jew 8% tas-sigħat maħduma. 10 btajjel pubbliċi; għal kull waħda tieħu jum liberu mħallas, paga ta’ jum, jum liv żejjed jew paga ta’ jum żejda, kif jiddeċiedi l-prinċipal.","26 weeks, plus 16 weeks unpaid":"26 ġimgħa, flimkien ma’ 16-il ġimgħa mhux imħallsa","Maternity Benefit €299 a week (many employers top up)":"Maternity Benefit €299 fil-ġimgħa (ħafna prinċipali jżidu)","2 weeks within 6 months of the birth":"Ġimagħtejn fi żmien 6 xhur mit-twelid","Paternity Benefit €299 a week":"Paternity Benefit €299 fil-ġimgħa","Parent’s leave":"Liv tal-ġenitur","9 weeks per parent in the child’s first 2 years":"9 ġimgħat kull ġenitur fl-ewwel sentejn tat-tifel","Parent’s Benefit €299 a week":"Parent’s Benefit €299 fil-ġimgħa","26 weeks per parent until the child is 12":"26 ġimgħa kull ġenitur sakemm it-tifel ikollu 12","Leave for medical care":"Liv għall-kura medika","5 days a year to care for a relative":"5 ijiem fis-sena biex tieħu ħsieb qarib","5 days of statutory sick pay a year, then Illness Benefit":"5 ijiem paga statutorja tal-mard fis-sena, imbagħad Illness Benefit","70% of pay up to €110 a day":"70% tal-paga sa €110 kuljum","After 2 years of continuous service: 2 weeks’ pay per year of service plus 1 week, with weekly pay capped at €600. Tax-free; enhanced payments above it get extra tax-free amounts up to limits.":"Wara sentejn ta’ servizz kontinwu: ġimagħtejn paga għal kull sena ta’ servizz flimkien ma’ ġimgħa, b’paga fil-ġimgħa b’limitu ta’ €600. Mingħajr taxxa; ħlasijiet akbar jieħdu ammonti żejda mingħajr taxxa sa ċerti limiti.","Minimum from the employer: 1 week (13 weeks to 2 years of service), 2 weeks (2–5), 4 weeks (5–10), 6 weeks (10–15), 8 weeks (15+). From you: 1 week after 13 weeks.":"Minimu mill-prinċipal: ġimgħa (13-il ġimgħa sa sentejn ta’ servizz), ġimagħtejn (2–5), 4 ġimgħat (5–10), 6 ġimgħat (10–15), 8 ġimgħat (15+). Minnek: ġimgħa wara 13-il ġimgħa.","Jobseeker’s Pay-Related Benefit":"Benefiċċju tal-qgħad marbut mal-paga (Jobseeker’s Pay-Related Benefit)","Since March 2025: 60% of previous weekly pay (max €450) for 13 weeks, then 55% (max €375) for 13 weeks, then 50% (max €300) for 13 weeks with 5+ years of PRSI; 26 weeks with 2–5 years. Not after resigning without good reason.":"Minn Marzu 2025: 60% tal-paga ta’ qabel fil-ġimgħa (massimu €450) għal 13-il ġimgħa, imbagħad 55% (massimu €375) għal 13-il ġimgħa, imbagħad 50% (massimu €300) għal 13-il ġimgħa b’5+ snin PRSI; 26 ġimgħa b’2–5 snin. Mhux wara riżenja mingħajr raġuni tajba.","Above €44,000 each extra euro loses 40% tax + 3–8% USC + PRSI. Pension contributions save the 40% tax.":"’Il fuq minn €44,000 kull ewro żejjed jitlef 40% taxxa + 3–8% USC + PRSI. Il-kontribuzzjonijiet għall-pensjoni jiffrankaw l-40%.","Auto-enrolment: every €1.50 you pay brings €2 more from your employer and the State.":"Awto-reġistrazzjoni: kull €1.50 li tħallas iġib €2 oħra mill-prinċipal u mill-Istat.","Child Benefit €140 a month per child, not means-tested. Married couples can share tax bands (up to €88,000 with two incomes), which this table does not model.":"Child Benefit €140 fix-xahar kull tifel, mingħajr test tal-mezzi. Il-koppji miżżewġin jistgħu jaqsmu l-faxex tat-taxxa (sa €88,000 b’żewġ dħul), li din it-tabella ma tikkalkulax.","Statutory redundancy after 2 years (tax-free)":"Redundancy statutorja wara sentejn (mingħajr taxxa)","26 weeks at €299/week + 16 unpaid":"26 ġimgħa b’€299/ġimgħa + 16 mhux imħallsa","2 weeks at €299/week":"Ġimagħtejn b’€299/ġimgħa","9 weeks paid (€299/week) + 26 unpaid until 12":"9 ġimgħat imħallsa (€299/ġimgħa) + 26 mhux imħallsa sat-12","5 days at 70% (max €110/day), then Illness Benefit":"5 ijiem b’70% (massimu €110/jum), imbagħad Illness Benefit","Annual tax for one PAYE employee; PRSI uses the year-average rate (4.35% from October). Medical expenses, rent and other credits, benefit-in-kind and the married two-income band are not modelled.":"Taxxa annwali għal impjegat PAYE wieħed; il-PRSI juża r-rata medja tas-sena (4.35% minn Ottubru). Krediti għal spejjeż mediċi, kera u oħrajn, benefiċċji in natura u l-faxxa tal-koppja b’żewġ dħul mhumiex inklużi.","Official sources: Revenue (revenue.ie), Department of Social Protection (gov.ie), Citizens Information, Workplace Relations Commission.":"Sorsi uffiċjali: Revenue (revenue.ie), Department of Social Protection (gov.ie), Citizens Information, Workplace Relations Commission.","Income tax, single, €50,000":"Taxxa fuq id-dħul, waħdu, €50,000","USC on €50,000":"USC fuq €50,000","Employee PRSI at €1,000 a week (per week, from October)":"PRSI tal-impjegat b’€1,000 fil-ġimgħa (fil-ġimgħa, minn Ottubru)","Full State Pension (Contributory), per week":"Pensjoni Statali (Kontributorja) sħiħa, fil-ġimgħa","Statutory redundancy, 10 years at €1,000 a week":"Redundancy statutorja, 10 snin b’€1,000 fil-ġimgħa","Maximum Jobseeker’s Pay-Related Benefit (per week)":"Jobseeker’s Pay-Related Benefit massimu (fil-ġimgħa)","Child Benefit per child (per month)":"Child Benefit kull tifel (fix-xahar)","Social security (Class 1) 10%":"Sigurtà soċjali (Klassi 1) 10%","Self-employed social security (Class 2) 15%":"Sigurtà soċjali għal min jaħdem għal rasu (Klassi 2) 15%","or paid in lieu; no statutory severance pay":"jew imħallas minflok; l-ebda kumpens statutorju","Notice (either side)":"Avviż (iż-żewġ naħat)","8 weeks + 1 per year, max 12":"8 ġimgħat + 1 kull sena, massimu 12","Malta":"Malta","Tax computation":"Komputazzjoni tat-taxxa","Married (joint)":"Miżżewweġ (konġunta)","Parent (single parent)":"Ġenitur (ġenitur waħdu)","Single: 0% up to €12,000, 15% to €16,000, 25% to €60,000, 35% above. Married (joint): tax-free €15,000, or €17,500 with 1 child and €22,500 with 2 or more. Parent: tax-free €13,000, €14,500 with 1 child, €18,500 with 2 or more. Social security is not deductible.":"Waħdu: 0% sa €12,000, 15% sa €16,000, 25% sa €60,000, 35% ’il fuq. Miżżewġin (konġunta): mingħajr taxxa sa €15,000, jew €17,500 b’tifel u €22,500 b’2 jew aktar. Ġenitur: mingħajr taxxa sa €13,000, €14,500 b’tifel, €18,500 b’2 jew aktar. Is-sigurtà soċjali ma titnaqqasx.","Social security and bonuses":"Sigurtà soċjali u bonuses","Employee and employer each pay 10% of the basic wage, capped at €55.93 a week (born from 1962); the employer adds 0.3% to the maternity fund. Statutory bonuses of €512.52 and the income supplements (about €242 a year) are paid in June and December and are in the Bonus field. Cost-of-living increase (COLA) 2026: €4.66 a week.":"L-impjegat u l-prinċipal iħallsu kull wieħed 10% tal-paga bażika, b’limitu ta’ €55.93 fil-ġimgħa (imwielda mill-1962); il-prinċipal iżid 0.3% għall-Fond tal-Maternità. Il-bonuses statutorji ta’ €512.52 u s-supplimenti tad-dħul (madwar €242 fis-sena) jitħallsu f’Ġunju u Diċembru u jinsabu fil-qasam Bonus. Żieda għall-għoli tal-ħajja (COLA) 2026: €4.66 fil-ġimgħa.","Minimum wage":"Paga minima","€229.44 a week for adults in 2026.":"€229.44 fil-ġimgħa għall-adulti fl-2026.","Legal premium":"Premium legali","Overtime is paid at least time-and-a-half (+50%); work on public holidays and Sundays usually gets double pay or a day off by agreement. Average week max 48 hours over 17 weeks.":"L-overtime jitħallas mill-inqas darba u nofs (+50%); ix-xogħol fil-btajjel pubbliċi u l-Ħdud normalment jingħata paga doppja jew jum liberu bi ftehim. Ġimgħa medja massimu 48 siegħa fuq 17-il ġimgħa.","Overtime is taxed at your marginal rate like normal pay here.":"L-overtime hawn jiġi ntaxxat bir-rata marġinali tiegħek bħall-paga normali.","Class 2 social security 15% of net income, capped at the maximum pensionable income (about €4,362 a year), with a minimum for low incomes. Profit is taxed on the same rate tables. VAT registration under Article 11 for small turnover.":"Sigurtà soċjali Klassi 2 ta’ 15% tad-dħul nett, b’limitu fuq id-dħul pensjonabbli massimu (madwar €4,362 fis-sena), b’minimu għal dħul baxx. Il-profitt jiġi ntaxxat bl-istess tabelli tar-rati. Reġistrazzjoni tal-VAT taħt l-Artiklu 11 għal fatturat żgħir.","Two-thirds pension":"Pensjoni ta’ żewġ terzi","⅔ of the average of your best 10 calendar years of the last 41, capped at the maximum pensionable income (€29,083 in 2026 for those born from 1962), reduced pro rata if you have fewer than 41 years (40 if born 1962–1968) of contributions. At least 10 years needed.":"⅔ tal-medja tal-aħjar 10 snin kalendarji mill-aħħar 41, b’limitu fuq id-dħul pensjonabbli massimu (€29,083 fl-2026 għal dawk imwielda mill-1962), imnaqqsa pro rata jekk għandek inqas minn 41 sena (40 jekk imwieled 1962–1968) ta’ kontribuzzjonijiet. Jeħtieġu mill-inqas 10 snin.","65 for those born from 1962. From 61 if you have the full contribution record and are no longer working. Pensions rise each year with the cost-of-living increase.":"65 għal dawk imwielda mill-1962. Mill-61 jekk għandek ir-rekord sħiħ tal-kontribuzzjonijiet u m’għadekx taħdem. Il-pensjonijiet jogħlew kull sena biż-żieda għall-għoli tal-ħajja.","Personal Retirement Scheme: a 25% tax credit on contributions up to €3,000 a year (and €750 for employer voluntary schemes). From retirement up to 30% can be taken as a tax-free lump sum; the rest is taxed as income. Bank interest can be taxed at a final 15%.":"Personal Retirement Scheme: kreditu tat-taxxa ta’ 25% fuq kontribuzzjonijiet sa €3,000 fis-sena (u €750 għal skemi volontarji tal-prinċipal). Mill-irtirar sa 30% jista’ jittieħed bħala somma f’daqqa mingħajr taxxa; il-bqija jiġi ntaxxat bħala dħul. L-imgħax tal-bank jista’ jiġi ntaxxat b’15% finali.","St Paul’s Shipwreck":"In-Nawfraġju ta’ San Pawl","St Joseph":"San Ġużepp","Sette Giugno":"Sette Giugno","St Peter and St Paul":"L-Imnarja (San Pietru u San Pawl)","Victory Day":"Jum il-Vitorja","192 hours a year (24 days of 8 hours), plus an extra day for each public holiday falling on a weekend. 14 public holidays.":"192 siegħa fis-sena (24 jum ta’ 8 sigħat), flimkien ma’ jum żejjed għal kull btala pubblika li taqa’ fil-weekend. 14-il btala pubblika.","18 weeks":"18-il ġimgħa","14 weeks full pay by employer, 4 weeks state maternity benefit":"14-il ġimgħa paga sħiħa mill-prinċipal, 4 ġimgħat benefiċċju tal-maternità mill-istat","Birth leave":"Liv tat-twelid","10 working days for the father or co-parent":"10 ijiem tax-xogħol għall-missier jew għall-ġenitur l-ieħor","Full pay (employer, reimbursed by the state)":"Paga sħiħa (prinċipal, rimborsat mill-istat)","4 months per parent until the child is 8":"4 xhur kull ġenitur sakemm it-tifel ikollu 8","First 2 months paid at the sickness-benefit rate":"L-ewwel xahrejn imħallsa bir-rata tal-benefiċċju tal-mard","By sector wage order, often 2 weeks a year on full pay":"Skont l-ordni regolatorja tal-paga tas-settur, spiss ġimagħtejn fis-sena b’paga sħiħa","Employer, minus sickness benefit":"Prinċipal, nieqes il-benefiċċju tal-mard","Termination by the employer (redundancy)":"Terminazzjoni mill-prinċipal (redundancy)","After probation: 1 week (1–6 months of service), 2 weeks (6 months–2 years), 4 weeks (2–4 years), 8 weeks (4–7 years), then +1 week per year up to 12 weeks (more by contract for technical or managerial jobs). Same for both sides; pay in lieu is possible.":"Wara l-prova: ġimgħa (1–6 xhur ta’ servizz), ġimagħtejn (6 xhur–sentejn), 4 ġimgħat (2–4 snin), 8 ġimgħat (4–7 snin), imbagħad +ġimgħa kull sena sa 12-il ġimgħa (aktar bil-kuntratt għal xogħol tekniku jew maniġerjali). L-istess għaż-żewġ naħat; il-ħlas minflok huwa possibbli.","Malta has no statutory severance pay for redundancy. An Industrial Tribunal can award compensation for unfair dismissal.":"Malta m’għandhiex paga statutorja ta’ kumpens għar-redundancy. It-Tribunal Industrijali jista’ jagħti kumpens għal tkeċċija inġusta.","From January 2026: 60% of your wage for 10 weeks, 55% for the next 10 and 50% for the last 6 (156 days), on a wage between the minimum wage and 175% of it. Needs 50 weeks of contributions, 20 in the last 2 years.":"Minn Jannar 2026: 60% tal-paga għal 10 ġimgħat, 55% għall-10 ta’ wara u 50% għall-aħħar 6 (156 jum), fuq paga bejn il-paga minima u 175% tagħha. Jeħtieġ 50 ġimgħa ta’ kontribuzzjonijiet, 20 minnhom fl-aħħar sentejn.","The Bonus field holds the statutory bonuses and income supplements (about €755 a year). Married? Joint computation usually lowers the tax.":"Il-qasam Bonus fih il-bonuses statutorji u s-supplimenti tad-dħul (madwar €755 fis-sena). Miżżewweġ? Il-komputazzjoni konġunta normalment tnaqqas it-taxxa.","Children’s Allowance is means-tested (a minimum amount is paid to all families). The married and parent tax tables already give wider tax-free bands for children.":"Il-Children’s Allowance jiddependi mid-dħul (ammont minimu jitħallas lill-familji kollha). It-tabelli tal-miżżewġin u tal-ġenituri diġà jagħtu faxex usa’ mingħajr taxxa għat-tfal.","No statutory severance; notice or pay in lieu":"L-ebda kumpens statutorju; avviż jew ħlas minflok","18 weeks (14 full pay + 4 state benefit)":"18-il ġimgħa (14 paga sħiħa + 4 benefiċċju tal-istat)","10 days at full pay":"10 ijiem b’paga sħiħa","4 months per parent until 8, 2 paid":"4 xhur kull ġenitur sat-8, 2 imħallsa","By sector, often 2 weeks full pay":"Skont is-settur, spiss ġimagħtejn paga sħiħa","Resident employee with the standard tax tables; part-time and overtime special rates, the 15% rate for some foreign workers, and tax credits for specific groups are not modelled. Average wages for Malta come from Eurostat (2025 estimated).":"Impjegat resident bit-tabelli standard tat-taxxa; ir-rati speċjali għall-part-time u l-overtime, ir-rata ta’ 15% għal xi ħaddiema barranin u l-krediti tat-taxxa għal gruppi speċifiċi mhumiex inklużi. Il-pagi medji għal Malta ġejjin mill-Eurostat (2025 stmat).","Official sources: Malta Tax and Customs Administration (mtca.gov.mt), Department of Social Security (socialsecurity.gov.mt), DIER (employment conditions), Jobsplus.":"Sorsi uffiċjali: Malta Tax and Customs Administration (mtca.gov.mt), Dipartiment tas-Sigurtà Soċjali (socialsecurity.gov.mt), DIER (kundizzjonijiet tal-impjieg), Jobsplus.","Tax, single, chargeable income €30,000":"Taxxa, waħdu, dħul taxxabbli €30,000","Tax, married with 2 children, €40,000":"Taxxa, miżżewġin b’2 tfal, €40,000","Tax, parent with 1 child, €20,000":"Taxxa, ġenitur b’tifel, €20,000","Maximum employee social security (per year)":"Sigurtà soċjali massima tal-impjegat (fis-sena)","Maximum two-thirds pension (per year)":"Pensjoni massima ta’ żewġ terzi (fis-sena)","Maximum unemployment benefit, first 10 weeks (per week)":"Benefiċċju massimu tal-qgħad, l-ewwel 10 ġimgħat (fil-ġimgħa)","Social insurance 8.8%":"Assigurazzjoni soċjali 8.8%","National health system (GESY) 2.65%":"Sistema nazzjonali tas-saħħa (GESY) 2.65%","Child deduction":"Tnaqqis għat-tfal","50% exemption for new residents":"Eżenzjoni ta’ 50% għal residenti ġodda","Self-employed social insurance 16.6% + GESY 4%":"Assigurazzjoni soċjali għal min jaħdem għal rasu 16.6% + GESY 4%","Redundancy payment (Redundancy Fund, tax-free)":"Ħlas ta’ redundancy (Fond tar-Redundancy, mingħajr taxxa)","or paid in lieu":"jew imħallas minflok","Redundancy pay (weeks per year)":"Paga tar-redundancy (ġimgħat kull sena)","Cyprus":"Ċipru","After the 2026 reform: 0% up to €22,000, 20% to €32,000, 25% to €42,000, 30% to €72,000, 35% above. Social insurance, GESY and pension or life-insurance contributions (up to ⅕ of income) are deductible. Child deduction €1,000 for the first child, €1,250 for the second, €1,500 from the third, for family incomes up to €100,000–200,000. New residents earning over €55,000 can exempt 50% of pay.":"Wara r-riforma tal-2026: 0% sa €22,000, 20% sa €32,000, 25% sa €42,000, 30% sa €72,000, 35% ’il fuq. L-assigurazzjoni soċjali, il-GESY u l-kontribuzzjonijiet għall-pensjoni jew għall-assigurazzjoni tal-ħajja (sa ⅕ tad-dħul) jitnaqqsu. Tnaqqis għat-tfal €1,000 għall-ewwel tifel, €1,250 għat-tieni, €1,500 mit-tielet, għal dħul tal-familja sa €100,000–200,000. Residenti ġodda li jaqilgħu aktar minn €55,000 jistgħu jeżentaw 50% tal-paga.","Contributions":"Kontribuzzjonijiet","Employee: social insurance 8.8% up to €68,904 a year (€5,742 a month) and GESY 2.65%. Employer: 8.8% + 2% social cohesion + 1.2% redundancy fund + 0.5% training fund + 2.9% GESY. A 13th salary is common.":"Impjegat: assigurazzjoni soċjali 8.8% sa €68,904 fis-sena (€5,742 fix-xahar) u GESY 2.65%. Prinċipal: 8.8% + 2% koeżjoni soċjali + 1.2% fond tar-redundancy + 0.5% fond tat-taħriġ + 2.9% GESY. It-13-il salarju huwa komuni.","By agreement":"Bi ftehim","There is no general legal overtime premium; collective agreements usually give time-and-a-half. Max 48 hours a week on average.":"M’hemm l-ebda premium legali ġenerali għall-overtime; il-ftehimiet kollettivi normalment jagħtu darba u nofs. Massimu 48 siegħa fil-ġimgħa bħala medja.","Social insurance 16.6% of income (with a minimum deemed income by occupation, up to €68,904) and GESY 4%. Profit is taxed on the same scale.":"Assigurazzjoni soċjali ta’ 16.6% tad-dħul (b’dħul minimu meqjus skont l-okkupazzjoni, sa €68,904) u GESY 4%. Il-profitt jiġi ntaxxat fuq l-istess skala.","A basic pension (60% of the average of your insurance points up to the basic insurable earnings, more with dependants) plus a supplementary pension of 1.5% of your insured earnings above them. Paid 13 times a year. Age 65 with at least 15 years; from 63 with a 12% reduction.":"Pensjoni bażika (60% tal-medja tal-punti tal-assigurazzjoni sal-qligħ bażiku assigurabbli, aktar b’dipendenti) flimkien ma’ pensjoni supplimentari ta’ 1.5% tal-qligħ assigurat ’il fuq minnu. Imħallsa 13-il darba fis-sena. Età 65 b’mill-inqas 15-il sena; mit-63 bi tnaqqis ta’ 12%.","Provident funds":"Fondi ta’ providenza","Many employers run a provident fund (often 5–10% each side); contributions are deductible within the ⅕ limit and lump sums at retirement are tax-free.":"Ħafna prinċipali għandhom fond ta’ providenza (spiss 5–10% kull naħa); il-kontribuzzjonijiet jitnaqqsu fil-limitu ta’ ⅕ u s-somom f’daqqa fl-irtirar huma mingħajr taxxa.","Provident funds and personal pension plans: contributions are deductible up to ⅕ of income (together with social insurance and GESY). Lump sums from provident funds at retirement are tax-free; pensions are taxed as income, with the first €22,000 tax-free. Interest pays 17% defence contribution.":"Fondi ta’ providenza u pjanijiet tal-pensjoni personali: il-kontribuzzjonijiet jitnaqqsu sa ⅕ tad-dħul (flimkien mal-assigurazzjoni soċjali u l-GESY). Is-somom f’daqqa mill-fondi ta’ providenza fl-irtirar huma mingħajr taxxa; il-pensjonijiet jiġu ntaxxati bħala dħul, bl-ewwel €22,000 mingħajr taxxa. L-imgħax iħallas 17% kontribuzzjoni għad-difiża.","Greek Independence Day":"Jum l-Indipendenza Griega","Cyprus National Day":"Jum Nazzjonali ta’ Ċipru","Easter Tuesday":"It-Tlieta tal-Għid","Kataklysmos (Whit Monday)":"Kataklysmos (It-Tnejn tal-Għansara)","Cyprus Independence Day":"Jum l-Indipendenza ta’ Ċipru","20 working days on a 5-day week (24 on 6 days), paid by the employer or the central holiday fund. Public holidays follow the Orthodox calendar; the private sector observes most of the 15 official ones by collective agreement.":"20 jum tax-xogħol f’ġimgħa ta’ 5 ijiem (24 f’6 ijiem), imħallsa mill-prinċipal jew mill-fond ċentrali tal-vaganzi. Il-btajjel pubbliċi jsegwu l-kalendarju Ortodoss; is-settur privat josserva l-biċċa l-kbira tal-15 uffiċjali bi ftehim kollettiv.","22 weeks (11 compulsory around birth)":"22 ġimgħa (11 obbligatorji madwar it-twelid)","Maternity allowance 72% of insurable earnings":"Allowance tal-maternità 72% tal-qligħ assigurabbli","2 weeks within 16 weeks of the birth":"Ġimagħtejn fi żmien 16-il ġimgħa mit-twelid","Paternity allowance 72% of insurable earnings":"Allowance tal-paternità 72% tal-qligħ assigurabbli","18 weeks per parent until the child is 8":"18-il ġimgħa kull ġenitur sakemm it-tifel ikollu 8","8 weeks paid by social insurance, the rest unpaid":"8 ġimgħat imħallsa mill-assigurazzjoni soċjali, il-bqija mhux imħallsa","Force majeure and carer’s leave":"Liv ta’ force majeure u tal-carers","7 days a year force majeure + 5 days carer’s leave":"7 ijiem fis-sena force majeure + 5 ijiem liv tal-carers","Sickness benefit from the 4th day, up to 156 days":"Benefiċċju tal-mard mir-4 jum, sa 156 jum","About 60% of insurable earnings":"Madwar 60% tal-qligħ assigurabbli","Redundancy payment":"Ħlas ta’ redundancy","After 2 years of continuous service, paid by the Redundancy Fund: 2 weeks’ pay per year for the first 4 years, 2.5 weeks for years 5–10, 3 for 11–15, 3.5 for 16–20 and 4 for 21–30, max 75 weeks, on pay up to the insurable maximum. Tax-free.":"Wara sentejn ta’ servizz kontinwu, imħallas mill-Fond tar-Redundancy: ġimagħtejn paga kull sena għall-ewwel 4 snin, ġimagħtejn u nofs għas-snin 5–10, 3 għal 11–15, 3.5 għal 16–20 u 4 għal 21–30, massimu 75 ġimgħa, fuq paga sal-massimu assigurabbli. Mingħajr taxxa.","From the employer after 26 weeks: 1 week (under 1 year), 2 weeks (1–2), 4 (2–3), 5 (3–4), 6 (4–5), 7 (5–6), 8 (6+). From you: usually 1–4 weeks.":"Mill-prinċipal wara 26 ġimgħa: ġimgħa (taħt sena), ġimagħtejn (1–2), 4 (2–3), 5 (3–4), 6 (4–5), 7 (5–6), 8 (6+). Minnek: normalment 1–4 ġimgħat.","60% of your basic insurable earnings plus a supplementary part on earnings above them (more with dependants), for up to 156 days. Needs at least 26 weeks of contributions. Amounts here are estimates.":"60% tal-qligħ bażiku assigurabbli flimkien ma’ parti supplimentari fuq il-qligħ ’il fuq minnu (aktar b’dipendenti), sa 156 jum. Jeħtieġ mill-inqas 26 ġimgħa ta’ kontribuzzjonijiet. L-ammonti hawn huma stimi.","Since 2026 the first €22,000 is tax-free. Moving to Cyprus for a job over €55,000? 50% of your pay can be exempt (tick the new-resident box in Compare countries).":"Mill-2026 l-ewwel €22,000 huma mingħajr taxxa. Se tmur Ċipru għal xogħol ta’ aktar minn €55,000? 50% tal-paga tista’ tkun eżenti (immarka l-kaxxa tar-resident ġdid fi Qabbel il-pajjiżi).","Child benefit is income-tested (family income up to €49,000 and assets limits). Spouses are taxed separately; the child deduction goes to one parent.":"Il-benefiċċju tat-tfal jiddependi mid-dħul (dħul tal-familja sa €49,000 u limiti fuq l-assi). Il-konjuġi jiġu ntaxxati separatament; it-tnaqqis għat-tfal imur għal ġenitur wieħed.","Redundancy Fund after 2 years (tax-free)":"Fond tar-Redundancy wara sentejn (mingħajr taxxa)","22 weeks at 72% of insurable earnings":"22 ġimgħa b’72% tal-qligħ assigurabbli","2 weeks at 72%":"Ġimagħtejn b’72%","18 weeks per parent until 8, 8 paid":"18-il ġimgħa kull ġenitur sat-8, 8 imħallsa","From the 4th day, about 60%":"Mir-4 jum, madwar 60%","Resident employee taxed individually. Pension and unemployment amounts are estimates based on approximate basic insurable earnings; the official figures use your insurance points. The holiday fund contribution (8% for some sectors) is not included in employer cost. Average wages for Cyprus come from Eurostat (2025 estimated).":"Impjegat resident intaxxat individwalment. L-ammonti tal-pensjoni u tal-qgħad huma stimi bbażati fuq qligħ bażiku assigurabbli approssimattiv; iċ-ċifri uffiċjali jużaw il-punti tal-assigurazzjoni tiegħek. Il-kontribuzzjoni għall-fond tal-vaganzi (8% f’xi setturi) mhix inkluża fl-ispiża tal-prinċipal. Il-pagi medji għal Ċipru ġejjin mill-Eurostat (2025 stmat).","Official sources: Tax Department (mof.gov.cy/tax), Social Insurance Services (mlsi.gov.cy/sid), Health Insurance Organisation (gesy.org.cy), Department of Labour Relations.":"Sorsi uffiċjali: Dipartiment tat-Taxxa (mof.gov.cy/tax), Servizzi tal-Assigurazzjoni Soċjali (mlsi.gov.cy/sid), Organizzazzjoni tal-Assigurazzjoni tas-Saħħa (gesy.org.cy), Dipartiment tar-Relazzjonijiet tax-Xogħol.","Income tax on taxable €50,000":"Taxxa fuq id-dħul fuq €50,000 taxxabbli","Tax-free threshold (no tax at €22,000 taxable)":"Limitu mingħajr taxxa (l-ebda taxxa fuq €22,000 taxxabbli)","Employee social insurance at the 2026 ceiling (per year)":"Assigurazzjoni soċjali tal-impjegat fil-limitu tal-2026 (fis-sena)","GESY employee contribution on €30,000":"Kontribuzzjoni GESY tal-impjegat fuq €30,000","Redundancy weeks after 10 years":"Ġimgħat ta’ redundancy wara 10 snin","New amount (optional)":"Ammont ġdid (mhux obbligatorju)","Next to each expense you can type a new amount, lower or higher than today. It replaces the suggested ceiling for that category, and the possible saving becomes today’s spending minus your new amount.":"Ħdejn kull spiża tista’ tikteb ammont ġdid, inqas jew aktar minn illum. Dan jieħu post il-limitu ssuġġerit għal dik il-kategorija, u l-iffrankar possibbli jsir l-infiq tal-lum nieqes l-ammont ġdid tiegħek.","Suggested ceiling or your new amount":"Limitu ssuġġerit jew l-ammont ġdid tiegħek","your new amount":"l-ammont ġdid tiegħek","suggested {v}":"issuġġerit {v}","extra cost":"spiża żejda","With your new amounts":"Bl-ammonti ġodda tiegħek","earliest stop age with the new amounts you typed":"l-iktar età bikrija biex tieqaf bl-ammonti ġodda li ktibt","With your new amounts you save {m} a month: <b>{x}</b> after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"Bl-ammonti ġodda tiegħek tiffranka {m} fix-xahar: <b>{x}</b> wara {n} snin, u tista’ tieqaf taħdem f’età ta’ <b>{s2}</b> minflok {s1}.","With your new amounts you spend {m} more a month: <b>{x}</b> less after {n} years, and you could stop working at <b>{s2}</b> instead of {s1}.":"Bl-ammonti ġodda tiegħek tonfoq {m} aktar fix-xahar: <b>{x}</b> inqas wara {n} snin, u tista’ tieqaf taħdem f’età ta’ <b>{s2}</b> minflok {s1}.","Only the national scale and the Madrid and Catalonia regional scales are included; tax in other regions differs slightly.":"Huma inklużi biss l-iskala nazzjonali u l-iskali reġjonali ta’ Madrid u l-Katalunja; it-taxxa f’reġjuni oħra tvarja ftit.","Rates for England, Wales and Northern Ireland; Scotland’s income tax bands, student loans and benefits in kind are not included.":"Rati għall-Ingilterra, Wales u l-Irlanda ta’ Fuq; il-faxex tat-taxxa tal-Iskozja, is-self tal-istudenti u l-benefiċċji in natura mhumiex inklużi.","The 30% ruling for expats and the health-insurance premium are not included.":"Ir-regola tat-30% għall-expats u l-primjum tal-assigurazzjoni tas-saħħa mhumiex inklużi.","The lower rates of the Azores and Madeira and the health, education and housing deductions are not included.":"Ir-rati aktar baxxi tal-Azores u Madeira u t-tnaqqis għas-saħħa, l-edukazzjoni u d-djar mhumiex inklużi.","The wider tax band for married couples with two incomes is not modelled, and take-home pay is tested only through its parts (tax, USC, PRSI).":"Il-faxxa usa’ għal koppji miżżewġin b’żewġ dħul mhijiex immudellata, u l-paga netta hija ttestjata biss permezz tal-partijiet tagħha (taxxa, USC, PRSI).","Only the minimum pension is checked; the pension built up from your pay follows the rules but is not tested.":"Il-pensjoni minima biss hija ċċekkjata; il-pensjoni mibnija mill-paga tiegħek issegwi r-regoli iżda mhijiex ittestjata.","Only the accrual rate is checked, not a full pension amount.":"Ir-rata ta’ akkumulazzjoni biss hija ċċekkjata, mhux ammont sħiħ ta’ pensjoni.","The amount is an estimate: the official pension depends on your insurance points, and the basic insurable earnings used here are approximate.":"L-ammont huwa stima: il-pensjoni uffiċjali tiddependi mill-punti tal-assigurazzjoni tiegħek, u l-qligħ bażiku assigurabbli użat hawn huwa approssimattiv.","The unemployment benefit is an estimate based on approximate basic insurable earnings.":"Il-benefiċċju tal-qgħad huwa stima bbażata fuq qligħ bażiku assigurabbli approssimattiv.","Premium rates follow the law; take-home extra pay uses the normal salary tax and contributions.":"Ir-rati tal-premium isegwu l-liġi; il-paga żejda netta tuża t-taxxa u l-kontribuzzjonijiet normali tas-salarju.","Austria’s tax-free overtime allowance is not applied, so take-home overtime pay is slightly too low.":"L-eżenzjoni Awstrijaka mit-taxxa għas-sahra ma tiġix applikata, għalhekk il-paga netta tas-sahra hija ftit baxxa wisq.","Malta’s 15% flat tax on part of overtime pay is not applied, so take-home overtime pay is slightly too low.":"It-taxxa fissa ta’ 15% ta’ Malta fuq parti mill-paga tas-sahra ma tiġix applikata, għalhekk il-paga netta tas-sahra hija ftit baxxa wisq.","Self-employed tax and contributions are simplified; special freelancer schemes can give different results.":"It-taxxa u l-kontribuzzjonijiet tal-persuni li jaħdmu għal rashom huma simplifikati; skemi speċjali għall-freelancers jistgħu jagħtu riżultati differenti.","Average wages for Malta are Eurostat 2025 figures projected to 2026; official 2026 figures are not yet published.":"Il-pagi medji għal Malta huma ċifri tal-Eurostat tal-2025 proġettati għall-2026; iċ-ċifri uffiċjali tal-2026 għadhom ma ġewx ippubblikati.","Average wages for Cyprus are Eurostat 2025 figures projected to 2026; official 2026 figures are not yet published.":"Il-pagi medji għal Ċipru huma ċifri tal-Eurostat tal-2025 proġettati għall-2026; iċ-ċifri uffiċjali tal-2026 għadhom ma ġewx ippubblikati.","The state pension used here is an estimate (see the Pension tab).":"Il-pensjoni tal-Istat użata hawn hija stima (ara t-tab Pensjoni).","Approximate":"Approssimattiv","Not verified":"Mhux ivverifikat","For {c}, these figures follow the published 2026 rules but have not been checked against an official calculator yet.":"Għal {c}, dawn iċ-ċifri jsegwu r-regoli ppubblikati tal-2026 iżda għadhom ma ġewx iċċekkjati ma’ kalkulatur uffiċjali.","For {c}, this tab is partly checked against official sources ({n} checks), but some parts are approximate:":"Għal {c}, din it-tab hija ċċekkjata parzjalment ma’ sorsi uffiċjali ({n} kontrolli), iżda xi partijiet huma approssimattivi:","For {c}, some parts of this tab are approximate:":"Għal {c}, xi partijiet ta’ din it-tab huma approssimattivi:","Labour market contribution (AM-bidrag) 8%":"Kontribuzzjoni għas-suq tax-xogħol (AM-bidrag) 8%","ATP (supplementary pension), employee share":"ATP (pensjoni supplimentari), sehem l-impjegat","State base tax (bundskat) 12.01%":"Taxxa bażika tal-istat (bundskat) 12.01%","Church tax (kirkeskat)":"Taxxa tal-Knisja (kirkeskat)","Middle, top and top-top tax (7.5% / 7.5% / 5%)":"Taxxa medja, għolja u għolja ħafna (7.5% / 7.5% / 5%)","Employment allowance + job allowance (deducted)":"Tnaqqis għall-impjieg + tnaqqis għax-xogħol (imnaqqsa)","Personal allowance":"Eżenzjoni personali","Child and youth benefit (paid separately, about)":"Benefiċċju għat-tfal u ż-żgħażagħ (imħallas separatament, bejn wieħed u ieħor)","white-collar minimum (Funktionærloven); others by collective agreement":"minimu għall-impjegati (Funktionærloven); oħrajn skont il-ftehim kollettiv","1 month":"xahar","Denmark":"Id-Danimarka","Municipal tax rate (%)":"Rata tat-taxxa muniċipali (%)","Member of the Church of Denmark (church tax)":"Membru tal-Knisja tad-Danimarka (taxxa tal-Knisja)","8% labour market contribution first, then municipal tax (average 25.05%, 23.39–26.30%) and state base tax 12.01% above the personal allowance of DKK 54,100. Middle tax 7.5% above DKK 641,200, top tax 7.5% above DKK 777,900 and top-top tax 5% above DKK 2,592,700 (personal income after AM). Tax ceiling 44.57% for municipal + base + middle tax.":"L-ewwel 8% kontribuzzjoni għas-suq tax-xogħol, imbagħad taxxa muniċipali (medja 25.05%, 23.39–26.30%) u taxxa bażika tal-istat ta’ 12.01% fuq l-eżenzjoni personali ta’ DKK 54,100. Taxxa medja ta’ 7.5% fuq DKK 641,200, taxxa għolja ta’ 7.5% fuq DKK 777,900 u taxxa għolja ħafna ta’ 5% fuq DKK 2,592,700 (dħul personali wara l-AM). Limitu massimu ta’ 44.57% għat-taxxa muniċipali + bażika + medja.","Employment allowance 12.75% of pay (max DKK 63,300) and job allowance 4.5% above DKK 235,200 (max DKK 3,100) reduce the municipal tax base. Church tax about 0.87% for members. ATP: DKK 99 a month from you, DKK 198 from the employer.":"It-tnaqqis għall-impjieg ta’ 12.75% tal-paga (massimu DKK 63,300) u t-tnaqqis għax-xogħol ta’ 4.5% fuq DKK 235,200 (massimu DKK 3,100) inaqqsu l-bażi tat-taxxa muniċipali. Taxxa tal-Knisja ta’ madwar 0.87% għall-membri. ATP: DKK 99 fix-xahar minnek, DKK 198 mingħand min iħaddem.","Danish law sets no overtime premium; collective agreements usually pay +50% for the first hours and +100% after, or time off. Average week max 48 hours over 4 months.":"Il-liġi Daniża ma tiffissax premium għas-sahra; il-ftehimiet kollettivi normalment iħallsu +50% għall-ewwel sigħat u +100% wara, jew ħin liberu. Ġimgħa medja massimu ta’ 48 siegħa fuq 4 xhur.","Overtime pays AM-bidrag and income tax like normal pay.":"Is-sahra tħallas AM-bidrag u taxxa fuq id-dħul bħall-paga normali.","Profit pays the 8% labour market contribution and the same income taxes as wages (personal allowance, municipal and state taxes). Voluntary ATP and unemployment insurance are extra. VAT registration above DKK 50,000 turnover.":"Il-profitt iħallas il-kontribuzzjoni ta’ 8% għas-suq tax-xogħol u l-istess taxxi fuq id-dħul bħall-pagi (eżenzjoni personali, taxxi muniċipali u tal-istat). ATP u assigurazzjoni kontra l-qgħad volontarji huma żejda. Reġistrazzjoni tal-VAT fuq fatturat ta’ DKK 50,000.","From 67 (born up to 1962), 68 (1963–66), 69 (1967–70) and 70 (from 1971). Basic amount DKK 7,544 a month, full after 40 years of residence between 15 and pension age; pension supplement up to DKK 8,729 (single) or DKK 4,467 (couple), reduced by other income. Deferring raises the pension.":"Minn 67 (imwielda sal-1962), 68 (1963–66), 69 (1967–70) u 70 (mill-1971). Ammont bażiku ta’ DKK 7,544 fix-xahar, sħiħ wara 40 sena ta’ residenza bejn il-15 u l-età tal-pensjoni; suppliment tal-pensjoni sa DKK 8,729 (waħdu) jew DKK 4,467 (koppja), imnaqqas minn dħul ieħor. Id-differiment iżid il-pensjoni.","ATP and labour-market pensions":"ATP u pensjonijiet tas-suq tax-xogħol","ATP is a small lifelong supplement for everyone who worked. Most income in retirement comes from labour-market pensions agreed in collective agreements, typically 12% of pay (8% employer, 4% employee), deducted before AM-bidrag.":"L-ATP huwa suppliment żgħir għal għomru għal kull min ħadem. Il-biċċa l-kbira tad-dħul fl-irtirar ġej minn pensjonijiet tas-suq tax-xogħol miftiehma fil-ftehimiet kollettivi, normalment 12% tal-paga (8% min iħaddem, 4% l-impjegat), imnaqqsa qabel l-AM-bidrag.","Contributions to an employer pension scheme are deducted before AM-bidrag and income tax. Payouts are taxed as income; returns pay 15.3% PAL tax.":"Il-kontribuzzjonijiet għal skema tal-pensjoni ta’ min iħaddem jitnaqqsu qabel l-AM-bidrag u t-taxxa fuq id-dħul. Il-ħlasijiet huma taxxabbli bħala dħul; ir-redditi jħallsu taxxa PAL ta’ 15.3%.","Labour-market pension: contributions (often 4% from you and 8% from the employer) are deducted before AM-bidrag and tax. Returns pay 15.3% PAL tax, payouts are taxed as income. Deposit interest is capital income taxed at about 37–42%.":"Pensjoni tas-suq tax-xogħol: il-kontribuzzjonijiet (spiss 4% minnek u 8% mingħand min iħaddem) jitnaqqsu qabel l-AM-bidrag u t-taxxa. Ir-redditi jħallsu taxxa PAL ta’ 15.3%, il-ħlasijiet huma taxxabbli bħala dħul. L-imgħax fuq id-depożiti huwa dħul kapitali taxxabbli b’madwar 37–42%.","Maundy Thursday":"Ħamis ix-Xirka","Easter Sunday":"Għid il-Kbir","Whit Sunday":"Għid il-Ħamsin","Constitution Day (often a day off)":"Jum il-Kostituzzjoni (spiss jum liberu)","5 weeks (25 working days) a year under the Holiday Act, earned at 2.08 days a month, with 12.5% holiday pay or full pay plus a 1% supplement. Many agreements add 5 extra holiday days (feriefridage). Great Prayer Day was abolished in 2024.":"5 ġimgħat (25 jum tax-xogħol) fis-sena skont il-Liġi tal-Vaganzi, miksuba b’2.08 ijiem fix-xahar, b’12.5% paga tal-vaganzi jew paga sħiħa flimkien ma’ suppliment ta’ 1%. Ħafna ftehimiet iżidu 5 ijiem ta’ vaganza żejda (feriefridage). Il-Jum il-Kbir tat-Talb tneħħa fl-2024.","4 weeks before the birth and 24 weeks after (11 of them earmarked)":"4 ġimgħat qabel it-twelid u 24 ġimgħa wara (11 minnhom riżervati)","Barselsdagpenge up to DKK 5,085 a week; many employers pay full salary":"Barselsdagpenge sa DKK 5,085 fil-ġimgħa; ħafna minn iħaddmu jħallsu s-salarju sħiħ","Leave for the other parent":"Leave għall-ġenitur l-ieħor","24 weeks, of which 2 right after the birth and 11 earmarked":"24 ġimgħa, li minnhom 2 eżatt wara t-twelid u 11 riżervati","Barselsdagpenge up to DKK 5,085 a week":"Barselsdagpenge sa DKK 5,085 fil-ġimgħa","Child’s sick day":"Jum ta’ mard tat-tifel/tifla","1st and often 2nd sick day of a child under 18 (by agreement)":"L-1 u spiss it-2 jum ta’ mard ta’ tifel/tifla taħt it-18-il sena (skont il-ftehim)","Usually paid":"Normalment imħallas","Up to 5 days a year for a seriously ill relative":"Sa 5 ijiem fis-sena għal qarib marid serjament","White-collar staff keep full pay; otherwise the employer pays 30 days, then the municipality":"L-impjegati jżommu l-paga sħiħa; inkella min iħaddem iħallas 30 jum, imbagħad il-muniċipalità","Sygedagpenge up to DKK 5,085 a week":"Sygedagpenge sa DKK 5,085 fil-ġimgħa","Notice (white-collar)":"Avviż (impjegati)","From the employer: 1 month in the first 6 months, then 3 months, rising by 1 month every 3 years to 6 months after almost 9 years. From you: 1 month. Other workers follow their collective agreement.":"Mingħand min iħaddem: xahar fl-ewwel 6 xhur, imbagħad 3 xhur, jiżdied b’xahar kull 3 snin sa 6 xhur wara kważi 9 snin. Minnek: xahar. Ħaddiema oħra jsegwu l-ftehim kollettiv tagħhom.","Severance and unemployment benefit":"Kumpens tat-terminazzjoni u benefiċċju tal-qgħad","White-collar staff get 1, 2 or 3 months’ pay after 12, 15 or 18 years. Unemployment benefit (dagpenge) for a-kasse members: 90% of previous pay, max DKK 22,041 a month, for up to 2 years.":"L-impjegati jirċievu 1, 2 jew 3 xhur paga wara 12, 15 jew 18-il sena. Benefiċċju tal-qgħad (dagpenge) għall-membri ta’ a-kasse: 90% tal-paga ta’ qabel, massimu DKK 22,041 fix-xahar, sa sentejn.","Above DKK 641,200 (after AM) middle tax adds 7.5%; pension contributions through your employer reduce it.":"Fuq DKK 641,200 (wara l-AM) it-taxxa medja żżid 7.5%; il-kontribuzzjonijiet tal-pensjoni permezz ta’ min iħaddem inaqqsuha.","Join an a-kasse: without membership there is no earnings-related unemployment benefit.":"Ingħaqad ma’ a-kasse: mingħajr sħubija m’hemmx benefiċċju tal-qgħad marbut mal-paga.","Child and youth benefit (børne- og ungeydelse) 2026: DKK 5,370 a quarter (0–2 years), 4,248 (3–6), 3,342 (7–14) and DKK 1,114 a month (15–17); reduced for high earners. The table uses the 7–14 rate.":"Benefiċċju għat-tfal u ż-żgħażagħ (børne- og ungeydelse) 2026: DKK 5,370 kull kwart (0–2 snin), 4,248 (3–6), 3,342 (7–14) u DKK 1,114 fix-xahar (15–17); imnaqqas għal dħul għoli. It-tabella tuża r-rata ta’ 7–14.","White-collar severance after 12 years":"Kumpens tal-impjegati wara 12-il sena","4 + 24 weeks, up to DKK 5,085/week":"4 + 24 ġimgħa, sa DKK 5,085/ġimgħa","24 weeks (2 at birth, 11 earmarked)":"24 ġimgħa (2 fit-twelid, 11 riżervati)","Shared within the 48 weeks":"Maqsuma fi ħdan it-48 ġimgħa","Full pay for white-collar staff":"Paga sħiħa għall-impjegati","Employee taxed individually; annual tax as in the year-end statement (monthly withholding follows the tax card). Labour-market pension contributions, transport deduction, union fees and the high-earner reduction of child benefit are not modelled. Employer cost is ATP plus about 0.6% for other levies.":"Impjegat intaxxat individwalment; taxxa annwali kif fid-dikjarazzjoni tat-tmiem tas-sena (iż-żamma kull xahar issegwi l-karta tat-taxxa). Kontribuzzjonijiet għall-pensjonijiet tas-suq tax-xogħol, tnaqqis tat-trasport, miżati tal-unjin u t-tnaqqis tal-benefiċċju tat-tfal għal dħul għoli mhumiex ikkalkulati. L-ispiża ta’ min iħaddem hija ATP flimkien ma’ madwar 0.6% għal imposti oħra.","Official sources: Skattestyrelsen (skat.dk), Skatteministeriet (average municipal and church tax 2026), Beskæftigelsesministeriet (rates 2026), borger.dk (folkepension, child benefit), Funktionærloven.":"Sorsi uffiċjali: Skattestyrelsen (skat.dk), Skatteministeriet (taxxa muniċipali u tal-Knisja medja 2026), Beskæftigelsesministeriet (rati 2026), borger.dk (folkepension, benefiċċju tat-tfal), Funktionærloven.","Maximum employment allowance (reached at DKK 496,471)":"Tnaqqis massimu għall-impjieg (milħuq f’DKK 496,471)","Maximum job allowance":"Tnaqqis massimu għax-xogħol","Base tax on personal income of DKK 300,000":"Taxxa bażika fuq dħul personali ta’ DKK 300,000","Middle tax on personal income of DKK 700,000":"Taxxa medja fuq dħul personali ta’ DKK 700,000","Full folkepension, single (per month)":"Folkepension sħiħa, waħdu (fix-xahar)","White-collar notice after 10 years (months)":"Avviż għal impjegat wara 10 snin (xhur)","Child and youth benefit, age 0–2 (per quarter)":"Benefiċċju għat-tfal u ż-żgħażagħ, età 0–2 (kull kwart)","General pension contribution 7% (credited back against tax)":"Kontribuzzjoni ġenerali għall-pensjoni 7% (ikkreditata lura kontra t-taxxa)","State income tax 20% above SEK 643,000":"Taxxa tal-istat fuq id-dħul 20% fuq SEK 643,000","Tax reductions (pension contribution, work, earned income)":"Tnaqqis tat-taxxa (kontribuzzjoni tal-pensjoni, xogħol, dħul mix-xogħol)","Basic allowance (grundavdrag)":"Tnaqqis bażiku (grundavdrag)","Employment tax credit (jobbskatteavdrag)":"Kreditu tat-taxxa għall-impjieg (jobbskatteavdrag)","Child allowance (paid separately)":"Benefiċċju tat-tfal (imħallas separatament)","Self-employed contributions (egenavgifter 28.97%) + pension contribution 7%":"Kontribuzzjonijiet ta’ min jaħdem għal rasu (egenavgifter 28.97%) + kontribuzzjoni tal-pensjoni 7%","minimum under the Employment Protection Act (LAS); collective agreements may give more":"minimu skont il-Liġi dwar il-Protezzjoni tal-Impjieg (LAS); il-ftehimiet kollettivi jistgħu jagħtu aktar","Sweden":"L-Iżvezja","Municipal + regional tax rate (%)":"Rata tat-taxxa muniċipali + reġjonali (%)","Member of the Church of Sweden (church fee)":"Membru tal-Knisja tal-Iżvezja (miżata tal-Knisja)","Municipal and regional tax (average 32.38%) on pay after the basic allowance (SEK 17,400–45,600); state tax 20% on taxable income above SEK 643,000 (pay above about SEK 660,400). The employment tax credit (jobbskatteavdrag) and the earned income reduction (up to SEK 1,500) lower the tax; burial fee 0.292% and public service fee 1% (max SEK 1,184) are added.":"Taxxa muniċipali u reġjonali (medja 32.38%) fuq il-paga wara t-tnaqqis bażiku (SEK 17,400–45,600); taxxa tal-istat ta’ 20% fuq dħul taxxabbli ’l fuq minn SEK 643,000 (paga ’l fuq minn madwar SEK 660,400). Il-kreditu tat-taxxa għall-impjieg (jobbskatteavdrag) u t-tnaqqis fuq id-dħul mix-xogħol (sa SEK 1,500) ibaxxu t-taxxa; jiżdiedu l-miżata tad-dfin ta’ 0.292% u l-miżata tas-servizz pubbliku ta’ 1% (massimu SEK 1,184).","You pay a 7% general pension contribution (max SEK 47,100), which is fully credited back against your tax. The employer pays 31.42% social fees on top of your salary.":"Tħallas kontribuzzjoni ġenerali għall-pensjoni ta’ 7% (massimu SEK 47,100), li tiġi kkreditata lura għalkollox kontra t-taxxa. Min iħaddem iħallas 31.42% miżati soċjali fuq is-salarju tiegħek.","The Working Hours Act limits overtime to 200 hours a year (48 per 4 weeks or 50 per month); the premium comes from collective agreements, usually +50% on weekdays and +100% at night and weekends.":"Il-Liġi dwar il-Ħin tax-Xogħol tillimita s-sahra għal 200 siegħa fis-sena (48 kull 4 ġimgħat jew 50 fix-xahar); il-premium ġej mill-ftehimiet kollettivi, normalment +50% fil-jiem tal-ġimgħa u +100% bil-lejl u fi tmiem il-ġimgħa.","Overtime is taxed like normal pay.":"Is-sahra hija intaxxata bħall-paga normali.","200 h / year":"200 siegħa / sena","Sole trader (enskild firma)":"Negozjant waħdu (enskild firma)","Self-employed contributions of 28.97% are paid on the profit (with a provisional 25% deduction), then the same income taxes and tax credits as for employees. F-tax registration and preliminary tax payments are needed.":"Kontribuzzjonijiet ta’ min jaħdem għal rasu ta’ 28.97% jitħallsu fuq il-profitt (bi tnaqqis proviżorju ta’ 25%), imbagħad l-istess taxxi u krediti tat-taxxa bħall-impjegati. Hija meħtieġa reġistrazzjoni F-skatt u ħlasijiet proviżorji tat-taxxa.","18.5% of pensionable pay (16% income pension, 2.5% premium pension in funds), on pay up to SEK 625,500 a year. Claim from 63; target age 67 in 2026. A guarantee pension (about SEK 9,530 a month for a single person with no income pension) tops up low pensions from 67 after 40 years of residence.":"18.5% tal-paga pensjonabbli (16% pensjoni tad-dħul, 2.5% pensjoni premium f’fondi), fuq paga sa SEK 625,500 fis-sena. Talba minn 63; età mmirata 67 fl-2026. Pensjoni garantita (madwar SEK 9,530 fix-xahar għal persuna waħedha mingħajr pensjoni tad-dħul) timla pensjonijiet baxxi minn 67 wara 40 sena ta’ residenza.","Occupational pension":"Pensjoni okkupazzjonali","Nine in ten employees have an occupational pension through a collective agreement, typically 4.5% of pay up to 7.5 income base amounts and 30% above.":"Disa’ minn kull għaxar impjegati għandhom pensjoni okkupazzjonali permezz ta’ ftehim kollettiv, normalment 4.5% tal-paga sa 7.5 ammonti bażiċi tad-dħul u 30% ’il fuq.","Salary exchange (löneväxling) into your occupational pension is paid before tax; employers often add about 6% because their social fees are lower. Private pension savings are not tax-deductible for employees.":"L-iskambju tas-salarju (löneväxling) għall-pensjoni okkupazzjonali jsir qabel it-taxxa; min iħaddem spiss iżid madwar 6% għax il-miżati soċjali tiegħu huma aktar baxxi. It-tfaddil privat għall-pensjoni mhuwiex deduċibbli għall-impjegati.","Occupational pension (ITP, SAF-LO and others) is paid by the employer; salary exchange lets you add more before tax. Payouts are taxed as income. Savings in an investment savings account (ISK) pay a small flat yearly tax instead of 30% on returns.":"Il-pensjoni okkupazzjonali (ITP, SAF-LO u oħrajn) titħallas minn min iħaddem; l-iskambju tas-salarju jħallik iżżid aktar qabel it-taxxa. Il-ħlasijiet huma taxxabbli bħala dħul. It-tfaddil f’kont tal-investiment (ISK) iħallas taxxa annwali fissa żgħira minflok 30% fuq ir-redditi.","May Day":"Jum il-Ħaddiem","Midsummer Day":"Jum nofs is-sajf","All Saints’ Day":"Jum il-Qaddisin Kollha","Boxing Day":"It-tieni jum tal-Milied","25 working days a year under the Annual Leave Act, with 12% holiday pay (or salary plus a holiday supplement), 4 weeks of it in June–August if you wish. Midsummer Eve, Christmas Eve and New Year’s Eve are treated as public holidays by most employers.":"25 jum tax-xogħol fis-sena skont il-Liġi tal-Vaganzi Annwali, b’12% paga tal-vaganzi (jew salarju flimkien ma’ suppliment), 4 ġimgħat minnhom f’Ġunju–Awwissu jekk trid. Lejliet nofs is-sajf, lejliet il-Milied u lejliet l-Ewwel tas-Sena jitqiesu bħala btajjel mill-biċċa l-kbira ta’ min iħaddem.","Parental benefit":"Benefiċċju parentali","480 days per child for both parents (90 reserved for each); can be used until the child is 12":"480 jum għal kull tifel/tifla għaż-żewġ ġenituri (90 riżervati għal kull wieħed); jistgħu jintużaw sakemm it-tifel/tifla jagħlaq 12-il sena","390 days at about 80% of pay (capped at 10 price base amounts), 90 days at SEK 180":"390 jum b’madwar 80% tal-paga (b’limitu ta’ 10 ammonti bażiċi tal-prezzijiet), 90 jum b’SEK 180","Days at birth for the other parent":"Jiem fit-twelid għall-ġenitur l-ieħor","10 days in connection with the birth":"10 ijiem b’rabta mat-twelid","About 80% from Försäkringskassan":"Madwar 80% mill-Försäkringskassan","Care of a sick child (VAB)":"Kura ta’ tifel/tifla marid/a (VAB)","Up to 120 days a year per child under 12":"Sa 120 jum fis-sena għal kull tifel/tifla taħt it-12-il sena","About 80% of pay":"Madwar 80% tal-paga","Employer pays days 2–14 (one deduction day), then Försäkringskassan":"Min iħaddem iħallas il-jiem 2–14 (jum wieħed ta’ tnaqqis), imbagħad il-Försäkringskassan","80% of pay":"80% tal-paga","Dismissal (lack of work)":"Tkeċċija (nuqqas ta’ xogħol)","Notice (LAS)":"Avviż (LAS)","From the employer: 1 month (under 2 years of service), 2 months (2–4), 3 (4–6), 4 (6–8), 5 (8–10), 6 months (10+). From you: 1 month. There is no statutory severance pay; some agreements give transition support.":"Mingħand min iħaddem: xahar (inqas minn sentejn servizz), 2 xhur (2–4), 3 (4–6), 4 (6–8), 5 (8–10), 6 xhur (10+). Minnek: xahar. M’hemmx kumpens statutorju tat-terminazzjoni; xi ftehimiet jagħtu appoġġ għat-tranżizzjoni.","For a-kassa members: 80% of previous pay for the first 100 days (max SEK 1,200 a day), then 70% (max SEK 1,000), up to 300 days.":"Għall-membri ta’ a-kassa: 80% tal-paga ta’ qabel għall-ewwel 100 jum (massimu SEK 1,200 kuljum), imbagħad 70% (massimu SEK 1,000), sa 300 jum.","Above about SEK 660,400 a year, state tax adds 20% on each extra krona.":"Fuq madwar SEK 660,400 fis-sena, it-taxxa tal-istat iżżid 20% fuq kull krona żejda.","Join an a-kassa early: you need 12 months of membership for the earnings-related rate.":"Ingħaqad kmieni ma’ a-kassa: għandek bżonn 12-il xahar sħubija għar-rata marbuta mal-paga.","Child allowance SEK 1,250 a month per child until 16, with a large-family supplement from the 2nd child (SEK 150 for 2 children, 730 for 3, 1,740 for 4).":"Benefiċċju tat-tfal ta’ SEK 1,250 fix-xahar għal kull tifel/tifla sa 16-il sena, b’suppliment għal familji kbar mit-2 tifel/tifla (SEK 150 għal 2 tfal, 730 għal 3, 1,740 għal 4).","No statutory severance":"L-ebda kumpens statutorju","480 days per child shared, ~80% for 390":"480 jum għal kull tifel/tifla maqsuma, ~80% għal 390","10 days at birth + 90 reserved days":"10 ijiem fit-twelid + 90 jum riżervati","Included in the 480 days, until age 12":"Inkluż fl-480 jum, sal-età ta’ 12","80% from day 2 (employer days 2–14)":"80% mit-2 jum (min iħaddem jiem 2–14)","Employee under 66 taxed with the 2026 tax table rules (column 1); the final tax decision can differ slightly. Deductions for travel, union fees and interest, the higher allowances from 66 and housing supplements are not modelled. Typical rent is the SCB average for a 2-room flat.":"Impjegat taħt is-66 sena intaxxat bir-regoli tat-tabelli tat-taxxa 2026 (kolonna 1); id-deċiżjoni finali tat-taxxa tista’ tvarja ftit. Tnaqqis għall-ivvjaġġar, miżati tal-unjin u imgħax, l-eżenzjonijiet ogħla mis-66 u s-sussidji tad-djar mhumiex ikkalkulati. Il-kera tipika hija l-medja tal-SCB għal appartament b’2 kmamar.","Official sources: Skatteverket (Teknisk beskrivning SKV 433 2026, belopp och procent 2026), Pensionsmyndigheten, Försäkringskassan, Statistics Sweden (SCB rents 2025), the Employment Protection Act (LAS).":"Sorsi uffiċjali: Skatteverket (Teknisk beskrivning SKV 433 2026, belopp och procent 2026), Pensionsmyndigheten, Försäkringskassan, Statistics Sweden (kirjiet SCB 2025), il-Liġi dwar il-Protezzjoni tal-Impjieg (LAS).","Employment tax credit at SEK 90,000 (municipal rate 32.84%)":"Kreditu tat-taxxa għall-impjieg f’SEK 90,000 (rata muniċipali 32.84%)","Employment tax credit at SEK 240,000 (municipal rate 32.84%)":"Kreditu tat-taxxa għall-impjieg f’SEK 240,000 (rata muniċipali 32.84%)","Total tax on SEK 55,000 a year (34% table)":"Taxxa totali fuq SEK 55,000 fis-sena (tabella 34%)","Basic allowance at the state-tax breakpoint (SEK 660,400)":"Tnaqqis bażiku fil-limitu tat-taxxa tal-istat (SEK 660,400)","Maximum general pension contribution":"Kontribuzzjoni ġenerali massima għall-pensjoni","Employer notice after 10 years (months)":"Avviż ta’ min iħaddem wara 10 snin (xhur)","Child allowance, 2 children (per month)":"Benefiċċju tat-tfal, 2 tfal (fix-xahar)","Social security contribution (trygdeavgift) 7.6%":"Kontribuzzjoni tas-sigurtà soċjali (trygdeavgift) 7.6%","Tax on ordinary income 22%":"Taxxa fuq id-dħul ordinarju 22%","Bracket tax (trinnskatt)":"Taxxa f’faxex (trinnskatt)","Standard deduction (minstefradrag)":"Tnaqqis standard (minstefradrag)","Employer’s mandatory occupational pension (at least 2%)":"Pensjoni okkupazzjonali obbligatorja ta’ min iħaddem (mill-inqas 2%)","Child benefit (paid separately)":"Benefiċċju tat-tfal (imħallas separatament)","Social security contribution for the self-employed 10.8%":"Kontribuzzjoni tas-sigurtà soċjali għal min jaħdem għal rasu 10.8%","minimum under the Working Environment Act":"minimu skont il-Liġi dwar l-Ambjent tax-Xogħol","age":"età","Norway":"In-Norveġja","Union fees per year (deductible up to NOK 8,700)":"Miżati tal-unjin fis-sena (deduċibbli sa NOK 8,700)","22% on ordinary income after the standard deduction (46% of pay, max NOK 95,700) and the personal allowance of NOK 114,540. Bracket tax on gross pay: 1.7% above NOK 226,100, 4.0% above 318,300, 13.7% above 725,050, 16.8% above 980,100 and 17.8% above 1,467,200.":"22% fuq id-dħul ordinarju wara t-tnaqqis standard (46% tal-paga, massimu NOK 95,700) u l-eżenzjoni personali ta’ NOK 114,540. Taxxa f’faxex fuq il-paga gross: 1.7% fuq NOK 226,100, 4.0% fuq 318,300, 13.7% fuq 725,050, 16.8% fuq 980,100 u 17.8% fuq 1,467,200.","Employee contribution 7.6% of pay (none below NOK 99,650, and never more than 25% of the income above it). The employer pays 14.1% (zone 1) and at least 2% into an occupational pension (OTP) on pay between 1 and 12 G.":"Kontribuzzjoni tal-impjegat ta’ 7.6% tal-paga (xejn taħt NOK 99,650, u qatt aktar minn 25% tad-dħul ’il fuq minnu). Min iħaddem iħallas 14.1% (żona 1) u mill-inqas 2% f’pensjoni okkupazzjonali (OTP) fuq paga bejn 1 u 12 G.","Overtime is paid at least +40% under the Working Environment Act. Max 10 hours a week, 25 hours in 4 weeks and 200 hours a year (up to 300 by agreement).":"Is-sahra titħallas mill-inqas +40% skont il-Liġi dwar l-Ambjent tax-Xogħol. Massimu ta’ 10 sigħat fil-ġimgħa, 25 siegħa f’4 ġimgħat u 200 siegħa fis-sena (sa 300 bi ftehim).","Overtime is taxed like normal pay, often at about 44–50% at the margin.":"Is-sahra hija intaxxata bħall-paga normali, spiss b’madwar 44–50% fil-marġni.","Sole proprietor (ENK)":"Proprjetarju waħdu (ENK)","Profit pays 10.8% social security, bracket tax and 22% on ordinary income after the personal allowance (no standard deduction). Sickness benefit only from day 17 unless you buy extra insurance; no mandatory pension, so save on your own (EPS).":"Il-profitt iħallas 10.8% sigurtà soċjali, taxxa f’faxex u 22% fuq id-dħul ordinarju wara l-eżenzjoni personali (mingħajr tnaqqis standard). Benefiċċju tal-mard biss mis-17-il jum sakemm ma tixtrix assigurazzjoni żejda; l-ebda pensjoni obbligatorja, allura ffranka waħdek (EPS).","National retirement pension":"Pensjoni nazzjonali tal-irtirar","18.1% of each year’s income up to 7.1 G (G = NOK 136,549 from May 2026) is added to your pension account. Claim flexibly from 62 to 75 (from 62 only if the pension at 67 reaches the guarantee level); a later start gives more per year. Guarantee pension up to NOK 253,787 a year (single, 40 years of residence) from 67.":"18.1% tad-dħul ta’ kull sena sa 7.1 G (G = NOK 136,549 minn Mejju 2026) jiżdied mal-kont tal-pensjoni tiegħek. Talba flessibbli minn 62 sa 75 (minn 62 biss jekk il-pensjoni f’67 tilħaq il-livell garantit); bidu aktar tard jagħti aktar fis-sena. Pensjoni garantita sa NOK 253,787 fis-sena (waħdu, 40 sena residenza) minn 67.","Occupational pension and AFP":"Pensjoni okkupazzjonali u AFP","Employers must pay at least 2% of pay between 1 and 12 G into OTP; many pay 5–7%. In firms with a collective agreement, the AFP adds a lifelong supplement.":"Min iħaddem irid iħallas mill-inqas 2% tal-paga bejn 1 u 12 G fl-OTP; ħafna jħallsu 5–7%. F’kumpaniji bi ftehim kollettiv, l-AFP iżżid suppliment għal għomru.","Individual pension savings (IPS): up to NOK 15,000 a year is deducted from ordinary income (22% saving). Employer OTP contributions are tax-free for you.":"Tfaddil individwali għall-pensjoni (IPS): sa NOK 15,000 fis-sena jitnaqqsu mid-dħul ordinarju (iffrankar ta’ 22%). Il-kontribuzzjonijiet OTP ta’ min iħaddem huma ħielsa mit-taxxa għalik.","OTP from the employer (at least 2%, often 5–7%) and IPS (up to NOK 15,000 a year, deductible at 22%). Payouts are taxed as pension income. Deposit interest is taxed at 22%.":"OTP mingħand min iħaddem (mill-inqas 2%, spiss 5–7%) u IPS (sa NOK 15,000 fis-sena, deduċibbli b’22%). Il-ħlasijiet huma taxxabbli bħala dħul mill-pensjoni. L-imgħax fuq id-depożiti huwa intaxxat b’22%.","25 working days a year under the Holiday Act (counting Saturdays, so 4 weeks and 1 day); most collective agreements give 5 weeks. Holiday pay is 10.2% of last year’s pay (12% with 5 weeks), paid in June instead of salary; 2.3% extra from age 60.":"25 jum tax-xogħol fis-sena skont il-Liġi tal-Vaganzi (inkluż is-Sibtijiet, jiġifieri 4 ġimgħat u jum); il-biċċa l-kbira tal-ftehimiet kollettivi jagħtu 5 ġimgħat. Il-paga tal-vaganzi hija 10.2% tal-paga tas-sena ta’ qabel (12% b’5 ġimgħat), imħallsa f’Ġunju minflok is-salarju; 2.3% żejda mis-60 sena.","49 weeks at 100% or 61 weeks at 80%; 3 weeks before the birth and 15 weeks for each parent are reserved":"49 ġimgħa b’100% jew 61 ġimgħa b’80%; 3 ġimgħat qabel it-twelid u 15-il ġimgħa għal kull ġenitur huma riżervati","100% (or 80%) of pay up to 6 G (NOK 819,294 a year)":"100% (jew 80%) tal-paga sa 6 G (NOK 819,294 fis-sena)","Leave for the other parent at birth":"Leave għall-ġenitur l-ieħor fit-twelid","2 weeks in connection with the birth":"Ġimgħatejn b’rabta mat-twelid","Paid by many employers or by agreement":"Imħallas minn ħafna minn iħaddmu jew bi ftehim","Care of a sick child":"Kura ta’ tifel/tifla marid/a","10 days a year per parent (15 with 3+ children), child under 12":"10 ijiem fis-sena għal kull ġenitur (15 bi 3 tfal jew aktar), tifel/tifla taħt it-12-il sena","100% (employer, then NAV)":"100% (min iħaddem, imbagħad NAV)","Employer pays the first 16 days, then NAV, up to 1 year":"Min iħaddem iħallas l-ewwel 16-il jum, imbagħad NAV, sa sena","100% of pay up to 6 G":"100% tal-paga sa 6 G","Dismissal (redundancy)":"Tkeċċija (redundancy)","1 month, 2 months after 5 years and 3 months after 10 years of service; with 10+ years the employer must give 4 months from age 50, 5 from 55 and 6 from 60. Dismissal needs objective grounds. There is no statutory severance pay.":"Xahar, xahrejn wara 5 snin u 3 xhur wara 10 snin servizz; b’10 snin jew aktar min iħaddem irid jagħti 4 xhur mill-50 sena, 5 mill-55 u 6 mis-60. It-tkeċċija teħtieġ raġunijiet oġġettivi. M’hemmx kumpens statutorju tat-terminazzjoni.","Unemployment benefit (dagpenger)":"Benefiċċju tal-qgħad (dagpenger)","62.4% of previous income up to 6 G, for 104 weeks if you earned at least 2 G (52 weeks otherwise). Requires income of at least 1.5 G in the last 12 months.":"62.4% tad-dħul ta’ qabel sa 6 G, għal 104 ġimgħat jekk qlajt mill-inqas 2 G (inkella 52 ġimgħa). Jeħtieġ dħul ta’ mill-inqas 1.5 G fl-aħħar 12-il xahar.","Above NOK 725,050 bracket tax jumps to 13.7%, so each extra krone keeps only about half.":"Fuq NOK 725,050 it-taxxa f’faxex taqbeż għal 13.7%, allura minn kull krona żejda żżomm biss madwar nofsha.","IPS: saving NOK 15,000 a year in a pension account cuts your tax by NOK 3,300.":"IPS: tfaddil ta’ NOK 15,000 fis-sena f’kont tal-pensjoni jnaqqas it-taxxa tiegħek b’NOK 3,300.","Child benefit NOK 2,012 a month per child under 18 from February 2026, not means-tested.":"Benefiċċju tat-tfal ta’ NOK 2,012 fix-xahar għal kull tifel/tifla taħt it-18-il sena minn Frar 2026, mingħajr test tal-mezzi.","49 weeks at 100% (shared, 15 reserved each)":"49 ġimgħa b’100% (maqsuma, 15 riżervati għal kull wieħed)","15 reserved weeks + 2 at birth":"15-il ġimgħa riżervati + 2 fit-twelid","Included in the 49 weeks":"Inkluż fid-49 ġimgħa","100% up to 6 G from day 1":"100% sa 6 G mill-ewwel jum","Employee in tax zone 1 (not Finnmark or Nord-Troms), taxed as single (tax class 1); the annual settlement can differ from monthly withholding. Interest, travel and other deductions are not modelled. Typical rent is the SSB average for a 2-room flat; energy costs are raised with general inflation because 2020 electricity prices were unusually low.":"Impjegat fiż-żona tat-taxxa 1 (mhux Finnmark jew Nord-Troms), intaxxat bħala waħdu (klassi 1); is-saldu annwali jista’ jvarja miż-żamma kull xahar. Imgħax, ivvjaġġar u tnaqqis ieħor mhumiex ikkalkulati. Il-kera tipika hija l-medja tal-SSB għal appartament b’2 kmamar; l-ispejjeż tal-enerġija jiżdiedu bl-inflazzjoni ġenerali għax il-prezzijiet tal-elettriku fl-2020 kienu baxxi b’mod mhux tas-soltu.","Official sources: Skatteetaten (rates 2026), NAV (G from May 2026, guarantee pension, child benefit, dagpenger), Statistics Norway (rental survey 2025), the Working Environment Act.":"Sorsi uffiċjali: Skatteetaten (rati 2026), NAV (G minn Mejju 2026, pensjoni garantita, benefiċċju tat-tfal, dagpenger), Statistics Norway (stħarriġ tal-kirjiet 2025), il-Liġi dwar l-Ambjent tax-Xogħol.","Bracket tax on NOK 800,000":"Taxxa f’faxex fuq NOK 800,000","Maximum standard deduction (minstefradrag)":"Tnaqqis standard massimu (minstefradrag)","Social security at NOK 100,000 (25% rule above NOK 99,650)":"Sigurtà soċjali f’NOK 100,000 (regola tal-25% fuq NOK 99,650)","Employee social security, NOK 600,000":"Sigurtà soċjali tal-impjegat, NOK 600,000","Guarantee pension, single, high rate (per year)":"Pensjoni garantita, waħdu, rata għolja (fis-sena)","Notice after 10 years at age 56 (months)":"Avviż wara 10 snin f’età ta’ 56 (xhur)","Maximum unemployment benefit per day (62.4% of 6 G / 260)":"Benefiċċju massimu tal-qgħad kuljum (62.4% ta’ 6 G / 260)","Child benefit per child (per month)":"Benefiċċju tat-tfal għal kull tifel/tifla (fix-xahar)","Unemployment insurance 0.89% + daily allowance contribution 0.88%":"Assigurazzjoni kontra l-qgħad 0.89% + kontribuzzjoni għall-allowance ta’ kuljum 0.88%","State income tax (after the work income deduction)":"Taxxa tal-istat fuq id-dħul (wara t-tnaqqis tad-dħul mix-xogħol)","Health care contribution 1.10% + Yle tax":"Kontribuzzjoni għall-kura tas-saħħa 1.10% + taxxa Yle","Work income deduction (työtulovähennys)":"Tnaqqis tad-dħul mix-xogħol (työtulovähennys)","Self-employed pension (YEL) 24.4%":"Pensjoni ta’ min jaħdem għal rasu (YEL) 24.4%","14 days":"14-il jum","minimum under the Employment Contracts Act; agreements may differ":"minimu skont il-Liġi dwar il-Kuntratti tax-Xogħol; il-ftehimiet jistgħu jvarjaw","Finland":"Il-Finlandja","Church member (church tax)":"Membru tal-Knisja (taxxa tal-Knisja)","State tax 12.64% up to €22,000, 19% to €32,600, 30.25% to €40,100, 33.25% to €52,100 and 37.5% above; municipal tax (average 7.57%) after the basic deduction (up to €4,265); church tax about 1.38% for members; health care contribution 1.10%; Yle tax 2.5% above €15,150 (max €163). The work income deduction (18% of pay, max €3,430, +€105 per child) is taken from the tax.":"Taxxa tal-istat ta’ 12.64% sa €22,000, 19% sa €32,600, 30.25% sa €40,100, 33.25% sa €52,100 u 37.5% ’il fuq; taxxa muniċipali (medja 7.57%) wara t-tnaqqis bażiku (sa €4,265); taxxa tal-Knisja ta’ madwar 1.38% għall-membri; kontribuzzjoni għall-kura tas-saħħa 1.10%; taxxa Yle ta’ 2.5% fuq €15,150 (massimu €163). It-tnaqqis tad-dħul mix-xogħol (18% tal-paga, massimu €3,430, +€105 għal kull tifel/tifla) jitnaqqas mit-taxxa.","Employee pension 7.30% (8.80% at ages 53–62), unemployment insurance 0.89% and daily allowance contribution 0.88%, all deductible. The employer pays about 17.1% pension plus 3.4% other insurances.":"Pensjoni tal-impjegat 7.30% (8.80% f’età ta’ 53–62), assigurazzjoni kontra l-qgħad 0.89% u kontribuzzjoni għall-allowance ta’ kuljum 0.88%, kollha deduċibbli. Min iħaddem iħallas madwar 17.1% pensjoni flimkien ma’ 3.4% assigurazzjonijiet oħra.","Daily overtime: +50% for the first 2 hours and +100% after; weekly overtime +50% for the first 8 hours and +100% after. Sunday work +100%. Max 138 hours in 4 months and 250 a year (more by agreement).":"Sahra ta’ kuljum: +50% għall-ewwel 2 sigħat u +100% wara; sahra ta’ kull ġimgħa +50% għall-ewwel 8 sigħat u +100% wara. Xogħol tal-Ħadd +100%. Massimu ta’ 138 siegħa f’4 xhur u 250 fis-sena (aktar bi ftehim).","Self-employed (toiminimi)":"Min jaħdem għal rasu (toiminimi)","YEL pension insurance is compulsory above about €9,400 of YEL income, at 24.4% (22% discount for new entrepreneurs for 4 years); it is deductible. Profit is taxed as earned income with the same scale; part can be taxed as capital income depending on net assets. Not modelled: the 22% discount and capital income share.":"L-assigurazzjoni tal-pensjoni YEL hija obbligatorja ’l fuq minn madwar €9,400 ta’ dħul YEL, b’24.4% (skont ta’ 22% għal intraprendituri ġodda għal 4 snin); hija deduċibbli. Il-profitt jiġi intaxxat bħala dħul mix-xogħol bl-istess skala; parti tista’ tiġi intaxxata bħala dħul kapitali skont l-assi netti. Mhux ikkalkulati: l-iskont ta’ 22% u s-sehem kapitali.","Earnings-related pension":"Pensjoni marbuta mal-qligħ","1.5% of each year’s pay is earned as pension, adjusted by the life-expectancy coefficient. The lowest old-age pension age is 65 for those born from 1965 (rising with life expectancy), and each month of deferral adds 0.4%.":"1.5% tal-paga ta’ kull sena jinkiseb bħala pensjoni, aġġustat bil-koeffiċjent tal-istennija tal-għomor. L-inqas età tal-pensjoni hija 65 għal dawk imwielda mill-1965 (tiżdied mal-istennija tal-għomor), u kull xahar ta’ differiment iżid 0.4%.","National and guarantee pension":"Pensjoni nazzjonali u garantita","Kela’s national pension (up to €787.07 a month for a single person) and guarantee pension (total pension at least €990.90 a month) top up small earnings-related pensions.":"Il-pensjoni nazzjonali tal-Kela (sa €787.07 fix-xahar għal persuna waħedha) u l-pensjoni garantita (pensjoni totali ta’ mill-inqas €990.90 fix-xahar) jimlew pensjonijiet żgħar marbuta mal-qligħ.","Voluntary pension savings (PS) of up to €5,000 a year are deductible from capital income, or as a 30% credit against earned income tax if you have no capital income. Payouts are capital income.":"Tfaddil volontarju għall-pensjoni (PS) sa €5,000 fis-sena huwa deduċibbli mid-dħul kapitali, jew bħala kreditu ta’ 30% kontra t-taxxa fuq id-dħul mix-xogħol jekk m’għandekx dħul kapitali. Il-ħlasijiet huma dħul kapitali.","The statutory earnings-related pension covers most people well; voluntary PS savings (up to €5,000 a year) get a deduction worth about 30%. Deposit interest and fund gains pay 30% capital income tax (34% above €30,000).":"Il-pensjoni statutorja marbuta mal-qligħ tkopri tajjeb lil ħafna nies; it-tfaddil volontarju PS (sa €5,000 fis-sena) jingħata tnaqqis li jiswa madwar 30%. L-imgħax fuq id-depożiti u l-qligħ mill-fondi jħallsu 30% taxxa fuq id-dħul kapitali (34% fuq €30,000).","2.5 days of leave for each full month worked (2 days in the first year), counted in weekdays Mon–Sat: 30 days, equal to 5 weeks. Most collective agreements add a holiday bonus (lomaraha) of 50% of holiday pay. Midsummer Eve and Christmas Eve are usually days off.":"2.5 ijiem leave għal kull xahar sħiħ maħdum (jumejn fl-ewwel sena), magħduda f’jiem tal-ġimgħa mit-Tnejn sas-Sibt: 30 jum, daqs 5 ġimgħat. Il-biċċa l-kbira tal-ftehimiet kollettivi jżidu bonus tal-vaganzi (lomaraha) ta’ 50% tal-paga tal-vaganzi. Lejliet nofs is-sajf u lejliet il-Milied normalment huma jiem liberi.","Pregnancy allowance":"Allowance tat-tqala","40 working days before the birth":"40 jum tax-xogħol qabel it-twelid","About 90% of pay for the first 56 days, then about 70%":"Madwar 90% tal-paga għall-ewwel 56 jum, imbagħad madwar 70%","160 days per parent (up to 63 transferable) until the child is 2":"160 jum għal kull ġenitur (sa 63 trasferibbli) sakemm it-tifel/tifla jagħlaq sentejn","About 70% of pay from Kela":"Madwar 70% tal-paga mill-Kela","Temporary care leave":"Leave temporanju għall-kura","Up to 4 days for a sick child under 10":"Sa 4 ijiem għal tifel/tifla marid/a taħt l-10 snin","Often paid by collective agreement":"Spiss imħallas bi ftehim kollettiv","Employer pays the day you fall ill and the next 9 working days, then Kela":"Min iħaddem iħallas il-jum li timrad u d-9 ijiem tax-xogħol ta’ wara, imbagħad il-Kela","100%, then about 70% sickness allowance":"100%, imbagħad madwar 70% allowance tal-mard","Dismissal (financial or production reasons)":"Tkeċċija (raġunijiet finanzjarji jew ta’ produzzjoni)","From the employer: 14 days (under 1 year of service), 1 month (1–4 years), 2 months (4–8), 4 months (8–12), 6 months (12+). From you: 14 days, or 1 month after 5 years. No statutory severance pay; compensation only for unjustified dismissal.":"Mingħand min iħaddem: 14-il jum (inqas minn sena servizz), xahar (1–4 snin), 2 xhur (4–8), 4 xhur (8–12), 6 xhur (12+). Minnek: 14-il jum, jew xahar wara 5 snin. L-ebda kumpens statutorju; kumpens biss għal tkeċċija inġusta.","Unemployment allowance":"Allowance tal-qgħad","Earnings-related allowance for unemployment fund members: €37.21 a day + 45% of the daily wage above it (20% above the split point), reduced to 80% after 8 weeks and 75% after 34 weeks, for 400 days (300 with less than 3 years of work).":"Allowance marbuta mal-qligħ għall-membri ta’ fond tal-qgħad: €37.21 kuljum + 45% tal-paga ta’ kuljum ’il fuq minnha (20% ’il fuq mill-punt tal-qsim), imnaqqsa għal 80% wara 8 ġimgħat u 75% wara 34 ġimgħa, għal 400 jum (300 b’inqas minn 3 snin xogħol).","Above about €52,100 the state tax is 37.5%, so the marginal tax is about 52%.":"Fuq madwar €52,100 it-taxxa tal-istat hija 37.5%, allura t-taxxa marġinali hija madwar 52%.","Join an unemployment fund (työttömyyskassa) to get the earnings-related allowance instead of the basic €37.21 a day.":"Ingħaqad ma’ fond tal-qgħad (työttömyyskassa) biex tieħu l-allowance marbuta mal-qligħ minflok il-bażi ta’ €37.21 kuljum.","Child benefit (lapsilisä) 2026: €94.88 a month for the first child, €104.84 for the second, €133.79 for the third, €153.24 for the fourth and €172.69 for each further child, until 17; single parents get €73.30 more per child.":"Benefiċċju tat-tfal (lapsilisä) 2026: €94.88 fix-xahar għall-ewwel tifel/tifla, €104.84 għat-tieni, €133.79 għat-tielet, €153.24 għar-raba’ u €172.69 għal kull tifel/tifla ieħor/oħra, sal-età ta’ 17; ġenituri waħedhom jirċievu €73.30 aktar għal kull tifel/tifla.","40 days pregnancy + 160 days parental":"40 jum tqala + 160 jum parentali","160 days parental (63 transferable)":"160 jum parentali (63 trasferibbli)","160 days per parent until age 2":"160 jum għal kull ġenitur sal-età ta’ sentejn","100% for 10 days, then ~70% (Kela)":"100% għal 10 ijiem, imbagħad ~70% (Kela)","Employee under 65, annual tax as in the tax decision (monthly withholding uses a tax card percentage). For salaries below about €35,000 the result can be up to 1% of pay higher than the Finnish Taxpayers’ Association figures. Deductions for travel, union fees and household work, and the pension income deduction, are not modelled.":"Impjegat taħt il-65 sena, taxxa annwali kif fid-deċiżjoni tat-taxxa (iż-żamma kull xahar tuża persentaġġ tal-karta tat-taxxa). Għal salarji taħt madwar €35,000 ir-riżultat jista’ jkun sa 1% tal-paga ogħla miċ-ċifri tal-Assoċjazzjoni tal-Kontribwenti Finlandiżi. Tnaqqis għall-ivvjaġġar, miżati tal-unjin u xogħol domestiku, u t-tnaqqis fuq id-dħul mill-pensjoni, mhumiex ikkalkulati.","Official sources: Finnish Tax Administration (vero.fi), Government proposal HE 98/2025 (2026 tax scale and deductions), Kela (national pension, child benefit, unemployment allowance), Finnish Centre for Pensions, Employment Contracts Act; cross-checked with the Finnish Taxpayers’ Association 2026 tables.":"Sorsi uffiċjali: Amministrazzjoni tat-Taxxa Finlandiża (vero.fi), proposta tal-gvern HE 98/2025 (skala u tnaqqis 2026), Kela (pensjoni nazzjonali, benefiċċju tat-tfal, allowance tal-qgħad), Ċentru Finlandiż tal-Pensjonijiet, Liġi dwar il-Kuntratti tax-Xogħol; ivverifikati mat-tabelli 2026 tal-Assoċjazzjoni tal-Kontribwenti Finlandiżi.","Taxes and contributions on €40,000 (municipal 7.57%, church member)":"Taxxi u kontribuzzjonijiet fuq €40,000 (muniċipali 7.57%, membru tal-Knisja)","Taxes and contributions on €50,000":"Taxxi u kontribuzzjonijiet fuq €50,000","Taxes and contributions on €60,000":"Taxxi u kontribuzzjonijiet fuq €60,000","Taxes and contributions on €100,000":"Taxxi u kontribuzzjonijiet fuq €100,000","State tax on taxable income of €40,100":"Taxxa tal-istat fuq dħul taxxabbli ta’ €40,100","Full guarantee pension (per month)":"Pensjoni garantita sħiħa (fix-xahar)","Employer notice after 12 years":"Avviż ta’ min iħaddem wara 12-il sena","Child benefit, 2 children (per month)":"Benefiċċju tat-tfal, 2 tfal (fix-xahar)","From about €35,000 a year take-home pay matches the Finnish Taxpayers’ Association figures within a few euros; below that, taxes can come out up to 1% of pay too high.":"Minn madwar €35,000 fis-sena, il-paga netta taqbel maċ-ċifri tal-Assoċjazzjoni tal-Kontribwenti Finlandiżi b’differenza ta’ ftit ewro; taħt dan, it-taxxi jistgħu joħorġu sa 1% tal-paga ogħla.","Only the tax rates and allowances are checked one by one; take-home pay has not been tested against an official calculator end to end.":"Ir-rati u t-tnaqqis biss huma ċċekkjati wieħed wieħed; il-paga netta ma ġietx ittestjata kollha ma’ kalkulatur uffiċjali.","Only the full folkepension amount is checked; ATP is a rough estimate and labour-market pensions, the main source of income in retirement, are not included.":"L-ammont sħiħ tal-folkepension biss huwa ċċekkjat; l-ATP huwa stima approssimattiva u l-pensjonijiet tas-suq tax-xogħol, is-sors ewlieni tad-dħul fl-irtirar, mhumiex inklużi.","The life-expectancy divisors by claim age are approximate and pension tax uses a simplified allowance from 66; use your statement at minpension.se for exact figures.":"Id-diviżuri tal-istennija tal-għomor skont l-età tat-talba huma approssimattivi u t-taxxa fuq il-pensjoni tuża tnaqqis simplifikat mis-66; uża r-rendikont tiegħek fuq minpension.se għal ċifri eżatti.","Only the guarantee pension is checked; the life-expectancy divisors are approximate, and the pension income tax credit and AFP are not included.":"Il-pensjoni garantita biss hija ċċekkjata; id-diviżuri tal-istennija tal-għomor huma approssimattivi, u l-kreditu tat-taxxa għall-pensjonanti u l-AFP mhumiex inklużi.","Only the guarantee pension is checked; the life-expectancy coefficient is approximate and the pension income deduction is not modelled, so net pension is an estimate.":"Il-pensjoni garantita biss hija ċċekkjata; il-koeffiċjent tal-istennija tal-għomor huwa approssimattiv u t-tnaqqis fuq id-dħul mill-pensjoni mhuwiex ikkalkulat, allura l-pensjoni netta hija stima.","The earnings-related unemployment allowance is estimated with a simplified daily wage; the official amount depends on your exact earnings history.":"L-allowance tal-qgħad marbuta mal-qligħ hija stmata b’paga ta’ kuljum simplifikata; l-ammont uffiċjali jiddependi mill-istorja eżatta tal-qligħ tiegħek.","The new 2025 unemployment rules (income-based qualification) are simplified to 80% for 100 days and 70% after.":"Ir-regoli l-ġodda tal-qgħad tal-2025 (kwalifika bbażata fuq id-dħul) huma simplifikati għal 80% għal 100 jum u 70% wara.","Enter past and current pay in today’s money. “Raise above inflation” is only the extra real growth you expect on top of price rises (0 = your pay just keeps up with inflation); it matters because the pension is based on your whole career’s pay.":"Daħħal il-pagi tal-passat u ta’ issa fi flus tal-lum. “Żieda ’l fuq mill-inflazzjoni” hija biss it-tkabbir reali żejjed li tistenna fuq iż-żieda fil-prezzijiet (0 = il-paga tiegħek sempliċement iżżomm mal-inflazzjoni); tgħodd għax il-pensjoni tiddependi mill-paga tal-karriera kollha tiegħek.","Disclaimer:":"Ċaħda ta’ responsabbiltà:","These calculations are indicative and based on the tax, social-security, pension and labour rules in force. Actual amounts may differ. Consult the official authority or a qualified tax or pension adviser for personalised advice.":"Dawn il-kalkoli huma indikattivi u bbażati fuq ir-regoli tat-taxxa, tas-sigurtà soċjali, tal-pensjonijiet u tax-xogħol fis-seħħ. L-ammonti reali jistgħu jvarjaw. Ikkonsulta l-awtorità uffiċjali jew konsulent kwalifikat tat-taxxa jew tal-pensjonijiet għal parir personali.","Meal card / month (benefit)":"Karta tal-ikel / xahar (benefiċċju)","Company car, value / month":"Karozza tal-kumpanija, valur / xahar","Fuel allowance / month":"Allowance tal-fjuwil / xahar","Relocation bonus (one-off)":"Bonus tar-rilokazzjoni (darba)","Tax incentive / year (net saving)":"Inċentiv tat-taxxa / sena (iffrankar nett)","Benefits are counted at the yearly value you enter. Company car: use what it saves you (a similar private lease plus insurance and maintenance, often 300–700 a month). Relocation bonus counts in the first year. Tax incentive: e.g. a new-resident regime (see the Salary tab). Benefits in kind may be partly taxable, which is not modelled here.":"Il-benefiċċji jgħoddu bil-valur annwali li ddaħħal. Karozza tal-kumpanija: daħħal kemm tiffrankak (kiri privat simili b’assigurazzjoni u manutenzjoni, spiss 300–700 fix-xahar). Il-bonus tar-rilokazzjoni jgħodd fl-ewwel sena. Inċentiv tat-taxxa: eż. skema għal residenti ġodda (ara t-tab Salarju). Il-benefiċċji in natura jistgħu jkunu taxxabbli parzjalment, u dan mhux ikkalkulat hawn.","Meal card (benefit, × 12)":"Karta tal-ikel (benefiċċju, × 12)","Net pay + meal card / year":"Paga netta + karta tal-ikel / sena","Treated as tax-free; most countries exempt meal cards only up to a daily limit, and above it the excess is taxed as pay.":"Meqjusa bħala ħielsa mit-taxxa; il-biċċa l-kbira tal-pajjiżi jeżentaw il-karti tal-ikel biss sa limitu kuljum, u ’l fuq minnu l-eċċess jiġi ntaxxat bħala paga.","Age ":"Età","Simulated new amount (optional)":"Ammont ġdid simulat (mhux obbligatorju)","incl. bonus {b} and meal card {m} a month":"inkl. bonus {b} u karta tal-ikel {m} fix-xahar","First enter what you spend today in each category. To test a change, type in “Simulated new amount” what you would spend instead, lower or higher; leave it empty to keep today’s amount. The table below then shows the difference from today for each category (a saving, or an extra cost if higher), what it adds up to over the years and how it moves the age at which you could stop working.":"L-ewwel daħħal kemm tonfoq illum f’kull kategorija. Biex tittestja bidla, ikteb f’“Ammont ġdid simulat” kemm tonfoq minflok, inqas jew aktar; ħallih vojt biex iżżomm l-ammont tal-lum. It-tabella t’isfel imbagħad turi d-differenza mil-lum għal kull kategorija (iffrankar, jew spiża żejda jekk ikun ogħla), kemm tammonta matul is-snin u kif tbiddel l-età li fiha tista’ tieqaf taħdem.","Difference from today / month":"Differenza mil-lum / xahar","Tax-free":"Ħieles mit-taxxa","Starting amount":"Ammont tal-bidu","Monthly contribution":"Kontribuzzjoni fix-xahar","Yearly increase of contributions (%)":"Żieda annwali tal-kontribuzzjonijiet (%)","Annual interest rate (%)":"Rata tal-imgħax annwali (%)","Years":"Snin","Compounding":"Kompożizzjoni","Yearly":"Annwali","Quarterly":"Kull tliet xhur","Daily":"Kuljum","Contributions at the":"Kontribuzzjonijiet fil-","Start of each month":"Bidu ta’ kull xahar","End of each month":"Tmiem kull xahar","Tax on gains when you withdraw (%)":"Taxxa fuq il-qligħ meta tiġbed (%)","See how a starting amount and regular savings grow when the interest itself earns interest. Amounts in the currency of the selected country; change the country at the top.":"Ara kif ammont tal-bidu u tfaddil regolari jikbru meta l-imgħax innifsu jaqla’ l-imgħax. Ammonti fil-munita tal-pajjiż magħżul; biddel il-pajjiż fuq nett.","from {p} paid in · interest earned {g}":"minn {p} imħallsa · imgħax maqlugħ {g}","tax on gains {t}":"taxxa fuq il-qligħ {t}","starting amount + contributions":"ammont tal-bidu + kontribuzzjonijiet","Interest earned":"Imgħax maqlugħ","of the final balance":"tal-bilanċ finali","In today’s money":"Fi flus tal-lum","after {i} inflation a year":"b’inflazzjoni ta’ {i} fis-sena","Money doubles in":"Il-flus jirdoppjaw f’","years at this rate (rule of 72)":"snin b’din ir-rata (regola tat-72)","Paid in":"Imħallas","Interest":"Imgħax","Year ":"Sena","Paid in this year":"Imħallas din is-sena","Interest this year":"Imgħax din is-sena","How it works: each month interest is added at the rate you entered, converted to your compounding frequency (effective yearly rate {e}), and your contribution is added at the start or end of the month; contributions rise each year by the increase you enter. Tax on gains is taken once at the end. Fees are not included. This is an illustration, not financial advice: real returns vary and are not guaranteed.":"Kif taħdem: kull xahar jiżdied imgħax bir-rata li daħħalt, maqluba għall-frekwenza tal-kompożizzjoni tiegħek (rata annwali effettiva {e}), u l-kontribuzzjoni tiegħek tiżdied fil-bidu jew fit-tmiem tax-xahar; il-kontribuzzjonijiet jiżdiedu kull sena biż-żieda li ddaħħal. It-taxxa fuq il-qligħ tittieħed darba fl-aħħar. It-tariffi mhumiex inklużi. Din hija illustrazzjoni, mhux parir finanzjarju: ir-redditi reali jvarjaw u mhumiex garantiti.","Compound interest":"Imgħax kompost","Your savings plan":"Il-pjan tat-tfaddil tiegħek","Growth year by year":"Tkabbir sena b’sena","Share":"Aqsam","Share this scenario":"Aqsam dan ix-xenarju","Send the link or the scenario code to someone. They open the link, or paste the code below and press Load, and see exactly your inputs. Nothing is uploaded: the scenario is stored inside the link and the code.":"Ibgħat il-link jew il-kodiċi tax-xenarju lil xi ħadd. Jiftaħ il-link, jew jwaħħal il-kodiċi hawn taħt u jagħfas Tella’, u jara eżatt id-dettalji tiegħek. Xejn ma jittella’ online: ix-xenarju jinsab ġewwa l-link u l-kodiċi.","Link":"Link","Scenario code":"Kodiċi tax-xenarju","Copy":"Ikkopja","Share…":"Aqsam…","Open a shared scenario":"Iftaħ xenarju maqsum","Paste a scenario code or link here":"Waħħal hawn kodiċi jew link ta’ xenarju","Load":"Tella’","Close":"Agħlaq","Copied to clipboard":"Ikkupjat fil-clipboard","This code could not be read.":"Dan il-kodiċi ma setax jinqara.","Shared scenario loaded":"Ix-xenarju maqsum ittella’","My scenario in PayAbacus (open the link, or paste the code in Share → Open a shared scenario):":"Ix-xenarju tiegħi f’PayAbacus (iftaħ il-link, jew waħħal il-kodiċi f’Aqsam → Iftaħ xenarju maqsum):","Amounts in {c}.":"Ammonti f’{c}.","Tip: click a line, bar or legend entry to highlight that country in orange; click it again to go back.":"Ħjiel: agħfas fuq linja, bar jew daħla tal-leġġenda biex dak il-pajjiż jinxtegħel bl-oranġjo; agħfas mill-ġdid biex terġa’ lura.","How to read purchasing power":"Kif jinqara l-poter tal-akkwist","Purchasing power is not the salary converted at the exchange rate. It is measured in purchasing-power (PPP) dollars: one PPP dollar buys the same basket of goods and services in every country as one dollar buys in the United States. This removes the differences in prices between countries, so a higher number really buys more.":"Il-poter tal-akkwist mhuwiex is-salarju maqlub bir-rata tal-kambju. Jitkejjel f’dollari tal-poter tal-akkwist (PPP): dollaru PPP jixtri f’kull pajjiż l-istess qoffa ta’ oġġetti u servizzi li jixtri dollaru fl-Istati Uniti. Dan ineħħi d-differenzi fil-prezzijiet bejn il-pajjiżi, u għalhekk numru ogħla verament jixtri aktar.","Example, {c} {y}: the average salary is <b>{n}</b> a year as paid. At the exchange rate that is about {x}, but prices in {c} are lower than in the US (about {r} buys what $1 buys there), so the salary buys what <b>{p}</b> would buy in the US.":"Eżempju, {c} {y}: is-salarju medju huwa <b>{n}</b> fis-sena kif imħallas. Bir-rata tal-kambju dan huwa madwar {x}, iżda l-prezzijiet f’{c} huma orħos milli fl-Istati Uniti (madwar {r} jixtri dak li jixtri $1 hemm), għalhekk is-salarju jixtri dak li jixtru <b>{p}</b> fl-Istati Uniti.","Example, {c} {y}: the average salary is <b>{n}</b> a year as paid. At the exchange rate that is about {x}, but prices in {c} are higher than in the US (about {r} buys what $1 buys there), so the salary buys only what <b>{p}</b> would buy in the US.":"Eżempju, {c} {y}: is-salarju medju huwa <b>{n}</b> fis-sena kif imħallas. Bir-rata tal-kambju dan huwa madwar {x}, iżda l-prezzijiet f’{c} huma ogħla milli fl-Istati Uniti (madwar {r} jixtri dak li jixtri $1 hemm), għalhekk is-salarju jixtri biss dak li jixtru <b>{p}</b> fl-Istati Uniti.","To compare countries, use the purchasing-power column: the as-paid amounts are in different currencies and ignore how expensive each country is.":"Biex tqabbel il-pajjiżi, uża l-kolonna tal-poter tal-akkwist: l-ammonti kif imħallsa huma f’muniti differenti u ma jqisux kemm hu għali kull pajjiż.","At the exchange rate {y} (USD)":"Bir-rata tal-kambju {y} (USD)","Exchange-rate dollars use the ECB yearly average reference rates (US dollars and pounds per euro).":"Id-dollari bir-rata tal-kambju jużaw ir-rati ta’ referenza medji annwali tal-BĊE (dollari Amerikani u liri sterlini għal kull ewro).","Simulated new amount / month":"Ammont ġdid simulat / xahar","Spending / month (simulated)":"Infiq / xahar (simulat)","with your simulated amounts · today {v}":"bl-ammonti simulati tiegħek · illum {v}","Saved / month (simulated)":"Iffrankat / xahar (simulat)","{p} of your net income · today {v}":"{p} tad-dħul nett tiegħek · illum {v}","Today (current spend) / month":"Illum (infiq attwali) / xahar","Today (current spend)":"Illum (infiq attwali)","with your simulated amounts (today’s amount where none is typed), keeping enough money until age {p}":"bl-ammonti simulati tiegħek (l-ammont tal-lum fejn ma ktibt xejn), b’biżżejjed flus sal-età ta’ {p}","With today’s spending":"Bl-infiq tal-lum","earliest stop age without your simulated changes":"l-iktar età bikrija biex tieqaf mingħajr il-bidliet simulati tiegħek","Earliest stop, simulated spending":"L-iktar waqfien bikri, infiq simulat","Earliest stop, today’s spending":"L-iktar waqfien bikri, infiq tal-lum","Simulated spending (stop at {a})":"Infiq simulat (tieqaf fl-età ta’ {a})","Today’s spending (stop at {a})":"Infiq tal-lum (tieqaf fl-età ta’ {a})","Investment account (optional)":"Kont ta’ investiment (mhux obbligatorju)","What if part of what you save each year goes into an investment account? The rest stays in savings at the savings return above. You choose the return: it is an assumption, not a forecast. Investments can lose value, returns are not guaranteed and past performance does not predict future results. Tax on investment gains is not included. When money is needed, savings are used first, then the investment account.":"X’jiġri jekk parti minn dak li tfaddal kull sena tmur f’kont ta’ investiment? Il-bqija jibqa’ fit-tfaddil bir-redditu tat-tfaddil ta’ hawn fuq. Ir-redditu tagħżlu int: hija suppożizzjoni, mhux tbassir. L-investimenti jistgħu jitilfu l-valur, ir-redditi mhumiex garantiti u r-riżultati tal-passat ma jbassrux dawk futuri. It-taxxa fuq il-qligħ mhijiex inkluża. Meta jkun hemm bżonn il-flus, jintuża l-ewwel it-tfaddil u mbagħad il-kont ta’ investiment.","Investment account now":"Kont ta’ investiment issa","Share of savings invested (%)":"Sehem mit-tfaddil investit (%)","Expected investment return (% / year)":"Redditu mistenni tal-investiment (% / sena)","Yearly fees (% of the account)":"Tariffi annwali (% tal-kont)","Enter the expected investment return to see the effect; until then it counts as 0%.":"Daħħal ir-redditu mistenni biex tara l-effett; sa dakinhar jgħodd bħala 0%.","Investment account at {a}":"Kont ta’ investiment fl-età ta’ {a}","{r} in today’s money":"{r} fi flus tal-lum","paid in {p} · growth {g}":"imħallas {p} · tkabbir {g}","Without investing (all kept in savings): {s}":"Mingħajr investiment (kollox fit-tfaddil): {s}","of which investment account":"li minnhom kont ta’ investiment","“Money left at {p}” is in future money, which includes inflation; the amount in brackets is the same money in today’s prices. “If you stop working today” counts all your money: savings and, if you have one, the investment account.":"“Flus li jibqa’ fl-età ta’ {p}” huma fi flus futuri, bl-inflazzjoni; l-ammont fil-parentesi huwa l-istess flus bil-prezzijiet tal-lum. “Jekk tieqaf taħdem illum” jgħodd il-flus kollha tiegħek: it-tfaddil u, jekk għandek, il-kont ta’ investiment.","How the investment account is calculated: each year {s} of what you save goes into it and it earns {r} a year minus fees; the rest stays in savings. When you need money, savings are used first and the investment account after. Once the account earns more each year than you spend, it keeps growing on its own: from then on a small change, such as working one more year, can move the stop age a lot, and the money left at the end can become very large.":"Kif jinħadem il-kont ta’ investiment: kull sena {s} minn dak li tfaddal imur fih u jaqla’ {r} fis-sena bla t-tariffi; il-bqija jibqa’ fit-tfaddil. Meta jkollok bżonn il-flus, jintuża l-ewwel it-tfaddil u mbagħad il-kont ta’ investiment. Ladarba l-kont jaqla’ kull sena aktar milli tonfoq, jibqa’ jikber waħdu: minn hemm ’il quddiem bidla żgħira, bħal sena oħra xogħol, tista’ tbiddel ħafna l-età tal-waqfien, u l-flus li jibqgħu fl-aħħar jistgħu jsiru ħafna.","You entered a return of {r} a year. A return this high, year after year for decades, is rare and never guaranteed, and it makes the results look much better. Try a few lower values to see how much the stop age depends on it.":"Daħħalt redditu ta’ {r} fis-sena. Redditu daqshekk għoli, sena wara sena għal għexieren ta’ snin, huwa rari u qatt mhu garantit, u jagħmel ir-riżultati jidhru ħafna aħjar. Ipprova xi valuri aktar baxxi biex tara kemm tiddependi minnu l-età tal-waqfien.","How to read this chart: each line is your total money (savings plus the investment account, if any) at the end of each year, for a different stop age. It rises while you work and save, falls after you stop because your spending is paid from savings, and falls more slowly or rises again once the state pension starts. A line that drops below zero means the money runs out at that age. Amounts are in future money; choose “Today’s money” under “Show amounts in” to remove inflation.":"Kif jinqara din il-grafika: kull linja hija l-flus kollha tiegħek (tfaddil u l-kont ta’ investiment, jekk hemm) fi tmiem kull sena, għal età differenti ta’ waqfien. Titla’ sakemm taħdem u tfaddal, tinżel wara li tieqaf għax l-infiq jitħallas mit-tfaddil, u tinżel aktar bil-mod jew terġa’ titla’ meta tibda l-pensjoni tal-istat. Linja li tinżel taħt iż-żero tfisser li l-flus jispiċċaw f’dik l-età. L-ammonti huma fi flus futuri; agħżel “Flus tal-lum” f’“Uri l-ammonti f’” biex tneħħi l-inflazzjoni.","The dotted line is the part held in the investment account.":"Il-linja bit-tikek hija l-parti li tinsab fil-kont ta’ investiment.","Watch the video guide":"Ara l-gwida bil-vidjo","about 2 minutes, in English, with voice and captions":"madwar 2 minuti, bl-Ingliż, b’leħen u sottotitoli","≈ {m} a month ({y} a year) of what you save now":"≈ {m} fix-xahar ({y} fis-sena) minn dak li tfaddal issa","You are not saving anything now, so nothing goes in yet.":"Bħalissa m’intix tfaddal xejn, għalhekk għadu ma jidħol xejn.","Your savings and investment account cover {m} months of spending (aim for 3–6).":"It-tfaddil u l-kont ta’ investiment tiegħek ikopru {m} xhur ta’ nfiq (mira 3–6).","Video guide:":"Gwida bil-vidjo:","short, in English, with voice and captions":"qasira, bl-Ingliż, b’leħen u sottotitoli","How it works":"Kif taħdem","Guides":"Gwidi","New here? This tab has a {m}-minute video guide.":"Ġdid hawn? Din it-tab għandha gwida bil-vidjo ta’ madwar {m} min.","Watch the guide":"Ara l-gwida","More":"Aktar","Save or share":"Issejvja jew aqsam","Save or share this scenario":"Issejvja jew aqsam dan ix-xenarju","To keep this scenario for later, bookmark the link or save the code: it works on any device and browser.":"Biex iżżomm dan ix-xenarju għal aktar tard, żid il-link mal-bookmarks jew żomm il-kodiċi: jaħdem fuq kull apparat u browser.","Less":"Inqas","Checked against official sources · {n} checks":"Iċċekkjat ma’ sorsi uffiċjali · {n} kontrolli","Free calculators for pay, pensions and financial planning, checked against official sources.":"Kalkulaturi b’xejn għall-paga, il-pensjonijiet u l-ippjanar finanzjarju, iċċekkjati ma’ sorsi uffiċjali.","Calculators":"Kalkulaturi","About":"Dwarna","How we calculate":"Kif nikkalkulaw","Accuracy checks":"Kontrolli tal-preċiżjoni","Legal":"Legali","Privacy":"Privatezza","Legal notice":"Avviż legali","Contact":"Kuntatt","Every calculator applies the tax, social-security, pension and labour rules in force in each country, taken from official sources: tax authorities, social-security institutions, statistics offices and the law. Each country’s rules and sources are listed at the bottom of its tabs.||Results are checked against official calculators and worked examples; see Accuracy checks. Amounts are estimates for typical cases, and special situations may differ.":"Kull kalkulatur japplika r-regoli tat-taxxa, tas-sigurtà soċjali, tal-pensjonijiet u tax-xogħol fis-seħħ f’kull pajjiż, meħuda minn sorsi uffiċjali: l-awtoritajiet tat-taxxa, l-istituzzjonijiet tas-sigurtà soċjali, l-uffiċċji tal-istatistika u l-liġi. Ir-regoli u s-sorsi ta’ kull pajjiż jidhru fil-qiegħ tat-tabs tiegħu.||Ir-riżultati jiġu ċċekkjati ma’ kalkulaturi uffiċjali u eżempji maħduma; ara l-Kontrolli tal-preċiżjoni. L-ammonti huma stimi għal każijiet tipiċi u sitwazzjonijiet speċjali jistgħu jvarjaw.","PayAbacus has no accounts and does not send what you type anywhere: all calculations run in your browser.||Your last inputs, language and theme are remembered only in this browser, so you find them next time; clearing your browser data removes them. A shared link or code contains the scenario itself and is seen only by the people you send it to.||Fonts and the chart library load from public content networks, which see your IP address like any website.":"PayAbacus m’għandux kontijiet u ma jibgħat imkien dak li tikteb: il-kalkoli kollha jsiru fil-browser tiegħek.||L-aħħar dettalji, il-lingwa u t-tema jinżammu biss f’dan il-browser, biex issibhom id-darba li jmiss; jekk tħassar id-dejta tal-browser, jitħassru. Link jew kodiċi maqsum fih ix-xenarju nnifsu u jarah biss min tibagħtulu.||Il-fonts u l-librerija tal-graffs jitniżżlu minn netwerks pubbliċi tal-kontenut, li jaraw l-indirizz IP tiegħek bħal kull sit.","The legal notice with the site owner’s details will be published here before the public launch.":"L-avviż legali bid-dettalji tas-sid tas-sit se jiġi ppubblikat hawn qabel it-tnedija pubblika.","Contact details will be published here before the public launch.":"Id-dettalji ta’ kuntatt se jiġu ppubblikati hawn qabel it-tnedija pubblika.","Showing {c}, based on your browser settings. You can change the country and language at the top.":"Qed nuru {c}, skont is-settings tal-browser tiegħek. Tista’ tibdel il-pajjiż u l-lingwa fuq nett.","Average salary in {y}, in purchasing power ({c} = 100)":"Salarju medju fl-{y}, f’poter tal-akkwist ({c} = 100)","Index, {c} = 100":"Indiċi, {c} = 100","Home price":"Prezz tad-dar","Down payment":"Depożitu","Down payment (% of price)":"Depożitu (% tal-prezz)","Interest rate (% / year)":"Rata tal-imgħax (% / sena)","Term (years)":"Terminu (snin)","Repayment":"Ħlas lura","Equal monthly payments (annuity)":"Pagamenti ugwali kull xahar","Equal capital each month (linear)":"Kapital ugwali kull xahar","Extra repayment / month":"Ħlas lura żejjed / xahar","Other housing costs / month":"Spejjeż oħra tad-dar / xahar","Net household income / month":"Dħul nett tal-familja / xahar","See the monthly payment and the total cost of a home loan, and whether it fits your income. Amounts in the currency of the selected country.":"Ara l-pagament ta’ kull xahar u l-ispiża totali ta’ self għad-dar, u jekk jidħolx fid-dħul tiegħek. Ammonti fil-munita tal-pajjiż magħżul.","{y} years":"{y} snin","{y} years 1 month":"{y} snin u xahar","{y} years {m} months":"{y} snin u {m} xhur","Monthly payment":"Pagament ta’ kull xahar","first month; it falls every month as the balance shrinks · loan {l}":"l-ewwel xahar; jonqos kull xahar hekk kif jonqos il-bilanċ · self {l}","over {y} years at {r} · loan {l}":"fuq {y} snin b’{r} · self {l}","Loan amount":"Ammont tas-self","{p} of the price (loan-to-value)":"{p} tal-prezz (self meta mqabbel mal-valur)","Total interest":"Imgħax totali","total paid {t}":"total imħallas {t}","Share of net income":"Sehem mid-dħul nett","payment + other costs + extra":"pagament + spejjeż oħra + żejjed","Paid off in":"Imħallas fi","{t} sooner, {i} less interest":"{t} qabel, {i} inqas imgħax","add an extra repayment to see the saving":"żid ħlas lura żejjed biex tara l-iffrankar","Enter your net income to check affordability.":"Daħħal id-dħul nett tiegħek biex tiċċekkja jekk hux affordabbli.","Housing costs take {p} of your net income: comfortable. A common rule of thumb is to keep them below about a third.":"L-ispejjeż tad-dar jieħdu {p} mid-dħul nett tiegħek: komdu. Regola komuni hi li jibqgħu taħt madwar terz.","Housing costs take {p} of your net income: manageable but tight. Leave room for savings and unexpected costs.":"L-ispejjeż tad-dar jieħdu {p} mid-dħul nett tiegħek: jista’ jsir iżda ssikkat. Ħalli spazju għat-tfaddil u għal spejjeż mhux mistennija.","Housing costs take {p} of your net income: high. Lenders may lend less, and a rate rise would hurt. A bigger down payment, a longer term or a cheaper home would lower it.":"L-ispejjeż tad-dar jieħdu {p} mid-dħul nett tiegħek: għoli. Il-banek jistgħu jislfu inqas u żieda fir-rata tweġġa’. Depożitu akbar, terminu itwal jew dar orħos ibaxxuh.","Stress test: if the rate rose by 2 points (to {r}), the payment would be {v}, {d} more a month.":"Test tal-istress: kieku r-rata togħla b’2 punti (għal {r}), il-pagament ikun {v}, {d} aktar fix-xahar.","Capital":"Kapital","Extra repayment":"Ħlas lura żejjed","Year {y}":"Sena {y}","Without the extra repayment":"Mingħajr il-ħlas lura żejjed","How it works: interest is charged every month on the remaining balance at the rate you enter. With equal monthly payments the payment stays the same and the capital part grows; with equal capital the payment starts higher and falls. Extra repayments go straight to the capital. The rate is your assumption, not an offer: compare real offers. Not yet included for {c}: tax relief on mortgage interest, purchase costs such as transfer tax and notary fees, and official lending limits.":"Kif jaħdem: kull xahar jitħallas imgħax fuq il-bilanċ li jifdal bir-rata li ddaħħal. B’pagamenti ugwali l-pagament jibqa’ l-istess u l-parti tal-kapital tikber; b’kapital ugwali l-pagament jibda ogħla u jonqos. Il-ħlasijiet lura żejda jnaqqsu direttament il-kapital. Ir-rata hi suppożizzjoni tiegħek, mhux offerta: qabbel offerti reali. Għadhom mhux inklużi għal {c}: ħelsien mit-taxxa fuq l-imgħax, spejjeż tax-xiri bħat-taxxa fuq it-trasferiment u n-nutar, u limiti uffiċjali tas-self.","Mortgage":"Self għad-dar","Your home and loan":"Id-dar u s-self tiegħek","Can you afford it?":"Tista’ taffordjah?","What you pay each year":"X’tħallas kull sena","Balance over the years":"Il-bilanċ matul is-snin","Use this cost in the Financial planner":"Uża din l-ispiża fl-ippjanar finanzjarju","{v} a month is now your housing cost in the Financial planner.":"{v} fix-xahar issa huma l-ispiża tad-dar fl-ippjanar finanzjarju.","You and your pension history":"Int u l-istorja tal-pensjoni tiegħek","Savings and bank account":"Tfaddil u kont bankarju","Assumptions":"Suppożizzjonijiet","Display and tests":"Wiri u testijiet","Mortgage (optional)":"Self għad-dar (mhux obbligatorju)","Enter what you still owe on your home loan. Its monthly payment counts in your spending and financial health until it is paid off; the payment stays fixed and is not raised with inflation. If you enter it here, keep only other housing costs (building fees, insurance) under Housing in the expenses.":"Daħħal kemm għadek tirrisposta fuq is-self tad-dar. Il-pagament ta’ kull xahar jgħodd fl-infiq u fis-saħħa finanzjarja sakemm jitħallas; jibqa’ fiss u ma jiżdiedx mal-inflazzjoni. Jekk iddaħħlu hawn, żomm taħt Dar biss l-ispejjeż l-oħra (spejjeż komuni, assigurazzjoni).","Mortgage still owed":"Self li għad irid jitħallas","Mortgage rate (% / year)":"Rata tas-self (% / sena)","Years left":"Snin li fadal","Copy from the Mortgage tab":"Ikkopja mit-tab Self għad-dar","incl. mortgage {v} a month until age {a}":"inkl. self għad-dar {v} fix-xahar sal-età ta’ {a}","Your mortgage ({v} a month) is now in the Financial planner.":"Is-self għad-dar tiegħek ({v} fix-xahar) issa jinsab fl-ippjanar finanzjarju.","Housing: other costs only (mortgage entered above)":"Dar: spejjeż oħra biss (is-self imdaħħal hawn fuq)","This looks like your mortgage payment ({v} a month). The mortgage is already counted from the section above, so enter only other housing costs here (building fees, insurance, property tax), or it is counted twice.":"Dan jidher il-pagament tas-self ({v} fix-xahar). Is-self diġà jgħodd mit-taqsima ta’ hawn fuq, għalhekk daħħal hawn biss spejjeż oħra tad-dar (spejjeż komuni, assigurazzjoni, taxxa fuq il-proprjetà), inkella jgħodd darbtejn.","As in the Salary tab ({n})":"Bħal fit-tab Salarju ({n})","Mortgage payment (from the Mortgage section)":"Pagament tas-self (mit-taqsima Self għad-dar)","{v} a month, fixed, until age {a}":"{v} fix-xahar, fiss, sal-età ta’ {a}","Change it in the Mortgage section":"Biddlu fit-taqsima Self għad-dar","Mortgage payment":"Pagament tas-self","Fixed until age {a}":"Fiss sal-età ta’ {a}","{n} checks for this tab against official sources":"{n} verifiki għal din it-tab ma’ sorsi uffiċjali","1 check for this tab against official sources":"1 verifika għal din it-tab ma’ sorsi uffiċjali","{n} of the {t} checks for {c} cover this tab ({a} checks across all countries). Click to see them.":"{n} mill-{t} verifiki għal {c} huma dwar din it-tab ({a} verifiki fil-pajjiżi kollha). Ikklikkja biex tarahom.","Housing (other costs)":"Dar (spejjeż oħra)","Quick start":"Bidu malajr","These three are enough for a first result. Open the sections below to fine-tune it.":"Dawn it-tlieta huma biżżejjed għal riżultat inizjali. Iftaħ it-taqsimiet t’hawn taħt biex tirfinah.","Spending / month (all expenses)":"Infiq / xahar (kollu)","A new total is spread over the expense categories below in the same proportions.":"Total ġdid jinqasam bejn il-kategoriji tal-infiq t’hawn taħt bl-istess proporzjonijiet.","Income details":"Dettalji tad-dħul","Plus the mortgage payment of {v} from the Mortgage section: {t} a month in total.":"Flimkien mal-pagament tas-self ta’ {v} mit-taqsima Self għad-dar: {t} fix-xahar b’kollox.","{g} gross · {n} salaries a year":"{g} gross · {n} salarji fis-sena","bonus {b}":"bonus {b}","meal card {m}":"meal card {m}","Age {a} · {y} years insured · plan to age {p}":"Età {a} · {y} snin ta’ kontribuzzjonijiet · pjan sal-età ta’ {p}","{v} invested · {p} of savings · {r} a year":"{v} investiti · {p} tat-tfaddil · {r} fis-sena","Not used":"Mhux użat","Savings return {r} · inflation {i} · pay rise {g}":"Qligħ fuq it-tfaddil {r} · inflazzjoni {i} · żieda fil-paga {g}","{s} · comparison over {n} years":"{s} · paragun fuq {n} snin","Total {v} a month":"Total {v} fix-xahar","simulated {v}":"simulat {v}","Video guide for this tab · {m} min":"Gwida bil-vidjo għal din it-tab · {m} min","See the result below":"Ara r-riżultat hawn taħt","Back to the result":"Lura għar-riżultat","Skip to the calculator":"Mur għall-kalkulatur","Show":"Uri","Hide":"Aħbi","Including the bonus: {g} gross / month · {n} net / month (year ÷ 12)":"Inkluż il-bonus: {g} gross / xahar · {n} nett / xahar (sena ÷ 12)","A new total is split for you: essentials follow the official typical costs for your country and household, children get 6% each, and the rest goes to leisure, holidays and other. Loans and a rent you typed stay as entered; adjust any category below.":"Total ġdid jinqasam għalik: l-essenzjali jsegwu l-ispejjeż tipiċi uffiċjali għall-pajjiż u d-dar tiegħek, kull tifel jieħu 6%, u l-bqija jmur għad-divertiment, il-vaganzi u oħrajn. Is-self u kera li daħħalt jibqgħu kif inhuma; aġġusta kwalunkwe kategorija hawn taħt.","Past years’ rules":"Regoli tas-snin li għaddew","2008 rules: income tax + employee contributions at the average wage (€41,000)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€41,000)","2015 rules: income tax + employee contributions at the average wage (€47,100)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€47,100)","2021 rules: income tax + employee contributions at the average wage (€52,800)":"Regoli tal-2021: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€52,800)","2012 rules: income tax + employee contributions at the average wage (€29,440)":"Regoli tal-2012: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€29,440)","2016 rules: income tax + employee contributions at the average wage (€30,619)":"Regoli tal-2016: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€30,619)","2021 rules: income tax + employee contributions at the average wage (€33,111)":"Regoli tal-2021: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€33,111)","2008 rules: income tax + employee contributions at the average wage (€23,252)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€23,252)","2016 rules: income tax + employee contributions at the average wage (€26,449)":"Regoli tal-2016: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€26,449)","2022 rules: income tax + employee contributions at the average wage (€28,780)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€28,780)","2008 rules: income tax + employee contributions at the average wage (£33,382)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (£33,382)","2015 rules: income tax + employee contributions at the average wage (£35,978)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (£35,978)","2022 rules: income tax + employee contributions at the average wage (£45,077)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (£45,077)","2008 rules: income tax + employee contributions at the average wage (€33,580)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€33,580)","2015 rules: income tax + employee contributions at the average wage (€37,975)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€37,975)","2022 rules: income tax + employee contributions at the average wage (€41,867)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€41,867)","Your salary across 20 years of {c} tax rules":"Is-salarju tiegħek fuq 20 sena ta’ regoli tat-taxxa ({c})","Your {y} salary run through the income tax and social security rules of every year since 2006, for a single person without children and with standard deductions.":"Is-salarju tiegħek tal-{y} ikkalkulat bir-regoli tat-taxxa u tal-kontribuzzjonijiet ta’ kull sena mill-2006, għal persuna waħedha mingħajr tfal bit-tnaqqis standard.","Same amount":"L-istess ammont","{y} money (inflation-adjusted)":"Flus tal-{y} (aġġustati għall-inflazzjoni)","Each year’s money":"Flus ta’ kull sena","per month, in {y} money":"fix-xahar, fi flus tal-{y}","{a} in 2006 buys what {v} buys in {y}":"{a} fl-2006 jixtru dak li jixtru {v} fl-{y}","Employee contributions":"Kontribuzzjonijiet tal-impjegat","Taxes":"Taxxi","Yearly pay split, in {y} money":"Qsim annwali tal-paga, fi flus tal-{y}","Yearly pay split, in each year’s money":"Qsim annwali tal-paga, fi flus ta’ kull sena","Net / mo (÷ 12)":"Nett / xahar (÷ 12)","Net / mo in {y} money":"Nett / xahar fi flus tal-{y}","Each year uses that year’s published income tax and social security schedules; the results are cross-checked against OECD Taxing Wages for the average worker. Prices: national consumer price index.":"Kull sena tuża l-iskedi tat-taxxa u tal-kontribuzzjonijiet ippubblikati għal dik is-sena; ir-riżultati huma ċċekkjati mal-OECD Taxing Wages għall-ħaddiem medju. Prezzijiet: indiċi nazzjonali tal-prezzijiet tal-konsumatur.","Church tax is not included; contributions use the Western Germany ceilings.":"It-taxxa tal-knisja mhix inkluża; il-kontribuzzjonijiet bil-limiti tal-Ġermanja tal-Punent.","Regional and municipal surcharges use the rates set in the form above for every year.":"Is-sovrataxxi reġjonali u muniċipali jużaw għal kull sena r-rati tal-formola ta’ hawn fuq.","CSG and CRDS are counted as taxes, as in the OECD figures; contributions are for a non-executive employee, without the company health plan (mutuelle).":"Is-CSG u s-CRDS jingħaddu bħala taxxi, bħal fiċ-ċifri tal-OECD; kontribuzzjonijiet ta’ impjegat mhux eżekuttiv, mingħajr il-pjan tas-saħħa tal-kumpanija (mutuelle).","UK tax years start in April (2006/07 to 2026/27). Rates for England, Wales and Northern Ireland.":"Is-snin tat-taxxa tar-Renju Unit jibdew f’April (2006/07 sa 2026/27). Rati għall-Ingilterra, Wales u l-Irlanda ta’ Fuq.","2008 rules: income tax + employee contributions at the average wage (€43,146)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€43,146)","2015 rules: income tax + employee contributions at the average wage (€49,540)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€49,540)","2022 rules: income tax + employee contributions at the average wage (€58,890)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€58,890)","2008 rules: income tax + employee contributions at the average wage (€40,698)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€40,698)","2015 rules: income tax + employee contributions at the average wage (€46,479)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€46,479)","2022 rules: income tax + employee contributions at the average wage (€55,038)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€55,038)","2008 rules: income tax + employee contributions at the average wage (€47,043)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€47,043)","2015 rules: income tax + employee contributions at the average wage (€55,858)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€55,858)","2022 rules: income tax + employee contributions at the average wage (€68,578)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€68,578)","2008 rules: income tax + employee contributions at the average wage (€37,258)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€37,258)","2015 rules: income tax + employee contributions at the average wage (€43,911)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€43,911)","2022 rules: income tax + employee contributions at the average wage (€53,126)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€53,126)","2008 rules: income tax + employee contributions at the average wage (€14,905)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€14,905)","2015 rules: income tax + employee contributions at the average wage (€15,781)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€15,781)","2022 rules: income tax + employee contributions at the average wage (€19,739)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€19,739)","2008 rules: income tax + employee contributions at the average wage (€42,783)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€42,783)","2015 rules: income tax + employee contributions at the average wage (€43,733)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€43,733)","2022 rules: income tax + employee contributions at the average wage (€52,014)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€52,014)","2008 rules: income tax + employee contributions at the average wage (DKK 359,300)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (359,300 DKK)","2015 rules: income tax + employee contributions at the average wage (DKK 403,600)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (403,600 DKK)","2022 rules: income tax + employee contributions at the average wage (DKK 469,400)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (469,400 DKK)","2008 rules: income tax + employee contributions at the average wage (SEK 352,470)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (352,470 SEK)","2015 rules: income tax + employee contributions at the average wage (SEK 414,105)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (414,105 SEK)","2022 rules: income tax + employee contributions at the average wage (SEK 493,770)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (493,770 SEK)","2008 rules: income tax + employee contributions at the average wage (NOK 443,613)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (443,613 NOK)","2015 rules: income tax + employee contributions at the average wage (NOK 556,670)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (556,670 NOK)","2022 rules: income tax + employee contributions at the average wage (NOK 689,301)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (689,301 NOK)","2008 rules: income tax + employee contributions at the average wage (€37,372)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€37,372)","2015 rules: income tax + employee contributions at the average wage (€43,268)":"Regoli tal-2015: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€43,268)","2022 rules: income tax + employee contributions at the average wage (€50,830)":"Regoli tal-2022: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€50,830)","2010 rules: income tax + employee contributions at the average wage (€17,947)":"Regoli tal-2010: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€17,947)","2016 rules: income tax + employee contributions at the average wage (€21,848)":"Regoli tal-2016: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€21,848)","2023 rules: income tax + employee contributions at the average wage (€27,351)":"Regoli tal-2023: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€27,351)","2014 rules: income tax + employee contributions at the average wage (€20,712)":"Regoli tal-2014: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€20,712)","2018 rules: income tax + employee contributions at the average wage (€21,864)":"Regoli tal-2018: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€21,864)","2023 rules: income tax + employee contributions at the average wage (€27,480)":"Regoli tal-2023: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€27,480)","Each year uses that year’s published income tax and social security schedules; the results are cross-checked against OECD Taxing Wages (Eurostat for Malta and Cyprus) for the average worker. Prices: national consumer price index.":"Kull sena tuża l-iskedi tat-taxxa u tal-kontribuzzjonijiet ippubblikati għal dik is-sena; ir-riżultati huma ċċekkjati mal-OECD Taxing Wages (Eurostat għal Malta u Ċipru) għall-ħaddiem medju. Prezzijiet: indiċi nazzjonali tal-prezzijiet tal-konsumatur.","Pension-fund contributions use your setting above for every year; the 2026 row comes from the current calculator.":"Il-kontribuzzjonijiet tal-fond tal-pensjoni jużaw l-għażla tiegħek hawn fuq għal kull sena; ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","Municipal and regional surcharges at the average rates; the 2026 row comes from the current calculator.":"Sovrataxxi muniċipali u reġjonali bir-rati medji; ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","Tax class 1; the 2026 row comes from the current calculator.":"Klassi tat-taxxa 1; ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","14 salaries a year, the 13th and 14th taxed at 6%; the 2026 row comes from the current calculator.":"14-il salarju fis-sena, it-13 u l-14 intaxxati b’6%; ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","Mainland Portugal, individual taxation; the 2026 row comes from the current calculator.":"Il-Portugall kontinentali, tassazzjoni individwali; ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","PRSI class A; the 2026 row comes from the current calculator.":"PRSI klassi A; ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","Single rates; Class 1 social security for people born from 1962; 2006–2007 bands converted from Maltese lira. The 2026 row comes from the current calculator.":"Rati għal persuna waħedha; sigurtà soċjali Class 1 għal min twieled mill-1962; il-faxex tal-2006–2007 konvertiti mil-lira Maltija. Ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","Social insurance and, from 2019, the GESY health contribution; 2006–2007 bands converted from Cyprus pounds; the social insurance ceiling before 2014 is approximate. The 2026 row comes from the current calculator.":"Assigurazzjoni soċjali u, mill-2019, il-kontribuzzjoni tas-saħħa GESY; il-faxex tal-2006–2007 konvertiti mil-lira Ċiprijotta; il-limitu qabel l-2014 huwa approssimattiv. Ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","Average municipal tax, no church tax; ATP is counted as a contribution. The 2026 row comes from the current calculator.":"Taxxa muniċipali medja, mingħajr taxxa tal-knisja; l-ATP jgħodd bħala kontribuzzjoni. Ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","Average municipal tax; burial and church fees and the public-service fee are not included. The 2026 row comes from the current calculator.":"Taxxa muniċipali medja; il-ħlasijiet tad-dfin u tal-knisja u l-ħlas tas-servizz pubbliku mhumiex inklużi. Ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","The 2026 row comes from the current calculator.":"Ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","Average municipal tax, no church tax; for pay below about half the average wage past years are less precise. The 2026 row comes from the current calculator.":"Taxxa muniċipali medja, mingħajr taxxa tal-knisja; taħt madwar nofs il-paga medja s-snin li għaddew huma inqas preċiżi. Ir-ringiela tal-2026 ġejja mill-kalkulatur attwali.","Home buying":"Xiri ta’ dar","Stamp Duty Land Tax on £300,000 (not a first-time buyer)":"Stamp Duty Land Tax fuq £300,000 (mhux l-ewwel xerrej)","Stamp Duty Land Tax on £450,000 (first-time buyer)":"Stamp Duty Land Tax fuq £450,000 (l-ewwel xerrej)","Stamp duty on €1,200,000":"Taxxa tal-boll fuq €1,200,000","Transfer duties on €300,000 (first home)":"Drittijiet ta’ trasferiment fuq €300,000 (l-ewwel dar)","IMT on a €200,000 own permanent home (mainland)":"IMT fuq residenza permanenti proprja ta’ €200,000 (kontinent)","Deed registration fee on DKK 3,000,000":"Miżata tar-reġistrazzjoni tal-kuntratt fuq DKK 3,000,000","Mortgage registration fee on a DKK 2,000,000 loan":"Miżata tar-reġistrazzjoni tal-ipoteka fuq self ta’ DKK 2,000,000","Duties on a €700,000 main home after the Bëllegen Akt credit":"Taxxi fuq residenza ewlenija ta’ €700,000 wara l-kreditu Bëllegen Akt","Transfer tax on €500,000, starter aged 30":"Taxxa fuq it-trasferiment fuq €500,000, l-ewwel xerrej ta’ 30 sena","Registration duty on €300,000 sole home in Brussels":"Dritt ta’ reġistrazzjoni fuq €300,000, l-unika dar fi Brussell","Stamp duty on €280,000, first-time buyer":"Taxxa tal-boll fuq €280,000, l-ewwel xerrej","Land transfer tax on €300,000 in Bavaria":"Taxxa fuq it-trasferiment ta’ art fuq €300,000 fil-Bavarja","Interest tax reduction on SEK 120,000 of interest":"Tnaqqis tat-taxxa fuq SEK 120,000 imgħax","Interest credit on €5,000 of interest (main home)":"Kreditu fuq €5,000 imgħax (residenza ewlenija)","tax, contributions, net pay, state and private pensions, termination, benefits, home buying":"taxxa, kontribuzzjonijiet, paga netta, pensjonijiet tal-istat u privati, tmiem tal-impjieg, benefiċċji, xiri ta’ dar","First home you buy (main home)":"L-ewwel dar li tixtri (residenza ewlenija)","Region":"Reġjun","Home type":"Tip ta’ dar","Apartment":"Appartament","House":"Dar","Cadastral value (valore catastale, optional)":"Valur katastali (valore catastale, mhux obbligatorju)","Rent or buy?":"Kera jew xiri?","Rent for a similar home / month":"Kera għal dar simili / xahar","Rent rise (% / year)":"Żieda fil-kera (% / sena)","Home price rise (% / year)":"Żieda fil-prezz tad-dar (% / sena)","Return on invested savings (% / year)":"Redditu fuq it-tfaddil investit (% / sena)","Upkeep and owner costs (% of value / year)":"Manutenzjoni u spejjeż tas-sid (% tal-valur / sena)","Selling costs at the end (% of value)":"Spejjeż tal-bejgħ fl-aħħar (% tal-valur)","Compare over (years)":"Qabbel fuq (snin)","Madrid (6%)":"Madrid (6%)","Catalonia (10%)":"Katalunja (10%)","Andalusia (7%)":"Andalusija (7%)","Other regions (about 8–10%; 9% used)":"Reġjuni oħra (madwar 8–10%; jintuża 9%)","Flanders":"Flanders","Wallonia":"Wallonja","Brussels":"Brussell","Transfer tax":"Taxxa fuq it-trasferiment","Notary and land registry (estimate)":"Nutar u reġistru tal-art (stima)","Transfer tax 3% + 3% municipal surcharge (3.09%)":"Taxxa fuq it-trasferiment 3% + 3% soprataxxa muniċipali (3.09%)","Notary fee incl. VAT (estimate, about 1%)":"Miżata tan-nutar inkluża l-VAT (stima, madwar 1%)","Land registry / cadastre (estimate, about 0.5%)":"Reġistru tal-art / katasti (stima, madwar 0.5%)","Lawyer incl. VAT (estimate, about 1%)":"Avukat inkluża l-VAT (stima, madwar 1%)","Notary and land registry (estimate, about 2%)":"Nutar u reġistru tal-art (stima, madwar 2%)","Registration tax 2% of the cadastral value (first home, min €1,000) + €100 mortgage and cadastral tax":"Taxxa tar-reġistru 2% tal-valur katastali (l-ewwel dar, min. €1,000) + €100 taxxa ipotekarja u katastali","Registration tax 9% of the cadastral value (min €1,000) + €100 mortgage and cadastral tax":"Taxxa tar-reġistru 9% tal-valur katastali (min. €1,000) + €100 taxxa ipotekarja u katastali","Notary (estimate)":"Nutar (stima)","Property transfer tax (ITP, resale)":"Taxxa fuq it-trasferimenti (ITP, bejgħ mill-ġdid)","Notary, land registry and agency (estimate, about 1.2%)":"Nutar, reġistru u aġenzija (stima, madwar 1.2%)","Stamp Duty Land Tax, first-time buyer relief (England & NI)":"Stamp Duty Land Tax, eżenzjoni għall-ewwel xerrej (l-Ingilterra u l-Irlanda ta’ Fuq)","Stamp Duty Land Tax (England & NI)":"Stamp Duty Land Tax (l-Ingilterra u l-Irlanda ta’ Fuq)","Conveyancing and searches (estimate)":"Trasferiment legali u riċerki (stima)","Transfer duties 5.81% (first home: exempt from the 2025–2028 increase)":"Drittijiet ta’ trasferiment 5.81% (l-ewwel dar: eżentata miż-żieda 2025–2028)","Transfer duties 6.32% (most departments, 2025–2028)":"Drittijiet ta’ trasferiment 6.32% (il-biċċa l-kbira tad-dipartimenti, 2025–2028)","Notary fees and disbursements (estimate, about 1.2%)":"Miżati u spejjeż tan-nutar (stima, madwar 1.2%)","Transfer tax 0% (starter under 35, price up to €555,000)":"Taxxa fuq it-trasferiment 0% (l-ewwel xerrej taħt il-35 sena, prezz sa €555,000)","Transfer tax 2% (own home)":"Taxxa fuq it-trasferiment 2% (dar proprja)","Notary, land registry and valuation (estimate)":"Nutar, reġistru u valutazzjoni (stima)","Registration duty 2% (Flanders, sole own home)":"Dritt ta’ reġistrazzjoni 2% (Flanders, l-unika dar proprja)","Registration duty 12% (Flanders)":"Dritt ta’ reġistrazzjoni 12% (Flanders)","Registration duty 3% (Wallonia, sole own home)":"Dritt ta’ reġistrazzjoni 3% (Wallonja, l-unika dar proprja)","Registration duty 12.5% (Wallonia)":"Dritt ta’ reġistrazzjoni 12.5% (Wallonja)","Registration duty 12.5% after the €200,000 allowance (Brussels)":"Dritt ta’ reġistrazzjoni 12.5% wara l-eżenzjoni ta’ €200,000 (Brussell)","Registration duty 12.5% (Brussels)":"Dritt ta’ reġistrazzjoni 12.5% (Brussell)","Notary and deed costs incl. VAT (estimate, about 1.5%)":"Spejjeż tan-nutar u tal-att inkluża l-VAT (stima, madwar 1.5%)","Registration + transcription duties 7%":"Drittijiet ta’ reġistrazzjoni u traskrizzjoni 7%","Tax credit for a main home (Bëllegen Akt, up to €40,000 per buyer)":"Kreditu tat-taxxa għal residenza ewlenija (Bëllegen Akt, sa €40,000 għal kull xerrej)","Notary (estimate, about 1%)":"Nutar (stima, madwar 1%)","Real estate transfer tax 3.5%":"Taxxa fuq it-trasferiment ta’ proprjetà 3.5%","Land register entry 1.1%":"Reġistrazzjoni fir-reġistru tal-art 1.1%","Mortgage registration 1.2% of the loan":"Reġistrazzjoni tal-ipoteka 1.2% tas-self","Contract and trustee incl. VAT (estimate, about 1.8%)":"Kuntratt u fiduċjarju inkluża l-VAT (stima, madwar 1.8%)","IMT transfer tax (IMT Jovem, own permanent home, 35 or under)":"Taxxa IMT (IMT Jovem, residenza permanenti proprja, 35 sena jew inqas)","IMT transfer tax (own permanent home, mainland)":"Taxxa IMT (residenza permanenti proprja, kontinent)","Stamp duty 0.8%":"Taxxa tal-boll 0.8%","Deed and registration (estimate)":"Kuntratt u reġistrazzjoni (stima)","Stamp duty (1% to €1m, 2% to €1.5m, 6% above)":"Taxxa tal-boll (1% sa €1m, 2% sa €1.5m, 6% ’il fuq)","Solicitor and searches incl. VAT (estimate)":"Solicitor u riċerki inkluża l-VAT (stima)","Stamp duty 5% (first-time buyer: first €200,000 exempt)":"Taxxa tal-boll 5% (l-ewwel xerrej: l-ewwel €200,000 eżenti)","Stamp duty 5%":"Taxxa tal-boll 5%","Notary, searches and registration (estimate, about 1.5%)":"Nutar, riċerki u reġistrazzjoni (stima, madwar 1.5%)","Transfer fees 3% / 5% / 8%, halved (resale, no VAT)":"Miżati ta’ trasferiment 3% / 5% / 8%, imnaqqsa bin-nofs (bejgħ mill-ġdid, mingħajr VAT)","Stamp duty on the contract (0.15% / 0.2%, max €20,000)":"Taxxa tal-boll fuq il-kuntratt (0.15% / 0.2%, massimu €20,000)","Lawyer (estimate, about 1%)":"Avukat (stima, madwar 1%)","Deed registration DKK 1,850 + 0.6%":"Reġistrazzjoni tal-att DKK 1,850 + 0.6%","Mortgage registration DKK 1,825 + 1.25% of the loan":"Reġistrazzjoni tal-ipoteka DKK 1,825 + 1.25% tas-self","Buyer’s adviser (estimate)":"Konsulent tax-xerrej (stima)","Title registration 1.5% + SEK 825":"Reġistrazzjoni tat-titolu 1.5% + SEK 825","New mortgage deeds 2% of the loan + SEK 375":"Ċertifikati ġodda tal-ipoteka 2% tas-self + SEK 375","Tenant-owner flat: no title registration or mortgage-deed tax":"Appartament kooperattiv: l-ebda taxxa fuq ir-reġistrazzjoni tat-titolu jew tal-ipoteka","Pledge fee to the housing association (estimate)":"Miżata tar-rahan lill-kooperattiva (stima)","Document duty 2.5% (not for co-op flats or new builds)":"Taxxa fuq id-dokumenti 2.5% (mhux għal kooperattivi jew bini ġdid)","Registration fees, deed and mortgage":"Miżati ta’ reġistrazzjoni, att u ipoteka","Transfer tax 3% (real property)":"Taxxa fuq it-trasferiment 3% (proprjetà immobbli)","Transfer tax 1.5% (housing-company flat)":"Taxxa fuq it-trasferiment 1.5% (appartament ta’ kumpanija tad-djar)","19% of the interest, up to €4,000 of interest a year (main home)":"19% tal-imgħax, sa €4,000 imgħax fis-sena (residenza ewlenija)","Interest minus the notional rental value (0.35% of the home’s value), deducted at your rate, at most 37.56%":"Imgħax nieqes il-valur nozzjonali tal-kera (0.35% tal-valur tad-dar), imnaqqas bir-rata tiegħek, l-aktar 37.56%","Interest deductible up to €2,000 a year per household member in the first five years (€1,500 years 6–10, €1,000 after)":"Imgħax deduċibbli sa €2,000 fis-sena għal kull membru tal-familja fl-ewwel ħames snin (€1,500 fis-snin 6–10, imbagħad €1,000)","Negative capital income: worth about 33% of the interest up to DKK 50,000 and about 25% above":"Dħul kapitali negattiv: jiswa madwar 33% tal-imgħax sa DKK 50,000 u madwar 25% ’il fuq","Tax reduction of 30% of the interest up to SEK 100,000 and 21% above":"Tnaqqis tat-taxxa ta’ 30% tal-imgħax sa SEK 100,000 u 21% ’il fuq","Interest is deductible from ordinary income, worth 22%":"L-imgħax jitnaqqas mid-dħul ordinarju, jiswa 22%","No tax relief on mortgage interest for new loans.":"L-ebda ħelsien mit-taxxa fuq l-imgħax tas-self għal self ġdid.","No relief for new loans (the interest credit ended in 2013).":"L-ebda ħelsien għal self ġdid (il-kreditu tal-imgħax intemm fl-2013).","No relief for homes bought from 2013 (older purchases keep the transitional deduction).":"L-ebda ħelsien għal djar mixtrija mill-2013 (ix-xiri qabel iżomm id-deduzzjoni tranżitorja).","No relief: the interest credit ended for homes bought from 2011.":"L-ebda ħelsien: il-kreditu tal-imgħax intemm għal djar mixtrija mill-2011.","No regional relief for new loans (Flanders since 2020, Brussels since 2017, Wallonia since 2025).":"L-ebda ħelsien reġjonali għal self ġdid (Flanders mill-2020, Brussell mill-2017, Wallonja mill-2025).","No relief for new loans (the housing special-expense deduction ended in 2016).":"L-ebda ħelsien għal self ġdid (id-deduzzjoni għal spejjeż speċjali tad-djar intemmet fl-2016).","No relief for loans taken from 2012.":"L-ebda ħelsien għal self meħud mill-2012.","No relief: mortgage interest relief ended (the temporary 2023–2024 relief has expired).":"L-ebda ħelsien: il-ħelsien fuq l-imgħax tas-self intemm (il-ħelsien temporanju 2023–2024 skada).","No relief: the deduction was phased out and ended in 2023.":"L-ebda ħelsien: id-deduzzjoni tneħħiet gradwalment u ntemmet fl-2023.","No relief for owner-occupiers.":"L-ebda ħelsien għal sidien li jgħixu fid-dar.","Bank of Greece, binding since January 2025; 10% of new loans each quarter may exceed the limits.":"Bank tal-Greċja, vinkolanti minn Jannar 2025; 10% tas-self ġdid kull kwart jista’ jaqbeż il-limiti.","No borrower-based limits are active; banks usually lend up to 80–100% of the value after their own affordability check.":"M’hemm l-ebda limitu attiv ibbażat fuq min jissellef; il-banek normalment isellfu 80–100% tal-valur wara l-verifika tagħhom.","No borrower-based limits are active; banks usually lend up to 80% of the value (more with the public first-home guarantee for young buyers).":"M’hemm l-ebda limitu attiv ibbażat fuq min jissellef; il-banek normalment isellfu sa 80% tal-valur (aktar bil-garanzija pubblika għaż-żgħażagħ fl-ewwel dar).","No borrower-based limits are active; banks usually lend up to 80% of the value for a main home.":"M’hemm l-ebda limitu attiv ibbażat fuq min jissellef; il-banek normalment isellfu sa 80% tal-valur għal residenza ewlenija.","Bank of England: no more than 15% of a lender’s new mortgages may be at 4.5 times income or more (the regulators are consulting on changes in 2026).":"Bank of England: mhux aktar minn 15% tas-self ġdid ta’ min isellef jista’ jkun ta’ 4.5 darbiet id-dħul jew aktar (ir-regolaturi qed jikkonsultaw dwar bidliet fl-2026).","HCSF, binding: payments incl. insurance at most 35% of net income and at most 25 years (27 with a deferral for works); 20% of new loans may exceed.":"HCSF, vinkolanti: pagamenti inkluża l-assigurazzjoni l-aktar 35% tad-dħul nett u l-aktar 25 sena (27 b’differiment għal xogħlijiet); 20% tas-self ġdid jista’ jaqbeż.","Loan at most 100% of the home’s value; the amount you can borrow is also capped by the income-based lending standards (Nibud), not modelled here. Interest is deductible only on loans repaid within 30 years.":"Self l-aktar 100% tal-valur tad-dar; l-ammont huwa wkoll limitat mill-istandards tas-self ibbażati fuq id-dħul (Nibud), mhux immudellati hawn. L-imgħax jitnaqqas biss fuq self imħallas fi żmien 30 sena.","National Bank of Belgium expectations: up to 90% of the value for an own home (first-time buyers may go higher within a tolerance), 80% for buy-to-let.":"Aspettattivi tal-Bank Nazzjonali tal-Belġju: sa 90% tal-valur għal dar proprja (l-ewwel xerrejja jistgħu jaqbżu f’tolleranza), 80% għall-kiri.","CSSF, binding: 100% for first-time buyers of a main home, 90% for other main homes (15% of loans may go to 100%), 80% for other homes.":"CSSF, vinkolanti: 100% għall-ewwel xerrejja ta’ residenza ewlenija, 90% għal residenzi ewlenin oħra (15% tas-self jista’ jasal għal 100%), 80% għal djar oħra.","FMA: the 90% / 40% / 35-year limits became non-binding guidance from July 2025.":"FMA: il-limiti 90% / 40% / 35 sena saru gwida mhux vinkolanti minn Lulju 2025.","Banco de Portugal Recommendation 1/2026 (from August 2026): 90% of the value, payments at most 45% of net income with the rate raised 1.5 points, at most 40 years up to age 35 and 35 years after. A state guarantee lets young buyers borrow more.":"Rakkomandazzjoni 1/2026 tal-Banco de Portugal (minn Awwissu 2026): 90% tal-valur, pagamenti l-aktar 45% tad-dħul nett bir-rata miżjuda b’1.5 punti, l-aktar 40 sena sal-età ta’ 35 u 35 sena wara. Garanzija tal-istat tħalli lix-xerrejja żgħażagħ jissellfu aktar.","Central Bank of Ireland: 90% of the value, 4 times gross income for first-time buyers and 3.5 for others; 15% of loans may exceed.":"Central Bank of Ireland: 90% tal-valur, 4 darbiet id-dħul gross għall-ewwel xerrejja u 3.5 għall-oħrajn; 15% tas-self jista’ jaqbeż.","Central Bank of Malta: 90% for first-time buyers and main homes (75% otherwise), stressed payments at most 40% of income with the rate raised 1.5 points, at most 40 years (25 otherwise) or retirement age.":"Bank Ċentrali ta’ Malta: 90% għall-ewwel xerrejja u residenzi ewlenin (75% inkella), pagamenti taħt stress l-aktar 40% tad-dħul bir-rata miżjuda b’1.5 punti, l-aktar 40 sena (25 inkella) jew l-età tal-pensjoni.","Central Bank of Cyprus: 80% of the value for a main home (70% otherwise), payments at most 80% of net disposable income.":"Bank Ċentrali ta’ Ċipru: 80% tal-valur għal residenza ewlenija (70% inkella), pagamenti l-aktar 80% tad-dħul nett disponibbli.","At least 5% down payment; above 4 times gross income lenders require extra wealth (Danish FSA). Mortgage-bank loans cover up to 80%, the rest is a bank loan.":"Depożitu ta’ mill-inqas 5%; ’il fuq minn 4 darbiet id-dħul gross min isellef jitlob ġid addizzjonali (is-superviżur Daniż). Is-self ipotekarju jkopri sa 80%, il-bqija huwa self bankarju.","Mortgage cap 90% (law from April 2026). Repayment at least 2% a year above 70% of the value and 1% between 50% and 70%.":"Limitu tal-ipoteka 90% (liġi minn April 2026). Ħlas lura ta’ mill-inqas 2% fis-sena ’il fuq minn 70% tal-valur u 1% bejn 50% u 70%.","Lending regulation: 90% of the value, total debt at most 5 times gross income, must afford a 3-point rate rise; above 60% repay at least 2.5% a year.":"Regolament tas-self: 90% tal-valur, dejn totali l-aktar 5 darbiet id-dħul gross, trid tiflaħ żieda fir-rata ta’ 3 punti; ’il fuq minn 60% ħallas lura mill-inqas 2.5% fis-sena.","FIN-FSA: 95% for first-time buyers and 90% for others; stressed payments (6% rate, 25 years) at most 60% of income; at most 30 years.":"FIN-FSA: 95% għall-ewwel xerrejja u 90% għall-oħrajn; pagamenti taħt stress (rata ta’ 6%, 25 sena) l-aktar 60% tad-dħul; l-aktar 30 sena.","Buying costs in {c}":"Spejjeż tax-xiri f’{c}","Total buying costs":"Spejjeż totali tax-xiri","of the price":"tal-prezz","Cash needed upfront (down payment + costs)":"Flus meħtieġa minn qabel (depożitu + spejjeż)","Loan-to-value":"Proporzjon self/valur","at most {p}":"l-aktar {p}","yours {p}":"tiegħek {p}","Payment as a share of net income":"Pagament bħala sehem mid-dħul nett","Payment at 6% over 25 years, share of net income":"Pagament b’6% fuq 25 sena, sehem mid-dħul nett","Payment with the rate {d} points higher, share of net income":"Pagament bir-rata {d} punti ogħla, sehem mid-dħul nett","Loan as a multiple of gross yearly pay":"Self bħala multiplu tal-paga gross annwali","at most {x}×":"l-aktar {x}×","yours {x}×":"tiegħek {x}×","Loan term":"Terminu tas-self","at most {y} years":"l-aktar {y} sena","yours {y} years":"tiegħek {y} sena","Minimum repayment":"Ħlas lura minimu","2% of the loan a year":"2% tas-self fis-sena","1% of the loan a year":"1% tas-self fis-sena","none below 50% of the value":"xejn taħt 50% tal-valur","2.5% of the loan a year (or a 30-year annuity)":"2.5% tas-self fis-sena (jew annwalità ta’ 30 sena)","none below 60% of the value":"xejn taħt 60% tal-valur","Lending limits in {c}":"Limiti tas-self f’{c}","No official limits":"L-ebda limitu uffiċjali","Guidance (not legally binding)":"Gwida (mhux legalment vinkolanti)","Binding rules":"Regoli vinkolanti","as a first-time buyer / main home":"bħala l-ewwel xerrej / residenza ewlenija","as a repeat buyer":"bħala xerrej li diġà kellu dar","Tax relief on interest":"Ħelsien mit-taxxa fuq l-imgħax","about {v} in the first year ({m} a month), so the payment effectively costs {p} a month.":"madwar {v} fl-ewwel sena ({m} fix-xahar), għalhekk il-pagament effettivament jiswa {p} fix-xahar.","Sources: {s}. Fees marked as estimates vary by provider and region.":"Sorsi: {s}. Il-miżati mmarkati bħala stimi jvarjaw skont il-fornitur u r-reġjun.","Wealth if you buy, after {n} years":"Ġid jekk tixtri, wara {n} snin","home value minus loan and selling costs, plus savings":"valur tad-dar nieqes is-self u l-ispejjeż tal-bejgħ, flimkien mat-tfaddil","Wealth if you rent and invest":"Ġid jekk tikri u tinvesti","the upfront cash and any monthly difference, invested":"il-flus inizjali u kull differenza fix-xahar, investiti","Buying ahead by {v}":"Ix-xiri qiegħed quddiem b’{v}","Renting ahead by {v}":"Il-kiri qiegħed quddiem b’{v}","buying pulls ahead from year {y}":"ix-xiri jgħaddi minn quddiem mis-sena {y}","buying does not pull ahead within {n} years":"ix-xiri ma jgħaddix minn quddiem fi {n} snin","Buy":"Ixtri","Rent and invest":"Ikri u investi","How it works: both choices spend the same each month. The buyer pays the loan, the other housing costs and upkeep ({u} of the value a year), minus any interest relief; the renter pays rent rising {g} a year. Whoever spends less in a month invests the difference at {r} a year, and the renter also invests the cash the buyer needed upfront. The home grows {p} a year and selling costs {s} are deducted at the end. Taxes on investment returns and on a future sale are not included; this is a comparison under your assumptions, not advice.":"Kif jaħdem: iż-żewġ għażliet jonfqu l-istess kull xahar. Ix-xerrej iħallas is-self, l-ispejjeż l-oħra tad-dar u l-manutenzjoni ({u} tal-valur fis-sena), nieqes kwalunkwe ħelsien fuq l-imgħax; min jikri jħallas kera li tiżdied {g} fis-sena. Min jonfoq inqas f’xahar jinvesti d-differenza b’{r} fis-sena, u min jikri jinvesti wkoll il-flus inizjali li kellu bżonn ix-xerrej. Id-dar tiżdied {p} fis-sena u spejjeż tal-bejgħ ta’ {s} jitnaqqsu fl-aħħar. It-taxxi fuq ir-redditu tal-investiment u fuq bejgħ futur mhumiex inklużi; dan huwa paragun skont is-suppożizzjonijiet tiegħek, mhux parir.","How it works: interest is charged every month on the remaining balance at the rate you enter. With equal monthly payments the payment stays the same and the capital part grows; with equal capital the payment starts higher and falls. Extra repayments go straight to the capital. The rate is your assumption, not an offer: compare real offers.":"Kif jaħdem: l-imgħax jinħadem kull xahar fuq il-bilanċ li jifdal bir-rata li ddaħħal. B’pagamenti ugwali l-pagament jibqa’ l-istess u l-parti tal-kapital tikber; b’kapital ugwali l-pagament jibda ogħla u jonqos. Il-ħlasijiet żejda jmorru dritt għall-kapital. Ir-rata hija suppożizzjoni tiegħek, mhux offerta: qabbel offerti reali.","Monthly RETA quota by computable net yield (profit less a 7% generic deduction): from about €206 (up to €670/month) to €607 (above €6,000/month) in 2026, the 2025 minimum bases extended at 31.5% including the 0.9% intergenerational equity charge (MEI). IRPF on profit with the same scale, 5% hard-to-justify expenses (max €2,000), no work-income reduction.":"Kontribuzzjoni RETA fix-xahar skont id-dħul nett komputabbli (profitt nieqes tnaqqis ġeneriku ta’ 7%): minn madwar €206 (sa €670/xahar) sa €607 (’il fuq minn €6,000/xahar) fl-2026, il-bażijiet minimi tal-2025 estiżi b’31.5% inkluż 0.9% kontribuzzjoni ta’ ekwità bejn il-ġenerazzjonijiet (MEI). IRPF fuq il-profitt bl-istess skala, 5% spejjeż diffiċli biex jiġu ġġustifikati (massimu €2,000), mingħajr tnaqqis għal dħul mix-xogħol.","St Francis of Assisi":"San Franġisk ta’ Assisi","Public holidays on weekdays in 2026":"Btajjel pubbliċi fil-ġranet tax-xogħol fl-2026","Legal minimum annual leave in 2026, 5-day week":"Leave annwali minimu legali fl-2026, ġimgħa ta’ 5 ijiem","Annual leave after 10 years with the employer, 5-day week":"Leave annwali wara 10 snin mal-istess min iħaddem, ġimgħa ta’ 5 ijiem","2008 rules: income tax + employee contributions at the average wage (€23,850)":"Regoli tal-2008: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€23,850)","2017 rules: income tax + employee contributions at the average wage (€19,859)":"Regoli tal-2017: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€19,859)","2021 rules: income tax + employee contributions at the average wage (€20,057)":"Regoli tal-2021: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€20,057)","2024 rules: income tax + employee contributions at the average wage (€25,680)":"Regoli tal-2024: taxxa fuq id-dħul + kontribuzzjonijiet tal-impjegat fuq il-paga medja (€25,680)","Employer notice after 12 years (months)":"Avviż minn min iħaddem wara 12-il sena (xhur)","Employer notice after 20 years (months)":"Avviż minn min iħaddem wara 20 sena (xhur)","Objective dismissal after 10 years at €30,000 a year":"Tkeċċija oġġettiva wara 10 snin b’€30,000 fis-sena","Unfair dismissal cap for service from 2012 (days)":"Limitu ta’ tkeċċija inġusta għas-servizz mill-2012 (ġranet)","Unfair dismissal with 20 years before 2012 (days)":"Tkeċċija inġusta b’20 sena qabel l-2012 (ġranet)","Transfer tax on €200,000":"Taxxa fuq it-trasferiment fuq €200,000","Transfer tax (ITP) on a €300,000 resale home in Madrid":"Taxxa fuq it-trasferiment (ITP) fuq dar użata ta’ €300,000 f’Madrid","Transfer tax + land register fee on €300,000":"Taxxa fuq it-trasferiment + miżata tar-reġistru tal-art fuq €300,000","Transfer tax on a €200,000 housing-company flat":"Taxxa fuq it-trasferiment fuq appartament ta’ kumpanija tad-djar ta’ €200,000","Document duty on NOK 4,000,000":"Taxxa fuq id-dokumenti fuq NOK 4,000,000","Transfer fees on a €200,000 resale home":"Miżati ta’ trasferiment fuq dar użata ta’ €200,000","RETA quota for €18,000 net profit a year":"Kontribuzzjoni RETA għal €18,000 profitt nett fis-sena","Health + care insurance at the minimum base, childless, age 30":"Assigurazzjoni tas-saħħa u tal-kura fuq il-bażi minima, mingħajr tfal, 30 sena","tax, contributions, net pay, state and private pensions, termination, benefits, home buying, leave, freelance":"taxxa, kontribuzzjonijiet, paga netta, pensjonijiet tal-istat u privati, tmiem tal-impjieg, benefiċċji, xiri ta’ dar, leave, persuni li jaħdmu għal rashom","Micro-entrepreneur contributions on €40,000 of service fees (BNC)":"Kontribuzzjonijiet ta’ micro-entrepreneur fuq €40,000 miżati għal servizzi (BNC)","5 weeks (25 working days) a year under the Holiday Act, earned at 2.08 days a month, with 12.5% holiday pay or full pay plus a 1% supplement. Many agreements add 5 extra holiday days (feriefridage). Great Prayer Day was abolished in 2024. Constitution Day (5 June) is not a public holiday by law, but many agreements give a full or half day off.":"5 ġimgħat (25 jum tax-xogħol) fis-sena skont il-liġi Daniża tal-leave, miksuba b’2.08 ijiem fix-xahar, b’12.5% ħlas tal-leave jew paga sħiħa flimkien ma’ 1%. Ħafna ftehimiet iżidu 5 ijiem (feriefridage). Il-Jum il-Kbir tat-Talb tneħħa fl-2024. Jum il-Kostituzzjoni (5 ta’ Ġunju) mhuwiex btala pubblika bil-liġi, iżda ħafna ftehimiet jagħtu jum jew nofs jum liberu.","Private pension (PGBL/VGBL) payout tax after 10 years, regressive table":"Taxxa fuq il-ħlasijiet tal-pensjoni privata (PGBL/VGBL) wara 10 snin, tabella li tonqos","PGBL deduction limit for R$60,000 of taxable income":"Limitu tad-deduzzjoni PGBL għal R$60,000 dħul taxxabbli","New York mansion tax on a $1,200,000 home":"Mansion tax ta’ New York fuq dar ta’ $1,200,000","ITBI on a R$500,000 home in São Paulo":"ITBI fuq dar ta’ R$500,000 f’São Paulo","California":"California","California SDI 1.3%":"SDI ta’ California 1.3%","New York":"New York","NY Paid Family Leave 0.432% (max $411.91) + disability $0.60 a week":"Liv tal-familja mħallas NY 0.432% (massimu $411.91) + diżabilità $0.60 fil-ġimgħa","Texas (no state income tax)":"Texas (l-ebda taxxa statali fuq id-dħul)","Florida (no state income tax)":"Florida (l-ebda taxxa statali fuq id-dħul)","Washington (no state income tax)":"Washington (l-ebda taxxa statali fuq id-dħul)","WA Cares long-term care 0.58%":"WA Cares kura fit-tul 0.58%","WA Paid Family and Medical Leave 0.81%":"Liv tal-familja u mediku mħallas WA 0.81%","Illinois":"Illinois","Pennsylvania":"Pennsylvania","PA unemployment 0.07%":"Qgħad PA 0.07%","Ohio":"Ohio","Georgia":"Georgia","North Carolina":"North Carolina","Michigan":"Michigan","New Jersey":"New Jersey","NJ unemployment, disability and family leave insurance":"Assigurazzjoni NJ għall-qgħad, diżabilità u liv tal-familja","Massachusetts":"Massachusetts","MA Paid Family and Medical Leave 0.46%":"Liv tal-familja u mediku mħallas MA 0.46%","Virginia":"Virginia","Arizona":"Arizona","Colorado":"Colorado","Another state (federal taxes only)":"Stat ieħor (taxxi federali biss)","Social Security 6.2% (up to $184,500)":"Social Security 6.2% (sa $184,500)","Medicare 1.45% (+0.9% above $200,000)":"Medicare 1.45% (+0.9% ’il fuq minn $200,000)","Federal income tax":"Taxxa federali fuq id-dħul","Refundable Child Tax Credit":"Child Tax Credit rimborżabbli","Standard deduction (federal)":"Deduzzjoni standard (federali)","Overtime deduction (2025–2028)":"Deduzzjoni għas-sahra (2025–2028)","Child Tax Credit ($2,200 per child)":"Child Tax Credit ($2,200 għal kull tifel)","Self-employment tax 15.3% (Social Security + Medicare)":"Taxxa tal-persuni li jaħdmu għal rashom 15.3% (Social Security + Medicare)","State":"Stat","Maximum weekly benefit":"Benefiċċju massimu fil-ġimgħa","Weeks":"Ġimgħat","None by law":"Xejn bil-liġi","at-will employment; 60 days for mass layoffs (WARN Act)":"impjieg «at will»; 60 jum għal tkeċċijiet kollettivi (WARN Act)","United States":"Stati Uniti","Filing status":"Status tad-dikjarazzjoni","Married filing jointly (one income)":"Miżżewġin, dikjarazzjoni konġunta (dħul wieħed)","Head of household (single parent)":"Kap tal-familja (ġenitur waħdu)","I live in New York City (city income tax)":"Ngħix fil-belt ta’ New York (taxxa tal-belt fuq id-dħul)","Employer match (% of what you put in)":"Kontribuzzjoni ekwivalenti ta’ min iħaddem (% ta’ dak li tpoġġi)","Matched up to (% of salary)":"Ekwivalenti sa (% tas-salarju)","Account type":"Tip ta’ kont","Traditional 401(k): tax relief now, taxed when paid out":"401(k) Traditional: ħelsien issa, taxxa meta jitħallas","Roth 401(k): no relief now, tax-free when paid out":"401(k) Roth: l-ebda ħelsien issa, ħlas eżenti","Your tax rate in retirement %":"Ir-rata tat-taxxa tiegħek fl-irtirar %","Company severance: weeks of pay per year (0 if none)":"Kumpens tal-kumpanija: ġimgħat ta’ paga għal kull sena (0 jekk m’hemmx)","Federal income tax 2026":"Taxxa federali fuq id-dħul 2026","10% to 37% in seven brackets; for a single filer 10% up to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600 and 37% above (joint brackets are twice as wide up to 32%). Standard deduction $16,100 single, $32,200 joint, $24,150 head of household. Child Tax Credit $2,200 per child, up to $1,700 refundable.":"Minn 10% sa 37% f’seba’ faxex; għal persuna waħedha 10% sa $12,400, 12% sa $50,400, 22% sa $105,700, 24% sa $201,775, 32% sa $256,225, 35% sa $640,600 u 37% ’il fuq (il-faxex konġunti huma d-doppju sa 32%). Deduzzjoni standard $16,100 waħdek, $32,200 konġunta, $24,150 kap tal-familja. Child Tax Credit $2,200 għal kull tifel, sa $1,700 rimborżabbli.","Payroll taxes (FICA)":"Taxxi fuq il-pagi (FICA)","Social Security 6.2% on pay up to $184,500 and Medicare 1.45% on all pay, plus 0.9% above $200,000. Your employer pays the same 7.65% plus federal and state unemployment tax. Some states add disability or family-leave contributions (California SDI 1.3%, New York, New Jersey, Massachusetts, Washington).":"Social Security 6.2% fuq il-paga sa $184,500 u Medicare 1.45% fuq il-paga kollha, flimkien ma’ 0.9% ’il fuq minn $200,000. Min iħaddem iħallas l-istess 7.65% flimkien mat-taxxa federali u statali tal-qgħad. Xi stati jżidu kontribuzzjonijiet għad-diżabilità jew għal-liv tal-familja (SDI ta’ California 1.3%, New York, New Jersey, Massachusetts, Washington).","State income tax":"Taxxa statali fuq id-dħul","Each state sets its own: none in Texas, Florida, Washington and six others; flat rates such as Pennsylvania 3.07%, Illinois 4.95%, North Carolina 3.99% and Georgia 4.99%; graduated rates up to 13.3% in California and 10.9% in New York (plus up to 3.876% New York City tax). Traditional 401(k) contributions lower state tax too, except in Pennsylvania.":"Kull stat jiffissa tiegħu: xejn f’Texas, Florida, Washington u sitta oħra; rati fissi bħal Pennsylvania 3.07%, Illinois 4.95%, North Carolina 3.99% u Georgia 4.99%; rati progressivi sa 13.3% f’California u 10.9% f’New York (flimkien ma’ sa 3.876% taxxa tal-belt ta’ New York). Il-kontribuzzjonijiet 401(k) Traditional inaqqsu wkoll it-taxxa statali, ħlief f’Pennsylvania.","Non-exempt employees get at least 1.5 times their regular rate for hours over 40 in a week. There is no federal premium for nights, weekends or holidays, and no federal cap on overtime hours. Some states add daily overtime (California: over 8 hours a day, double time over 12).":"L-impjegati mhux eżenti jieħdu mill-inqas 1.5 darbiet ir-rata normali għall-ħinijiet ’il fuq minn 40 fil-ġimgħa. M’hemm l-ebda żieda federali għal-lejl, it-tmiem il-ġimgħa jew il-festi, u l-ebda limitu federali għas-sahra. Xi stati jżidu sahra ta’ kuljum (California: ’il fuq minn 8 sigħat kuljum, doppju ’il fuq minn 12).","No tax on overtime (2025–2028)":"L-ebda taxxa fuq is-sahra (2025–2028)","The premium part of FLSA overtime (the extra half) can be deducted from federal taxable income, up to $12,500 a year ($25,000 joint), phasing out above $150,000 of income ($300,000 joint). Social Security, Medicare and most state taxes still apply.":"Il-parti taż-żieda tas-sahra FLSA (in-nofs żejjed) tista’ titnaqqas mid-dħul taxxabbli federali, sa $12,500 fis-sena ($25,000 konġunta), b’tnaqqis ’il fuq minn $150,000 dħul ($300,000 konġunta). Social Security, Medicare u l-biċċa l-kbira tat-taxxi statali jibqgħu japplikaw.","No federal limit":"L-ebda limitu federali","Self-employment tax 15.3% (12.4% Social Security up to $184,500 + 2.9% Medicare) on 92.35% of net profit; half of it is deductible. The qualified business income deduction takes 20% off taxable income below $201,750 ($403,500 joint). Estimated tax is paid quarterly. State income tax applies as for employees.":"Taxxa tal-persuni li jaħdmu għal rashom 15.3% (12.4% Social Security sa $184,500 + 2.9% Medicare) fuq 92.35% tal-profitt nett; nofsha tista’ titnaqqas. Id-deduzzjoni għad-dħul kwalifikat tan-negozju tnaqqas 20% mid-dħul taxxabbli taħt $201,750 ($403,500 konġunta). It-taxxa titħallas kull tliet xhur bil-quddiem. It-taxxa statali tapplika bħal għall-impjegati.","Social Security":"Social Security","Based on your best 35 years of earnings (up to the taxable maximum), indexed to wages: 90% of the first $1,286 of average monthly earnings, 32% up to $7,749 and 15% above (2026). Full retirement age is 67 for people born in 1960 or later; claiming at 62 pays 70%, waiting to 70 pays 124%. You need 40 credits ($1,890 of earnings per credit in 2026, up to 4 a year).":"Ibbażata fuq l-aqwa 35 sena ta’ dħul tiegħek (sal-massimu), indiċjati mal-pagi: 90% tal-ewwel $1,286 tad-dħul medju fix-xahar, 32% sa $7,749 u 15% ’il fuq (2026). L-età sħiħa tal-irtirar hija 67 għal min twieled mill-1960; fl-62 tieħu 70%, jekk tistenna sas-70 tieħu 124%. Għandek bżonn 40 kreditu ($1,890 dħul għal kull kreditu fl-2026, sa 4 fis-sena).","Tax and Medicare":"Taxxa u Medicare","Up to 85% of benefits can be taxed if other income is high; with Social Security alone most retirees pay no federal tax. From 65 the Medicare Part B premium ($202.90 a month in 2026) is usually deducted from the benefit. Benefits rose 2.8% in 2026.":"Sa 85% tal-benefiċċji jistgħu jiġu ntaxxati jekk dħul ieħor ikun għoli; b’Social Security biss il-biċċa l-kbira tal-pensjonanti ma jħallsux taxxa federali. Mill-65 il-primjum ta’ Medicare Part B ($202.90 fix-xahar fl-2026) normalment jitnaqqas mill-benefiċċju. Il-benefiċċji żdiedu 2.8% fl-2026.","401(k): you choose a share of your pay; many employers match part of it (often 50% of up to 6% of salary). Traditional contributions are taken before income tax and taxed when withdrawn; Roth contributions are taxed now and withdrawn tax-free. Withdrawals usually start from 59½, and required minimum distributions from 73.":"401(k): tagħżel sehem mill-paga; ħafna minn min iħaddem iżidu parti minnha (spiss 50% sa 6% tas-salarju). Il-kontribuzzjonijiet Traditional jitnaqqsu qabel it-taxxa u jiġu ntaxxati meta tirtirahom; dawk Roth jiġu ntaxxati issa u jinġibdu eżenti. Il-ġbid normalment jibda mill-59½, u l-ġbid minimu obbligatorju mit-73.","Martin Luther King Jr. Day":"Martin Luther King Jr. Day","Washington’s Birthday":"Għeluq is-sena ta’ Washington","Memorial Day":"Memorial Day","Juneteenth":"Juneteenth","Labor Day":"Labor Day","Columbus Day":"Columbus Day","Veterans Day":"Veterans Day","Thanksgiving Day":"Jum il-Ħajr (Thanksgiving)","No federal law requires paid vacation or paid holidays in the private sector; they come from your employer (11 days after a year of service is typical). The 11 federal holidays are shown, moved to Friday or Monday when they fall on a weekend. Some states require paid sick days, and a few pay family leave.":"L-ebda liġi federali ma titlob liv imħallas jew btajjel imħallsa fis-settur privat; jiġu minn min iħaddem (11-il jum wara sena servizz huwa komuni). Jintwerew il-11-il btala federali, imċaqalqa għall-Ġimgħa jew it-Tnejn meta jaħbtu fi tmiem il-ġimgħa. Xi stati jitolbu jiem tal-mard imħallsa u ftit iħallsu liv tal-familja.","8 weeks of state Paid Family Leave at 70–90% of pay":"8 ġimgħat ta’ liv tal-familja mħallas mill-istat b’70–90% tal-paga","12 weeks of state Paid Family Leave at 67% of pay (capped)":"12-il ġimgħa ta’ liv tal-familja mħallas mill-istat b’67% tal-paga (b’limitu)","12 weeks of state Family Leave Insurance at 85% of pay (capped)":"12-il ġimgħa ta’ assigurazzjoni statali għal-liv tal-familja b’85% tal-paga (b’limitu)","12 weeks of state Paid Family Leave (up to 26 with medical leave)":"12-il ġimgħa ta’ liv tal-familja mħallas mill-istat (sa 26 mal-liv mediku)","12 weeks of state Paid Family Leave (up to 90% of pay, capped)":"12-il ġimgħa ta’ liv tal-familja mħallas mill-istat (sa 90% tal-paga, b’limitu)","12 weeks of state FAMLI paid leave (up to 90% of pay, capped)":"12-il ġimgħa ta’ liv imħallas FAMLI mill-istat (sa 90% tal-paga, b’limitu)","Family and Medical Leave Act (FMLA)":"Family and Medical Leave Act (FMLA)","12 weeks a year for a birth, adoption or serious illness (employers with 50+ staff, after 12 months)":"12-il ġimgħa fis-sena għal twelid, adozzjoni jew mard serju (min iħaddem b’50+ impjegat, wara 12-il xahar)","State paid family leave":"Liv tal-familja mħallas mill-istat","Not available in this state":"Mhux disponibbli f’dan l-istat","Paid by the state fund":"Imħallas mill-fond tal-istat","Paid sick leave":"Liv tal-mard imħallas","No federal right; many states require 40 hours or more a year (California, New York, New Jersey, Massachusetts, Washington, Arizona, Illinois, Michigan, Colorado)":"L-ebda dritt federali; ħafna stati jitolbu 40 siegħa jew aktar fis-sena (California, New York, New Jersey, Massachusetts, Washington, Arizona, Illinois, Michigan, Colorado)","Full pay where required":"Paga sħiħa fejn huwa obbligatorju","Pregnancy and nursing":"Tqala u treddigħ","Reasonable accommodations and break time to express milk for a year (Pregnant Workers Fairness Act, PUMP Act)":"Akkomodazzjonijiet raġonevoli u pawżi biex tiġbed il-ħalib għal sena (Pregnant Workers Fairness Act, PUMP Act)","Breaks usually unpaid":"Pawżi normalment mhux imħallsa","Laid off or dismissed (not for misconduct)":"Imkeċċi (mhux għal ħtija)","At-will employment":"Impjieg «at will»","In almost every state either side can end the job at any time without notice or a reason (but not for a discriminatory or retaliatory reason). There is no legal severance; many employers pay 1–2 weeks per year of service in exchange for a release. The WARN Act requires 60 days’ notice for mass layoffs at employers with 100+ staff.":"Fi kważi kull stat kull naħa tista’ ttemm l-impjieg meta trid mingħajr avviż jew raġuni (iżda mhux għal raġuni diskriminatorja jew ta’ ritaljazzjoni). M’hemm l-ebda kumpens legali; ħafna minn min iħaddem iħallsu ġimgħa jew tnejn għal kull sena servizz bi tpattija għal rinunzja. Il-WARN Act jitlob 60 jum avviż għal tkeċċijiet kollettivi f’min iħaddem b’100+ impjegat.","Unemployment insurance":"Assigurazzjoni tal-qgħad","Run by each state: usually about half of your previous weekly pay up to a state maximum (from $275 in Florida to $1,152 in Washington in 2026), for up to 26 weeks (12 in Florida and North Carolina, 14 in Georgia). Benefits are taxable income. Not after quitting without good cause.":"Immexxija minn kull stat: normalment madwar nofs il-paga ta’ qabel fil-ġimgħa sa massimu (minn $275 fi Florida sa $1,152 f’Washington fl-2026), għal sa 26 ġimgħa (12 fi Florida u North Carolina, 14 f’Georgia). Il-benefiċċju huwa taxxabbli. Mhux wara li tirriżenja mingħajr raġuni tajba.","Final pay and health cover":"L-aħħar paga u kopertura tas-saħħa","Some states (such as California, Colorado, Illinois and Massachusetts) require unused vacation to be paid out. COBRA lets you keep your employer health plan for up to 18 months at your own cost.":"Xi stati (bħal California, Colorado, Illinois u Massachusetts) jitolbu li l-liv mhux użat jitħallas. COBRA jħallik iżżomm l-assigurazzjoni tas-saħħa ta’ min iħaddem sa 18-il xahar bi spejjeż tiegħek.","A traditional 401(k) contribution lowers both federal and state income tax; take at least the full employer match, it is an instant return.":"Kontribuzzjoni 401(k) Traditional tnaqqas kemm it-taxxa federali kif ukoll dik statali; ħu mill-inqas il-kontribuzzjoni ekwivalenti kollha ta’ min iħaddem, hija redditu immedjat.","If you are paid FLSA overtime, its premium half is deductible from federal income tax until 2028 (up to $12,500).":"Jekk titħallas sahra FLSA, in-nofs taż-żieda jitnaqqas mit-taxxa federali sal-2028 (sa $12,500).","The Child Tax Credit ($2,200 per child) is included in the tax above; there is no separate monthly child benefit. Married couples usually file jointly with brackets twice as wide.":"Il-Child Tax Credit ($2,200 għal kull tifel) huwa inkluż fit-taxxa ta’ hawn fuq; m’hemm l-ebda benefiċċju separat fix-xahar għat-tfal. Il-miżżewġin normalment jagħmlu dikjarazzjoni konġunta b’faxex doppji.","No legal severance (at-will employment)":"L-ebda kumpens legali (impjieg «at will»)","12 weeks unpaid (FMLA); paid in some states":"12-il ġimgħa mhux imħallsa (FMLA); imħallsa f’xi stati","12 weeks unpaid (FMLA)":"12-il ġimgħa mhux imħallsa (FMLA)","No federal paid leave":"L-ebda liv imħallas federali","No federal right; many states require 40 hours":"L-ebda dritt federali; ħafna stati 40 siegħa","Annual federal and state tax for one employee with the standard deduction, before any pre-tax health insurance. Local income taxes other than New York City (for example in Pennsylvania, Ohio and Michigan cities), itemised deductions, the AMT and state credits are not modelled; payroll withholding can differ from the tax on your return.":"Taxxa federali u statali annwali għal impjegat wieħed bid-deduzzjoni standard, qabel kwalunkwe assigurazzjoni tas-saħħa mnaqqsa qabel it-taxxa. Taxxi lokali fuq id-dħul barra l-belt ta’ New York (pereżempju fi bliet ta’ Pennsylvania, Ohio u Michigan), deduzzjonijiet dettaljati, l-AMT u krediti statali mhumiex ikkalkulati; it-taxxa miżmuma mill-paga tista’ tvarja mit-taxxa tad-dikjarazzjoni.","Official sources: IRS (Rev. Proc. 2025-32, Notice 2025-67), Social Security Administration (2026 COLA fact sheet), US Department of Labor (FLSA, state unemployment insurance laws), state tax agencies (FTB/EDD California, NY DTF, NJ Treasury, Massachusetts DOR).":"Sorsi uffiċjali: IRS (Rev. Proc. 2025-32, Notice 2025-67), Social Security Administration (skeda COLA 2026), Dipartiment tax-Xogħol tal-Istati Uniti (FLSA, liġijiet statali tal-assigurazzjoni tal-qgħad), awtoritajiet statali tat-taxxa (FTB/EDD California, NY DTF, NJ Treasury, Massachusetts DOR).","Federal income tax, single, $60,000 of wages":"Taxxa federali, persuna waħedha, paga ta’ $60,000","Federal income tax, married filing jointly, $120,000":"Taxxa federali, miżżewġin b’dikjarazzjoni konġunta, $120,000","California income tax, single, $80,000 of wages":"Taxxa ta’ California, persuna waħedha, paga ta’ $80,000","Overtime deduction for $20,000 of overtime premium, income $200,000 (single)":"Deduzzjoni għal $20,000 żieda tas-sahra, dħul $200,000 (waħdek)","Employee Social Security + Medicare on $200,000":"Social Security + Medicare tal-impjegat fuq $200,000","New York Paid Family Leave, maximum per year":"Liv tal-familja mħallas ta’ New York, massimu fis-sena","Primary insurance amount for average indexed earnings of $5,000 a month":"Ammont bażiku għal dħul medju indiċjat ta’ $5,000 fix-xahar","Benefit when claiming at 62 (full retirement age 67)":"Benefiċċju meta titlob fl-62 (età sħiħa 67)","401(k) employee limit at age 45":"Limitu 401(k) tal-impjegat fl-età ta’ 45","401(k) employee limit at age 61 (super catch-up)":"Limitu 401(k) tal-impjegat fl-età ta’ 61 (kontribuzzjoni addizzjonali msaħħa)","Self-employment tax on $50,000 net profit":"Taxxa tal-persuni li jaħdmu għal rashom fuq $50,000 profitt nett","Maximum weekly unemployment benefit, California":"Benefiċċju massimu tal-qgħad fil-ġimgħa, California","Maximum weekly unemployment benefit, New York":"Benefiċċju massimu tal-qgħad fil-ġimgħa, New York","Child Tax Credit for 2 children, income $80,000":"Child Tax Credit għal 2 tfal, dħul $80,000","INSS 7.5–14% (up to R$8,475.55 a month)":"INSS 7.5–14% (sa R$8,475.55 fix-xahar)","IRRF income tax (12 monthly salaries)":"Taxxa fuq id-dħul IRRF (12-il salarju fix-xahar)","IRRF on the 13th salary (taxed separately)":"IRRF fuq it-13-il salarju (intaxxat separatament)","FGTS 8% paid by your employer into your account":"FGTS 8% imħallas minn min iħaddem fil-kont tiegħek","Vacation bonus of one third (paid with your holidays, taxed)":"Bonus tal-vaganzi ta’ terz (jitħallas mal-vaganzi, taxxabbli)","Salário-família R$67.54 per child (pay up to R$1,980.38)":"Salário-família R$67.54 għal kull tifel (paga sa R$1,980.38)","MEI monthly DAS (INSS 5% of the minimum wage + ISS)":"DAS fix-xahar tal-MEI (INSS 5% tal-paga minima + ISS)","INSS 20% for the self-employed (up to the ceiling)":"INSS 20% għal min jaħdem għal rasu (sal-limitu)","30 days + 3 per year of service, up to 90":"30 jum + 3 għal kull sena servizz, sa 90","30 days (you give it)":"30 jum (tagħtihom int)","Brazil":"Brażil","Regime":"Reġim","Self-employed (autônomo, carnê-leão)":"Jaħdem għal rasu (autônomo, carnê-leão)","MEI micro-entrepreneur (up to R$81,000 a year)":"Mikro-intraprenditur MEI (sa R$81,000 fis-sena)","Progressive contribution on each slice of monthly pay: 7.5% up to R$1,621.00, 9% up to R$2,902.84, 12% up to R$4,354.27 and 14% up to the ceiling of R$8,475.55 (maximum R$988.09 a month). The 13th salary pays INSS too.":"Kontribuzzjoni progressiva fuq kull porzjon tal-paga fix-xahar: 7.5% sa R$1,621.00, 9% sa R$2,902.84, 12% sa R$4,354.27 u 14% sal-limitu ta’ R$8,475.55 (l-aktar R$988.09 fix-xahar). Anki t-13-il salarju jħallas INSS.","Income tax (IRRF) 2026":"Taxxa fuq id-dħul (IRRF) 2026","Monthly table: exempt up to R$2,428.80, then 7.5%, 15%, 22.5% and 27.5% above R$4,664.68, after deducting INSS and R$189.59 per dependant (or a simplified R$607.20). Since January 2026 (Lei 15.270/2025) a reduction makes taxable income up to R$5,000 a month tax-free and tapers off by R$7,350. The 13th salary is taxed separately.":"Tabella ta’ kull xahar: eżenti sa R$2,428.80, imbagħad 7.5%, 15%, 22.5% u 27.5% ’il fuq minn R$4,664.68, wara li jitnaqqsu l-INSS u R$189.59 għal kull dipendent (jew skont simplifikat ta’ R$607.20). Minn Jannar 2026 (Lei 15.270/2025) tnaqqis jagħmel id-dħul taxxabbli sa R$5,000 fix-xahar eżenti u jispiċċa sa R$7,350. It-13-il salarju jiġi ntaxxat separatament.","13th salary, FGTS and employer cost":"It-13-il salarju, l-FGTS u l-ispiża ta’ min iħaddem","Employees get a 13th salary each December and a one-third bonus on their holiday pay. The employer deposits 8% of pay into your FGTS account and pays about 28% social contributions (20% INSS + accident insurance + third-party levies); companies in Simples Nacional pay less. Minimum wage R$1,621 a month.":"L-impjegati jieħdu t-13-il salarju kull Diċembru u bonus ta’ terz fuq il-paga tal-vaganzi. Min iħaddem jiddepożita 8% tal-paga fil-kont FGTS tiegħek u jħallas madwar 28% kontribuzzjonijiet (20% INSS + assigurazzjoni kontra l-inċidenti + imposti għal terzi); il-kumpaniji fis-Simples Nacional iħallsu inqas. Paga minima R$1,621 fix-xahar.","CLT overtime":"Sahra skont is-CLT","At least 50% extra for overtime (art. 59 CLT), at most 2 hours a day; 100% on Sundays and public holidays worked without a day off in lieu. Night work from 22:00 to 05:00 pays at least 20% extra, and a night hour counts as 52½ minutes.":"Mill-inqas 50% żieda għas-sahra (art. 59 CLT), l-aktar sagħtejn kuljum; 100% fil-Ħdud u l-festi maħduma mingħajr jum ta’ mistrieħ minfloku. Ix-xogħol bil-lejl mill-22:00 sal-05:00 iħallas mill-inqas 20% żieda, u siegħa bil-lejl tgħodd 52½ minuta.","Overtime pays INSS and IRRF like normal pay and also raises your 13th salary, holiday pay and FGTS.":"Is-sahra tħallas INSS u IRRF bħall-paga normali u żżid ukoll it-13-il salarju, il-paga tal-vaganzi u l-FGTS.","2 h / day":"2 sigħat / jum","Autônomo and MEI":"Autônomo u MEI","A self-employed person pays INSS of 20% of earnings up to the ceiling (at most R$1,695.11 a month) and monthly income tax through carnê-leão on receipts less business expenses; municipal service tax (ISS) is not included. A MEI with revenue up to R$81,000 a year pays only a fixed monthly DAS (R$86.05 for services in 2026), which covers INSS and ISS.":"Min jaħdem għal rasu jħallas INSS ta’ 20% tad-dħul sal-limitu (l-aktar R$1,695.11 fix-xahar) u taxxa fuq id-dħul kull xahar permezz tal-carnê-leão fuq id-dħul nieqes l-ispejjeż tan-negozju; it-taxxa muniċipali fuq is-servizzi (ISS) mhix inkluża. MEI b’dħul sa R$81,000 fis-sena jħallas biss DAS fiss kull xahar (R$86.05 għas-servizzi fl-2026), li jkopri l-INSS u l-ISS.","INSS retirement by age":"Pensjoni tal-INSS skont l-età","Since the 2019 reform: age 65 for men and 62 for women, with at least 15 years of contributions (20 for men who started after November 2019). The pension is 60% of the average of all salaries since July 1994 plus 2 points per year above 20 years (men) or 15 (women), never below the minimum wage (R$1,621) or above the ceiling (R$8,475.55).":"Mir-riforma tal-2019: età ta’ 65 għall-irġiel u 62 għan-nisa, b’mill-inqas 15-il sena kontribuzzjonijiet (20 għall-irġiel li bdew wara Novembru 2019). Il-pensjoni hija 60% tal-medja tas-salarji kollha minn Lulju 1994 flimkien ma’ 2 punti għal kull sena ’il fuq minn 20 (irġiel) jew 15 (nisa), qatt taħt il-paga minima (R$1,621) jew ’il fuq mil-limitu (R$8,475.55).","Payment and tax":"Ħlas u taxxa","Pensions are paid 13 times a year and rise each January with inflation (above the minimum, by INPC). From 65 an extra R$1,903.98 a month is exempt from income tax. Transition rules for people insured before the reform can give an earlier or higher pension; check Meu INSS.":"Il-pensjonijiet jitħallsu 13-il darba fis-sena u jiżdiedu kull Jannar mal-inflazzjoni (’il fuq mill-minimu, skont l-INPC). Mill-65 R$1,903.98 oħra fix-xahar huma eżenti mit-taxxa. Ir-regoli tranżitorji għal min kien assigurat qabel ir-riforma jistgħu jagħtu pensjoni aktar kmieni jew ogħla; iċċekkja fuq Meu INSS.","Private pension (PGBL/VGBL): with the regressive tax table, payouts are taxed at 35% for money held under 2 years, falling by 5 points every two years to 10% after 10 years. Employer plans (fundos de pensão) often match part of your contribution.":"Pensjoni privata (PGBL/VGBL): bit-tabella li tonqos, il-ħlasijiet jiġu ntaxxati 35% għal flus miżmuma inqas minn sentejn, b’5 punti inqas kull sentejn sa 10% wara 10 snin. Il-pjanijiet ta’ min iħaddem (fundos de pensão) spiss iżidu parti mill-kontribuzzjoni tiegħek.","New Year (Confraternização Universal)":"Sena l-Ġdida (Confraternização Universal)","Good Friday (Paixão de Cristo)":"Il-Ġimgħa l-Kbira (Paixão de Cristo)","Tiradentes":"Tiradentes","Our Lady of Aparecida":"Il-Madonna ta’ Aparecida","All Souls’ Day (Finados)":"Jum il-Mejtin (Finados)","Proclamation of the Republic":"Proklamazzjoni tar-Repubblika","Black Consciousness Day":"Jum il-Kuxjenza s-Sewda","30 calendar days of paid holidays after each 12 months of work (art. 130 CLT), about 22 working days, with a one-third bonus; they can be split into up to three periods (one of at least 14 days), and up to 10 days can be sold back. The national holidays are shown; Carnival is an optional day off (ponto facultativo), and states and cities add their own holidays.":"30 jum kalendarju ta’ vaganzi mħallsa wara kull 12-il xahar xogħol (art. 130 CLT), madwar 22 jum tax-xogħol, b’bonus ta’ terz; jistgħu jinqasmu sa tliet perjodi (wieħed mill-inqas 14-il jum), u sa 10 ijiem jistgħu jinbiegħu. Jintwerew il-btajjel nazzjonali; il-Karnival huwa jum liberu fakultattiv (ponto facultativo), u l-istati u l-bliet għandhom il-btajjel tagħhom.","120 days (180 at Empresa Cidadã employers)":"120 jum (180 ma’ min iħaddem Empresa Cidadã)","Full pay (salário-maternidade, INSS)":"Paga sħiħa (salário-maternidade, INSS)","5 days in 2026 (20 at Empresa Cidadã); rising to 10 days in 2027, 15 in 2028 and 20 in 2029 under the 2026 law":"5 ijiem fl-2026 (20 ma’ Empresa Cidadã); jitla’ għal 10 ijiem fl-2027, 15 fl-2028 u 20 fl-2029 bil-liġi tal-2026","Full pay":"Paga sħiħa","Breastfeeding breaks":"Pawżi għat-treddigħ","Two 30-minute breaks a day until the baby is 6 months old":"Żewġ pawżi ta’ 30 minuta kuljum sakemm it-tarbija jkollha 6 xhur","First 15 days paid by the employer, then INSS sickness benefit (auxílio por incapacidade)":"L-ewwel 15-il jum imħallsa minn min iħaddem, imbagħad benefiċċju tal-mard tal-INSS (auxílio por incapacidade)","100%, then 91% of the average salary (capped)":"100%, imbagħad 91% tas-salarju medju (b’limitu)","Justified absences":"Assenzi ġustifikati","3 days for your wedding, 2 days for a death in the family, 1 day a year for blood donation":"3 ijiem għat-tieġ tiegħek, jumejn għal mewt fil-familja, jum fis-sena għad-donazzjoni tad-demm","Dismissal without just cause":"Tkeċċija mingħajr kawża ġusta","Mutual agreement (art. 484-A CLT)":"Ftehim reċiproku (art. 484-A CLT)","Notice of 30 days plus 3 days per full year of service, up to 90 days (Lei 12.506/2011), usually paid in lieu; a fine of 40% of your FGTS balance paid by the employer; the whole FGTS balance is released; pro-rata 13th salary and holidays with the one-third bonus. Unemployment insurance on top.":"Avviż ta’ 30 jum flimkien ma’ 3 ijiem għal kull sena sħiħa ta’ servizz, sa 90 jum (Lei 12.506/2011), normalment imħallas; multa ta’ 40% tal-bilanċ FGTS tiegħek imħallsa minn min iħaddem; il-bilanċ kollu tal-FGTS jinħeles; it-13-il salarju u l-vaganzi proporzjonali bil-bonus ta’ terz. Flimkien mal-assigurazzjoni tal-qgħad.","Mutual agreement and resignation":"Ftehim reċiproku u riżenja","By agreement (art. 484-A): half the notice, a 20% FGTS fine, 80% of the FGTS balance can be withdrawn, and no unemployment insurance. On resignation you give 30 days’ notice and keep only the pro-rata 13th salary and holidays.":"B’ftehim (art. 484-A): nofs l-avviż, multa FGTS ta’ 20%, 80% tal-bilanċ FGTS jista’ jinġibed, u l-ebda assigurazzjoni tal-qgħad. Fir-riżenja tagħti 30 jum avviż u żżomm biss it-13-il salarju u l-vaganzi proporzjonali.","Unemployment insurance (seguro-desemprego)":"Assigurazzjoni tal-qgħad (seguro-desemprego)","From the average of your last three salaries: 80% up to R$2,222.17, R$1,777.74 + 50% of the excess up to R$3,703.99, and R$2,518.65 above; never below the minimum wage. 4 payments with 12–23 months worked, 5 with 24 or more (first claim).":"Mill-medja tal-aħħar tliet salarji: 80% sa R$2,222.17, R$1,777.74 + 50% tal-eċċess sa R$3,703.99, u R$2,518.65 ’il fuq; qatt taħt il-paga minima. 4 pagamenti bi 12–23 xahar xogħol, 5 b’24 jew aktar (l-ewwel applikazzjoni).","Between R$5,000 and R$7,350 a month the 2026 tax reduction still lowers your IRRF; above R$7,350 the normal table applies.":"Bejn R$5,000 u R$7,350 fix-xahar it-tnaqqis tal-2026 għadu jbaxxi l-IRRF tiegħek; ’il fuq minn R$7,350 tapplika t-tabella normali.","Your FGTS (8% a month) is your money: check the balance in the FGTS app, and on dismissal without cause you also get a 40% fine on it.":"L-FGTS tiegħek (8% fix-xahar) huma flusek: iċċekkja l-bilanċ fl-app tal-FGTS, u f’tkeċċija mingħajr kawża tieħu wkoll multa ta’ 40% fuqu.","Salário-família (R$67.54 per child under 14) is paid only when monthly pay is at most R$1,980.38. Spouses file separate tax returns unless one is declared a dependant.":"Is-salário-família (R$67.54 għal kull tifel taħt l-14) jitħallas biss meta l-paga fix-xahar tkun l-aktar R$1,980.38. Il-miżżewġin jagħmlu dikjarazzjonijiet separati sakemm wieħed ma jiġix iddikjarat bħala dipendent.","Notice in lieu + 40% FGTS fine":"Avviż imħallas + multa FGTS ta’ 40%","120 days at full pay (180 at Empresa Cidadã)":"120 jum b’paga sħiħa (180 ma’ Empresa Cidadã)","5 days (20 at Empresa Cidadã)":"5 ijiem (20 ma’ Empresa Cidadã)","15 days by the employer, then INSS (91%)":"15-il jum minn min iħaddem, imbagħad INSS (91%)","Monthly withholding for one CLT employee without other income; the annual return (declaração) can change the final tax. PLR profit sharing (taxed on its own table), alimony, health and education deductions are not modelled, and employer costs assume a company outside Simples Nacional.":"Żamma ta’ kull xahar għal impjegat CLT wieħed mingħajr dħul ieħor; id-dikjarazzjoni annwali (declaração) tista’ tbiddel it-taxxa finali. Is-sehem mill-profitti PLR (b’tabella tiegħu), il-manteniment u d-deduzzjonijiet tas-saħħa u l-edukazzjoni mhumiex ikkalkulati, u l-ispiża ta’ min iħaddem hija għal kumpanija barra s-Simples Nacional.","Official sources: Receita Federal (IRRF tables, Lei 15.270/2025), Ministério da Previdência Social and INSS (Portaria Interministerial MPS/MF 13/2026), Ministério do Trabalho e Emprego (seguro-desemprego 2026), Planalto (CLT, Decreto 12.797/2025 minimum wage), IBGE.":"Sorsi uffiċjali: Receita Federal (tabelli tal-IRRF, Lei 15.270/2025), Ministério da Previdência Social u INSS (Portaria Interministerial MPS/MF 13/2026), Ministério do Trabalho e Emprego (seguro-desemprego 2026), Planalto (CLT, Decreto 12.797/2025 dwar il-paga minima), IBGE.","INSS on a R$5,000 monthly salary":"INSS fuq salarju ta’ R$5,000 fix-xahar","Maximum monthly INSS for employees":"INSS massimu fix-xahar għall-impjegati","IRRF on a R$4,000 monthly salary":"IRRF fuq salarju ta’ R$4,000 fix-xahar","IRRF on a R$6,000 monthly salary":"IRRF fuq salarju ta’ R$6,000 fix-xahar","Minimum INSS pension (per month)":"Pensjoni minima tal-INSS (fix-xahar)","Pension, man, 30 years, average salary R$4,000":"Pensjoni, raġel, 30 sena, salarju medju R$4,000","Notice after 10 years of service (days)":"Avviż wara 10 snin servizz (jiem)","Unemployment insurance, average salary R$3,000 (per month)":"Assigurazzjoni tal-qgħad, salarju medju R$3,000 (fix-xahar)","Maximum unemployment insurance payment":"Pagament massimu tal-assigurazzjoni tal-qgħad","Salário-família per child (pay up to R$1,980.38)":"Salário-família għal kull tifel (paga sa R$1,980.38)","MEI monthly DAS for services":"DAS fix-xahar tal-MEI għas-servizzi","Lender, title and settlement costs (estimate, about 3% of the loan)":"Spejjeż ta’ min isellef, tat-titolu u tal-għeluq (stima, madwar 3% tas-self)","Mortgage recording tax (New York City, 1.8% / 1.925%)":"Taxxa fuq ir-reġistrazzjoni tal-ipoteka (belt ta’ New York, 1.8% / 1.925%)","Mortgage recording tax (about 1.05%, varies by county)":"Taxxa fuq ir-reġistrazzjoni tal-ipoteka (madwar 1.05%, tvarja skont il-kontea)","Mansion tax 1% (price $1 million or more)":"Mansion tax 1% (prezz ta’ miljun dollaru jew aktar)","Mansion tax 1% (price above $1 million)":"Mansion tax 1% (prezz ’il fuq minn miljun dollaru)","Documentary stamp tax 0.35% + intangible tax 0.2% on the mortgage":"Taxxa tal-boll 0.35% + taxxa fuq assi intanġibbli 0.2% fuq l-ipoteka","Realty transfer tax, buyer’s usual half (1% state + about 1% local, split)":"Taxxa fuq it-trasferiment, in-nofs normali tax-xerrej (1% statali + madwar 1% lokali, maqsuma)","ITBI municipal transfer tax (3% in São Paulo and Rio de Janeiro; 2–3% elsewhere)":"Taxxa muniċipali fuq it-trasferiment ITBI (3% f’São Paulo u Rio de Janeiro; 2–3% band’oħra)","Deed and land registry (escritura e registro, estimate about 1.5%)":"Att u reġistru tal-art (escritura e registro, stima madwar 1.5%)","Mortgage interest on up to $750,000 of debt is deductible if you itemise; it saves tax only on the part of the interest plus state and local taxes (capped at $40,400; property tax estimated at 1.1% of the price) above your standard deduction":"L-imgħax tal-ipoteka fuq dejn sa $750,000 jitnaqqas jekk tagħmel deduzzjonijiet dettaljati; jiffranka taxxa biss fuq il-parti tal-imgħax flimkien mat-taxxi statali u lokali (b’limitu ta’ $40,400; taxxa fuq il-proprjetà stmata għal 1.1% tal-prezz) ’il fuq mid-deduzzjoni standard tiegħek","No tax relief on mortgage interest.":"L-ebda ħelsien mit-taxxa fuq l-imgħax tal-ipoteka.","No binding borrower limits. Conventional loans need at least 3% down (FHA 3.5%), with mortgage insurance below 20%; lenders usually accept total debt payments up to 43–50% of gross income. Conforming loan limit $832,750 in 2026 (up to $1,249,125 in high-cost areas).":"L-ebda limitu vinkolanti għal min jissellef. Is-self konvenzjonali jitlob mill-inqas 3% depożitu (FHA 3.5%), b’assigurazzjoni tas-self taħt l-20%; min isellef normalment jaċċetta ħlasijiet ta’ djun sa 43–50% tad-dħul gross. Limitu tas-self konformi $832,750 fl-2026 (sa $1,249,125 f’żoni għaljin).","Banks finance up to 80% of the value within the SFH (Caixa often 70% for SBPE loans since 2025), and the first payment usually may not exceed 30% of gross family income. FGTS savings can pay the down payment on a first home.":"Il-banek jiffinanzjaw sa 80% tal-valur fis-SFH (il-Caixa spiss 70% għas-self SBPE mill-2025), u l-ewwel pagament normalment ma jistax jaqbeż 30% tad-dħul gross tal-familja. It-tfaddil tal-FGTS jista’ jħallas id-depożitu għall-ewwel dar.","Federal tax, payroll taxes and the 15 state options follow 2026 law; local income taxes outside New York City, itemised deductions and state credits are not modelled.":"It-taxxa federali, it-taxxi fuq il-pagi u l-15-il għażla statali jsegwu l-liġi tal-2026; it-taxxi lokali barra l-belt ta’ New York, id-deduzzjonijiet dettaljati u l-krediti statali mhumiex ikkalkulati.","Monthly withholding (INSS and IRRF) is checked; the annual tax return can change the final tax, and PLR profit sharing is not modelled.":"Iż-żamma ta’ kull xahar (INSS u IRRF) hija ċċekkjata; id-dikjarazzjoni annwali tista’ tbiddel it-taxxa finali, u s-sehem mill-profitti PLR mhuwiex ikkalkulat.","Your earnings are used in today’s money with the 2026 bend points; Social Security indexes past earnings to national wages, so your official estimate at ssa.gov can differ.":"Id-dħul tiegħek jintuża f’dollari tal-lum bil-punti tal-2026; is-Social Security tindiċja d-dħul tal-passat mal-pagi nazzjonali, għalhekk l-istima uffiċjali tiegħek fuq ssa.gov tista’ tvarja.","Transition rules for people insured before November 2019 are not modelled, and the average salary is built from your inputs; check Meu INSS for your official record.":"Ir-regoli tranżitorji għal min kien assigurat qabel Novembru 2019 mhumiex ikkalkulati, u s-salarju medju jinbena mid-data tiegħek; iċċekkja Meu INSS għar-rekord uffiċjali tiegħek.","The weekly unemployment benefit is estimated at about half of your weekly pay up to the state maximum; each state uses its own formula and base period.":"Il-benefiċċju tal-qgħad fil-ġimgħa huwa stmat għal madwar nofs il-paga fil-ġimgħa sal-massimu tal-istat; kull stat għandu l-formula u l-perjodu bażi tiegħu.","The FGTS balance and its 40% fine are estimated from your salary and years of service (8% a month plus about 3% a year); check the FGTS app for your real balance.":"Il-bilanċ tal-FGTS u l-multa ta’ 40% huma stmati mis-salarju u s-snin ta’ servizz (8% fix-xahar flimkien ma’ madwar 3% fis-sena); iċċekkja l-app tal-FGTS għall-bilanċ reali.","Your 401(k)":"Il-401(k) tiegħek","PayAbacus has no accounts and does not send what you type anywhere: all calculations run in your browser.||Your last inputs, language and theme are remembered only in this browser, so you find them next time; clearing your browser data removes them. A shared link or code contains the scenario itself and is seen only by the people you send it to.||Everything the page needs, including its fonts and chart library, is served from this site itself: nothing is loaded from other companies, and there are no cookies, no tracking and no advertising. You can delete what this browser keeps at any time with the button below.":"PayAbacus m’għandux kontijiet u ma jibgħat imkien dak li tikteb: il-kalkoli kollha jsiru fil-browser tiegħek.||L-aħħar dettalji, il-lingwa u t-tema jinżammu biss f’dan il-browser, biex issibhom id-darba li jmiss; jekk tħassar id-dejta tal-browser, jitħassru. Link jew kodiċi maqsum fih ix-xenarju nnifsu u jarah biss min tibagħtulu.||Kull ma teħtieġ il-paġna, inklużi t-tipi tal-ittri u l-librerija tal-graffs, jiġi minn dan is-sit innifsu: xejn ma jitniżżel minn kumpaniji oħra, u m’hemmx cookies, traċċar jew reklami. Tista’ tħassar dak li jżomm dan il-browser meta trid bil-buttuna t’hawn taħt.","Delete the data saved in this browser":"Ħassar id-data maħżuna f’dan il-browser","The data saved in this browser has been deleted.":"Id-data maħżuna f’dan il-browser tħassret.","PayAbacus is a free, non-commercial information website run by a private individual.||Owner and person responsible for the content: {name}, {address}. Email: {email}.||The calculators give estimates based on the published 2026 rules and official sources for each country. They are not tax, legal, financial or investment advice and do not replace an accountant, a lawyer or the competent authority. Rules change and, despite careful checks, mistakes are possible; no liability is accepted for decisions taken on the basis of the results, except where the law provides otherwise.||Links to official websites are given for information; their owners are responsible for their content.||The texts, design and code of PayAbacus are protected by copyright. The fonts and the chart library are used under their open licences (SIL Open Font License and MIT). Greek law applies.":"PayAbacus huwa sit ta’ informazzjoni b’xejn u mhux kummerċjali mmexxi minn persuna privata.||Sid u responsabbli għall-kontenut: {name}, {address}. Email: {email}.||Il-kalkulaturi jagħtu stimi bbażati fuq ir-regoli ppubblikati tal-2026 u sorsi uffiċjali għal kull pajjiż. Mhumiex parir dwar taxxa, liġi, finanzi jew investiment u ma jieħdux post accountant, avukat jew l-awtorità kompetenti. Ir-regoli jinbidlu u, minkejja kontrolli bir-reqqa, jistgħu jkun hemm żbalji; ma tiġi aċċettata l-ebda responsabbiltà għal deċiżjonijiet meħuda fuq il-bażi tar-riżultati, ħlief fejn il-liġi tipprovdi mod ieħor.||Il-links għal siti uffiċjali jingħataw għall-informazzjoni; is-sidien tagħhom huma responsabbli għall-kontenut.||It-testi, id-disinn u l-kodiċi ta’ PayAbacus huma protetti bid-drittijiet tal-awtur. It-tipi tal-ittri u l-librerija tal-graffs jintużaw taħt il-liċenzji miftuħa tagħhom (SIL Open Font License u MIT). Tapplika l-liġi Griega.","Questions, suggestions or a mistake you have found? Write to {email}.||To help us check a case against the official sources, please mention the country, the tab and the numbers you entered. We read every message.":"Mistoqsijiet, suġġerimenti jew sibt żball? Ikteb lil {email}.||Biex tgħinna niċċekkjaw każ mas-sorsi uffiċjali, semmi l-pajjiż, it-tab u l-ammonti li daħħalt. Naqraw kull messaġġ.","Responsible for this website under the GDPR: {name}, {address}, {email}. You can write to this address about your rights, and you can also complain to the Hellenic Data Protection Authority (dpa.gr).":"Responsabbli għal dan is-sit skont il-GDPR: {name}, {address}, {email}. Tista’ tikteb f’dan l-indirizz dwar id-drittijiet tiegħek u tista’ wkoll tressaq ilment lill-Awtorità Griega għall-Protezzjoni tad-Data (dpa.gr).","Spotted a mistake? Report it":"Sibt żball? Irrappurtah","Your email app opens with the details filled in; nothing is sent until you press Send.":"L-app tal-email tiegħek tiftaħ bid-dettalji diġà mimlija; xejn ma jintbagħat sakemm ma tagħfasx Ibgħat.","possible mistake":"żball possibbli","What looks wrong?":"X’jidher ħażin?","What did you expect, and from which official source (a link if possible)?":"X’kont qed tistenna, u skont liema sors uffiċjali (b’link jekk possibbli)?","Tab":"Tab","Language":"Lingwa","Your inputs that differ from the defaults":"Id-data tiegħek li hija differenti mill-valuri standard","none (default values)":"xejn (valuri standard)","Scenario link":"Link tax-xenarju","Report a mistake":"Irrapporta żball","National public holidays on weekdays in 2026":"Btajjel pubbliċi nazzjonali f’jiem tax-xogħol fl-2026","NSW transfer duty on an $800,000 home (not a first home)":"Taxxa tat-trasferiment fi NSW fuq dar ta’ $800,000 (mhux l-ewwel dar)","Victorian land transfer duty on an $800,000 home":"Taxxa tat-trasferiment f’Victoria fuq dar ta’ $800,000","Queensland duty on a $700,000 first home (existing)":"Taxxa tat-trasferiment fi Queensland fuq l-ewwel dar ta’ $700,000 (eżistenti)","Queensland duty on a $700,000 home to live in (not first)":"Taxxa tat-trasferiment fi Queensland fuq dar ta’ $700,000 biex tgħix fiha (mhux l-ewwel)","Medicare levy 2%":"Imposta Medicare 2%","Income tax (2026–27 rates)":"Taxxa fuq id-dħul (rati 2026–27)","HELP study loan repayment (reduces your debt)":"Ħlas lura tas-self tal-istudju HELP (inaqqas id-dejn tiegħek)","Super guarantee 12% paid by your employer on top of your salary":"Super guarantee ta’ 12% imħallsa minn min iħaddmek fuq is-salarju tiegħek","Low income tax offset":"Tnaqqis tat-taxxa għal dħul baxx","part":"parzjali","Set by your award or contract (often 1–4 weeks)":"Stabbilit mill-award jew mill-kuntratt tiegħek (spiss 1–4 ġimgħat)","National Employment Standards minimum":"Minimu tan-National Employment Standards","Notice (+1 week over 45)":"Avviż (+ġimgħa ’l fuq minn 45)","Redundancy pay":"Kumpens għar-redundancy","Australia":"L-Awstralja","I have a HELP study loan":"Għandi self tal-istudju HELP","I have private hospital cover (no Medicare levy surcharge)":"Għandi kopertura privata tal-isptar (bla soprataxxa Medicare)","Super and savings at pension age (today’s money)":"Super u tfaddil fl-età tal-pensjoni (valur tal-lum)","I own my home":"Id-dar tiegħi hija proprjetà tiegħi","My employer has fewer than 15 employees (no NES redundancy pay)":"Min iħaddimni għandu inqas minn 15-il impjegat (bla kumpens NES)","Income tax 2026–27":"Taxxa fuq id-dħul 2026–27","The income year runs from 1 July to 30 June. Residents pay nothing up to $18,200, then 15% to $45,000 (16% until June 2026), 30% to $135,000, 37% to $190,000 and 45% above. The low income tax offset of up to $700 reduces the tax for incomes below $66,667.":"Is-sena tat-taxxa tibda fl-1 ta’ Lulju u tispiċċa fit-30 ta’ Ġunju. Ir-residenti ma jħallsu xejn sa $18,200, imbagħad 15% sa $45,000 (16% sa Ġunju 2026), 30% sa $135,000, 37% sa $190,000 u 45% ’il fuq minn hekk. It-tnaqqis għal dħul baxx ta’ sa $700 inaqqas it-taxxa għal dħul taħt $66,667.","Medicare levy and surcharge":"Imposta Medicare u soprataxxa","The Medicare levy is 2% of taxable income, phased in above $28,011 for singles. Without private hospital cover, singles with income above $105,000 also pay the Medicare levy surcharge of 1%, 1.25% or 1.5% (2026–27 thresholds; families $210,000).":"L-imposta Medicare hija 2% tad-dħul taxxabbli, introdotta gradwalment ’il fuq minn $28,011 għal persuni waħedhom. Mingħajr kopertura privata tal-isptar, persuni waħedhom b’dħul ta’ aktar minn $105,000 iħallsu wkoll is-soprataxxa Medicare ta’ 1%, 1.25% jew 1.5% (limiti 2026–27; familji $210,000).","Super and HELP":"Super u HELP","Your employer pays super guarantee of 12% on top of your salary into your super fund, with each payday from July 2026 (Payday Super), on earnings up to $270,830 a year. A HELP study loan is repaid through the tax system: 15c per $ of income above $69,528, 17c above $129,717, and 10% of all income above $186,050.":"Min iħaddmek iħallas super guarantee ta’ 12% fuq is-salarju tiegħek fil-fond tal-pensjoni tiegħek, minn Lulju 2026 ma’ kull paga (Payday Super), fuq qligħ sa $270,830 fis-sena. Self tal-istudju HELP jitħallas lura permezz tas-sistema tat-taxxa: 15-il ċenteżmu għal kull $ ta’ dħul ’il fuq minn $69,528, 17-il ċenteżmu ’l fuq minn $129,717, u 10% tad-dħul kollu ’l fuq minn $186,050.","Awards and agreements":"Awards u ftehimiet","The National Employment Standards cap ordinary hours at 38 a week plus reasonable additional hours; overtime and penalty rates come from your award or agreement. Most awards pay time and a half for the first 2–3 hours and double time after, with Saturday, Sunday and public holiday penalties (often 25–150% extra) and shift loadings of about 15%.":"In-National Employment Standards jillimitaw is-sigħat ordinarji għal 38 fil-ġimgħa flimkien ma’ sigħat addizzjonali raġonevoli; ir-rati tas-sahra u tal-penali jiġu mill-award jew mill-ftehim tiegħek. Il-biċċa l-kbira tal-awards iħallsu darba u nofs għall-ewwel 2–3 sigħat u d-doppju wara, b’penali għas-Sibt, il-Ħadd u l-btajjel pubbliċi (spiss 25–150% aktar) u allowances tax-shift ta’ madwar 15%.","Overtime is taxed like normal pay. From July 2026 super is paid on qualifying earnings each payday; overtime usually does not attract the super guarantee unless your award says so.":"Is-sahra hija taxxabbli bħall-paga normali. Minn Lulju 2026 is-super titħallas fuq il-qligħ kwalifikanti ma’ kull paga; is-sahra normalment ma ġġibx super guarantee sakemm l-award tiegħek ma jgħidx hekk.","38 h + reasonable extra":"38 siegħa + addizzjonali raġonevoli","Business profit is taxed at the normal rates plus the 2% Medicare levy. The small business income tax offset takes 16% off the tax on that profit, up to $1,000 a year. There is no compulsory super for yourself, but personal contributions can be deducted up to the $32,500 cap. You must register for GST once turnover reaches $75,000; tax is prepaid through quarterly PAYG instalments.":"Il-profitt tan-negozju huwa taxxabbli bir-rati normali flimkien mal-imposta Medicare ta’ 2%. It-tnaqqis tat-taxxa għan-negozji żgħar inaqqas 16% mit-taxxa fuq dak il-profitt, sa $1,000 fis-sena. M’hemmx super obbligatorja għalik innifsek, iżda l-kontribuzzjonijiet personali jistgħu jitnaqqsu sal-limitu ta’ $32,500. Trid tirreġistra għall-GST meta l-fatturat jilħaq $75,000; it-taxxa titħallas bil-quddiem permezz ta’ pagamenti PAYG kull tliet xhur.","Age Pension":"Pensjoni tal-età (Age Pension)","From age 67 for residents with at least 10 years of residence (5 of them in one stretch). It is not based on earnings: the maximum is $1,237.70 a fortnight for a single person and $933.00 each for a couple (from 20 September 2026), reduced by an income test (50c per $ of income above $226 a fortnight, with savings deemed to earn 1.75% / 3.75%) and an assets test ($3 a fortnight per $1,000 above $333,000 for a single homeowner). Rates rise every March and September.":"Mill-età ta’ 67 għar-residenti b’mill-inqas 10 snin ta’ residenza (5 minnhom wara xulxin). Ma tiddependix mill-qligħ: il-massimu huwa $1,237.70 kull ġimagħtejn għal persuna waħedha u $933.00 kull wieħed għal koppja (mill-20 ta’ Settembru 2026), imnaqqsa b’test tad-dħul (50 ċenteżmu għal kull $ ta’ dħul ’il fuq minn $226 kull ġimagħtejn, bit-tfaddil meqjus li jaqla’ 1.75% / 3.75%) u b’test tal-assi ($3 kull ġimagħtejn għal kull $1,000 ’il fuq minn $333,000 għal sid ta’ dar waħdu). Ir-rati jogħlew kull Marzu u Settembru.","Super at retirement":"Super fl-irtirar","Most Australians retire on their super plus a full or part Age Pension. Super can be accessed from 60 once you retire (or at 65), and withdrawals from 60 are tax-free. Your home is not counted in the assets test.":"Il-biċċa l-kbira tal-Awstraljani jirtiraw fuq is-super tagħhom flimkien ma’ Age Pension sħiħa jew parzjali. Is-super tista’ tinġibed mill-età ta’ 60 ladarba tirtira (jew fl-età ta’ 65), u l-ġbid minn 60 huwa ħieles mit-taxxa. Id-dar tiegħek ma tingħaddx fit-test tal-assi.","Super: your employer must pay 12% of your salary into your fund; you can add more by salary sacrifice. Contributions and fund earnings are taxed at up to 15% inside the fund (shown here as 15% of the final balance), and withdrawals after 60 are tax-free. Super is locked until you retire after reaching 60.":"Super: min iħaddmek irid iħallas 12% tas-salarju tiegħek fil-fond tiegħek; tista’ żżid aktar permezz ta’ salary sacrifice. Il-kontribuzzjonijiet u l-qligħ tal-fond huma taxxabbli sa 15% ġewwa l-fond (murija hawn bħala 15% tal-bilanċ finali), u l-ġbid wara 60 huwa ħieles mit-taxxa. Is-super tibqa’ msakkra sakemm tirtira wara li tagħlaq 60.","Australia Day":"Jum l-Awstralja","Anzac Day":"Jum Anzac","King’s Birthday (most states)":"Għeluq is-snin tar-Re (il-biċċa l-kbira tal-istati)","Four weeks of paid annual leave a year for full-time employees (five for some shift workers), accrued with each hour worked; many awards add a 17.5% leave loading. The national public holidays are shown (New Year’s Day, Australia Day and Christmas move to Monday when they fall on a weekend); each state adds its own, such as Labour Day, Easter Saturday and Melbourne Cup Day. Long service leave (about 8.7 weeks after 10 years) is set by state law.":"Erba’ ġimgħat ta’ leave annwali mħallas fis-sena għal impjegati full-time (ħamsa għal xi ħaddiema bix-shifts), akkumulat ma’ kull siegħa ta’ xogħol; ħafna awards iżidu leave loading ta’ 17.5%. Jidhru l-btajjel pubbliċi nazzjonali (l-Ewwel tas-Sena, Jum l-Awstralja u l-Milied jiċċaqilqu għat-Tnejn meta jaħbtu fi tmiem il-ġimgħa); kull stat iżid tiegħu, bħal Labour Day, is-Sibt tal-Għid u Melbourne Cup Day. Il-long service leave (madwar 8.7 ġimgħat wara 10 snin) huwa stabbilit mil-liġi tal-istat.","Parental Leave Pay (government)":"Paga tal-Leave tal-Ġenituri (gvern)","26 weeks (130 days) for a child born from 1 July 2026, shared between parents with 20 days reserved for the partner; income test applies":"26 ġimgħa (130 jum) għal tifel jew tifla mwielda mill-1 ta’ Lulju 2026, maqsuma bejn il-ġenituri b’20 jum riżervati għas-sieħeb; japplika test tad-dħul","$1,004.70 a week (national minimum wage) plus 12% super, taxable":"$1,004.70 fil-ġimgħa (paga minima nazzjonali) flimkien ma’ 12% super, taxxabbli","12 months per parent after 12 months of service, with the right to request 12 more":"12-il xahar għal kull ġenitur wara 12-il xahar servizz, bid-dritt li titlob 12 oħra","Personal / carer’s leave":"Leave personali / tal-carer","10 days a year (pro rata for part-time), unused days roll over":"10 ijiem fis-sena (pro rata għal part-time), il-jiem mhux użati jinġarru","Compassionate and family violence leave":"Leave ta’ kompassjoni u leave għall-vjolenza fil-familja","2 days per occasion (death or serious illness in the family); 10 days a year of family and domestic violence leave":"Jumejn għal kull okkażjoni (mewt jew mard serju fil-familja); 10 ijiem fis-sena ta’ leave għall-vjolenza familjari u domestika","Made redundant (genuine redundancy)":"Magħmul redundant (redundancy ġenwina)","Dismissed (not redundancy, not misconduct)":"Imkeċċi (mhux redundancy, mhux imġiba ħażina)","Notice and redundancy pay":"Avviż u kumpens għar-redundancy","Minimum notice is 1 week (up to 1 year of service), 2 weeks (up to 3), 3 weeks (up to 5) and 4 weeks after that, plus 1 week if you are over 45 with at least 2 years; it can be paid in lieu. When a job is made redundant at an employer with 15 or more employees, NES redundancy pay is 4 weeks after 1 year rising to 16 weeks after 9 years, then 12 weeks from 10 years (long service leave takes over). Unused annual leave is paid out.":"L-avviż minimu huwa ġimgħa (sa sena servizz), ġimagħtejn (sa 3), 3 ġimgħat (sa 5) u 4 ġimgħat wara, flimkien ma’ ġimgħa oħra jekk għandek aktar minn 45 sena b’mill-inqas sentejn; jista’ jitħallas minflok. Meta xogħol isir redundant għand min iħaddem b’15-il impjegat jew aktar, il-kumpens NES huwa 4 ġimgħat wara sena, jitla’ għal 16-il ġimgħa wara 9 snin, imbagħad 12-il ġimgħa minn 10 snin (jieħu f’idejh il-long service leave). Il-leave annwali mhux użat jitħallas.","Tax on termination payments":"Taxxa fuq pagamenti tat-terminazzjoni","A genuine redundancy payment is tax-free up to $13,598 + $6,801 per complete year of service (2026–27). The rest is an employment termination payment taxed at 32% including Medicare (17% from age 60) up to the $270,000 cap and 47% above. Pay in lieu of notice on a dismissal is taxed the same way, with the cap reduced by your other income above $180,000.":"Pagament ta’ redundancy ġenwina huwa ħieles mit-taxxa sa $13,598 + $6,801 għal kull sena sħiħa ta’ servizz (2026–27). Il-bqija huwa pagament tat-terminazzjoni tal-impjieg (ETP) taxxabbli b’32% inkluż Medicare (17% mill-età ta’ 60) sal-limitu ta’ $270,000 u 47% ’il fuq minn hekk. Il-paga minflok l-avviż f’tkeċċija hija taxxabbli bl-istess mod, bil-limitu mnaqqas mid-dħul l-ieħor tiegħek ’il fuq minn $180,000.","JobSeeker Payment":"Pagament JobSeeker","Unemployment support is a flat, means-tested payment, not linked to your previous pay: $824.90 a fortnight for a single person without children (from 20 September 2026). Liquid assets and redundancy pay can delay the first payment by up to several weeks, and leaving a job voluntarily can bring a non-payment period.":"L-għajnuna għall-qgħad hija pagament fiss u soġġett għal test tal-mezzi, mhux marbut mal-paga preċedenti: $824.90 kull ġimagħtejn għal persuna waħedha mingħajr tfal (mill-20 ta’ Settembru 2026). L-assi likwidi u l-kumpens għar-redundancy jistgħu jdewmu l-ewwel pagament b’diversi ġimgħat, u li titlaq minn xogħol volontarjament jista’ jġib perjodu mingħajr pagament.","Without private hospital cover you pay the Medicare levy surcharge; basic hospital cover can cost less than the surcharge at your income.":"Mingħajr kopertura privata tal-isptar tħallas is-soprataxxa Medicare; kopertura bażika tal-isptar tista’ tiswa inqas mis-soprataxxa fid-dħul tiegħek.","Check that your employer pays your 12% super: from July 2026 it must reach your fund within 7 days of each payday, and you can see it in myGov.":"Iċċekkja li min iħaddmek iħallas it-12% super tiegħek: minn Lulju 2026 trid tasal fil-fond tiegħek fi żmien 7 ijiem minn kull paga, u tista’ tarah f’myGov.","Family Tax Benefit is paid by Services Australia based on family income and is not included here. Australians file individual tax returns; the Medicare levy thresholds and surcharge use family income for couples.":"Il-Family Tax Benefit jitħallas minn Services Australia skont id-dħul tal-familja u mhux inkluż hawn. L-Awstraljani jagħmlu dikjarazzjonijiet tat-taxxa individwali; il-limiti u s-soprataxxa Medicare jużaw id-dħul tal-familja għall-koppji.","NES redundancy pay + notice":"Kumpens NES + avviż","26 weeks Parental Leave Pay at the minimum wage + 12 months unpaid":"26 ġimgħa Paga tal-Leave tal-Ġenituri bil-paga minima + 12-il xahar mingħajr ħlas","Shares the 26 weeks (20 days reserved for the partner)":"Jaqsam is-26 ġimgħa (20 jum riżervati għas-sieħeb)","12 months unpaid per parent (can extend to 24)":"12-il xahar mingħajr ħlas għal kull ġenitur (jistgħu jittawlu għal 24)","10 days a year at full pay":"10 ijiem fis-sena b’paga sħiħa","Annual tax for one Australian-resident employee for the 2026–27 income year, with super paid on top of the salary entered. The Medicare levy uses the latest published singles threshold; family thresholds, Family Tax Benefit, salary packaging, fringe benefits, deductions and the seniors offset for workers over pension age are not modelled.":"Taxxa annwali għal impjegat wieħed residenti fl-Awstralja għas-sena tat-taxxa 2026–27, bis-super titħallas fuq is-salarju mdaħħal. L-imposta Medicare tuża l-aħħar limitu ppubblikat għal persuni waħedhom; il-limiti tal-familja, il-Family Tax Benefit, is-salary packaging, il-fringe benefits, it-tnaqqis u t-tnaqqis għall-anzjani li jaħdmu wara l-età tal-pensjoni mhumiex ikkalkulati.","Official sources: Australian Taxation Office (2026–27 tax rates, Medicare levy and surcharge, HELP repayment thresholds, super contribution caps and guarantee, ETP and genuine redundancy limits), Fair Work Ombudsman (National Employment Standards, national minimum wage from 1 July 2026), Services Australia (Age Pension, deeming, JobSeeker and Parental Leave Pay rates from 20 September 2026), Revenue NSW, State Revenue Office Victoria, Queensland Revenue Office, APRA, Australian Bureau of Statistics.":"Sorsi uffiċjali: Australian Taxation Office (rati 2026–27, imposta u soprataxxa Medicare, limiti tal-ħlas lura HELP, limiti u garanzija tas-super, limiti tal-ETP u tar-redundancy ġenwina), Fair Work Ombudsman (National Employment Standards, paga minima nazzjonali mill-1 ta’ Lulju 2026), Services Australia (Age Pension, deeming, JobSeeker u Paga tal-Leave tal-Ġenituri mill-20 ta’ Settembru 2026), Revenue NSW, State Revenue Office Victoria, Queensland Revenue Office, APRA, Australian Bureau of Statistics.","Income tax on $90,000 (2026–27)":"Taxxa fuq id-dħul fuq $90,000 (2026–27)","Income tax + Medicare levy on $60,000":"Taxxa fuq id-dħul + imposta Medicare fuq $60,000","Medicare levy on $29,000 (low-income reduction)":"Imposta Medicare fuq $29,000 (tnaqqis għal dħul baxx)","Medicare levy surcharge, single, $117,000 of income":"Soprataxxa Medicare, persuna waħedha, dħul ta’ $117,000","HELP repayment on $137,064 of repayment income":"Ħlas lura HELP fuq dħul ta’ ħlas lura ta’ $137,064","HELP repayment on $86,380 of repayment income":"Ħlas lura HELP fuq dħul ta’ ħlas lura ta’ $86,380","Concessional contributions cap 2026–27":"Limitu tal-kontribuzzjonijiet konċessjonali 2026–27","Employer super guarantee on a $300,000 salary":"Super guarantee ta’ min iħaddem fuq salarju ta’ $300,000","Full Age Pension, single (per fortnight)":"Age Pension sħiħa, persuna waħedha (kull ġimagħtejn)","Age Pension, single homeowner with $500,000 of super (per fortnight)":"Age Pension, sid ta’ dar waħdu b’$500,000 super (kull ġimagħtejn)","Tax-free genuine redundancy limit, 8 complete years":"Limitu ħieles mit-taxxa tar-redundancy ġenwina, 8 snin sħaħ","NES redundancy pay after 9 years (weeks)":"Kumpens NES wara 9 snin (ġimgħat)","Notice for a 46-year-old with 6 years of service (weeks)":"Avviż għal persuna ta’ 46 sena b’6 snin servizz (ġimgħat)","JobSeeker Payment, single, no children (per fortnight)":"JobSeeker, persuna waħedha mingħajr tfal (kull ġimagħtejn)","Parental Leave Pay, 26 weeks in 2026–27":"Paga tal-Leave tal-Ġenituri, 26 ġimgħa fl-2026–27","Sole trader income tax on $80,000 profit":"Taxxa fuq id-dħul ta’ sole trader fuq profitt ta’ $80,000","New South Wales":"New South Wales","Victoria":"Victoria","Queensland":"Queensland","Conveyancing, searches and registration fees (estimate)":"Konvejanzar, tfittxijiet u miżati tar-reġistrazzjoni (stima)","Transfer duty: first home buyer exemption (NSW, up to $800,000)":"Taxxa tat-trasferiment: eżenzjoni għal min jixtri l-ewwel dar (NSW, sa $800,000)","Transfer duty with the first home buyer concession (NSW, $800,000–$1 million, estimate)":"Taxxa tat-trasferiment bil-konċessjoni għal min jixtri l-ewwel dar (NSW, $800,000–$1 miljun, stima)","Transfer duty (NSW, 2026–27 rates)":"Taxxa tat-trasferiment (NSW, rati 2026–27)","Land transfer duty: first home buyer exemption (Victoria, up to $600,000)":"Taxxa tat-trasferiment tal-art: eżenzjoni għal min jixtri l-ewwel dar (Victoria, sa $600,000)","Land transfer duty with the first home buyer concession (Victoria, $600,000–$750,000, estimate)":"Taxxa tat-trasferiment tal-art bil-konċessjoni għal min jixtri l-ewwel dar (Victoria, $600,000–$750,000, stima)","Land transfer duty, principal place of residence rate (Victoria)":"Taxxa tat-trasferiment tal-art, rata tar-residenza prinċipali (Victoria)","Land transfer duty (Victoria)":"Taxxa tat-trasferiment tal-art (Victoria)","Transfer duty, home concession less the first home concession (Queensland, existing home)":"Taxxa tat-trasferiment, rata tad-dar bla l-konċessjoni tal-ewwel dar (Queensland, dar eżistenti)","Transfer duty, home concession rate (Queensland)":"Taxxa tat-trasferiment, rata tad-dar (Queensland)","No relief for a home you live in; interest is deductible only on an investment property.":"L-ebda ħelsien għal dar li tgħix fiha; l-imgħax jitnaqqas biss fuq proprjetà ta’ investiment.","APRA: banks must test that you can afford the loan at 3 points above its rate, and since 1 February 2026 at most 20% of a bank’s new home loans may be at 6 times income or more. Below a 20% deposit lenders usually charge mortgage insurance, unless you use the government Home Guarantee Scheme (5% deposit, price caps by area).":"APRA: il-banek iridu jittestjaw li tiflaħ is-self b’rata 3 punti ogħla, u mill-1 ta’ Frar 2026 mhux aktar minn 20% tas-self ġdid għad-djar ta’ bank jista’ jkun 6 darbiet id-dħul jew aktar. B’depożitu taħt l-20% is-sellief normalment jitlob assigurazzjoni tas-self, sakemm ma tużax il-Home Guarantee Scheme tal-gvern (depożitu ta’ 5%, limiti tal-prezz skont iż-żona).","Your super":"Is-super tiegħek","Transfer duty on a HUF 60 million home":"Taxxa tat-trasferiment fuq dar ta’ HUF 60 miljun","Mortgage interest relief on CZK 200,000 of interest":"Ħelsien mit-taxxa fuq l-imgħax tas-self tad-dar għal CZK 200,000 imgħax","Social and health insurance 13.78% (up to €2,300 a month)":"Assigurazzjoni soċjali u tas-saħħa 13.78% (sa €2,300 fix-xahar)","Income tax 10%":"Taxxa fuq id-dħul 10%","Employer contributions (about 19%)":"Kontribuzzjonijiet ta’ min iħaddem (madwar 19%)","Self-employed contributions 27.8% (pension + health)":"Kontribuzzjonijiet ta’ min jaħdem għal rasu 27.8% (pensjoni + saħħa)","30 days":"30 jum","indefinite contract (up to 3 months by agreement)":"kuntratt indefinit (sa 3 xhur bi ftehim)","Notice paid in lieu (30 days)":"Avviż imħallas minflok (30 jum)","Compensation while unemployed (up to 1 month’s pay)":"Kumpens waqt il-qgħad (sa xahar paga)","Bulgaria":"Il-Bulgarija","I am in a universal pension fund (UPF, born 1960 or later)":"Jien f’fond tal-pensjoni universali (UPF, imwieled fl-1960 jew wara)","A flat 10% on pay after the employee’s social and health contributions. Bulgaria adopted the euro on 1 January 2026 (1 € = 1.95583 lev). Minimum wage €620.20 a month.":"Rata waħda ta’ 10% fuq il-paga wara l-kontribuzzjonijiet soċjali u tas-saħħa tal-impjegat. Il-Bulgarija adottat l-euro fl-1 ta’ Jannar 2026 (€1 = 1.95583 lev). Paga minima €620.20 fix-xahar.","Social and health insurance":"Assigurazzjoni soċjali u tas-saħħa","Employees pay 13.78%: pension 8.78% (of which 2.2% goes to a universal pension fund for people born from 1960), sickness and maternity 1.4%, unemployment 0.4% and health 3.2%. Employers pay about 19%. Contributions stop above the maximum insurable income of €2,300 a month (from 1 August 2026; €2,111.64 before).":"L-impjegati jħallsu 13.78%: pensjoni 8.78% (li minnha 2.2% imorru f’fond tal-pensjoni universali għal min twieled mill-1960), mard u maternità 1.4%, qgħad 0.4% u saħħa 3.2%. Min iħaddem iħallas madwar 19%. Il-kontribuzzjonijiet jieqfu ’l fuq mid-dħul massimu assigurabbli ta’ €2,300 fix-xahar (mill-1 ta’ Awwissu 2026; qabel €2,111.64).","Labour Code":"Kodiċi tax-Xogħol","Overtime pays at least 50% extra on working days, 75% on weekends and 100% on public holidays; night work pays at least 15% extra. Overtime is limited to 150 hours a year (300 by collective agreement).":"Is-sahra titħallas mill-inqas 50% aktar fil-jiem tax-xogħol, 75% fi tmiem il-ġimgħa u 100% fil-btajjel pubbliċi; ix-xogħol bil-lejl mill-inqas 15% aktar. Is-sahra hija limitata għal 150 siegħa fis-sena (300 bi ftehim kollettiv).","Overtime pays contributions and the 10% tax like normal pay, up to the insurable maximum.":"Is-sahra tħallas kontribuzzjonijiet u t-taxxa ta’ 10% bħall-paga normali, sal-massimu assigurabbli.","Freelancers in liberal professions deduct a statutory 25% for expenses and pay 10% tax on the rest after contributions. Contributions of 27.8% (pension and health; sickness and maternity optional) are due on a chosen income between €620.20 and €2,300 a month; here it follows your profit.":"Il-professjonijiet liberi jnaqqsu 25% fissi bħala spejjeż u jħallsu 10% taxxa fuq il-bqija wara l-kontribuzzjonijiet. Kontribuzzjonijiet ta’ 27.8% (pensjoni u saħħa; mard u maternità fakultattivi) jitħallsu fuq dħul magħżul bejn €620.20 u €2,300 fix-xahar; hawn isegwi l-profitt tiegħek.","State pension":"Pensjoni tal-istat","The pension is your average insurable income (relative to the national average) × years of service × 1.35%; each year worked after reaching the right adds 4%. In 2026 women need age 62 years 6 months and 36 years 10 months of service, men 64 years 9 months and 39 years 10 months; ages rise to 65 (men 2029, women 2037). Without enough service, the pension starts at 67 with 15 years.":"Il-pensjoni hija d-dħul assigurat medju tiegħek (meta mqabbel mal-medja nazzjonali) × snin ta’ servizz × 1.35%; kull sena li taħdem wara li tikseb id-dritt iżżid 4%. Fl-2026 in-nisa jeħtieġu età ta’ 62 sena u 6 xhur u 36 sena u 10 xhur servizz, l-irġiel 64 sena u 9 xhur u 39 sena u 10 xhur; l-età togħla għal 65 (irġiel 2029, nisa 2037). Mingħajr biżżejjed servizz, il-pensjoni tibda fl-età ta’ 67 bi 15-il sena.","Limits and the second pillar":"Limiti u t-tieni pilastru","Minimum pension €347.51 from 1 July 2026 (€295.38 with incomplete service), maximum €1,738.40. People born from 1960 also save 5% in a universal pension fund (UPF); their state pension is reduced for those years and the fund pays a separate pension. Pensions are not taxed.":"Pensjoni minima €347.51 mill-1 ta’ Lulju 2026 (€295.38 b’servizz mhux komplut), massima €1,738.40. Min twieled mill-1960 ifaddal ukoll 5% f’fond tal-pensjoni universali (UPF); il-pensjoni tal-istat tagħhom titnaqqas għal dawk is-snin u l-fond iħallas pensjoni separata. Il-pensjonijiet mhumiex taxxabbli.","Voluntary pension fund (third pillar): contributions are deductible up to 10% of taxable income; payouts as a pension from retirement age are not taxed. Money taken out early loses the relief.":"Fond tal-pensjoni volontarju (it-tielet pilastru): il-kontribuzzjonijiet jitnaqqsu sa 10% tad-dħul taxxabbli; il-ħlasijiet bħala pensjoni mill-età tal-irtirar mhumiex taxxabbli. Il-flus meħuda kmieni jitilfu l-benefiċċju.","St George’s Day":"Jum San Ġorġ","Day of Culture and Slavonic Alphabet":"Jum il-Kultura u l-Alfabet Slaviku","Unification Day":"Jum l-Għaqda","Christmas Eve":"Lejlet il-Milied","Second day of Christmas":"It-tieni jum tal-Milied","Good Friday (Orthodox)":"Il-Ġimgħa l-Kbira (ortodossa)","Holy Saturday":"Is-Sibt Qaddis","At least 20 working days of paid annual leave (more for some jobs and for people with disabilities). Public holidays follow the Orthodox Easter; a holiday on a weekend moves to the next working day.":"Mill-inqas 20 jum tax-xogħol ta’ leave annwali mħallas (aktar għal xi xogħlijiet u għal persuni b’diżabilità). Il-btajjel pubbliċi jsegwu l-Għid ortodoss; btala li taħbat fi tmiem il-ġimgħa tiċċaqlaq għall-jum tax-xogħol ta’ wara.","Pregnancy and birth leave":"Leave tat-tqala u t-twelid","410 days (45 before the birth)":"410 jum (45 qabel it-twelid)","90% of your average insurable income (NOI)":"90% tad-dħul assigurat medju tiegħek (NOI)","Child-raising leave until age 2":"Leave għat-trobbija sal-età ta’ sentejn","After the 410 days, until the child turns 2":"Wara l-410 jum, sakemm it-tifel jagħlaq sentejn","Fixed monthly benefit (NOI)":"Benefiċċju fiss fix-xahar (NOI)","15 days from the birth; up to 2 months more after the child is 6 months old":"15-il jum mit-twelid; sa xahrejn oħra meta t-tifel ikollu 6 xhur","90% of average insurable income":"90% tad-dħul assigurat medju","First 3 days paid by the employer, then by NOI":"L-ewwel 3 ijiem imħallsa minn min iħaddem, imbagħad min-NOI","70%, then 80% of average insurable income":"70%, imbagħad 80% tad-dħul assigurat medju","Dismissed: closure or staff cuts":"Imkeċċi: għeluq jew tnaqqis tal-istaff","Ending at retirement age":"Tmiem fl-età tal-irtirar","Notice and compensation":"Avviż u kumpens","An indefinite contract ends with 30 days’ notice (up to 3 months by agreement); notice not given is paid. After dismissal for closure or staff cuts the employer pays up to one month’s pay while you are unemployed. On leaving at retirement age you get 2 months’ pay, or 6 months with 10 years at the same employer. Unused leave is paid.":"Kuntratt indefinit jintemm b’30 jum avviż (sa 3 xhur bi ftehim); l-avviż li ma jingħatax jitħallas. Wara tkeċċija minħabba għeluq jew tnaqqis tal-istaff, min iħaddem iħallas sa xahar paga waqt li tkun bla xogħol. Meta titlaq fl-età tal-irtirar tieħu xahrejn paga, jew 6 xhur b’10 snin mal-istess min iħaddem. Il-leave mhux użat jitħallas.","60% of your average daily insurable income over the last 24 months, within a daily minimum and maximum set each year (about €9.21 and €54.78 in 2026), for 4 to 12 months depending on years insured. After resigning you get only the minimum for 4 months.":"60% tad-dħul assigurat ta’ kuljum medju tiegħek tal-aħħar 24 xahar, fil-limiti minimi u massimi ta’ kuljum stabbiliti kull sena (madwar €9.21 u €54.78 fl-2026), għal 4 sa 12-il xahar skont is-snin assigurati. Wara li tirriżenja tieħu biss il-minimu għal 4 xhur.","Contributions stop above €2,300 a month, so on a higher salary only the 10% tax applies to the extra.":"Il-kontribuzzjonijiet jieqfu ’l fuq minn €2,300 fix-xahar, allura fuq salarju ogħla l-eċċess iħallas biss it-taxxa ta’ 10%.","Tax relief for children and monthly child benefits (income-tested) are not included. Bulgaria taxes each person separately.":"Il-ħelsien mit-taxxa għat-tfal u l-benefiċċji tat-tfal ta’ kull xahar (skont id-dħul) mhumiex inklużi. Il-Bulgarija ttaxxa lil kull persuna separatament.","Notice in lieu + 1 month while unemployed":"Avviż minflok + xahar waqt il-qgħad","410 days at 90% of pay, then a fixed benefit to age 2":"410 jum b’90% tal-paga, imbagħad benefiċċju fiss sal-età ta’ sentejn","15 days at 90% (+2 months later)":"15-il jum b’90% (+xahrejn wara)","Until age 2 with a fixed benefit":"Sal-età ta’ sentejn b’benefiċċju fiss","70% for 3 days, then 80% (NOI)":"70% għal 3 ijiem, imbagħad 80% (NOI)","Annual tax and contributions for one employee with the 2026 rates, using the €2,300 contribution ceiling that applies from August. Child tax relief, other deductions and the work-accident rate of your employer are not modelled.":"Taxxa u kontribuzzjonijiet annwali għal impjegat wieħed bir-rati tal-2026, bil-limitu ta’ kontribuzzjoni ta’ €2,300 li japplika minn Awwissu. Il-ħelsien għat-tfal, tnaqqis ieħor u r-rata tal-inċidenti tax-xogħol ta’ min iħaddmek mhumiex ikkalkulati.","Official sources: National Social Security Institute (NOI: contribution table, pension rules, average insurable income), National Revenue Agency, Labour Code, Council of Ministers Decree 243/2025 (minimum wage), Bulgarian National Bank, Eurostat.":"Sorsi uffiċjali: Istitut Nazzjonali tas-Sigurtà Soċjali (NOI: tabella tal-kontribuzzjonijiet, regoli tal-pensjoni, dħul assigurat medju), Aġenzija Nazzjonali tad-Dħul, Kodiċi tax-Xogħol, Digriet tal-Kunsill tal-Ministri 243/2025 (paga minima), Bank Nazzjonali Bulgaru, Eurostat.","Employee contributions on €2,000 a month":"Kontribuzzjonijiet tal-impjegat fuq €2,000 fix-xahar","Maximum monthly employee contributions (from August 2026)":"Kontribuzzjonijiet massimi tal-impjegat fix-xahar (minn Awwissu 2026)","Income tax on €2,000 a month":"Taxxa fuq id-dħul fuq €2,000 fix-xahar","Minimum pension from 1 July 2026":"Pensjoni minima mill-1 ta’ Lulju 2026","Pension, man, 40 years, average insurable income €1,000 (no UPF)":"Pensjoni, raġel, 40 sena, dħul assigurat medju €1,000 (mingħajr UPF)","Women’s pension age in 2026 (years)":"Età tal-pensjoni tan-nisa fl-2026 (snin)","Unemployment insurance 1.6%":"Assigurazzjoni kontra l-qgħad 1.6%","Income tax 22%":"Taxxa fuq id-dħul 22%","Basic exemption (€700 a month)":"Eżenzjoni bażika (€700 fix-xahar)","Employer social tax 33% + unemployment 0.8%":"Taxxa soċjali ta’ min iħaddem 33% + qgħad 0.8%","Social tax 33% (sole proprietor)":"Taxxa soċjali 33% (negozju individwali)","Redundancy compensation from the employer (1 month)":"Kumpens għar-redundancy minn min iħaddem (xahar)","Employment Contracts Act § 97":"Att dwar il-Kuntratti tal-Impjieg § 97","Estonia":"L-Estonja","Funded pension (II pillar)":"Pensjoni fondata (it-II pilastru)","Left the II pillar":"Ħriġt mit-II pilastru","My employer applies my basic exemption":"Min iħaddimni japplika l-eżenzjoni bażika tiegħi","A flat 22% (the planned rise to 24% was cancelled). Everyone has a basic exemption of €700 a month (€8,400 a year), no longer reduced for higher incomes; €776 a month at pension age. Only one employer applies it, on your written application.":"Rata waħda ta’ 22% (iż-żieda ppjanata għal 24% ġiet ikkanċellata). Kulħadd għandu eżenzjoni bażika ta’ €700 fix-xahar (€8,400 fis-sena), li ma tonqosx aktar għal dħul ogħla; €776 fix-xahar fl-età tal-pensjoni. Japplikaha biss min iħaddem wieħed, fuq talba bil-miktub tiegħek.","Employees pay 1.6% unemployment insurance and 2% to the funded pension (4% or 6% by choice, or none after leaving the second pillar). Employers pay 33% social tax (pension and health) and 0.8% unemployment insurance. Minimum wage €946 a month from 1 April 2026.":"L-impjegati jħallsu 1.6% assigurazzjoni kontra l-qgħad u 2% lill-pensjoni fondata (4% jew 6% b’għażla, jew xejn wara li toħroġ mit-tieni pilastru). Min iħaddem iħallas 33% taxxa soċjali (pensjoni u saħħa) u 0.8% assigurazzjoni kontra l-qgħad. Paga minima €946 fix-xahar mill-1 ta’ April 2026.","Employment Contracts Act":"Att dwar il-Kuntratti tal-Impjieg","Overtime is paid at 1.5 times the hourly wage unless compensated with time off; night work (22:00–06:00) pays at least 25% extra and public-holiday work double. Working time may not exceed 48 hours a week on average over 4 months.":"Is-sahra titħallas 1.5 darbiet il-paga fis-siegħa sakemm ma tiġix ikkumpensata b’ħin liberu; ix-xogħol bil-lejl (22:00–06:00) mill-inqas 25% aktar u x-xogħol fil-btajjel id-doppju. Il-ħin tax-xogħol ma jistax jaqbeż medja ta’ 48 siegħa fil-ġimgħa fuq 4 xhur.","48 h / week on average":"48 siegħa / ġimgħa bħala medja","Sole proprietor (FIE)":"Negozju individwali (FIE)","Business profit pays 33% social tax (at least €292.38 a month) and 22% income tax after the basic exemption; social tax is deductible. An entrepreneur account (5% on turnover up to €40,000) is an alternative for small businesses and is not modelled.":"Il-profitt iħallas 33% taxxa soċjali (mill-inqas €292.38 fix-xahar) u 22% taxxa fuq id-dħul wara l-eżenzjoni bażika; it-taxxa soċjali titnaqqas. Kont tal-intraprenditur (5% fuq il-fatturat sa €40,000) huwa alternattiva għan-negozji żgħar u mhux ikkalkulat.","Base part €399.24 plus €10.477 for each year of service before 1999 and for each insurance component since (one component = social tax on an average wage for a year; from 2021 half of it is the same for everyone who earned at least the minimum wage). Values rise every 1 April.":"Parti bażika €399.24 flimkien ma’ €10.477 għal kull sena ta’ servizz qabel l-1999 u għal kull komponent tal-assigurazzjoni minn dakinhar (komponent wieħed = taxxa soċjali fuq paga medja għal sena; mill-2021 nofsha hija l-istess għal kulħadd li qala’ mill-inqas il-paga minima). Il-valuri jogħlew kull 1 ta’ April.","Age and tax":"Età u taxxa","Pension age is 65 in 2026 and is linked to life expectancy from 2027. You need 15 years of service. A flexible pension can start up to 5 years early (−0.4% a month) or later (+0.9% a month). Pensions are taxed at 22% above €776 a month.":"L-età tal-pensjoni hija 65 fl-2026 u se tkun marbuta mal-istennija tal-ħajja mill-2027. Għandek bżonn 15-il sena servizz. Pensjoni flessibbli tista’ tibda sa 5 snin qabel (−0.4% fix-xahar) jew aktar tard (+0.9% fix-xahar). Il-pensjonijiet huma taxxati b’22% ’il fuq minn €776 fix-xahar.","Voluntary third pillar: contributions are deductible up to 15% of income (max €6,000 a year). Withdrawals from age 60 are taxed at 10% (or tax-free as a lifelong annuity); earlier withdrawals at 22%.":"It-tielet pilastru volontarju: il-kontribuzzjonijiet jitnaqqsu sa 15% tad-dħul (massimu €6,000 fis-sena). Il-ġbid mill-età ta’ 60 huwa taxxat b’10% (jew ħieles mit-taxxa bħala annwalità għal għomrok); il-ġbid kmieni b’22%.","Spring Day":"Jum ir-Rebbiegħa","Pentecost":"Għid il-Ħamsin","Day of Restoration of Independence":"Jum ir-Restawr tal-Indipendenza","28 calendar days of paid annual leave (about 20 working days); public holidays falling within the leave extend it. The day before Independence Day, Victory Day, Christmas Eve and New Year’s Day is 3 hours shorter.":"28 jum kalendarju ta’ leave annwali mħallas (madwar 20 jum tax-xogħol); il-btajjel pubbliċi li jaħbtu waqt il-leave itawluh. Il-jum ta’ qabel Jum l-Indipendenza, Jum ir-Rebħa, Lejlet il-Milied u l-Ewwel tas-Sena huwa 3 sigħat iqsar.","Pregnancy and parental leave":"Leave tat-tqala u tal-ġenituri","100 days for the mother, then 475 days of parental benefit shared until the child is 3":"100 jum għall-omm, imbagħad 475 jum ta’ benefiċċju tal-ġenituri maqsum sakemm it-tifel jagħlaq 3 snin","100% of average earnings (capped at 3 times the average wage)":"100% tal-qligħ medju (sa 3 darbiet il-paga medja)","30 days, any time until the child is 3":"30 jum, fi kwalunkwe ħin sakemm it-tifel jagħlaq 3 snin","100% of average earnings":"100% tal-qligħ medju","Child leave":"Leave għat-tfal","10 working days per parent until the child is 14":"10 ijiem tax-xogħol għal kull ġenitur sakemm it-tifel jagħlaq 14-il sena","Paid at the minimum wage":"Imħallas bil-paga minima","The first day is unpaid; then the employer pays and later the Health Insurance Fund":"L-ewwel jum mhux imħallas; imbagħad iħallas min iħaddem u wara l-Fond tal-Assigurazzjoni tas-Saħħa","70% of average earnings":"70% tal-qligħ medju","Made redundant (lay-off)":"Magħmul redundant (tkeċċija)","On redundancy the employer gives 15 days’ notice (under 1 year), 30 days (1–5 years), 60 days (5–10) or 90 days (10+), or pays for the missing days, and pays one month’s average wage as compensation. The Unemployment Insurance Fund adds one month for 5–10 years with the employer and two months for 10 or more.":"F’każ ta’ redundancy min iħaddem jagħti 15-il jum avviż (inqas minn sena), 30 jum (1–5 snin), 60 jum (5–10) jew 90 jum (10+), jew iħallas għall-ġranet nieqsa, u jħallas paga medja ta’ xahar bħala kumpens. Il-Fond tal-Assigurazzjoni kontra l-Qgħad iżid xahar għal 5–10 snin ma’ min iħaddem u xahrejn għal 10 snin jew aktar.","Unemployment insurance benefit":"Benefiċċju tal-assigurazzjoni kontra l-qgħad","After at least 12 months of contributions in 3 years: 60% of your previous average daily wage for the first 100 days and 40% after, for 180 days (270 with 56 months of contributions, 360 with 110). It is taxable. People who resign get only the lower flat unemployment allowance.":"Wara mill-inqas 12-il xahar kontribuzzjonijiet fi 3 snin: 60% tal-paga medja ta’ kuljum preċedenti tiegħek għall-ewwel 100 jum u mbagħad 40%, għal 180 jum (270 b’56 xahar kontribuzzjonijiet, 360 b’110). Huwa taxxabbli. Min jirriżenja jieħu biss l-allowance tal-qgħad fissa u iżgħar.","Without an application, your employer withholds tax from the first euro; you get the €700 monthly exemption back in your annual return.":"Mingħajr talba, min iħaddmek iżomm it-taxxa mill-ewwel euro; l-eżenzjoni ta’ €700 fix-xahar terġa’ tiksibha fid-dikjarazzjoni annwali.","Child allowances from the Social Insurance Board are not included. Estonia taxes each person separately.":"L-allowances tat-tfal tal-Bord tal-Assigurazzjoni Soċjali mhumiex inklużi. L-Estonja ttaxxa lil kull persuna separatament.","Redundancy compensation":"Kumpens għar-redundancy","100 days + 475 days shared at 100% of pay":"100 jum + 475 jum maqsuma b’100% tal-paga","30 days at 100%":"30 jum b’100%","475 days shared until age 3":"475 jum maqsuma sal-età ta’ 3 snin","Day 1 unpaid, then 70%":"L-ewwel jum mhux imħallas, imbagħad 70%","Annual tax for one employee whose employer applies the basic exemption, with the 2026 rates. Additional deductions (training, mortgage interest, donations) and family benefits are not modelled; employer social tax at the minimum base is ignored.":"Taxxa annwali għal impjegat wieħed li min iħaddmu japplika l-eżenzjoni bażika, bir-rati tal-2026. Tnaqqis addizzjonali (taħriġ, imgħax tas-self tad-dar, donazzjonijiet) u benefiċċji tal-familja mhumiex ikkalkulati; it-taxxa soċjali ta’ min iħaddem fuq il-bażi minima mhix ikkunsidrata.","Official sources: Estonian Tax and Customs Board (EMTA tax rates 2026), Social Insurance Board (pension calculation, 1 April 2026 values), Unemployment Insurance Fund (Töötukassa), Employment Contracts Act, Statistics Estonia (average wage 2025), Eesti Pank, Eurostat.":"Sorsi uffiċjali: Bord tat-Taxxa u d-Dwana tal-Estonja (EMTA, rati tal-2026), Bord tal-Assigurazzjoni Soċjali (kalkolu tal-pensjoni, valuri tal-1 ta’ April 2026), Fond tal-Assigurazzjoni kontra l-Qgħad (Töötukassa), Att dwar il-Kuntratti tal-Impjieg, Statistika Estonja (paga medja 2025), Eesti Pank, Eurostat.","Income tax on €2,000 a month (2% funded pension)":"Taxxa fuq id-dħul fuq €2,000 fix-xahar (2% pensjoni fondata)","Basic exemption per year":"Eżenzjoni bażika fis-sena","Employee unemployment insurance on €2,000 a month":"Assigurazzjoni kontra l-qgħad tal-impjegat fuq €2,000 fix-xahar","Pension with 40 average-wage years at 65 (per month)":"Pensjoni b’40 sena bil-paga medja fl-età ta’ 65 (fix-xahar)","Notice for 7 years of service (days)":"Avviż għal 7 snin servizz (jiem)","Social insurance 7.1% (pension 6.5% + sickness 0.6%)":"Assigurazzjoni soċjali 7.1% (pensjoni 6.5% + mard 0.6%)","Health insurance 4.5%":"Assigurazzjoni tas-saħħa 4.5%","Child tax bonus paid to you":"Bonus tat-taxxa għat-tfal imħallas lilek","Income tax 15% / 23% after credits":"Taxxa fuq id-dħul 15% / 23% wara l-krediti","Taxpayer credit":"Kreditu tal-kontribwent","Child tax credits":"Krediti tat-taxxa għat-tfal","Employer contributions 24.8% + 9% health":"Kontribuzzjonijiet ta’ min iħaddem 24.8% + 9% saħħa","Social 29.2% + health 13.5% (self-employed)":"Soċjali 29.2% + saħħa 13.5% (min jaħdem għal rasu)","2 months":"xahrejn","minimum notice period (Labour Code § 51)":"perjodu minimu ta’ avviż (Kodiċi tax-Xogħol § 51)","None (by agreement)":"Xejn (bi ftehim)","Severance pay":"Kumpens għat-tkeċċija","Czechia":"Ir-Repubblika Ċeka","15% on gross pay up to CZK 1,762,812 a year (36 times the average wage) and 23% above, less the taxpayer credit of CZK 30,840. Child credits are CZK 15,204 for the first child, 22,320 for the second and 27,840 for each further child; above the tax they are paid out as a bonus.":"15% fuq il-paga gross sa CZK 1,762,812 fis-sena (36 darba l-paga medja) u 23% ’il fuq minn hekk, nieqes il-kreditu tal-kontribwent ta’ CZK 30,840. Il-krediti għat-tfal huma CZK 15,204 għall-ewwel tifel, 22,320 għat-tieni u 27,840 għal kull tifel ieħor; ’il fuq mit-taxxa jitħallsu bħala bonus.","Insurance":"Assigurazzjoni","Employees pay 7.1% social insurance (up to CZK 2,350,416 a year) and 4.5% health insurance (no cap); employers pay 24.8% and 9%. Average wage for 2026: CZK 48,967; minimum wage CZK 22,400.":"L-impjegati jħallsu 7.1% assigurazzjoni soċjali (sa CZK 2,350,416 fis-sena) u 4.5% assigurazzjoni tas-saħħa (bla limitu); min iħaddem 24.8% u 9%. Paga medja 2026: CZK 48,967; paga minima CZK 22,400.","Overtime pays at least 25% extra (or time off); night work at least 10% and weekend work at least 10% extra; public-holiday work 100% or a day off. Ordered overtime is limited to 150 hours a year (416 by agreement).":"Is-sahra titħallas mill-inqas 25% aktar (jew ħin liberu); ix-xogħol bil-lejl mill-inqas 10% u x-xogħol fi tmiem il-ġimgħa mill-inqas 10% aktar; ix-xogħol fil-btajjel 100% jew jum liberu. Is-sahra ordnata hija limitata għal 150 siegħa fis-sena (416 bi ftehim).","150 h / year ordered":"150 siegħa / sena ordnata","Self-employed (OSVČ)":"Min jaħdem għal rasu (OSVČ)","Profit (income less actual or flat-rate expenses of 40–80%) is taxed at 15% / 23% less the taxpayer credit. Social insurance is 29.2% of 55% of profit (at least CZK 5,720 a month for a main activity) and health insurance 13.5% of 50% of profit (minimum based on half the average wage). A flat-tax regime (paušální daň) is an alternative and is not modelled.":"Il-profitt (dħul nieqes spejjeż reali jew fissi ta’ 40–80%) huwa taxxat b’15% / 23% nieqes il-kreditu tal-kontribwent. L-assigurazzjoni soċjali hija 29.2% ta’ 55% tal-profitt (mill-inqas CZK 5,720 fix-xahar għal attività ewlenija) u l-assigurazzjoni tas-saħħa 13.5% ta’ 50% tal-profitt (minimu bbażat fuq nofs il-paga medja). Reġim ta’ taxxa fissa (paušální daň) huwa alternattiva u mhux ikkalkulat.","Basic amount CZK 4,900 plus a percentage amount: your average earnings are reduced (99% up to CZK 21,546, 26% up to CZK 195,868, nothing above) and each year of insurance adds 1.495% (pensions awarded in 2026; falling to 1.45% and 90% by 2035). Minimum pension CZK 9,800. Pensions rise each January.":"Ammont bażiku CZK 4,900 flimkien ma’ ammont perċentwali: il-qligħ medju tiegħek jitnaqqas (99% sa CZK 21,546, 26% sa CZK 195,868, xejn ’il fuq minn hekk) u kull sena ta’ assigurazzjoni żżid 1.495% (pensjonijiet mogħtija fl-2026; jinżlu għal 1.45% u 90% sal-2035). Pensjoni minima CZK 9,800. Il-pensjonijiet jogħlew kull Jannar.","Age and years":"Età u snin","You need 35 years of insurance. Pension age is 65 for people born up to 1965 and rises by one month per birth year to 67 for those born from 1989. An early pension is possible up to 3 years before with 40 years (reduced 1.5% of the base per 90 days); each 90 days worked after the age adds 1.5%.":"Għandek bżonn 35 sena assigurazzjoni. L-età tal-pensjoni hija 65 għal min twieled sal-1965 u togħla b’xahar għal kull sena tat-twelid sa 67 għal min twieled mill-1989. Pensjoni bikrija hija possibbli sa 3 snin qabel b’40 sena (imnaqqsa b’1.5% tal-bażi kull 90 jum); kull 90 jum xogħol wara l-età jżidu 1.5%.","Supplementary pension savings (doplňkové penzijní spoření): the state adds 20% of monthly contributions between CZK 500 and 1,700, and contributions above that are tax-deductible. A pension paid for at least 10 years is tax-free; a lump sum pays 15% on the returns (shown here as about 5% of the balance).":"Tfaddil supplimentari għall-pensjoni (doplňkové penzijní spoření): l-istat iżid 20% tal-kontribuzzjonijiet ta’ kull xahar bejn CZK 500 u 1,700, u l-kontribuzzjonijiet ’il fuq minn hekk jitnaqqsu mit-taxxa. Pensjoni mħallsa għal mill-inqas 10 snin hija ħielsa mit-taxxa; somma waħda tħallas 15% fuq ir-redditi (hawn madwar 5% tal-bilanċ).","New Year’s Day / Restoration of the Czech State":"L-Ewwel tas-Sena / Restawr tal-Istat Ċek","Saints Cyril and Methodius":"Il-Qaddisin Ċirillu u Metodju","Jan Hus Day":"Jum Jan Hus","Czech Statehood Day":"Jum l-Istat Ċek","Freedom and Democracy Day":"Jum il-Ġlieda għall-Ħelsien u d-Demokrazija","At least 4 weeks of paid annual leave (5 weeks in the public sector, often 5 by collective agreement). Leave is counted in hours since 2021. Public holidays on a weekend are not moved.":"Mill-inqas 4 ġimgħat ta’ leave annwali mħallas (5 ġimgħat fis-settur pubbliku, spiss 5 bi ftehim kollettiv). Il-leave jingħadd fi sigħat mill-2021. Il-btajjel pubbliċi fi tmiem il-ġimgħa ma jiċċaqilqux.","28 weeks (37 for twins), from 6–8 weeks before the birth":"28 ġimgħa (37 għal tewmin), minn 6–8 ġimgħat qabel it-twelid","70% of the reduced daily assessment base (ČSSZ)":"70% tal-bażi ta’ kuljum imnaqqsa (ČSSZ)","2 weeks within 6 weeks of the birth":"Ġimagħtejn fi żmien 6 ġimgħat mit-twelid","70% of the reduced daily base":"70% tal-bażi ta’ kuljum imnaqqsa","Parental leave and allowance":"Leave u allowance tal-ġenituri","Until the child is 3; parental allowance up to CZK 350,000 in total, paid at a chosen pace":"Sakemm it-tifel jagħlaq 3 snin; allowance tal-ġenituri sa CZK 350,000 b’kollox, bir-ritmu li tagħżel","Job protected":"Xogħol protett","First 14 days paid by the employer, then sickness benefit from ČSSZ":"L-ewwel 14-il jum imħallsa minn min iħaddem, imbagħad benefiċċju tal-mard mill-ČSSZ","60% of reduced average earnings, rising to 72% after 60 days":"60% tal-qligħ medju mnaqqas, jitla’ għal 72% wara 60 jum","Dismissed for organisational reasons":"Imkeċċi għal raġunijiet organizzattivi","Ended by agreement for organisational reasons":"Intemm bi ftehim għal raġunijiet organizzattivi","Notice and severance":"Avviż u kumpens għat-tkeċċija","The notice period is at least 2 months for both sides. On dismissal or agreement for organisational reasons, severance pay is one month’s average earnings with under 1 year of service, two months with 1–2 years and three months with 2 years or more (more by collective agreement). Severance is taxed but free of insurance.":"Il-perjodu ta’ avviż huwa mill-inqas xahrejn għaż-żewġ naħat. Fil-każ ta’ tkeċċija jew ftehim għal raġunijiet organizzattivi, il-kumpens huwa qligħ medju ta’ xahar b’inqas minn sena servizz, xahrejn b’1–2 snin u tliet xhur b’sentejn jew aktar (aktar bi ftehim kollettiv). Il-kumpens huwa taxxat iżda ħieles mill-assigurazzjoni.","Unemployment benefit (from 2026)":"Benefiċċju tal-qgħad (mill-2026)","80% of your previous average net earnings at first, then 50% and finally 40%: 5 months under 52, 8 months at 52–57 and 11 months over 57; at most 80% of the national average wage. The amount no longer depends on why the job ended; payments start after the months covered by severance. Benefits are tax-free.":"L-ewwel 80% tal-qligħ nett medju preċedenti tiegħek, imbagħad 50% u fl-aħħar 40%: 5 xhur taħt it-52 sena, 8 xhur bejn 52 u 57 u 11-il xahar ’il fuq minn 57; mhux aktar minn 80% tal-paga medja nazzjonali. L-ammont ma jiddependix aktar mir-raġuni għaliex intemm ix-xogħol; il-ħlasijiet jibdew wara x-xhur koperti mill-kumpens. Il-benefiċċji huma ħielsa mit-taxxa.","A spouse with income under CZK 68,000 a year and a child under 3 gives an extra CZK 24,840 credit (not modelled).":"Konjuġi b’dħul taħt CZK 68,000 fis-sena u tifel taħt it-3 snin jagħtu kreditu addizzjonali ta’ CZK 24,840 (mhux ikkalkulat).","Child tax credits are included in the tax above. Spouses file separately.":"Il-krediti tat-taxxa għat-tfal huma inklużi fit-taxxa ta’ hawn fuq. Il-konjuġi jagħmlu dikjarazzjonijiet separati.","28 weeks at 70% of reduced pay":"28 ġimgħa b’70% tal-paga mnaqqsa","2 weeks at 70%":"Ġimagħtejn b’70%","Until age 3, allowance up to CZK 350,000":"Sal-età ta’ 3 snin, allowance sa CZK 350,000","60% from day 1 (employer for 14 days)":"60% mill-ewwel jum (min iħaddem għal 14-il jum)","Annual tax for one employee with the 2026 rates, the taxpayer credit and child credits. The spouse credit, student and disability credits, and other deductions (mortgage interest, donations, unions) are not modelled.":"Taxxa annwali għal impjegat wieħed bir-rati tal-2026, il-kreditu tal-kontribwent u l-krediti għat-tfal. Il-kreditu tal-konjuġi, tal-istudenti u tad-diżabilità, u tnaqqis ieħor (imgħax tas-self tad-dar, donazzjonijiet, unions), mhumiex ikkalkulati.","Official sources: Czech Social Security Administration (ČSSZ overview of 2026 figures), Labour Office of the Czech Republic (unemployment benefit changes from 1 January 2026), Ministry of Labour and Social Affairs, Financial Administration, Czech National Bank, Eurostat.":"Sorsi uffiċjali: Amministrazzjoni Ċeka tas-Sigurtà Soċjali (ČSSZ, ċifri tal-2026), Uffiċċju tax-Xogħol tar-Repubblika Ċeka (bidliet fil-benefiċċju tal-qgħad mill-1 ta’ Jannar 2026), Ministeru tax-Xogħol u l-Affarijiet Soċjali, Amministrazzjoni Finanzjarja, Bank Nazzjonali Ċek, Eurostat.","Income tax on CZK 50,000 a month, no children":"Taxxa fuq id-dħul fuq CZK 50,000 fix-xahar, mingħajr tfal","Employee insurance on CZK 50,000 a month":"Assigurazzjoni tal-impjegat fuq CZK 50,000 fix-xahar","23% threshold for 2026 (per year)":"Limitu tat-23% għall-2026 (fis-sena)","Pension, 40 years, average earnings CZK 40,000 (awarded 2026)":"Pensjoni, 40 sena, qligħ medju CZK 40,000 (mogħtija fl-2026)","Minimum old-age pension 2026":"Pensjoni minima tax-xjuħija 2026","Severance after 5 years (months of pay)":"Kumpens wara 5 snin (xhur ta’ paga)","Minimum monthly social insurance advance, main activity":"Ħlas bil-quddiem minimu ta’ kull xahar għall-assigurazzjoni soċjali, attività ewlenija","Social security 18.5% (pension 10%, health 7%, labour market 1.5%)":"Sigurtà soċjali 18.5% (pensjoni 10%, saħħa 7%, suq tax-xogħol 1.5%)","Family allowance used against contributions":"Kreditu tal-familja użat kontra l-kontribuzzjonijiet","Personal income tax 15%":"Taxxa fuq id-dħul personali 15%","Family tax allowance (base reduction)":"Kreditu tat-taxxa tal-familja (tnaqqis tal-bażi)","Employer social contribution tax 13%":"Taxxa fuq il-kontribuzzjoni soċjali ta’ min iħaddem 13%","Social security 18.5% + social contribution tax 13%":"Sigurtà soċjali 18.5% + taxxa fuq il-kontribuzzjoni soċjali 13%","Labour Code § 69":"Kodiċi tax-Xogħol § 69","Hungary":"L-Ungerija","Mothers’ income-tax exemption":"Eżenzjoni mit-taxxa fuq id-dħul għall-ommijiet","Not applicable":"Ma japplikax","Mother of 2 children, born 1986 or later":"Omm ta’ 2 itfal, imwielda fl-1986 jew wara","Mother of 3 or more children":"Omm ta’ 3 itfal jew aktar","Income tax and allowances":"Taxxa fuq id-dħul u krediti","A flat 15%. The family allowance reduces the tax base per child each month by HUF 133,340 (1 child), 266,660 each (2 children) or 440,000 each (3 or more) in 2026; whatever cannot be used against tax reduces your contributions. People under 25 pay no income tax on pay up to HUF 715,765 a month, and mothers of three (from October 2025) or of two born from 1986 (from 2026) pay none at all.":"Rata waħda ta’ 15%. Il-kreditu tal-familja jnaqqas il-bażi taxxabbli għal kull tifel kull xahar b’HUF 133,340 (tifel wieħed), 266,660 kull wieħed (2 itfal) jew 440,000 kull wieħed (3 jew aktar) fl-2026; dak li ma jistax jintuża kontra t-taxxa jnaqqas il-kontribuzzjonijiet tiegħek. Min għandu inqas minn 25 sena ma jħallas l-ebda taxxa fuq paga sa HUF 715,765 fix-xahar, u ommijiet ta’ tliet itfal (minn Ottubru 2025) jew ta’ tnejn imwielda mill-1986 (mill-2026) ma jħallsu xejn.","Employees pay 18.5% social security (10% pension, 7% health, 1.5% labour market) with no ceiling; employers pay 13% social contribution tax. Minimum wage HUF 322,800 and guaranteed minimum wage HUF 373,200 a month in 2026.":"L-impjegati jħallsu 18.5% sigurtà soċjali (10% pensjoni, 7% saħħa, 1.5% suq tax-xogħol) bla limitu; min iħaddem iħallas 13% taxxa fuq il-kontribuzzjoni soċjali. Paga minima HUF 322,800 u paga minima garantita HUF 373,200 fix-xahar fl-2026.","Overtime pays 50% extra (or time off), 100% on a rest day without a day off in lieu; shift work after 18:00 pays 30% and night work 15% extra. Overtime is limited to 250 hours a year (up to 400 by agreement).":"Is-sahra titħallas 50% aktar (jew ħin liberu), 100% f’jum ta’ mistrieħ mingħajr jum liberu minflok; ix-xogħol bix-shifts wara s-18:00 30% u x-xogħol bil-lejl 15% aktar. Is-sahra hija limitata għal 250 siegħa fis-sena (sa 400 bi ftehim).","Flat-rate sole trader (átalányadó)":"Negozju individwali b’taxxa fissa (átalányadó)","Income is revenue less a flat 40% cost ratio (80–90% for some trades and shops); income up to half the annual minimum wage is free of tax and contributions. Then 15% income tax, 18.5% social security (at least on the minimum wage) and 13% social contribution tax (at least on 112.5% of it).":"Id-dħul huwa l-fatturat nieqes proporzjon fiss ta’ spejjeż ta’ 40% (80–90% għal xi snajja’ u ħwienet); dħul sa nofs il-paga minima annwali huwa ħieles mit-taxxa u l-kontribuzzjonijiet. Imbagħad 15% taxxa fuq id-dħul, 18.5% sigurtà soċjali (mill-inqas fuq il-paga minima) u 13% taxxa fuq il-kontribuzzjoni soċjali (mill-inqas fuq 112.5% tagħha).","From age 65. The pension is a percentage of your net average monthly earnings since 1988 (revalued): 43% for 15 years, 53% for 20, 63% for 25, 68% for 30, 74% for 36, 80% for 40 and 2% more for each further year. The part of the average above HUF 372,000 counts at 90% and above 421,000 at 80%. Minimum HUF 28,500.":"Mill-età ta’ 65. Il-pensjoni hija perċentwal tal-qligħ nett medju ta’ kull xahar tiegħek mill-1988 (rivalutat): 43% għal 15-il sena, 53% għal 20, 63% għal 25, 68% għal 30, 74% għal 36, 80% għal 40 u 2% aktar għal kull sena oħra. Il-parti tal-medja ’l fuq minn HUF 372,000 tgħodd 90% u ’l fuq minn 421,000 80%. Minimu HUF 28,500.","Pensions rise each January with expected inflation and a 13th monthly pension is paid in February. Women with 40 years of eligible time can retire at any age. Working beyond 65 without drawing the pension adds 0.5% a month. Pensions are not taxed.":"Il-pensjonijiet jogħlew kull Jannar bl-inflazzjoni mistennija u fi Frar titħallas pensjoni tat-13-il xahar. In-nisa b’40 sena ta’ żmien eliġibbli jistgħu jirtiraw f’kull età. Ix-xogħol wara l-65 mingħajr ma tieħu l-pensjoni jżid 0.5% fix-xahar. Il-pensjonijiet mhumiex taxxabbli.","Voluntary pension fund (önkéntes nyugdíjpénztár): the state refunds 20% of contributions into the account (up to HUF 150,000 a year). Money taken at retirement age is tax-free; earlier withdrawals lose the credit.":"Fond tal-pensjoni volontarju (önkéntes nyugdíjpénztár): l-istat iroddlok 20% tal-kontribuzzjonijiet fil-kont (sa HUF 150,000 fis-sena). Il-flus meħuda fl-età tal-irtirar huma ħielsa mit-taxxa; il-ġbid kmieni jitlef il-kreditu.","National Day (1848 revolution)":"Jum Nazzjonali (rivoluzzjoni tal-1848)","1956 Revolution Day":"Jum ir-Rivoluzzjoni tal-1956","20 working days of basic leave plus extra days by age (1 day from 25 rising to 10 days from 45), 2/4/7 days for 1/2/3+ children under 16, and 5 days for young workers under 18. Some bridge days are worked on a Saturday instead.":"20 jum tax-xogħol ta’ leave bażiku flimkien ma’ jiem żejda skont l-età (jum mill-25 sena sa 10 ijiem mill-45), 2/4/7 ijiem għal 1/2/3+ tfal taħt is-16 u 5 ijiem għaż-żgħażagħ taħt it-18. Xi jiem pont jinħadmu minflok is-Sibt.","Maternity leave (CSED)":"Leave tal-maternità (CSED)","24 weeks":"24 ġimgħa","100% of average daily earnings":"100% tal-qligħ medju ta’ kuljum","Childcare fee (GYED)":"Ħlas għall-kura tat-tfal (GYED)","After the 24 weeks until the child is 2":"Wara l-24 ġimgħa, sakemm it-tifel jagħlaq sentejn","70% of earnings (capped)":"70% tal-qligħ (b’limitu)","10 working days within 2 months of the birth":"10 ijiem tax-xogħol fi żmien xahrejn mit-twelid","Extra leave for children":"Leave żejjed għat-tfal","2 days (1 child), 4 (2) or 7 (3+) under 16 each year":"Jumejn (tifel wieħed), 4 (2) jew 7 (3+) taħt is-16 kull sena","15 working days a year paid by the employer, then sickness benefit":"15-il jum tax-xogħol fis-sena mħallsa minn min iħaddem, imbagħad benefiċċju tal-mard","70%, then 50–60%":"70%, imbagħad 50–60%","Dismissed by the employer (not for misconduct)":"Imkeċċi minn min iħaddem (mhux għal imġiba ħażina)","Notice is 30 days plus 5 days after 3 years, 15 after 5, 20 after 8, 25 after 10, 30 after 15, 40 after 18 and 60 after 20 years; at least half of it is free from work with pay. Severance is 1 month after 3 years, 2 after 5, 3 after 10, 4 after 15, 5 after 20 and 6 after 25 years, with up to 3 months more within 5 years of pension age.":"L-avviż huwa 30 jum flimkien ma’ 5 ijiem wara 3 snin, 15 wara 5, 20 wara 8, 25 wara 10, 30 wara 15, 40 wara 18 u 60 wara 20 sena; mill-inqas nofsu huwa ħieles mix-xogħol bil-ħlas. Il-kumpens huwa xahar wara 3 snin, 2 wara 5, 3 wara 10, 4 wara 15, 5 wara 20 u 6 wara 25 sena, b’sa 3 xhur aktar fi żmien 5 snin mill-età tal-pensjoni.","Jobseeker’s allowance":"Allowance għal min qed ifittex xogħol","60% of previous average earnings, at most the minimum wage (HUF 322,800 a month in 2026), for one day per 10 days insured in the last 3 years: at most 90 days.":"60% tal-qligħ medju preċedenti, mhux aktar mill-paga minima (HUF 322,800 fix-xahar fl-2026), għal jum għal kull 10 ijiem assigurati fl-aħħar 3 snin: mhux aktar minn 90 jum.","Under 25 you pay no income tax on pay up to HUF 715,765 a month; contributions still apply.":"Taħt il-25 sena ma tħallas l-ebda taxxa fuq paga sa HUF 715,765 fix-xahar; il-kontribuzzjonijiet xorta japplikaw.","If both parents work they can share the family allowance, which helps when one income is too low to use it fully.":"Jekk iż-żewġ ġenituri jaħdmu jistgħu jaqsmu l-kreditu tal-familja, li jgħin meta dħul wieħed huwa baxx wisq biex jużah kollu.","The family tax allowance is included above; the monthly family allowance (családi pótlék) is not. Parents can share the allowance between them.":"Il-kreditu tat-taxxa tal-familja huwa inkluż hawn fuq; l-allowance tal-familja ta’ kull xahar (családi pótlék) mhux. Il-ġenituri jistgħu jaqsmu l-kreditu bejniethom.","24 weeks at 100%, then 70% until age 2":"24 ġimgħa b’100%, imbagħad 70% sal-età ta’ sentejn","10 working days":"10 ijiem tax-xogħol","Until age 3 (GYED to 2, GYES flat to 3)":"Sal-età ta’ 3 snin (GYED sa 2, GYES fiss sa 3)","70% for 15 days, then 50–60%":"70% għal 15-il jum, imbagħad 50–60%","Annual tax for one employee with the 2026 rules, the family allowance (claimed by you alone), the under-25 exemption and the mothers’ exemptions. The first-marriage and personal (disability) allowances and the under-30 mothers’ allowance are not modelled.":"Taxxa annwali għal impjegat wieħed bir-regoli tal-2026, il-kreditu tal-familja (mitlub minnek biss), l-eżenzjoni taħt il-25 u l-eżenzjonijiet tal-ommijiet. Il-krediti tal-ewwel żwieġ u personali (diżabilità) u l-kreditu tal-ommijiet taħt it-30 mhumiex ikkalkulati.","Official sources: National Tax and Customs Administration (NAV: tax-base allowances 2026), Hungarian State Treasury (pension calculation), Government Decree 426/2025 (minimum wages), Labour Code, Magyar Nemzeti Bank, Eurostat.":"Sorsi uffiċjali: Amministrazzjoni Nazzjonali tat-Taxxa u d-Dwana (NAV, krediti 2026), Teżor tal-Istat Ungeriż (kalkolu tal-pensjoni), Digriet tal-Gvern 426/2025 (pagi minimi), Kodiċi tax-Xogħol, Magyar Nemzeti Bank, Eurostat.","Net pay on HUF 700,000 a month, no children":"Paga netta fuq HUF 700,000 fix-xahar, mingħajr tfal","Monthly tax saving of the family allowance, 2 children":"Iffrankar tat-taxxa ta’ kull xahar mill-kreditu tal-familja, 2 itfal","Income tax at age 23 on HUF 600,000 a month":"Taxxa fuq id-dħul fl-età ta’ 23 fuq HUF 600,000 fix-xahar","Pension, 40 years, net average HUF 500,000 (gross 751,880)":"Pensjoni, 40 sena, nett medju HUF 500,000 (gross 751,880)","Severance after 12 years at age 45 (months)":"Kumpens wara 12-il sena fl-età ta’ 45 (xhur)","Notice after 16 years (days)":"Avviż wara 16-il sena (jiem)","Local transfer tax (0.1–3% set by each municipality; 3% used, as in Sofia)":"Taxxa lokali tat-trasferiment (0.1–3% stabbilita minn kull muniċipalità; użat 3%, bħal f’Sofija)","Notary, registry and agency fees (estimate, about 1%)":"Drittijiet tan-nutar, tar-reġistru u tal-aġenzija (stima, madwar 1%)","No transfer tax; notary fee and land-registry state fee (estimate, about 0.6%)":"L-ebda taxxa tat-trasferiment; drittijiet tan-nutar u tar-reġistru tal-art (stima, madwar 0.6%)","Real estate acquisition tax (abolished in 2020)":"Taxxa fuq l-akkwist ta’ proprjetà (imħassra fl-2020)","Land registry entry fee":"Miżata tal-iskrizzjoni fir-reġistru tal-art","Valuation, contract and escrow (estimate)":"Valutazzjoni, kuntratt u depożitu (stima)","Transfer duty 2% (first home under 35, value up to HUF 15 million: half the 4%)":"Taxxa tat-trasferiment 2% (l-ewwel dar taħt il-35, valur sa HUF 15-il miljun: nofs l-4%)","Property transfer duty 4%":"Taxxa tat-trasferiment tal-proprjetà 4%","Lawyer and land registry (estimate, about 1%)":"Avukat u reġistru tal-art (stima, madwar 1%)","Mortgage interest is deductible from the tax base up to CZK 150,000 a year per household (loans from 2021), worth 15%":"L-imgħax tas-self tad-dar jitnaqqas mill-bażi taxxabbli sa CZK 150,000 fis-sena għal kull familja (self mill-2021), b’valur ta’ 15%","Not modelled: only young married couples (under 35) with a child can deduct interest on the first €51,129 of a loan for their only home.":"Mhux ikkalkulat: biss koppji miżżewġa żgħażagħ (taħt il-35) bi tfal jistgħu jnaqqsu l-imgħax fuq l-ewwel €51,129 ta’ self għall-unika dar tagħhom.","No interest relief is modelled.":"L-ebda ħelsien fuq l-imgħax mhu kkalkulat.","No tax relief on mortgage interest; subsidised loans (such as the 3% Otthon Start loan) are not modelled.":"L-ebda ħelsien mit-taxxa fuq l-imgħax tas-self tad-dar; self issussidjat (bħas-self Otthon Start bi 3%) mhux ikkalkulat.","Bulgarian National Bank, binding since October 2024: loan at most 85% of the value, payments at most 50% of net income, at most 30 years; banks may exceed the limits for a small share of loans.":"Bank Nazzjonali Bulgaru, vinkolanti minn Ottubru 2024: self mhux aktar minn 85% tal-valur, ħlasijiet mhux aktar minn 50% tad-dħul nett, mhux aktar minn 30 sena; il-banek jistgħu jaqbżu l-limiti għal sehem żgħir tas-self.","Eesti Pank: loan at most 85% of the value (90% with a state KredEx guarantee), payments at most 50% of net income at an interest rate of at least 6%, at most 30 years; 15% of loans may exceed.":"Eesti Pank: self mhux aktar minn 85% tal-valur (90% b’garanzija tal-istat KredEx), ħlasijiet mhux aktar minn 50% tad-dħul nett b’rata tal-imgħax ta’ mill-inqas 6%, mhux aktar minn 30 sena; 15% tas-self jista’ jaqbeż.","Czech National Bank: binding loan-to-value limit of 80%, or 90% for buyers under 36 (shown here for first-time buyers); debt and payment ratios are only recommendations.":"Bank Nazzjonali Ċek: limitu vinkolanti ta’ 80% tal-valur, jew 90% għal xerrejja taħt is-36 (muri hawn għal min jixtri l-ewwel dar); il-proporzjonijiet tad-dejn u tal-ħlas huma biss rakkomandazzjonijiet.","Magyar Nemzeti Bank: loan at most 80% of the value (90% for first-time buyers under 41); payments at most 50% of net income (60% for higher incomes with long fixed rates).":"Magyar Nemzeti Bank: self mhux aktar minn 80% tal-valur (90% għal min jixtri l-ewwel dar taħt l-41); ħlasijiet mhux aktar minn 50% tad-dħul nett (60% għal dħul ogħla b’rata fissa twila).","PCC tax on a PLN 600,000 resale home (not a first home)":"Taxxa PCC fuq dar użata ta’ PLN 600,000 (mhux l-ewwel dar)","ZUS social insurance 13.71% (pension 9.76%, disability 1.5%, sickness 2.45%)":"Assigurazzjoni soċjali ZUS 13.71% (pensjoni 9.76%, diżabilità 1.5%, mard 2.45%)","Health insurance 9% (NFZ)":"Assigurazzjoni tas-saħħa 9% (NFZ)","Refund of unused child relief":"Rimbors tal-kreditu għat-tfal mhux użat","Income tax (PIT 12% / 32%)":"Taxxa fuq id-dħul (PIT 12% / 32%)","Youth relief: income exempt under 26":"Ħelsien għaż-żgħażagħ: dħul eżenti taħt is-26","Child tax relief":"Kreditu tat-taxxa għat-tfal","Employer contributions about 20.5%":"Kontribuzzjonijiet ta’ min iħaddem madwar 20.5%","ZUS social insurance + health insurance (sole proprietor)":"Assigurazzjoni soċjali ZUS + assigurazzjoni tas-saħħa (negozju individwali)","2 weeks":"Ġimagħtejn","Severance (odprawa)":"Kumpens għat-tkeċċija (odprawa)","Labour Code art. 36":"Kodiċi tax-Xogħol art. 36","Poland":"Il-Polonja","Tax form":"Forma tat-taxxa","Flat tax 19% (podatek liniowy)":"Taxxa fissa 19% (podatek liniowy)","Tax scale 12% / 32%":"Skala tat-taxxa 12% / 32%","Lump sum on revenue 12% (e.g. IT services)":"Taxxa fissa fuq id-dħul gross 12% (eż. servizzi tal-IT)","My employer has fewer than 20 employees (no statutory severance)":"Min iħaddimni għandu inqas minn 20 impjegat (l-ebda kumpens statutorju)","Income tax (PIT) 2026":"Taxxa fuq id-dħul (PIT) 2026","12% up to PLN 120,000 a year and 32% above, less the tax-reducing amount of PLN 3,600 (a tax-free PLN 30,000). Standard employee costs of PLN 250 a month are deducted. People under 26 pay no PIT on employment income up to PLN 85,528 a year. Child relief: PLN 1,112.04 a year for each of the first two children (for one child only with income up to PLN 112,000), PLN 2,000.04 for the third and PLN 2,700 for each further child; unused relief is refunded up to your contributions.":"12% sa PLN 120,000 fis-sena u 32% ’il fuq minn hekk, nieqes l-ammont li jnaqqas it-taxxa ta’ PLN 3,600 (PLN 30,000 ħielsa mit-taxxa). Jitnaqqsu spejjeż standard ta’ PLN 250 fix-xahar. Min għandu inqas minn 26 sena ma jħallas l-ebda PIT fuq dħul mix-xogħol sa PLN 85,528 fis-sena. Kreditu għat-tfal: PLN 1,112.04 fis-sena għal kull wieħed mill-ewwel żewġt itfal (għal tifel wieħed biss b’dħul sa PLN 112,000), PLN 2,000.04 għat-tielet u PLN 2,700 għal kull tifel ieħor; il-kreditu mhux użat jitħallas lura sal-ammont tal-kontribuzzjonijiet tiegħek.","ZUS and health insurance":"ZUS u assigurazzjoni tas-saħħa","Employees pay 9.76% pension and 1.5% disability contributions up to PLN 282,600 a year (30 times the forecast average wage of PLN 9,420), 2.45% sickness and 9% health insurance on pay after ZUS; the health contribution is no longer deductible. Employers pay about 20.5% (pension 9.76%, disability 6.5%, accident about 1.67%, Labour Fund 2.45%, FGŚP 0.1%). Minimum wage PLN 4,806 a month.":"L-impjegati jħallsu 9.76% kontribuzzjoni għall-pensjoni u 1.5% għad-diżabilità sa PLN 282,600 fis-sena (30 darba l-paga medja prevista ta’ PLN 9,420), 2.45% għall-mard u 9% assigurazzjoni tas-saħħa fuq il-paga wara ż-ZUS; il-kontribuzzjoni tas-saħħa ma titnaqqasx aktar. Min iħaddem iħallas madwar 20.5% (pensjoni 9.76%, diżabilità 6.5%, inċidenti madwar 1.67%, Fond tax-Xogħol 2.45%, FGŚP 0.1%). Paga minima PLN 4,806 fix-xahar.","Overtime pays 50% extra, and 100% at night, on Sundays, on public holidays and on days off; night work adds 20% of the minimum hourly wage. Overtime is limited to 150 hours a year (up to 416 by agreement) and 48 hours a week on average.":"Is-sahra titħallas 50% aktar, u 100% bil-lejl, il-Ħadd, fil-btajjel pubbliċi u fil-jiem liberi; ix-xogħol bil-lejl iżid 20% tal-paga minima fis-siegħa. Is-sahra hija limitata għal 150 siegħa fis-sena (sa 416 bi ftehim) u 48 siegħa fil-ġimgħa bħala medja.","Sole proprietor (JDG)":"Negozju individwali (JDG)","Social ZUS is paid on PLN 5,652.60 a month in 2026 (about PLN 1,788 without the voluntary sickness insurance; reduced rates apply in the first years). Health insurance depends on the tax form: 9% of income on the scale, 4.9% with the 19% flat tax (deductible up to PLN 14,100), or fixed amounts with the lump sum; at least PLN 432.54 a month. VAT and reliefs for starting a business are not modelled.":"Iż-ZUS soċjali jitħallas fuq PLN 5,652.60 fix-xahar fl-2026 (madwar PLN 1,788 mingħajr l-assigurazzjoni volontarja tal-mard; fl-ewwel snin japplikaw rati mnaqqsa). L-assigurazzjoni tas-saħħa tiddependi mill-forma tat-taxxa: 9% tad-dħul fuq l-iskala, 4.9% bit-taxxa fissa ta’ 19% (titnaqqas sa PLN 14,100) jew ammonti fissi bit-taxxa fuq id-dħul gross; mill-inqas PLN 432.54 fix-xahar. Il-VAT u l-ħelsien għall-bidu tan-negozju mhumiex ikkalkulati.","ZUS old-age pension":"Pensjoni tax-xjuħija taż-ZUS","For people born after 1948 the pension is the indexed capital on your ZUS account and sub-account (19.52% of pay) divided by the average further life expectancy at your age (GUS table, e.g. 268.9 months at 60 and 222.7 at 65 from 1 April 2026). Pension age is 60 for women and 65 for men; each year you work longer raises the pension noticeably.":"Għal min twieled wara l-1948 il-pensjoni hija l-kapital indiċjat fuq il-kont u s-sottokont taż-ZUS tiegħek (19.52% tal-paga) diviż bl-istennija medja tal-ħajja li fadal fl-età tiegħek (tabella tal-GUS, eż. 268.9 xahar fl-età ta’ 60 u 222.7 fl-età ta’ 65 mill-1 ta’ April 2026). L-età tal-pensjoni hija 60 għan-nisa u 65 għall-irġiel; kull sena li taħdem aktar tgħolli l-pensjoni b’mod sinifikanti.","Minimum, tax and extras":"Minimu, taxxa u extras","The minimum pension is PLN 1,978.49 from 1 March 2026 (after the 5.3% indexation), with 20 years of contributions for women and 25 for men. Pensions pay 9% health insurance and income tax on the scale. A 13th pension is paid every April and a 14th, income-tested, in the autumn.":"Il-pensjoni minima hija PLN 1,978.49 mill-1 ta’ Marzu 2026 (wara l-indiċjar ta’ 5.3%), b’20 sena ta’ kontribuzzjonijiet għan-nisa u 25 għall-irġiel. Il-pensjonijiet iħallsu 9% assigurazzjoni tas-saħħa u taxxa fuq id-dħul skont l-iskala. Kull April titħallas pensjoni tat-13 u fil-ħarifa waħda tal-14 skont id-dħul.","Employee Capital Plans (PPK): you pay 2% of gross pay and your employer 1.5% (both can go up to 4%); the state adds PLN 250 at the start and PLN 240 a year. From age 60 you can take 25% at once and the rest in at least 120 monthly instalments without capital-gains tax (19% on gains otherwise). You can opt out.":"Pjanijiet Kapitali tal-Impjegati (PPK): tħallas 2% tal-paga gross u min iħaddmek 1.5% (it-tnejn sa 4%); l-istat iżid PLN 250 fil-bidu u PLN 240 fis-sena. Mill-età ta’ 60 tista’ tieħu 25% f’daqqa u l-bqija f’mill-inqas 120 pagament ta’ kull xahar mingħajr taxxa fuq il-qligħ kapitali (inkella 19% fuq il-qligħ). Tista’ toħroġ.","Corpus Christi":"Corpus Christi","20 working days a year with under 10 years of seniority and 26 days after; school and university count towards the 10 years (up to 8 years for a degree). Christmas Eve has been a public holiday since 2025. A public holiday on a Saturday gives you another day off.":"20 jum tax-xogħol fis-sena b’inqas minn 10 snin anzjanità u 26 jum wara; l-edukazzjoni tgħodd għall-10 snin (sa 8 snin għal lawrja). Lejlet il-Milied hija btala pubblika mill-2025. Btala pubblika li taħbat is-Sibt tagħtik jum liberu ieħor.","20 weeks":"20 ġimgħa","100% of pay (or 81.5% for the whole year if chosen up front)":"100% tal-paga (jew 81.5% għas-sena kollha jekk tintgħażel mill-bidu)","41 weeks (9 of them reserved for each parent)":"41 ġimgħa (9 minnhom riżervati għal kull ġenitur)","70% of pay (81.5% with the up-front option)":"70% tal-paga (81.5% bl-għażla mill-bidu)","2 weeks until the child is 1":"Ġimagħtejn sakemm it-tifel jagħlaq sena","100% of pay":"100% tal-paga","800+ child benefit":"Benefiċċju tat-tfal 800+","PLN 800 a month for every child under 18":"PLN 800 fix-xahar għal kull tifel taħt it-18","Not taxed, not income-tested":"Mhux taxxabbli, mingħajr test tad-dħul","First 33 days paid by the employer (14 from age 50), then ZUS sickness benefit":"L-ewwel 33 jum imħallsa minn min iħaddem (14 mill-età ta’ 50), imbagħad benefiċċju tal-mard taż-ZUS","80% of pay (100% in pregnancy)":"80% tal-paga (100% fit-tqala)","Dismissed for reasons not concerning me (redundancy)":"Imkeċċi għal raġunijiet li ma jikkonċernawnix (redundancy)","Dismissed with notice for other reasons":"Imkeċċi b’avviż għal raġunijiet oħra","Notice for an open-ended contract is 2 weeks under 6 months of service, 1 month under 3 years and 3 months after that, for both sides. When an employer with 20 or more staff dismisses you for reasons not concerning you, severance (odprawa) is 1 month’s pay under 2 years, 2 months for 2–8 years and 3 months after 8 years, capped at 15 minimum wages (PLN 72,090). Severance is taxed but free of ZUS.":"L-avviż għal kuntratt indefinit huwa ġimagħtejn taħt is-6 xhur servizz, xahar taħt it-3 snin u 3 xhur wara dan, għaż-żewġ naħat. Meta min iħaddem b’20 impjegat jew aktar ikeċċik għal raġunijiet li ma jikkonċernawkx, il-kumpens (odprawa) huwa paga ta’ xahar taħt is-sentejn, xahrejn għal 2–8 snin u 3 xhur wara 8 snin, b’limitu ta’ 15-il paga minima (PLN 72,090). Il-kumpens huwa taxxabbli iżda ħieles miż-ZUS.","A flat benefit from the labour office after 365 days of work in the last 18 months: PLN 1,783.90 a month for the first 90 days and PLN 1,400.90 after (from 1 June 2026), 20% more with 20 years of work; usually for 6 months. After resigning without a good reason it starts after 90 days.":"Benefiċċju fiss mill-uffiċċju tax-xogħol wara 365 jum xogħol fl-aħħar 18-il xahar: PLN 1,783.90 fix-xahar għall-ewwel 90 jum u wara PLN 1,400.90 (mill-1 ta’ Ġunju 2026), 20% aktar b’20 sena xogħol; normalment għal 6 xhur. Wara riżenja mingħajr raġuni valida jibda wara 90 jum.","Under 26 you pay no PIT on pay up to PLN 85,528 a year (ZUS and health insurance still apply).":"Taħt is-26 ma tħallas l-ebda PIT fuq paga sa PLN 85,528 fis-sena (iż-ZUS u l-assigurazzjoni tas-saħħa xorta japplikaw).","If you commute from another town, employee costs rise to PLN 300 a month (not modelled).":"Jekk tivvjaġġa minn belt oħra, l-ispejjeż standard jitilgħu għal PLN 300 fix-xahar (mhux ikkalkulat).","The 800+ benefit (PLN 800 a month per child under 18) is shown separately from pay. Married couples can file jointly, which lowers the tax when one earns much more than the other (not modelled here).":"Il-benefiċċju 800+ (PLN 800 fix-xahar għal kull tifel taħt it-18) jidher separat mill-paga. Il-koppji miżżewġa jistgħu jagħmlu dikjarazzjoni konġunta, li tnaqqas it-taxxa meta wieħed jaqla’ ħafna aktar mill-ieħor (mhux ikkalkulat hawn).","20 weeks at 100% + 41 weeks parental at 70% (or 81.5% throughout)":"20 ġimgħa b’100% + 41 ġimgħa leave tal-ġenituri b’70% (jew 81.5% għall-perjodu kollu)","2 weeks at 100%":"Ġimagħtejn b’100%","41 weeks shared (9 reserved per parent)":"41 ġimgħa maqsuma (9 riżervati għal kull ġenitur)","80% (employer 33 days, then ZUS)":"80% (min iħaddem 33 jum, imbagħad ZUS)","Annual PIT, ZUS and health insurance for one employee on an employment contract (umowa o pracę) with the 2026 rules and standard costs. Joint filing, the relief for returning emigrants, working pensioners and families with 4+ children, and civil-law contracts are not modelled.":"PIT, ZUS u assigurazzjoni tas-saħħa annwali għal impjegat wieħed b’kuntratt ta’ impjieg (umowa o pracę) bir-regoli tal-2026 u bl-ispejjeż standard. Id-dikjarazzjoni konġunta, il-ħelsien għall-emigranti li jirritornaw, għall-pensjonanti li jaħdmu u għall-familji b’4 itfal jew aktar, u l-kuntratti tad-dritt ċivili mhumiex ikkalkulati.","Official sources: Ministry of Finance (PIT Act, health-contribution deduction limit 2026), ZUS (contribution bases 2026, pension rules, minimum pension), GUS (life expectancy table from 1 April 2026), Ministry of Family, Labour and Social Policy (forecast average wage, minimum wage, unemployment benefit from 1 June 2026), Labour Code, KNF Recommendation S, Eurostat.":"Sorsi uffiċjali: Ministeru tal-Finanzi (Att PIT, limitu tat-tnaqqis tal-kontribuzzjoni tas-saħħa 2026), ZUS (bażijiet tal-kontribuzzjoni 2026, regoli tal-pensjoni, pensjoni minima), GUS (tabella tal-istennija tal-ħajja mill-1 ta’ April 2026), Ministeru tal-Familja, ix-Xogħol u l-Politika Soċjali (paga medja prevista, paga minima, benefiċċju tal-qgħad mill-1 ta’ Ġunju 2026), Kodiċi tax-Xogħol, Rakkomandazzjoni S tal-KNF, Eurostat.","Net pay on PLN 9,000 a month (no children, over 26)":"Paga netta fuq PLN 9,000 fix-xahar (mingħajr tfal, ’il fuq minn 26)","PIT on a tax base of PLN 150,000":"PIT fuq bażi taxxabbli ta’ PLN 150,000","PIT at age 24 on PLN 80,000 a year":"PIT fl-età ta’ 24 fuq PLN 80,000 fis-sena","Child relief for 2 children (per year)":"Kreditu għal 2 itfal (fis-sena)","Maximum employee pension + disability contributions 2026":"Kontribuzzjonijiet massimi tal-impjegat għall-pensjoni + diżabilità 2026","Pension from PLN 500,000 of capital at 65":"Pensjoni minn kapital ta’ PLN 500,000 fl-età ta’ 65","Minimum pension from 1 March 2026":"Pensjoni minima mill-1 ta’ Marzu 2026","Severance after 10 years (months of pay)":"Kumpens wara 10 snin (xhur ta’ paga)","Unemployment benefit, first 90 days (per month)":"Benefiċċju tal-qgħad, l-ewwel 90 jum (fix-xahar)","Sole proprietor social ZUS per month (without sickness)":"ZUS soċjali tan-negozju individwali fix-xahar (mingħajr mard)","800+ benefit, 2 children (per year)":"Benefiċċju 800+, 2 itfal (fis-sena)","Civil-law transactions tax: first home bought on the secondary market is exempt (since 2023)":"Taxxa fuq tranżazzjonijiet tad-dritt ċivili: l-ewwel dar mixtrija fis-suq sekondarju hija eżenti (mill-2023)","Civil-law transactions tax (PCC) 2% (resale home)":"Taxxa fuq tranżazzjonijiet tad-dritt ċivili (PCC) 2% (dar użata)","Notary fee at the maximum tariff + 23% VAT (estimate; often negotiated lower)":"Miżata tan-nutar bit-tariffa massima + 23% VAT (stima; spiss innegozjata orħos)","Land and mortgage register court fees (PLN 200 + 200)":"Miżati tal-qorti għar-reġistru tal-art u tal-ipoteka (PLN 200 + 200)","No relief: the mortgage interest deduction ended for loans taken after 2006.":"L-ebda ħelsien: it-tnaqqis tal-imgħax tas-self tad-dar intemm għal self meħud wara l-2006.","KNF Recommendation S: loan up to 80% of the value, or 90% with extra security such as low-deposit insurance; payments should not exceed 40% of net income (50% for above-average incomes). A state guarantee lets first-time buyers borrow with less own money.":"Rakkomandazzjoni S tal-KNF: self sa 80% tal-valur, jew 90% b’garanzija żejda bħal assigurazzjoni għal depożitu baxx; il-ħlasijiet m’għandhomx jaqbżu 40% tad-dħul nett (50% għal dħul ogħla mill-medja). Garanzija tal-istat tippermetti lil min jixtri l-ewwel dar jissellef b’inqas flus proprji.","Your PPK":"Il-PPK tiegħek","Legal minimum annual leave after 6 months of service":"Leave minimu legali wara 6 xhur servizz","Maximum agent fee on a ¥40 million home":"Kummissjoni massima tal-aġent fuq dar ta’ ¥40 miljun","Housing loan credit on a ¥30 million loan (income ¥8 million)":"Kreditu tat-taxxa fuq self tad-dar ta’ ¥30 miljun (dħul ta’ ¥8 miljun)","Mandatory rest days on weekdays in 2026":"Jiem ta’ mistrieħ obbligatorju fil-ġranet tax-xogħol fl-2026","Legal minimum paid holidays in the first year":"Leave minimu legali fl-ewwel sena","Health insurance 4.925% + care insurance 0.81% + child-support levy 0.115% (Tokyo)":"Assigurazzjoni tas-saħħa 4.925% + assigurazzjoni tal-kura 0.81% + kontribuzzjoni għat-tfal 0.115% (Tokjo)","Health insurance 4.925% + child-support levy 0.115% (Tokyo)":"Assigurazzjoni tas-saħħa 4.925% + kontribuzzjoni għat-tfal 0.115% (Tokjo)","Employees’ pension insurance 9.15%":"Assigurazzjoni tal-pensjoni tal-impjegati 9.15%","Employment insurance 0.5%":"Assigurazzjoni tal-impjieg 0.5%","Income tax (incl. 2.1% reconstruction surtax)":"Taxxa fuq id-dħul (inkl. soprataxxa tar-rikostruzzjoni ta’ 2.1%)","Resident tax 10% (prefecture + city)":"Taxxa tar-residenti 10% (prefettura + belt)","Employment income after the employment income deduction":"Dħul mill-impjieg wara t-tnaqqis għall-impjegati","Bonuses included in your yearly pay":"Bonusijiet inklużi fil-paga annwali tiegħek","Employer social insurance (about 16%)":"Kontribuzzjonijiet soċjali tal-employer (madwar 16%)","Basic pension {k} a month ({y} of 40 years) plus the employees’ pension {h} (5.481/1000 of your average monthly pay up to ¥650,000, times the months insured, in today’s money). The pension starts at 65; from 60 it is cut by 0.4% a month and up to 75 it rises by 0.7% a month (factor {f}). You need 10 years of coverage. Income tax and resident tax are deducted; health and long-term care premiums set by your city (often ¥10,000–20,000 a month) are not.":"Pensjoni bażika ta’ {k} fix-xahar ({y} minn 40 sena) flimkien mal-pensjoni tal-impjegati ta’ {h} (5.481/1000 tal-paga medja fix-xahar sa ¥650,000, immultiplikata bix-xhur assigurati, fi flus tal-lum). Il-pensjoni tibda fil-65; mill-60 titnaqqas b’0.4% fix-xahar u sal-75 tiżdied b’0.7% fix-xahar (fattur {f}). Għandek bżonn 10 snin ta’ kopertura. It-taxxa fuq id-dħul u t-taxxa tar-residenti jitnaqqsu; il-primjums tas-saħħa u tal-kura stabbiliti mill-belt (spiss ¥10,000–20,000 fix-xahar) le.","National pension + national health insurance (Edogawa ward rates)":"Pensjoni nazzjonali + assigurazzjoni nazzjonali tas-saħħa (rati tad-distrett ta’ Edogawa)","30 days (or 30 days’ pay)":"30 jum (jew 30 jum paga)","Labour Standards Act art. 20":"Att dwar l-Istandards tax-Xogħol art. 20","Pay in lieu of 30 days’ notice (taxed as retirement income)":"Paga minflok 30 jum avviż (intaxxata bħala dħul mat-tluq)","2 weeks (Civil Code art. 627), often 1 month by work rules":"2 ġimgħat (Kodiċi Ċivili art. 627), spiss 1 xahar skont ir-regoli tax-xogħol","{y} a day for {d} days (about 50–80% of your daily wage, tax-free){r}":"{y} kuljum għal {d} jum (madwar 50–80% tal-paga ta’ kuljum, ħielsa mit-taxxa){r}",", starting after a 7-day wait and a 1-month restriction":", jibda wara stennija ta’ 7 ijiem u restrizzjoni ta’ 1 xahar","Age when leaving":"Età meta titlaq","Resigned (any age)":"Irriżenjajt (kull età)","Coming of Age Day":"Jum il-Maġġorenni","National Foundation Day":"Jum il-Fondazzjoni Nazzjonali","Emperor’s Birthday":"Għeluq is-snin tal-Imperatur","Vernal Equinox Day":"Ekwinozju tar-rebbiegħa","Shōwa Day":"Jum Shōwa","Constitution Memorial Day":"Jum il-Kostituzzjoni","Greenery Day":"Jum il-Ħdura","Children’s Day":"Jum it-Tfal","Marine Day":"Jum il-Baħar","Mountain Day":"Jum il-Muntanji","Respect for the Aged Day":"Jum ir-Rispett lejn l-Anzjani","Autumnal Equinox Day":"Ekwinozju tal-ħarifa","Sports Day":"Jum l-Isport","Culture Day":"Jum il-Kultura","Labour Thanksgiving Day":"Jum ta’ Radd il-Ħajr għax-Xogħol","Substitute holiday":"Btala sostituta","Citizens’ holiday (between two holidays)":"Btala taċ-ċittadini (bejn żewġ btajjel)","Japan":"Ġappun","National income tax runs from 5% to 45% (5% up to ¥1.95m, 10% to ¥3.3m, 20% to ¥6.95m, 23% to ¥9m, 33% to ¥18m, 40% to ¥40m), plus a 2.1% reconstruction surtax. For 2026 and 2027 the employment income deduction is at least ¥740,000 and the basic deduction is ¥1,040,000 for income up to ¥4.89m (¥670,000 up to ¥6.55m, ¥620,000 above), so pay of up to ¥1.78m is tax-free; the new amounts apply in the year-end adjustment from December 2026. Children under 16 give no deduction (child allowance is paid instead).":"It-taxxa nazzjonali fuq id-dħul tvarja minn 5% sa 45% (5% sa ¥1.95 miljun, 10% sa ¥3.3 miljun, 20% sa ¥6.95 miljun, 23% sa ¥9 miljun, 33% sa ¥18-il miljun, 40% sa ¥40 miljun), flimkien ma’ soprataxxa tar-rikostruzzjoni ta’ 2.1%. Għall-2026 u l-2027 it-tnaqqis għall-impjegati huwa mill-inqas ¥740,000 u t-tnaqqis bażiku ¥1,040,000 għal dħul sa ¥4.89 miljun (¥670,000 sa ¥6.55 miljun, ¥620,000 ’il fuq), għalhekk paga sa ¥1.78 miljun hija ħielsa mit-taxxa; l-ammonti l-ġodda japplikaw fl-aġġustament tal-aħħar tas-sena minn Diċembru 2026. It-tfal taħt is-16-il sena ma jagħtux tnaqqis (minflok jitħallas il-benefiċċju tat-tfal).","Resident tax":"Taxxa tar-residenti","Prefecture and city together take 10% of income after a ¥430,000 basic deduction, plus about ¥5,000 a year per person. It is charged on the previous year’s income and taken from pay from June; this calculator applies it to the same year.":"Il-prefettura u l-belt flimkien jieħdu 10% tad-dħul wara tnaqqis bażiku ta’ ¥430,000, flimkien ma’ madwar ¥5,000 fis-sena għal kull persuna. Tiġi imposta fuq id-dħul tas-sena ta’ qabel u titnaqqas mill-paga minn Ġunju; dan il-kalkolatur japplikaha għall-istess sena.","Employee and employer each pay half of health insurance (9.85% in Tokyo with Kyokai Kenpo from March 2026), care insurance (1.62%, ages 40–64), the new child-support levy (0.23% from April 2026) and employees’ pension (18.3%), on standard monthly pay grades: up to ¥1.39m a month for health and ¥650,000 for pension; bonuses count up to ¥5.73m a year (health) and ¥1.5m a payment (pension). Employment insurance is 0.5% for the employee and 0.85% for the employer.":"L-impjegat u l-employer iħallsu kull wieħed nofs l-assigurazzjoni tas-saħħa (9.85% f’Tokjo mal-Kyokai Kenpo minn Marzu 2026), l-assigurazzjoni tal-kura (1.62%, etajiet 40–64), il-kontribuzzjoni l-ġdida għat-tfal (0.23% minn April 2026) u l-pensjoni tal-impjegati (18.3%), fuq gradi standard ta’ paga fix-xahar: sa ¥1.39 miljun fix-xahar għas-saħħa u ¥650,000 għall-pensjoni; il-bonusijiet jgħoddu sa ¥5.73 miljun fis-sena (saħħa) u ¥1.5 miljun għal kull ħlas (pensjoni). L-assigurazzjoni tal-impjieg hija 0.5% għall-impjegat u 0.85% għall-employer.","Labour Standards Act":"Att dwar l-Istandards tax-Xogħol","Overtime beyond 8 hours a day or 40 a week pays at least 25% extra, and 50% for overtime above 60 hours a month; night work (22:00–05:00) adds 25% and work on the weekly legal day off 35%. With a labour-management agreement (article 36) overtime is limited to 45 hours a month and 360 a year (up to 720 in special cases).":"Is-sahra lil hinn minn 8 sigħat kuljum jew 40 fil-ġimgħa titħallas b’mill-inqas 25% żejjed, u 50% ’il fuq minn 60 siegħa fix-xahar; ix-xogħol bil-lejl (22:00–05:00) iżid 25% u x-xogħol fil-jum legali ta’ mistrieħ fil-ġimgħa 35%. B’ftehim bejn il-ħaddiema u l-maniġment (artiklu 36) is-sahra hija limitata għal 45 siegħa fix-xahar u 360 fis-sena (sa 720 f’każijiet speċjali).","45 h / month, 360 h / year":"45 siegħa / xahar, 360 siegħa / sena","Sole proprietor (kojin jigyō)":"Negozju individwali (kojin jigyō)","You pay the flat national pension (¥17,920 a month from April 2026) and national health insurance set by your city; the Edogawa ward (Tokyo) rates for 2026 are used: 7.83% + 2.84% + 0.27% of income above ¥430,000 plus per-person amounts, and 2.45% more at ages 40–64. With a blue return filed online you deduct ¥650,000. Most services also pay 5% business tax on income above ¥2.9m. Consumption tax applies above ¥10m of sales (not modelled).":"Tħallas il-pensjoni nazzjonali fissa (¥17,920 fix-xahar minn April 2026) u l-assigurazzjoni nazzjonali tas-saħħa tal-belt tiegħek; jintużaw ir-rati tal-2026 tad-distrett ta’ Edogawa (Tokjo): 7.83% + 2.84% + 0.27% tad-dħul ’il fuq minn ¥430,000 flimkien ma’ ammonti għal kull persuna, u 2.45% oħra bejn l-40 u l-64 sena. B’dikjarazzjoni blu mressqa online tnaqqas ¥650,000. Ħafna servizzi jħallsu wkoll 5% taxxa tan-negozju fuq dħul ’il fuq minn ¥2.9 miljun. It-taxxa tal-konsum tapplika ’l fuq minn ¥10 miljun bejgħ (mhux ikkalkulata).","Basic and employees’ pension":"Pensjoni bażika u tal-impjegati","Everyone gets the basic pension: ¥70,608 a month in fiscal year 2026 for 40 years of coverage, less for fewer years (at least 10 needed). Employees add the earnings-related employees’ pension, about 5.481/1000 of average monthly pay (incl. bonuses) for each month insured. Pensions rose 1.9% (basic) and 2.0% (employees’) in April 2026.":"Kulħadd jieħu l-pensjoni bażika: ¥70,608 fix-xahar fis-sena fiskali 2026 għal 40 sena ta’ kopertura, inqas b’inqas snin (mill-inqas 10 meħtieġa). L-impjegati jżidu l-pensjoni tal-impjegati marbuta mal-paga, madwar 5.481/1000 tal-paga medja fix-xahar (inklużi l-bonusijiet) għal kull xahar assigurat. Il-pensjonijiet żdiedu b’1.9% (bażika) u 2.0% (impjegati) f’April 2026.","Age, early and deferred claims":"Età, pensjoni bikrija u differita","The normal age is 65. You can claim from 60 with a cut of 0.4% for each month early (24% at 60) or defer up to 75 for 0.7% more per month (84% at 75). Pensions are taxed after the public pension deduction (at least ¥1.1m from 65).":"L-età normali hija 65. Tista’ titlobha mill-60 bi tnaqqis ta’ 0.4% għal kull xahar qabel (24% fl-60) jew tipposponiha sal-75 b’0.7% aktar fix-xahar (84% fil-75). Il-pensjonijiet huma intaxxati wara t-tnaqqis għall-pensjonijiet pubbliċi (mill-inqas ¥1.1 miljun mill-65).","iDeCo and company DC contributions are fully deductible from income tax and resident tax (not from social insurance). From December 2026 the limit for employees is ¥62,000 a month including your employer’s DC contributions (it was ¥23,000 without a company plan).":"Il-kontribuzzjonijiet għal iDeCo u għall-pjanijiet DC tal-kumpanija jitnaqqsu kollha mit-taxxa fuq id-dħul u mit-taxxa tar-residenti (mhux mis-sigurtà soċjali). Minn Diċembru 2026 il-limitu għall-impjegati huwa ¥62,000 fix-xahar inklużi l-kontribuzzjonijiet DC tal-employer (kien ¥23,000 mingħajr pjan tal-kumpanija).","iDeCo is a personal defined-contribution pension: contributions reduce income and resident tax, gains are tax-free, and the money is locked until 60. Taken as a lump sum it is taxed as retirement income after a deduction of ¥400,000 a year of membership (¥700,000 after 20 years), so most savers pay little or no tax; shown here as tax-free. Gains in a taxable account pay 20.315%.":"iDeCo hija pensjoni personali b’kontribuzzjoni definita: il-kontribuzzjonijiet inaqqsu t-taxxa fuq id-dħul u tar-residenti, il-qligħ huwa ħieles mit-taxxa u l-flus jibqgħu msakkra sal-60. Meħuda f’daqqa hija intaxxata bħala dħul mat-tluq wara tnaqqis ta’ ¥400,000 għal kull sena ta’ sħubija (¥700,000 wara 20 sena), għalhekk il-biċċa l-kbira jħallsu ftit jew xejn; hawn murija bħala ħielsa mit-taxxa. Il-qligħ f’kont intaxxat iħallas 20.315%.","10 days of paid leave after 6 months of service, rising by 1–2 days a year to 20 days after 6½ years; unused days carry over for 2 years, and employers must make sure you take at least 5 days a year. Public holidays falling on a Sunday move to the next working day, and a day between two holidays is also a holiday. Many companies also close from 29 December to 3 January (not a legal holiday).":"10 ijiem leave imħallas wara 6 xhur servizz, jiżdiedu b’1–2 jiem fis-sena sa 20 jum wara 6½ snin; il-jiem mhux użati jinżammu għal sentejn u l-employer irid jiżgura li tieħu mill-inqas 5 ijiem fis-sena. Il-btajjel li jaħbtu nhar ta’ Ħadd jgħaddu għall-jum tax-xogħol ta’ wara, u jum bejn żewġ btajjel huwa wkoll btala. Ħafna kumpaniji jagħlqu wkoll mid-29 ta’ Diċembru sat-3 ta’ Jannar (mhux btala legali).","6 weeks before and 8 weeks after the birth":"6 ġimgħat qabel u 8 ġimgħat wara t-twelid","Two thirds of pay from health insurance, plus a ¥500,000 childbirth lump sum":"Żewġ terzi tal-paga mill-assigurazzjoni tas-saħħa, flimkien ma’ somma f’daqqa tat-twelid ta’ ¥500,000","Childcare leave":"Leave għall-kura tat-tfal","Each parent until the child is 1 (up to 2 without a daycare place); fathers can also take up to 4 weeks in the first 8 weeks":"Kull ġenitur sakemm it-tifel ikollu 1 sena (sa 2 snin mingħajr post fil-childcare); il-missirijiet jistgħu jieħdu wkoll sa 4 ġimgħat fl-ewwel 8 ġimgħat","67% of pay for 180 days, then 50% (tax- and premium-free); 80% for up to 28 days when both parents take leave":"67% tal-paga għal 180 jum, imbagħad 50% (ħieles mit-taxxa u mill-primjums); 80% sa 28 jum meta ż-żewġ ġenituri jieħdu l-leave","Child allowance":"Benefiċċju tat-tfal","¥15,000 a month under 3 and ¥10,000 from 3 to 18 (¥30,000 from the third child), no income limit":"¥15,000 fix-xahar taħt it-3 snin u ¥10,000 minn 3 sa 18 (¥30,000 mit-tielet tifel), mingħajr limitu ta’ dħul","Not taxed, paid every two months":"Mhux intaxxat, jitħallas kull xahrejn","Sickness benefit":"Benefiċċju tal-mard","From the 4th day off sick, for up to 1½ years (no statutory sick pay from the employer)":"Mir-4 jum ta’ mard, sa 1½ sena (l-employer ma jħallasx paga tal-mard skont il-liġi)","Two thirds of pay from health insurance":"Żewġ terzi tal-paga mill-assigurazzjoni tas-saħħa","Dismissed by the employer (company reasons)":"Imkeċċi mill-employer (raġunijiet tal-kumpanija)","Dismissal and notice":"Tkeċċija u avviż","A dismissal needs an objectively reasonable cause, or it is void (Labour Contract Act art. 16). The employer must give 30 days’ notice or 30 days’ average pay. There is no statutory severance pay; many companies pay a retirement allowance under their own rules, which is taxed lightly as retirement income (deduction of ¥400,000 a year of service, ¥700,000 after 20 years, half of the rest taxed).":"Tkeċċija teħtieġ raġuni oġġettivament raġonevoli, inkella hija nulla (Att dwar il-Kuntratti tax-Xogħol art. 16). L-employer irid jagħti 30 jum avviż jew iħallas 30 jum paga medja. M’hemmx kumpens legali għat-tkeċċija; ħafna kumpaniji jħallsu allowance tal-irtirar skont ir-regoli tagħhom, intaxxata ftit bħala dħul mat-tluq (tnaqqis ta’ ¥400,000 għal kull sena ta’ servizz, ¥700,000 wara 20 sena, nofs il-bqija intaxxat).","The basic allowance is 50–80% of your average daily wage of the last 6 months (45–80% at 60–64), from 1 August 2026 between ¥2,562 and ¥9,110 a day depending on age. After a dismissal it lasts 90–330 days by age and years insured; after resigning 90–150 days, starting after a 1-month restriction.":"L-allowance bażika hija 50–80% tal-paga medja ta’ kuljum tal-aħħar 6 xhur (45–80% bejn is-60 u l-64), mill-1 ta’ Awwissu 2026 bejn ¥2,562 u ¥9,110 kuljum skont l-età. Wara tkeċċija ddum 90–330 jum skont l-età u s-snin assigurati; wara riżenja 90–150 jum, wara restrizzjoni ta’ xahar.","Up to ¥1.78m of pay a year there is no income tax in 2026 and 2027.":"Sa ¥1.78 miljun paga fis-sena ma hemmx taxxa fuq id-dħul fl-2026 u l-2027.","iDeCo contributions cut both income tax and resident tax; from December 2026 employees can put in up to ¥62,000 a month.":"Il-kontribuzzjonijiet iDeCo jnaqqsu kemm it-taxxa fuq id-dħul kif ukoll dik tar-residenti; minn Diċembru 2026 l-impjegati jistgħu jpoġġu sa ¥62,000 fix-xahar.","Child allowance is shown separately (¥10,000 a month per child aged 3–18, ¥15,000 under 3, ¥30,000 from the third child). Spouses file separately; the spouse and dependant deductions for a low-earning spouse or children aged 16–22 are not modelled.":"Il-benefiċċju tat-tfal jidher separat (¥10,000 fix-xahar għal kull tifel ta’ 3–18-il sena, ¥15,000 taħt it-3, ¥30,000 mit-tielet tifel). Il-miżżewġin jissottomettu separatament; it-tnaqqis għal konjuġi bi dħul baxx jew tfal ta’ 16–22 sena mhux ikkalkulat.","30 days’ pay in lieu of notice":"30 jum paga minflok avviż","14 weeks at two thirds of pay, then childcare leave at 67% / 50% until age 1":"14-il ġimgħa b’żewġ terzi tal-paga, imbagħad leave għall-kura b’67% / 50% sakemm it-tifel ikollu 1 sena","Up to 4 weeks after the birth at 67% (80% with the 2025 top-up)":"Sa 4 ġimgħat wara t-twelid b’67% (80% biż-żieda tal-2025)","Each parent until the child is 1 (up to 2)":"Kull ġenitur sakemm it-tifel ikollu 1 sena (sa 2 snin)","Two thirds from health insurance from day 4":"Żewġ terzi mill-assigurazzjoni tas-saħħa mir-4 jum","Annual tax and premiums for one employee in Tokyo (Kyokai Kenpo rates) with the 2026 deductions; resident tax is applied to the same year although it is charged a year later. Spouse and dependant deductions, the hometown tax donation (furusato nōzei), housing loan credit in the salary view, company health insurance societies with other rates and the 2026 change from March to April in the premiums are not modelled.":"Taxxa u primjums annwali għal impjegat wieħed f’Tokjo (rati tal-Kyokai Kenpo) bit-tnaqqis tal-2026; it-taxxa tar-residenti hija applikata għall-istess sena għalkemm tiġi imposta sena wara. It-tnaqqis għall-konjuġi u d-dipendenti, id-donazzjoni tat-taxxa lill-bliet (furusato nōzei), il-kreditu għas-self tad-dar fil-veduta tal-paga, il-kaxxi tas-saħħa tal-kumpaniji b’rati oħra u l-bidla fil-primjums ta’ Marzu–April 2026 mhumiex ikkalkulati.","Official sources: National Tax Agency (Tax Answer 1199 basic deduction and 1410 employment income deduction, 2026), Ministry of Finance (FY2026 tax reform outline), Ministry of Internal Affairs and city notices (resident tax), Japan Health Insurance Association (Tokyo premium table from March 2026), Ministry of Health, Labour and Welfare (pension amounts FY2026, employment insurance rate FY2026, basic allowance from 1 August 2026, child allowance, 2025 abridged life table), Japan Pension Service, Edogawa City (national health insurance 2026), Statistics Bureau (Family Income and Expenditure Survey 2025, Housing and Land Survey 2023), Ministry of Land, Infrastructure, Transport and Tourism (housing loan tax credit).":"Sorsi uffiċjali: Aġenzija Nazzjonali tat-Taxxa (Tax Answer 1199 tnaqqis bażiku u 1410 tnaqqis għall-impjegati, 2026), Ministeru tal-Finanzi (riforma tat-taxxa 2026), Ministeru tal-Affarijiet Interni u avviżi tal-bliet (taxxa tar-residenti), Assoċjazzjoni Ġappuniża tal-Assigurazzjoni tas-Saħħa (tabella tal-primjums ta’ Tokjo minn Marzu 2026), Ministeru tas-Saħħa, tax-Xogħol u tal-Benesseri (ammonti tal-pensjoni 2026, rata tal-assigurazzjoni tal-impjieg 2026, allowance bażika mill-1 ta’ Awwissu 2026, benefiċċju tat-tfal, tabella tal-ħajja 2025), Japan Pension Service, Belt ta’ Edogawa (assigurazzjoni nazzjonali tas-saħħa 2026), Uffiċċju tal-Istatistika (stħarriġ tad-dħul u l-infiq tal-familji 2025, stħarriġ tad-djar 2023), Ministeru tal-Art, l-Infrastruttura, it-Trasport u t-Turiżmu (kreditu għas-self tad-dar).","Income tax on a taxable income of ¥5,000,000":"Taxxa fuq id-dħul fuq dħul taxxabbli ta’ ¥5,000,000","Employment income on pay of ¥5,000,000 (2026)":"Dħul mill-impjieg fuq paga ta’ ¥5,000,000 (2026)","Employment income on pay of ¥1,500,000 (2026)":"Dħul mill-impjieg fuq paga ta’ ¥1,500,000 (2026)","Basic deduction 2026, total income ¥3,000,000":"Tnaqqis bażiku 2026, dħul totali ¥3,000,000","Monthly employee premiums on ¥300,000, age 35 (health + child levy + pension)":"Primjums fix-xahar tal-impjegat fuq ¥300,000, età 35 (saħħa + kontribuzzjoni tat-tfal + pensjoni)","Monthly employee premiums on ¥500,000, age 45 (incl. care insurance)":"Primjums fix-xahar tal-impjegat fuq ¥500,000, età 45 (inkl. assigurazzjoni tal-kura)","Maximum monthly employee pension premium":"L-ogħla primjum tal-pensjoni fix-xahar tal-impjegat","Full basic pension, fiscal year 2026 (per month)":"Pensjoni bażika sħiħa, sena fiskali 2026 (fix-xahar)","Daily basic allowance on a daily wage of ¥9,000 (under 60)":"Allowance bażika ta’ kuljum fuq paga ta’ kuljum ta’ ¥9,000 (taħt is-60)","Maximum daily basic allowance, age 30–44":"L-ogħla allowance bażika ta’ kuljum, età 30–44","Benefit days after a dismissal, age 50, 25 years insured":"Jiem ta’ benefiċċju wara tkeċċija, età 50, 25 sena assigurati","Child allowance, 2 children aged 3–18 (per year)":"Benefiċċju tat-tfal, 2 tfal ta’ 3–18-il sena (fis-sena)","National pension contributions, fiscal year 2026 (per year)":"Kontribuzzjonijiet għall-pensjoni nazzjonali, sena fiskali 2026 (fis-sena)","IMSS quota (paid by your employer at the minimum wage)":"Kontribuzzjoni IMSS (titħallas mill-employer fil-paga minima)","IMSS social security, employee share (about 2.4%)":"Sigurtà soċjali IMSS, sehem l-impjegat (madwar 2.4%)","ISR income tax on the monthly salary (after the employment subsidy)":"Taxxa ISR fuq is-salarju ta’ kull xahar (wara s-sussidju tal-impjieg)","ISR on the aguinaldo and bonuses (30 UMA of aguinaldo exempt)":"ISR fuq l-aguinaldo u l-bonusijiet (30 UMA tal-aguinaldo eżenti)","Aguinaldo (year-end bonus) included in your yearly pay":"Aguinaldo (bonus tal-aħħar tas-sena) inkluż fil-paga annwali tiegħek","Vacation premium (25% of 12 holiday days, paid on top)":"Premium tal-vaganzi (25% ta’ 12-il jum leave, imħallas żejjed)","Employment subsidy credited against your ISR (per year)":"Sussidju tal-impjieg ikkreditat kontra l-ISR tiegħek (fis-sena)","Employer IMSS, retirement (SAR) and Infonavit housing 5%":"IMSS tal-employer, irtirar (SAR) u fond tad-djar Infonavit 5%"," You started contributing before July 1997, so you can choose the 1973-law pension instead (based on your last 250 weeks of salary), which is often higher; it is not modelled.":" Bdejt tikkontribwixxi qabel Lulju 1997, għalhekk tista’ tagħżel minflok il-pensjoni tal-liġi tal-1973 (ibbażata fuq l-aħħar 250 ġimgħa ta’ salarju), li spiss tkun ogħla; mhix ikkalkulata.","AFORE account: about {b} saved (2% retirement + the employer’s old-age quota, rising to 2030, + your 1.125%, at a 3% real return), paid as {a} a month over your expected {n} years. You need age 60 (65 for old age) and {w} weeks in {y} (you have about {k}).{f} From 65 everyone also gets the Pensión Bienestar of MXN 3,200 a month (MXN 6,400 every two months).{l}":"Kont AFORE: madwar {b} iffrankati (2% irtirar + il-kontribuzzjoni tax-xjuħija tal-employer, li tiżdied sal-2030, + l-1.125% tiegħek, b’redditu reali ta’ 3%), imħallsa bħala {a} fix-xahar matul is-{n} snin mistennija tiegħek. Għandek bżonn età ta’ 60 (65 għax-xjuħija) u {w} ġimgħa fl-{y} (għandek madwar {k}).{f} Mill-65 kulħadd jieħu wkoll il-Pensión Bienestar ta’ MXN 3,200 fix-xahar (MXN 6,400 kull xahrejn).{l}"," The Pension Fund for Wellbeing tops this up to your last salary ({p}, up to MXN 17,885.85 in 2026).":" Il-Fond tal-Pensjonijiet għall-Benesseri jikkumplimentaha sal-aħħar salarju tiegħek ({p}, sa MXN 17,885.85 fl-2026).","No compulsory social security (voluntary IMSS not included)":"L-ebda sigurtà soċjali obbligatorja (l-IMSS volontarju mhux inkluż)","Constitutional indemnity (3 months of integrated pay)":"Kumpens kostituzzjonali (3 xhur ta’ paga integrata)","20 days per year of service (when the employer refuses reinstatement)":"20 jum għal kull sena ta’ servizz (meta l-employer jirrifjuta li jerġa’ jimpjegak)","Seniority premium (12 days a year, pay capped at 2 minimum wages)":"Premium tal-anzjanità (12-il jum fis-sena, paga limitata għal 2 pagi minimi)","Seniority premium (12 days a year, after 15 years)":"Premium tal-anzjanità (12-il jum fis-sena, wara 15-il sena)","Holidays":"Leave","Dismissal without cause":"Tkeċċija mingħajr raġuni","None required (written notice of the reason)":"Mhux meħtieġ (avviż bil-miktub tar-raġuni)","LFT art. 47":"LFT art. 47","No federal unemployment insurance: you can withdraw part of your AFORE (retiro por desempleo), and Mexico City pays a local unemployment insurance":"L-ebda assigurazzjoni federali tal-qgħad: tista’ tiġbed parti mill-AFORE tiegħek (retiro por desempleo), u l-Belt tal-Messiku tħallas assigurazzjoni tal-qgħad lokali","Mexico":"Messiku","Tax regime":"Sistema tat-taxxa","RESICO simplified regime (1%–2.5% of revenue, up to MXN 3.5m)":"Sistema simplifikata RESICO (1%–2.5% tad-dħul, sa MXN 3.5 miljun)","Business and professional activity (tax on profit)":"Attività kummerċjali u professjonali (taxxa fuq il-profitt)","Include 20 days per year (employer refuses reinstatement)":"Inkludi 20 jum fis-sena (l-employer jirrifjuta li jerġa’ jimpjegak)","ISR income tax 2026":"Taxxa fuq id-dħul ISR 2026","Employers withhold ISR each month with the 2026 tariff (Anexo 8, updated by 13.21% for inflation): 1.92% on the first MXN 844.59 rising to 35% above MXN 425,642 a month. The employment subsidy (MXN 535.65 a month for pay up to MXN 11,492.66) reduces the tax but is not paid out. The aguinaldo is tax-free up to 30 UMA (MXN 3,519.30) and the vacation premium up to 15 UMA.":"L-employers iżommu l-ISR kull xahar bit-tariffa tal-2026 (Anexo 8, aġġornata b’13.21% għall-inflazzjoni): 1.92% fuq l-ewwel MXN 844.59 sa 35% ’il fuq minn MXN 425,642 fix-xahar. Is-sussidju tal-impjieg (MXN 535.65 fix-xahar għal paga sa MXN 11,492.66) inaqqas it-taxxa iżda ma jitħallasx. L-aguinaldo huwa eżenti sa 30 UMA (MXN 3,519.30) u l-premium tal-vaganzi sa 15 UMA.","IMSS, AFORE and Infonavit":"IMSS, AFORE u Infonavit","Contributions use the integrated daily wage (salary plus aguinaldo and vacation premium, capped at 25 UMA = MXN 2,932.75 a day). Employees pay about 2.4% (plus 0.4% above 3 UMA). Employers pay much more: health, disability, childcare, 2% retirement plus an old-age quota rising every year until 2030 (up to 7.513% in 2026), and 5% to Infonavit for housing; states add a payroll tax of about 3%. Minimum wage MXN 315.04 a day (MXN 440.87 in the northern border zone).":"Il-kontribuzzjonijiet jintużaw fuq il-paga integrata ta’ kuljum (salarju flimkien mal-aguinaldo u l-premium tal-vaganzi, b’limitu ta’ 25 UMA = MXN 2,932.75 kuljum). L-impjegati jħallsu madwar 2.4% (flimkien ma’ 0.4% ’il fuq minn 3 UMA). L-employers iħallsu ħafna aktar: saħħa, diżabilità, childcare, 2% irtirar flimkien ma’ kontribuzzjoni tax-xjuħija li tiżdied kull sena sal-2030 (sa 7.513% fl-2026) u 5% lill-Infonavit għad-djar; l-istati jżidu taxxa fuq il-pagi ta’ madwar 3%. Paga minima MXN 315.04 kuljum (MXN 440.87 fiż-żona tal-fruntiera tat-tramuntana).","Aguinaldo and holidays":"Aguinaldo u leave","Every employee gets an aguinaldo of at least 15 days’ pay before 20 December (shown as 12.5 salaries a year; many employers pay 30 days), and a vacation premium of at least 25% of holiday pay.":"Kull impjegat jieħu aguinaldo ta’ mill-inqas 15-il jum paga qabel l-20 ta’ Diċembru (hawn 12.5 salarji fis-sena; ħafna employers iħallsu 30 jum) u premium tal-vaganzi ta’ mill-inqas 25% tal-paga tal-leave.","Federal Labour Law":"Liġi Federali tax-Xogħol","The legal week is 48 hours in 2026; the constitutional reform of March 2026 cuts it by 2 hours a year from 2027 to 40 hours in 2030. The first 9 overtime hours a week (at most 3 a day, 3 times a week) are paid double and any further hours triple; from 2027 up to 12 overtime hours a week are allowed. Sunday work earns a 25% premium, and work on a rest day or public holiday is paid triple.":"Il-ġimgħa legali hija ta’ 48 siegħa fl-2026; ir-riforma kostituzzjonali ta’ Marzu 2026 tnaqqasha b’2 sigħat fis-sena mill-2027 sa 40 siegħa fl-2030. L-ewwel 9 sigħat sahra fil-ġimgħa (massimu 3 kuljum, 3 darbiet fil-ġimgħa) jitħallsu doppji u l-oħrajn tripli; mill-2027 huma permessi sa 12-il siegħa sahra fil-ġimgħa. Ix-xogħol nhar ta’ Ħadd jagħti premium ta’ 25%, u x-xogħol f’jum ta’ mistrieħ jew btala jitħallas triplu.","Half of double-time overtime is tax-free up to 5 UMA a week (all of it for minimum-wage earners); not applied in this calculator.":"Nofs is-sahra mħallsa doppja hija eżenti sa 5 UMA fil-ġimgħa (kollha għal min jaqla’ l-paga minima); mhux applikat f’dan il-kalkolatur.","9 h / week (3 h a day)":"9 sigħat / ġimgħa (3 kuljum)","RESICO and professional activity":"RESICO u attività professjonali","Under RESICO, individuals with revenue up to MXN 3.5m a year pay ISR of 1% to 2.5% of revenue with no deductions. Otherwise business and professional income is taxed on profit with the normal tariff. Self-employed people have no compulsory IMSS; voluntary IMSS and VAT (16%, usually charged to clients) are not included.":"Fir-RESICO, individwi bi dħul sa MXN 3.5 miljun fis-sena jħallsu ISR ta’ 1% sa 2.5% tad-dħul mingħajr tnaqqis. Inkella d-dħul kummerċjali u professjonali jiġi intaxxat fuq il-profitt bit-tariffa normali. Il-persuni li jaħdmu għal rashom m’għandhomx IMSS obbligatorju; l-IMSS volontarju u l-VAT (16%, normalment mitluba mill-klijenti) mhumiex inklużi.","AFORE pension (1997 law)":"Pensjoni AFORE (liġi tal-1997)","People who started after 1 July 1997 retire on their AFORE individual account. You need age 65 (or 60 with a smaller pension) and 875 weeks of contributions in 2026, rising by 25 a year to 1,000 in 2031. The balance buys an annuity or a programmed withdrawal; with too few weeks you take the money as a lump sum. A guaranteed minimum pension applies by age, weeks and salary.":"Min beda wara l-1 ta’ Lulju 1997 jirtira fuq il-kont individwali AFORE tiegħu. Għandek bżonn età ta’ 65 (jew 60 b’pensjoni iżgħar) u 875 ġimgħa ta’ kontribuzzjonijiet fl-2026, li jiżdiedu b’25 fis-sena sa 1,000 fl-2031. Il-bilanċ jixtri annwità jew ġbid programmat; b’ftit ġimgħat tieħu l-flus f’daqqa. Tapplika pensjoni minima garantita skont l-età, il-ġimgħat u s-salarju.","Pension Fund for Wellbeing and Pensión Bienestar":"Fond tal-Pensjonijiet għall-Benesseri u Pensión Bienestar","Since 2024 the Pension Fund for Wellbeing tops up the IMSS old-age pension of 1997-law workers retiring at 65 or later to 100% of their last salary, if that salary is at most MXN 17,885.85 a month (2026). Separately, everyone aged 65 or over receives the non-contributory Pensión Bienestar of MXN 6,400 every two months. Pensions are tax-free up to 15 UMA a month.":"Mill-2024 il-Fond tal-Pensjonijiet għall-Benesseri jikkumplimenta l-pensjoni tax-xjuħija tal-IMSS tal-ħaddiema taħt il-liġi tal-1997 li jirtiraw fil-65 jew wara sa 100% tal-aħħar salarju tagħhom, jekk dak is-salarju jkun l-aktar MXN 17,885.85 fix-xahar (2026). Barra minn hekk, kull min għandu 65 sena jew aktar jieħu l-Pensión Bienestar mhux kontributorja ta’ MXN 6,400 kull xahrejn. Il-pensjonijiet huma eżenti sa 15 UMA fix-xahar.","Voluntary AFORE contributions are deductible up to 10% of your income and 5 yearly UMA ({l} for you). Withdrawals before retirement are taxed.":"Il-kontribuzzjonijiet volontarji għall-AFORE jitnaqqsu sa 10% tad-dħul tiegħek u 5 UMA annwali ({l} għalik). Il-ġbid qabel l-irtirar jiġi intaxxat.","Voluntary contributions to your AFORE (long-term, deductible) are added to the same account as your compulsory savings and paid out with your pension, tax-free up to 15 UMA a month. Many employers also offer a savings fund (fondo de ahorro) with matching contributions. Real interest in a taxable account is taxed at your marginal rate (20% used).":"Il-kontribuzzjonijiet volontarji għall-AFORE tiegħek (fit-tul, deduċibbli) jiżdiedu mal-istess kont tat-tfaddil obbligatorju u jitħallsu mal-pensjoni, eżenti sa 15 UMA fix-xahar. Ħafna employers joffru wkoll fond tat-tfaddil (fondo de ahorro) b’kontribuzzjoni ekwivalenti. L-imgħax reali f’kont intaxxat jiġi intaxxat bir-rata marġinali tiegħek (20% użata).","Benito Juárez’s birthday":"Għeluq is-snin ta’ Benito Juárez","Presidential inauguration":"Inawgurazzjoni presidenzjali","Revolution Day":"Jum ir-Rivoluzzjoni","Since 2023 paid holidays are 12 working days after the first year, rising by 2 days a year to 20 in year 5 and then by 2 days every 5 years, with a vacation premium of at least 25%. The mandatory rest days of the Federal Labour Law are shown; Holy Thursday, Good Friday, 12 December and 2 November are common days off but not obligatory, and election days are also rest days.":"Mill-2023 il-leave huwa ta’ 12-il jum tax-xogħol wara l-ewwel sena, jiżdied b’jumejn fis-sena sa 20 fil-5 sena u mbagħad b’jumejn kull 5 snin, b’premium tal-vaganzi ta’ mill-inqas 25%. Jidhru l-jiem ta’ mistrieħ obbligatorju tal-Liġi Federali tax-Xogħol; Ħamis ix-Xirka, il-Ġimgħa l-Kbira, it-12 ta’ Diċembru u t-2 ta’ Novembru huma jiem liberi komuni iżda mhux obbligatorji, u l-jiem tal-elezzjonijiet huma wkoll jiem ta’ mistrieħ.","12 weeks (6 before and 6 after the birth; up to 4 can be moved to after)":"12-il ġimgħa (6 qabel u 6 wara t-twelid; sa 4 jistgħu jitressqu għal wara)","100% of the integrated wage from IMSS (30 weeks of contributions needed)":"100% tal-paga integrata mill-IMSS (meħtieġa 30 ġimgħa ta’ kontribuzzjonijiet)","5 working days":"5 ijiem tax-xogħol","Full pay from the employer":"Paga sħiħa mill-employer","Two 30-minute breaks a day (or one hour less work) for up to 6 months":"Żewġ waqfiet ta’ 30 minuta kuljum (jew siegħa inqas xogħol) sa 6 xhur","Childcare":"Childcare","IMSS daycare (guarderías) for children from 43 days to 4 years":"Childcare tal-IMSS (guarderías) għal tfal minn 43 jum sa 4 snin","Free for insured parents":"B’xejn għall-ġenituri assigurati","IMSS sickness benefit from the 4th day, up to 52 weeks":"Benefiċċju tal-mard tal-IMSS mir-4 jum, sa 52 ġimgħa","60% of the integrated wage":"60% tal-paga integrata","Dismissed without just cause":"Imkeċċi mingħajr raġuni ġusta","The employer owes 3 months of integrated pay (art. 48 and 50 LFT), 20 days per year of service when it refuses to reinstate you (commonly paid in settlements), and the seniority premium of 12 days per year with pay capped at twice the minimum wage (art. 162). The settlement (finiquito) also pays outstanding pay, the pro-rata aguinaldo, holidays and vacation premium. 90 UMA per year of service are tax-free; the rest is taxed at the average rate of your last monthly salary.":"L-employer għandu jħallas 3 xhur ta’ paga integrata (art. 48 u 50 LFT), 20 jum għal kull sena ta’ servizz meta jirrifjuta li jerġa’ jimpjegak (komuni fis-saldi) u l-premium tal-anzjanità ta’ 12-il jum fis-sena b’paga limitata għad-doppju tal-minimu (art. 162). Is-saldu finali (finiquito) iħallas ukoll il-paga dovuta, l-aguinaldo pro rata, il-leave u l-premium tal-vaganzi. 90 UMA għal kull sena ta’ servizz huma eżenti; il-bqija hija intaxxata bir-rata medja tal-aħħar salarju ta’ kull xahar.","Resignation and unemployment":"Riżenja u qgħad","If you resign you get the finiquito and, after 15 years, the seniority premium. There is no federal unemployment insurance; after 46 days without work you can withdraw part of your AFORE retirement savings, and Mexico City runs its own unemployment insurance.":"Jekk tirriżenja tieħu l-finiquito u, wara 15-il sena, il-premium tal-anzjanità. M’hemmx assigurazzjoni federali tal-qgħad; wara 46 jum mingħajr xogħol tista’ tiġbed parti mit-tfaddil għall-irtirar AFORE tiegħek, u l-Belt tal-Messiku għandha l-assigurazzjoni tal-qgħad tagħha.","Up to MXN 11,492.66 a month the employment subsidy of MXN 535.65 lowers your ISR every month.":"Sa MXN 11,492.66 fix-xahar is-sussidju tal-impjieg ta’ MXN 535.65 inaqqas l-ISR tiegħek kull xahar.","Check your AFORE statement and register your account: the employer’s contributions rise every year until 2030, and the Infonavit 5% can go towards a home loan.":"Iċċekkja r-rendikont tal-AFORE tiegħek u rreġistra l-kont: il-kontribuzzjonijiet tal-employer jiżdiedu kull sena sal-2030, u l-5% tal-Infonavit jista’ jmur għal self tad-dar.","There is no universal child benefit; the Rita Cetina scholarship is paid per family for pupils in public secondary schools (not included). Spouses file separately.":"M’hemmx benefiċċju universali tat-tfal; il-borża Rita Cetina titħallas għal kull familja għall-istudenti tal-iskejjel sekondarji pubbliċi (mhux inkluża). Il-miżżewġin jissottomettu separatament.","3 months + 20 days a year + seniority premium":"3 xhur + 20 jum fis-sena + premium tal-anzjanità","12 weeks at 100% (IMSS)":"12-il ġimgħa b’100% (IMSS)","5 working days at full pay":"5 ijiem tax-xogħol b’paga sħiħa","60% from day 4 (IMSS)":"60% mir-4 jum (IMSS)","Monthly withholding for one employee with the 2026 tariff, the employment subsidy and the minimum aguinaldo; the annual adjustment can change the final tax. Personal deductions in the annual return (medical, school fees, mortgage interest), PTU profit sharing, savings funds, food vouchers and the state payroll tax are not modelled.":"Żamma ta’ kull xahar għal impjegat wieħed bit-tariffa tal-2026, is-sussidju tal-impjieg u l-aguinaldo minimu; l-aġġustament annwali jista’ jbiddel it-taxxa finali. It-tnaqqis personali fid-dikjarazzjoni annwali (spejjeż mediċi, miżati tal-iskola, imgħax fuq is-self tad-dar), il-qsim tal-profitti PTU, il-fondi tat-tfaddil, il-vouchers tal-ikel u t-taxxa statali fuq il-pagi mhumiex ikkalkulati.","Official sources: SAT (Anexo 8 RMF 2026 tariffs), DOF (employment subsidy decree of 31 December 2025, pension reform of 16 December 2020, 40-hour reform of 3 March 2026), INEGI (UMA 2026, INPC, ENIGH 2024), CONASAMI (minimum wages 2026), IMSS (Ley del Seguro Social, Pension Fund for Wellbeing 2026), Secretaría de Bienestar, Ley Federal del Trabajo, CONSAR.":"Sorsi uffiċjali: SAT (tariffi Anexo 8 RMF 2026), DOF (digriet tas-sussidju tal-impjieg tal-31 ta’ Diċembru 2025, riforma tal-pensjonijiet tas-16 ta’ Diċembru 2020, riforma tal-40 siegħa tat-3 ta’ Marzu 2026), INEGI (UMA 2026, INPC, ENIGH 2024), CONASAMI (pagi minimi 2026), IMSS (Ley del Seguro Social, Fond tal-Pensjonijiet għall-Benesseri 2026), Secretaría de Bienestar, Ley Federal del Trabajo, CONSAR.","Monthly ISR on a salary of MXN 20,000":"ISR ta’ kull xahar fuq salarju ta’ MXN 20,000","Monthly ISR on MXN 10,000 after the employment subsidy":"ISR ta’ kull xahar fuq MXN 10,000 wara s-sussidju tal-impjieg","Employment subsidy per month (February–December 2026)":"Sussidju tal-impjieg fix-xahar (Frar–Diċembru 2026)","Tax-free part of the aguinaldo (30 UMA)":"Parti eżenti tal-aguinaldo (30 UMA)","IMSS employee quota per day on an integrated wage of MXN 500":"Kontribuzzjoni IMSS tal-impjegat kuljum fuq paga integrata ta’ MXN 500","Employer old-age (CEAV) rate in 2026, pay above 4 UMA":"Rata tax-xjuħija (CEAV) tal-employer fl-2026, paga ’l fuq minn 4 UMA","Weeks of contributions needed for a pension in 2026":"Ġimgħat ta’ kontribuzzjonijiet meħtieġa għal pensjoni fl-2026","Pensión Bienestar for people aged 65+ (per month)":"Pensión Bienestar għal persuni ta’ 65+ (fix-xahar)","Pension Fund for Wellbeing ceiling 2026 (per month)":"Limitu tal-Fond tal-Pensjonijiet għall-Benesseri 2026 (fix-xahar)","Seniority premium per year at a high salary (12 days at 2 minimum wages)":"Premium tal-anzjanità fis-sena b’salarju għoli (12-il jum b’2 pagi minimi)","Tax-free severance per year of service (90 UMA)":"Kumpens eżenti għal kull sena ta’ servizz (90 UMA)","Paid holidays in the 6th year of service (days)":"Jiem ta’ leave fis-6 sena ta’ servizz","RESICO tax on MXN 400,000 of yearly revenue":"Taxxa RESICO fuq MXN 400,000 dħul annwali","Real estate agent fee, legal maximum (3% + ¥60,000 + 10% consumption tax)":"Kummissjoni tal-aġent tal-proprjetà, massimu legali (3% + ¥60,000 + 10% taxxa tal-konsum)","Stamp duty on the sale contract (reduced rate to March 2027) and the loan contract":"Taxxa tal-bolli fuq il-kuntratt tal-bejgħ (rata mnaqqsa sa Marzu 2027) u l-kuntratt tas-self","Registration tax, real estate acquisition tax and judicial scrivener (estimate, about 1%)":"Taxxa tar-reġistrazzjoni, taxxa tal-akkwist tal-proprjetà u skrivan ġudizzjarju (stima, madwar 1%)","Loan guarantee and bank fees (estimate, about 2.2% of the loan)":"Garanzija tas-self u miżati tal-bank (stima, madwar 2.2% tas-self)","Acquisition tax ISAI (set by each state, about 2–4.5%; 3% used)":"Taxxa tal-akkwist ISAI (stabbilita minn kull stat, madwar 2–4.5%; 3% użata)","Notary, appraisal and public registry (estimate, about 2%)":"Nutar, valutazzjoni u reġistru pubbliku (stima, madwar 2%)","Bank opening fee (estimate, about 1% of the loan)":"Miżata tal-bank għall-ftuħ tas-self (stima, madwar 1% tas-self)","Housing loan credit: 0.7% of the year-end balance (up to ¥20 million for an ordinary existing home, 10 years; more and 13 years for energy-efficient homes), limited to your income tax plus part of the resident tax (at most ¥97,500)":"Kreditu għas-self tad-dar: 0.7% tal-bilanċ fl-aħħar tas-sena (sa ¥20 miljun għal dar eżistenti ordinarja, 10 snin; aktar u 13-il sena għal djar effiċjenti fl-enerġija), limitat għat-taxxa fuq id-dħul tiegħek flimkien ma’ parti mit-taxxa tar-residenti (l-aktar ¥97,500)","Real interest (interest above inflation, estimated with 3.5%) on a home loan of up to 750,000 UDIs is a personal deduction in the annual return, within the overall cap of 15% of income or 5 yearly UMA; worth your top ISR rate":"L-imgħax reali (imgħax ’il fuq mill-inflazzjoni, stmat b’3.5%) fuq self tad-dar sa 750,000 UDI huwa tnaqqis personali fid-dikjarazzjoni annwali, fil-limitu ġenerali ta’ 15% tad-dħul jew 5 UMA annwali; jiswa bl-ogħla rata ISR tiegħek","No official limits. Japanese banks often lend up to 100% of the price; the public Flat 35 loan caps all loan payments at 30% of gross income below ¥4 million and 35% above, and charges more when the loan exceeds 90% of the price.":"L-ebda limitu uffiċjali. Il-banek Ġappuniżi spiss isellfu sa 100% tal-prezz; is-self pubbliku Flat 35 jillimita l-pagamenti kollha tas-self għal 30% tad-dħul gross taħt ¥4 miljun u 35% ’il fuq, u jiswa aktar meta s-self jaqbeż 90% tal-prezz.","No binding borrower limits. Banks usually lend up to 80–90% of the value with payments of about 30–40% of income; Infonavit and Fovissste loans use a points system and your housing account, and can be combined with a bank loan (Cofinavit).":"L-ebda limitu vinkolanti. Il-banek normalment isellfu sa 80–90% tal-valur b’pagamenti ta’ madwar 30–40% tad-dħul; is-self tal-Infonavit u tal-Fovissste juża sistema ta’ punti u l-kont tad-djar tiegħek, u jista’ jingħaqad ma’ self bankarju (Cofinavit).","Your iDeCo":"L-iDeCo tiegħek","Your AFORE":"L-AFORE tiegħek","Gross plus employer social security and TFR. You take home {p}.":"Gross flimkien mal-kontribuzzjonijiet soċjali tal-employer u t-TFR. Iżżomm {p}.","Gross plus employer social security. You take home {p}.":"Gross flimkien mal-kontribuzzjonijiet soċjali tal-employer. Iżżomm {p}.","Legal minimum annual leave, 5-day week":"Leave minimu statutorju, ġimgħa ta' 5 ijiem","State fee to register a €150,000 home":"Tariffa tal-Istat biex tirreġistra dar ta' €150.000","CAS pension contribution 25% (incl. 4.75% to Pillar II)":"Kontribuzzjoni għall-pensjoni CAS 25% (li minnha 4,75% tmur fit-tieni pilastru)","CASS health contribution 10%":"Kontribuzzjoni tas-saħħa CASS 10%","Personal deduction (per year)":"Tnaqqis personali (fis-sena)","RON 200 a month free of tax and contributions (minimum wage)":"RON 200 fix-xahar ħielsa mit-taxxa u mill-kontribuzzjonijiet (paga minima)","Employer work insurance contribution (CAM) 2.25%":"Kontribuzzjoni tal-assigurazzjoni tax-xogħol min-naħa tal-impjegatur (CAM) 2,25%","Public pension: {p} contribution points (your pay divided by the average gross wage of RON 9,192, year by year) plus {s} stability points for the years above 25, times the reference value of RON 81 (frozen in 2026). Pension age is {a} in 2026 (women’s age rises to 65 by 2035) with at least 15 years. Above RON 3,000 a month pensions pay 10% health contribution and 10% income tax. Pillar II (4.75% of pay) pays its own pension on top.":"Pensjoni tal-Istat: {p} punti ta' kontribuzzjoni (il-paga tiegħek diviża bil-paga gross medja ta' RON 9.192, sena b'sena) flimkien ma' {s} punti ta' stabbiltà għas-snin ta' wara l-25, immultiplikati bil-valur ta' referenza ta' RON 81 (iffriżat fl-2026). L-età tal-pensjoni hi {a} fl-2026 (l-età tan-nisa togħla għal 65 sal-2035) b'mill-inqas 15-il sena. Fuq RON 3.000 fix-xahar, il-pensjonijiet iħallsu 10% kontribuzzjoni tas-saħħa u 10% taxxa fuq id-dħul. It-tieni pilastru (4,75% tal-paga) iħallas ukoll pensjoni tiegħu.","CAS 25% and CASS 10% for a PFA":"CAS 25% u CASS 10% għal PFA","{u} a month for {n} months (75% of the RON 660 social reference indicator + {p} of your average gross pay)":"{u} fix-xahar għal {n} xhur (75% tal-indikatur soċjali ta' referenza ta' RON 660 + {p} tal-paga gross medja tiegħek)","{n} months, RON 495 + {p} of pay":"{n} xhur, RON 495 + {p} tal-paga","20 working days (45 for managers)":"20 jum tax-xogħol (45 għall-maniġers)","20 working days":"20 jum tax-xogħol","Labour Code art. 75 and 81":"Kodiċi tax-Xogħol art. 75 u 81","Romania":"Rumanija","Contributions and income tax 2026":"Kontribuzzjonijiet u taxxa fuq id-dħul 2026","Employees pay 25% CAS for pension (4.75% of it goes to the private Pillar II fund) and 10% CASS for health; income tax is 10% of pay after contributions and the personal deduction. The employer only pays a 2.25% work insurance contribution (CAM).":"L-impjegati jħallsu 25% CAS għall-pensjoni (4,75% minnha tmur fil-fond privat tat-tieni pilastru) u 10% CASS għas-saħħa; it-taxxa fuq id-dħul hi 10% tal-paga wara l-kontribuzzjonijiet u t-tnaqqis personali. L-impjegatur iħallas biss kontribuzzjoni tal-assigurazzjoni tax-xogħol ta' 2,25% (CAM).","Personal deduction and minimum wage":"Tnaqqis personali u paga minima","The personal deduction is 20% of the minimum wage for monthly pay up to the minimum wage (25%, 30%, 35% and 45% with 1, 2, 3 or 4+ dependants) and falls by 0.5 points for each RON 50 above it, ending at the minimum wage + RON 2,000. The minimum wage is RON 4,325 from 1 July 2026 (RON 4,050 before); for workers on the minimum wage RON 200 a month (RON 300 until June) is free of tax and contributions while gross pay stays at or below RON 4,600.":"It-tnaqqis personali hu 20% tal-paga minima għal paga fix-xahar sal-paga minima (25%, 30%, 35% u 45% b'1, 2, 3 jew 4+ dipendenti) u jonqos b'0,5 punti perċentwali għal kull RON 50 iżjed, sakemm jispiċċa meta tilħaq il-paga minima + RON 2.000. Il-paga minima hi RON 4.325 mill-1 ta' Lulju 2026 (qabel RON 4.050); għal min jaqla' l-paga minima, RON 200 fix-xahar (RON 300 sa Ġunju) huma ħielsa mit-taxxa u mill-kontribuzzjonijiet sakemm il-paga gross ma taqbiżx RON 4.600.","Overtime is first compensated with paid time off within the next 60 days; if that is not possible it is paid with at least 75% extra. Working time may not exceed 48 hours a week on average. Night work earns at least 25% extra (or one hour less work), and work on public holidays is paid double if no time off is given.":"Is-sahra tiġi kkumpensata l-ewwel b'ħin liberu mħallas fi żmien 60 jum; jekk ma jistax ikun, titħallas b'żieda ta' mill-inqas 75%. Il-ħin tax-xogħol ma jistax jaqbeż medja ta' 48 siegħa fil-ġimgħa. Ix-xogħol bil-lejl jagħti mill-inqas 25% iżjed (jew siegħa xogħol inqas), u x-xogħol f'jum ta' festa jitħallas doppju jekk ma jingħatax ħin liberu.","PFA (sole trader, real system)":"PFA (negozju individwali, tassazzjoni fuq id-dħul reali)","Net income is taxed at 10%. CAS of 25% is due on 12 minimum wages (RON 48,600) when income is between 12 and 24 minimum wages and on 24 (RON 97,200) above; CASS of 10% applies to income between 6 and 72 minimum wages. For 2026 income the thresholds use the RON 4,050 minimum wage of 1 January 2026.":"Id-dħul nett jiġi ntaxxat b'10%. Is-CAS ta' 25% titħallas fuq 12-il paga minima (RON 48.600) meta d-dħul ikun bejn 12 u 24 paga minima, u fuq 24 (RON 97.200) aktar minn hekk; is-CASS ta' 10% tapplika għal dħul bejn 6 u 72 paga minima. Għad-dħul tal-2026 tintuża l-paga minima ta' RON 4.050 fl-1 ta' Jannar 2026.","Points system (Law 360/2023)":"Sistema ta' punti (Liġi 360/2023)","Each year adds points equal to your gross pay divided by the national average gross wage; for years above 25, stability points are added (0.5 a year for years 26–30, 0.75 for 31–35 and 1 after 35). The pension is total points × the reference value, RON 81 since 2024 and frozen in 2026.":"Kull sena tagħti punti daqs il-paga gross tiegħek diviża bil-paga gross medja nazzjonali; għas-snin ta' wara l-25 jiżdiedu punti ta' stabbiltà (0,5 fis-sena għas-snin 26–30, 0,75 għal 31–35 u 1 wara l-35). Il-pensjoni hi s-somma tal-punti × il-valur ta' referenza, RON 81 mill-2024 u ffriżat fl-2026.","65 for men; for women 62 years and 7 months from July 2026, rising to 65 by 2035, with a full career of 35 years (women 33 years and 5 months) and at least 15 years. Early retirement is possible up to 5 years before with a full career, with a reduction.":"65 għall-irġiel; għan-nisa 62 sena u 7 xhur minn Lulju 2026, li togħla għal 65 sal-2035, b'karriera sħiħa ta' 35 sena (in-nisa 33 sena u 5 xhur) u mill-inqas 15-il sena. Il-pensjoni bikrija hi possibbli sa 5 snin qabel b'karriera sħiħa, b'tnaqqis.","Pillar III contributions are deductible from the income tax base up to the equivalent of €400 a year (about RON 2,000); the employer can also contribute up to €400 a year tax-free.":"Il-kontribuzzjonijiet għat-tielet pilastru jitnaqqsu mill-bażi taxxabbli sal-ekwivalenti ta' €400 fis-sena (madwar RON 2.000); l-impjegatur ukoll jista' jikkontribwixxi sa €400 fis-sena mingħajr taxxa.","Voluntary private pensions (Pillar III): contributions up to €400 a year reduce income tax; payouts from 60 are taxed like pensions (10% income tax above RON 3,000 a month). Pillar II, financed from your CAS, pays a separate pension on top of the state one.":"Pensjonijiet privati volontarji (it-tielet pilastru): kontribuzzjonijiet sa €400 fis-sena jnaqqsu t-taxxa; il-ħlasijiet mill-età ta' 60 jiġu ntaxxati bħala pensjoni (10% fuq RON 3.000 fix-xahar). It-tieni pilastru, iffinanzjat mis-CAS tiegħek, iħallas pensjoni separata minbarra dik tal-Istat.","Day after New Year":"Il-jum ta' wara l-Ewwel tas-Sena","St John the Baptist":"San Ġwann il-Battista","Union of the Romanian Principalities":"L-Għaqda tal-Prinċipati Rumeni","Orthodox Good Friday":"Il-Ġimgħa l-Kbira Ortodossa","Orthodox Easter Sunday":"L-Għid Ortodoss","Orthodox Easter Monday":"It-Tnejn tal-Għid Ortodoss","Orthodox Pentecost":"Pentekoste Ortodossa","St Andrew’s Day":"Jum Sant Andrija","At least 20 working days of paid leave a year; collective agreements and seniority often add more. The public holidays follow the Orthodox calendar (Easter and Pentecost); when Whit Monday falls on 1 June (Children’s Day), as in 2026, it is a single day off.":"Mill-inqas 20 jum tax-xogħol leave imħallas fis-sena; il-ftehimiet kollettivi u l-anzjanità spiss jagħtu aktar. Il-festi jsegwu l-kalendarju Ortodoss (l-Għid u Pentekoste); meta t-Tnejn ta' Pentekoste jaħbat fl-1 ta' Ġunju (Jum it-Tfal), bħal fl-2026, ikun hemm jum liberu wieħed biss.","126 days (63 before and 63 after the birth)":"126 jum (63 qabel u 63 wara t-twelid)","85% of your average insured income":"85% tad-dħul assigurat medju tiegħek","Child-raising leave":"Leave għat-trobbija tat-tfal","Until the child is 2 (3 with a disability); at least 2 months are reserved for the other parent":"Sakemm it-tifel jew it-tifla jagħlqu 2 snin (3 b'diżabbiltà); mill-inqas 2 xhur huma riżervati għall-ġenitur l-ieħor","85% of average net income, within a minimum and maximum":"85% tad-dħul nett medju, b'minimu u massimu","10 working days (15 after a childcare course)":"10 ijiem tax-xogħol (15 wara kors dwar it-trabi)","State child allowance":"Allowance tal-Istat għat-tfal","RON 719 a month under 2, RON 292 from 2 to 18":"RON 719 fix-xahar taħt 2 snin, RON 292 minn 2 sa 18","Not taxed":"Ħielsa mit-taxxa","First 5 days paid by the employer, then by the health fund":"L-ewwel 5 ijiem iħallas l-impjegatur, imbagħad il-fond tas-saħħa","75% of average income (from 2026 lower for short absences)":"75% tad-dħul medju (mill-2026 inqas għal assenzi qosra)","Dismissed for reasons not related to me":"Imkeċċi għal raġunijiet li ma jirrigwardawnix","When the employer dismisses you for reasons not related to you, the notice is at least 20 working days. The Labour Code sets no general severance pay; it is due only if a collective or individual agreement provides it (often 1–3 months’ pay in collective dismissals).":"Meta l-impjegatur ikeċċik għal raġunijiet li ma jirrigwardawkx, l-avviż hu mill-inqas 20 jum tax-xogħol. Il-Kodiċi tax-Xogħol ma jistabbilixxix ħlas ta' redundancy ġenerali; jitħallas biss jekk ftehim kollettiv jew individwali jipprevedih (spiss 1–3 xhur paga f'tkeċċijiet kollettivi).","After at least 12 months of contributions in the last 24: 75% of the social reference indicator (RON 495) plus 3%, 5%, 7% or 10% of your average gross pay with at least 3, 5, 10 or 20 years insured; paid for 6 months (1–5 years), 9 months (5–10) or 12 months (10+).":"Wara mill-inqas 12-il xahar kontribuzzjonijiet fl-aħħar 24: 75% tal-indikatur soċjali ta' referenza (RON 495) flimkien ma' 3%, 5%, 7% jew 10% tal-paga gross medja tiegħek b'mill-inqas 3, 5, 10 jew 20 sena assigurati; titħallas għal 6 xhur (1–5 snin), 9 xhur (5–10) jew 12-il xahar (10+).","Between the minimum wage and RON 6,325 a month you still get part of the personal deduction; it shrinks by 0.5 points of the minimum wage for every RON 50 of extra pay.":"Bejn il-paga minima u RON 6.325 fix-xahar xorta tieħu parti mit-tnaqqis personali; jonqos b'0,5 punti perċentwali tal-paga minima għal kull RON 50 żejda.","Part of your CAS (4.75% of gross pay) goes to your own Pillar II account; you can check the balance with your fund.":"Parti mis-CAS tiegħek (4,75% tal-paga gross) tmur fil-kont tiegħek tat-tieni pilastru; il-bilanċ tarah mal-fond tiegħek.","The state child allowance (RON 292 a month from age 2 to 18, RON 719 under 2) is shown separately. Dependants raise the personal deduction for the parent who claims them.":"L-allowance tal-Istat għat-tfal (RON 292 fix-xahar minn 2 sa 18-il sena, RON 719 taħt 2 snin) tidher separatament. Id-dipendenti jgħollu t-tnaqqis personali tal-ġenitur li jiddikjarahom.","126 days at 85%, then child-raising leave at 85% until age 2":"126 jum b'85%, imbagħad leave għat-trobbija b'85% sa 2 snin","10 working days at full pay":"10 ijiem tax-xogħol b'paga sħiħa","Until age 2, 2 months reserved for each parent":"Sa 2 snin, 2 xhur riżervati għal kull ġenitur","75% (employer 5 days, then health fund)":"75% (l-impjegatur 5 ijiem, imbagħad il-fond tas-saħħa)","Monthly tax and contributions for one employee under the rules in force from 1 July 2026 (minimum wage RON 4,325, RON 200 untaxed), applied to the whole year. Exemptions for IT, construction and agriculture were abolished; meal vouchers, holiday vouchers and the deduction for young people are not modelled.":"Taxxa u kontribuzzjonijiet ta' kull xahar għal impjegat skont ir-regoli mill-1 ta' Lulju 2026 (paga minima RON 4.325, RON 200 ħielsa mit-taxxa), applikati għas-sena kollha. L-eżenzjonijiet għall-IT, il-kostruzzjoni u l-agrikoltura tneħħew; il-vouchers tal-ikel, il-vouchers tal-vaganzi u t-tnaqqis għaż-żgħażagħ ma jiġux ikkalkulati.","Official sources: ANAF and the Fiscal Code (Law 227/2015, art. 76–78, 138^3–138^4, 148–170), Government Decision 146/2026 (minimum wage), Law 360/2023 and Law 141/2025 (pensions, CASS on pensions), CNPP, ANOFM (unemployment benefit, ISR), Labour Code, National Bank of Romania (lending limits), INS, Eurostat.":"Sorsi uffiċjali: ANAF u l-Kodiċi Fiskali (Liġi 227/2015, art. 76–78, 138^3–138^4, 148–170), Deċiżjoni tal-Gvern 146/2026 (paga minima), Liġi 360/2023 u Liġi 141/2025 (pensjonijiet, CASS fuq il-pensjonijiet), CNPP, ANOFM (benefiċċju tal-qgħad, ISR), il-Kodiċi tax-Xogħol, il-Bank Nazzjonali tar-Rumanija (limiti tas-self), INS, Eurostat.","Net pay on the RON 4,325 minimum wage from July 2026":"Paga netta bil-paga minima ta' RON 4.325 minn Lulju 2026","Personal deduction on RON 4,325 gross, no dependants":"Tnaqqis personali b'RON 4.325 gross, mingħajr dipendenti","Personal deduction on RON 5,325 gross, no dependants":"Tnaqqis personali b'RON 5.325 gross, mingħajr dipendenti","Pension after 35 years on the average wage (per month)":"Pensjoni wara 35 sena bil-paga medja (fix-xahar)","Basic unemployment benefit (75% of the ISR)":"Ammont bażiku tal-benefiċċju tal-qgħad (75% tal-ISR)","Unemployment benefit duration with 12 years insured (months)":"Perjodu tal-benefiċċju bi 12-il sena assigurati (xhur)","PFA pension contribution (CAS) on RON 60,000 of net income":"Kontribuzzjoni għall-pensjoni (CAS) għal PFA b'RON 60.000 dħul nett","State child allowance, 2 children aged 2–18 (per year)":"Allowance tal-Istat għat-tfal, 2 tfal ta' 2–18-il sena (fis-sena)","Social insurance 9.4%":"Sigurtà soċjali 9,4%","Health insurance 5%":"Assigurazzjoni tas-saħħa 5%","Income tax (19% / 25% / 30% / 35%)":"Taxxa fuq id-dħul (19% / 25% / 30% / 35%)","Child tax bonus":"Bonus tat-taxxa għat-tfal","Non-taxable part of the tax base":"Parti mhux taxxabbli tal-bażi","Employer contributions (about 36%)":"Kontribuzzjonijiet tal-impjegatur (madwar 36%)","Old-age pension: your average personal wage point {p} (your pay divided by the average wage) × {y} years × the current pension value of €19.7633 (2026). Pension age is about 64 (lower for older people and for mothers, by 6 months per child); you can retire up to 2 years earlier with 0.5% less per month. Pensions are not taxed, a 13th pension is paid each December, and the second pillar (if you joined it) pays its own pension.":"Pensjoni tax-xjuħija: il-koeffiċjent personali medju tal-paga tiegħek {p} (il-paga tiegħek diviża bil-paga medja) × {y} snin × il-valur attwali tal-pensjoni ta' €19,7633 (2026). L-età tal-pensjoni hi madwar 64 (inqas għall-anzjani u għall-ommijiet, 6 xhur għal kull tifel jew tifla); tista' toħroġ sa 2 snin qabel b'0,5% inqas fix-xahar. Il-pensjonijiet mhumiex intaxxati, pensjoni 13 titħallas f'Diċembru, u t-tieni pilastru (jekk ingħaqadt) iħallas pensjoni tiegħu.","Social 33.15% + health 16% (self-employed)":"Sigurtà soċjali 33,15% + saħħa 16% (self-employed)","Severance pay (odstupné, {m} months)":"Ħlas ta' redundancy (odstupné, {m} xhur)","After resigning you can claim it only if you were insured for 2 of the last 4 years; shown as none":"Wara riżenja biss b'2 snin assigurati fl-aħħar 4; jidher bħala xejn","{a} a month for 3 months (50%), then 40%, 30% and 20% (6 months in total, rules from 2026)":"{a} fix-xahar għal 3 xhur (50%), imbagħad 40%, 30% u 20% (6 xhur b'kollox, regoli mill-2026)","Severance (dismissal)":"Ħlas ta' redundancy (tkeċċija)","{n} months":"{n} xhur","Labour Code § 62 (dismissal by the employer)":"Kodiċi tax-Xogħol § 62 (tkeċċija mill-impjegatur)","Slovakia":"Slovakkja","Since 2026 the tax base is taxed in four bands: 19% up to €43,983.32, 25% up to €60,349.21, 30% up to €75,010.32 and 35% above. The non-taxable part per taxpayer is €5,966.73 a year for a tax base up to €26,083.13 and then falls (€14,661.11 minus a third of the tax base) to nil at €43,983.32. The child tax bonus is €100 a month per child under 15 and €50 from 15 to 18, limited by a share of the tax base and reduced at higher incomes.":"Mill-2026 il-bażi tiġi ntaxxata f'erba' faxex: 19% sa €43.983,32, 25% sa €60.349,21, 30% sa €75.010,32 u 35% aktar minn hekk. Il-parti mhux taxxabbli għal kull persuna taxxabbli hi €5.966,73 fis-sena għal bażi sa €26.083,13 u mbagħad tonqos (€14.661,11 nieqes terz tal-bażi) għal żero b'€43.983,32. Il-bonus għat-tfal hu €100 fix-xahar għal kull tifel jew tifla taħt il-15 u €50 minn 15 sa 18, limitat għal sehem mill-bażi u mnaqqas għal dħul ogħla.","Employees pay 9.4% social insurance (up to €16,764 a month) and 5% health insurance (raised from 4% in 2026, no ceiling). Employers pay about 25.2% social and 11% health insurance. Minimum wage €915 a month.":"L-impjegati jħallsu 9,4% sigurtà soċjali (sa €16.764 fix-xahar) u 5% assigurazzjoni tas-saħħa (miżjuda minn 4% fl-2026, mingħajr limitu). L-impjegaturi jħallsu madwar 25,2% sigurtà soċjali u 11% assigurazzjoni tas-saħħa. Paga minima €915 fix-xahar.","Overtime pays at least 25% extra (35% for risky work), or time off instead by agreement; it is limited to 150 hours a year ordered by the employer and 400 hours in total. Night work adds at least 40% of the minimum hourly wage, Saturday work 50%, Sunday work 100% and public holidays 100% of your average earnings.":"Is-sahra titħallas b'żieda ta' mill-inqas 25% (35% għal xogħol ta' riskju) jew b'ħin liberu miftiehem; l-impjegatur jista' jordna sa 150 siegħa fis-sena u 400 b'kollox. Ix-xogħol bil-lejl jagħti mill-inqas 40% tal-paga minima fis-siegħa, ix-xogħol is-Sibt 50%, il-Ħadd 100% u l-festi 100% tal-paga medja tiegħek.","150 h / year (400 by agreement)":"150 siegħa / sena (400 bi ftehim)","Self-employed (SZČO)":"Self-employed (SZČO)","With flat expenses of 60% (up to €20,000 a year), social insurance is 33.15% and health insurance 16% of profit divided by 1.486, at least €914.40 (social) and €762 (health) a month in 2026. Income tax is 15% if revenue does not exceed €100,000, after the non-taxable part.":"B'nefqa fissa ta' 60% (sa €20.000 fis-sena), is-sigurtà soċjali hi 33,15% u l-assigurazzjoni tas-saħħa 16% tal-profitt diviż b'1,486, b'minimu ta' €914,40 (soċjali) u €762 (saħħa) fix-xahar fl-2026. It-taxxa fuq id-dħul hi 15% jekk id-dħul gross ma jaqbiżx €100.000, wara l-parti mhux taxxabbli.","The pension is the average personal wage point (your pay compared with the average wage in each year) × years of insurance × the current pension value, €19.7633 in 2026. You need at least 15 years. Pension age is capped at 64 and is lower for older cohorts and for mothers (6 months less per child, up to 18 months).":"Il-pensjoni hi l-koeffiċjent personali medju tal-paga (il-paga tiegħek imqabbla mal-paga medja kull sena) × is-snin assigurati × il-valur attwali tal-pensjoni, €19,7633 fl-2026. Għandek bżonn mill-inqas 15-il sena. L-età tal-pensjoni hi l-aktar 64 u inqas għal ġenerazzjonijiet anzjani u għall-ommijiet (6 xhur inqas għal kull tifel jew tifla, sa 18-il xahar).","Indexation and extras":"Indiċjar u żidiet","Pensions rose 3.7% in January 2026. Pensions are not taxed. A 13th pension is paid every December, and savers in the second pillar receive part of their pension from their own account.":"Il-pensjonijiet żdiedu bi 3,7% f'Jannar 2026. Il-pensjonijiet mhumiex intaxxati. Kull Diċembru titħallas pensjoni 13, u min jiffranka fit-tieni pilastru jieħu parti mill-pensjoni mill-kont tiegħu.","Third-pillar contributions (DDS) reduce your tax base by up to €180 a year; employer contributions are taxed as your income but free of health insurance up to 6% of pay.":"Il-kontribuzzjonijiet għat-tielet pilastru (DDS) inaqqsu l-bażi tiegħek sa €180 fis-sena; il-kontribuzzjonijiet tal-impjegatur jiġu ntaxxati bħala dħul tiegħek iżda huma ħielsa mill-assigurazzjoni tas-saħħa sa 6% tal-paga.","Supplementary pension savings (third pillar, DDS): you and your employer can contribute; your own contributions are deductible up to €180 a year. Payouts from age 62 are taxed at 19% on the part above your contributions (about 7% of the final balance here).":"Tfaddil supplimentari għall-pensjoni (it-tielet pilastru, DDS): int u l-impjegatur tiegħek tistgħu tikkontribwixxu; il-kontribuzzjonijiet tiegħek jitnaqqsu sa €180 fis-sena. Il-ħlasijiet mill-età ta' 62 jiġu ntaxxati b'19% fuq il-parti li taqbeż il-kontribuzzjonijiet tiegħek (hawn madwar 7% tal-bilanċ finali).","Day of the Establishment of the Slovak Republic":"Jum it-Twaqqif tar-Repubblika Slovakka","Victory over Fascism":"Ir-Rebħa fuq il-Faxxiżmu","St Cyril and Methodius":"Ċirillu u Metodju","Slovak National Uprising":"Ir-Rewwixta Nazzjonali Slovakka","Our Lady of Sorrows":"Is-Seba' Duluri tal-Verġni Marija","Struggle for Freedom and Democracy Day":"Jum il-Ġlieda għall-Libertà u d-Demokrazija","4 weeks of paid leave a year, and 5 weeks from the year you turn 33 or if you care for a child permanently. Under the 2026 consolidation package 8 May and 15 September are working days in 2026 and 17 November has been abolished as a day off.":"4 ġimgħat leave imħallas fis-sena, u 5 ġimgħat mis-sena li fiha tagħlaq 33 jew jekk qed tieħu ħsieb tifel jew tifla b'mod permanenti. Bil-pakkett ta' konsolidazzjoni tal-2026, it-8 ta' Mejju u l-15 ta' Settembru huma jiem tax-xogħol fl-2026 u s-17 ta' Novembru tneħħa bħala jum liberu.","Maternity benefit":"Benefiċċju tal-maternità (materské)","34 weeks (37 for single mothers)":"34 ġimgħa (37 għal ommijiet waħedhom)","75% of your daily assessment base":"75% tal-bażi ta' kuljum tiegħek","Paternity benefit":"Benefiċċju tal-paternità","2 weeks in the first 6 weeks after the birth; a father can also take maternity benefit later":"2 ġimgħat fl-ewwel 6 ġimgħat wara t-twelid; il-missier jista' wkoll jieħu l-benefiċċju tal-maternità aktar tard","75% of the daily assessment base":"75% tal-bażi ta' kuljum","Parental allowance":"Allowance tal-ġenituri","Until the child is 3 (6 with long-term illness)":"Sakemm it-tifel jew it-tifla jagħlqu 3 (6 b'mard fit-tul)","Flat monthly amount (higher after maternity benefit)":"Ammont fiss fix-xahar (ogħla wara l-benefiċċju tal-maternità)","Child benefit":"Allowance għat-tfal","€60 a month per child":"€60 fix-xahar għal kull tifel jew tifla","Not taxed, on top of the child tax bonus":"Ħielsa mit-taxxa, minbarra l-bonus għat-tfal","Days 1–10 paid by the employer, then sickness benefit from the Social Insurance Agency":"Jiem 1–10 iħallas l-impjegatur, imbagħad benefiċċju tal-mard mill-Aġenzija tas-Sigurtà Soċjali","25% for days 1–3, then 55%":"25% għall-jiem 1–3, imbagħad 55%","When the employer gives notice, it is 1 month under 1 year of service, 2 months for 1–5 years and 3 months after 5 years. On dismissal for organisational or health reasons severance is 1, 2, 3 or 4 months’ average earnings after 2, 5, 10 or 20 years; ending by agreement adds one more month. Severance is taxed and pays health insurance but no social insurance.":"Meta l-impjegatur ikeċċi, l-avviż hu xahar taħt sena servizz, 2 xhur b'1–5 snin u 3 xhur wara 5 snin. Għal tkeċċija għal raġunijiet organizzattivi jew tas-saħħa, il-ħlas ta' redundancy hu 1, 2, 3 jew 4 xhur paga medja wara 2, 5, 10 jew 20 sena; tmiem bi ftehim jagħti xahar ieħor. Il-ħlas jiġi ntaxxat u jħallas assigurazzjoni tas-saħħa iżda mhux sigurtà soċjali.","After 2 years of unemployment insurance in the last 4: 50% of your daily assessment base for the first 3 months, then 40%, 30% and 20% for months 4, 5 and 6 (for people registering from 1 January 2026).":"Wara 2 snin assigurazzjoni tal-qgħad fl-aħħar 4: 50% tal-bażi ta' kuljum tiegħek għall-ewwel 3 xhur, imbagħad 40%, 30% u 20% fix-xhur 4, 5 u 6 (għal min jirreġistra mill-1 ta' Jannar 2026).","Your tax base is in the range where the non-taxable part shrinks, so each extra euro is taxed at about 25% instead of 19%.":"Il-bażi taxxabbli tiegħek tinsab fil-medda fejn il-parti mhux taxxabbli tiċkien, għalhekk kull ewro żejjed jiġi ntaxxat b'madwar 25% minflok 19%.","You can claim the €60 child benefit and the child tax bonus at the same time.":"Tista' tieħu l-allowance ta' €60 għat-tfal u l-bonus għat-tfal fl-istess ħin.","The €60 child benefit is shown separately; the child tax bonus is included in the tax. A spouse with low income can give the other spouse an extra non-taxable allowance (not modelled).":"L-allowance ta' €60 għat-tfal tidher separatament; il-bonus għat-tfal hu inkluż fit-taxxa. Konjuġi bi dħul baxx jista' jagħti lill-konjuġi l-ieħor ammont żejjed mhux taxxabbli (mhux ikkalkulat).","Odstupné ({m} months)":"Odstupné ({m} xhur)","34 weeks at 75%, then parental allowance until 3":"34 ġimgħa b'75%, imbagħad allowance tal-ġenituri sa 3 snin","2 weeks at 75%":"2 ġimgħat b'75%","Until age 3 (flat allowance)":"Sa 3 snin (ammont fiss)","25% then 55%":"25%, imbagħad 55%","Annual tax and contributions for one employee with the 2026 rates and the full non-taxable part. The spouse allowance, pension-saving deductions beyond the third pillar, meal allowances and the 13th/14th salary relief are not modelled.":"Taxxa u kontribuzzjonijiet annwali għal impjegat bir-rati tal-2026 u l-parti sħiħa mhux taxxabbli. Il-parti għall-konjuġi, tnaqqis għat-tfaddil tal-pensjoni ħlief it-tielet pilastru, l-allowance tal-ikel u l-eżenzjoni tal-13 u l-14-il paga ma jiġux ikkalkulati.","Official sources: Financial Administration (finančná správa: tax rates 2026, child tax bonus 2026), Act 595/2003 on income tax, Social Insurance Agency (Sociálna poisťovňa: contribution rates, current pension value 2026, unemployment benefit from 2026), Labour Code (Act 311/2001), Ministry of Labour (minimum wage 2026, child benefit), National Bank of Slovakia (lending limits), Eurostat.":"Sorsi uffiċjali: l-Amministrazzjoni Finanzjarja (finančná správa: rati tat-taxxa 2026, bonus għat-tfal 2026), Att 595/2003 dwar it-taxxa fuq id-dħul, l-Aġenzija tas-Sigurtà Soċjali (Sociálna poisťovňa: rati tal-kontribuzzjonijiet, valur attwali tal-pensjoni 2026, benefiċċju tal-qgħad mill-2026), il-Kodiċi tax-Xogħol (Att 311/2001), il-Ministeru tax-Xogħol (paga minima 2026, allowance għat-tfal), il-Bank Nazzjonali tas-Slovakkja (limiti tas-self), Eurostat.","Income tax on a tax base of €80,000":"Taxxa fuq id-dħul fuq bażi ta' €80.000","Non-taxable part at a tax base of €30,000":"Parti mhux taxxabbli b'bażi ta' €30.000","Pension after 40 years on the average wage (per month)":"Pensjoni wara 40 sena bil-paga medja (fix-xahar)","Severance after 12 years, dismissal (months)":"Ħlas ta' redundancy wara 12-il sena, tkeċċija (xhur)","Minimum monthly contributions for the self-employed 2026":"Kontribuzzjonijiet minimi fix-xahar għas-self-employed 2026","Sodra social insurance 12.52% (pension, sickness, maternity)":"Sigurtà soċjali Sodra 12,52% (pensjoni, mard, ġenituri)","Compulsory health insurance 6.98%":"Assigurazzjoni obbligatorja tas-saħħa 6,98%","Income tax (GPM 20% / 25% / 32%)":"Taxxa fuq id-dħul (GPM 20% / 25% / 32%)","Tax-free amount (NPD) per year":"Ammont mhux taxxabbli (NPD) fis-sena","Employer contributions 1.77%":"Kontribuzzjonijiet tal-impjegatur 1,77%","Sodra old-age pension: general part {g} (basic pension €327.91 × {y} years ÷ 34.5 required years) plus individual part {i} ({u} pension units × €8.11). Pension age is 65 from 2026 with at least 15 years; up to 5 years earlier with the full record, 0.32% less per month. Pensions within the tax-free amount pay no income tax; the second pillar pays its own annuity.":"Pensjoni tax-xjuħija ta' Sodra: parti ġenerali {g} (pensjoni bażika €327,91 × {y} snin ÷ 34,5 snin meħtieġa) flimkien ma' parti individwali {i} ({u} unitajiet tal-pensjoni × €8,11). L-età tal-pensjoni hi mill-2026 għal kulħadd 65 b'mill-inqas 15-il sena; sa 5 snin qabel b'karriera sħiħa, 0,32% inqas fix-xahar. Il-pensjonijiet fi ħdan l-ammont mhux taxxabbli mhumiex intaxxati; it-tieni pilastru jħallas annwità tiegħu.","VSD 12.52% + PSD 6.98% on 90% of profit":"VSD 12,52% + PSD 6,98% fuq 90% tal-profitt","Severance pay ({m} months, Labour Code art. 57)":"Ħlas ta' redundancy ({m} xhur, Kodiċi tax-Xogħol art. 57)","Long-service benefit from the Guarantee Fund ({m} months)":"Benefiċċju għal servizz twil mill-Fond ta' Garanzija ({m} xhur)","{a} a month in months 1–3, then less, for up to 9 months (€172.95 + 45% / 35% / 25% of insured income; €370–€1,618.51; rules from 1 July 2026)":"{a} fix-xahar fix-xhur 1–3, imbagħad inqas, sa 9 xhur (€172,95 + 45% / 35% / 25% tad-dħul assigurat; €370–€1.618,51; regoli mill-1 ta' Lulju 2026)","Guarantee Fund":"Fond ta' Garanzija","1 month (2 months shortly before pension or with young children)":"Xahar 1 (2 xhur qrib il-pensjoni jew bi tfal żgħar)","Labour Code art. 57":"Kodiċi tax-Xogħol art. 57","Lithuania":"Litwanja","Employment income is taxed at 20% up to 36 average wages a year (€83,237), 25% up to 60 average wages (€138,729) and 32% above (new from 2026). The monthly tax-free amount (NPD) is €747 for pay up to the €1,153 minimum wage and falls by 49 cents per euro above it, ending at about €2,677.":"Id-dħul mix-xogħol jiġi ntaxxat b'20% sa 36 paga medja fis-sena (€83.237), 25% sa 60 paga medja (€138.729) u 32% aktar minn hekk (ġdid mill-2026). L-ammont mhux taxxabbli ta' kull xahar (NPD) hu €747 għal paga sal-paga minima ta' €1.153 u jonqos b'49 ċenteżmu għal kull ewro aktar minn hekk, sakemm jispiċċa madwar €2.677.","Sodra contributions":"Kontribuzzjonijiet ta' Sodra","Employees pay 19.5%: 12.52% social insurance (pension 8.72%, sickness 2.09%, maternity 1.71%), capped at 60 average wages a year, and 6.98% health insurance without a cap. Employers pay 1.77% (2.49% on fixed-term contracts). Members of the second pillar add 3% of pay, topped up by the state.":"L-impjegati jħallsu 19,5%: 12,52% sigurtà soċjali (pensjoni 8,72%, mard 2,09%, ġenituri 1,71%), b'limitu ta' 60 paga medja fis-sena, u 6,98% assigurazzjoni tas-saħħa mingħajr limitu. L-impjegaturi jħallsu 1,77% (2,49% għal kuntratti b'terminu fiss). Il-membri tat-tieni pilastru jħallsu 3% tal-paga żejda, b'kontribuzzjoni mill-Istat.","Overtime and night work are paid at least 1.5 times the normal rate, and work on a rest day or public holiday at least double. Overtime may not exceed 8 hours in a 7-day period without consent, and 180 hours a year.":"Is-sahra u x-xogħol bil-lejl jitħallsu mill-inqas 1,5 darbiet il-paga normali, u x-xogħol f'jum ta' mistrieħ jew festa mill-inqas doppju. Mingħajr kunsens, is-sahra ma tistax taqbeż 8 sigħat f'7 ijiem u 180 siegħa fis-sena.","180 h / year":"180 siegħa / sena","Individual activity (pažyma)":"Attività individwali (pažyma)","You can deduct actual expenses or a flat 30% of income. Profit up to €20,000 is taxed at 5%; the rate rises to 15% at €35,000 and 20% at €42,500, and above that the general 20% / 25% / 32% scale applies (from 2026). Social insurance (VSD 12.52%) and health insurance (PSD 6.98%) are paid on 90% of profit.":"Tista' tnaqqas l-ispejjeż reali jew 30% fissa tad-dħul. Profitt sa €20.000 jiġi ntaxxat b'5%; ir-rata togħla għal 15% b'€35.000 u 20% b'€42.500, u aktar minn hekk tapplika l-iskala ġenerali ta' 20% / 25% / 32% (mill-2026). Is-sigurtà soċjali (VSD 12,52%) u l-assigurazzjoni tas-saħħa (PSD 6,98%) jitħallsu fuq 90% tal-profitt.","Sodra old-age pension":"Pensjoni tax-xjuħija ta' Sodra","The pension has a general part, the basic pension (€327.91 in 2026) scaled by your years of insurance against the required record (34.5 years in 2026, 35 from 2027), and an individual part: one pension unit for each year at the average wage (up to 5 a year), worth €8.11 each in 2026.":"Il-pensjoni għandha parti ġenerali, il-pensjoni bażika (€327,91 fl-2026) fi proporzjon mas-snin assigurati tiegħek kontra dawk meħtieġa (34,5 sena fl-2026, 35 mill-2027), u parti individwali: unità tal-pensjoni waħda għal kull sena bil-paga medja (sa 5 fis-sena), li kull waħda tiswa €8,11 fl-2026.","Age and early pension":"Età u pensjoni bikrija","From 2026 the pension age is 65 for men and women, with at least 15 years. With the full required record you can retire up to 5 years earlier, with 0.32% less for each month. People without enough years can receive the social assistance pension (€261 a month).":"Mill-2026 l-età tal-pensjoni hi 65 għall-irġiel u n-nisa, b'mill-inqas 15-il sena. B'karriera sħiħa meħtieġa tista' toħroġ sa 5 snin qabel, b'0,32% inqas għal kull xahar. Min m'għandux biżżejjed snin jista' jieħu pensjoni soċjali (€261 fix-xahar).","Third-pillar pension contributions can be deducted from taxable income in the annual return (together with other allowable expenses, up to 25% of income).":"Il-kontribuzzjonijiet għat-tielet pilastru jistgħu jitnaqqsu mid-dħul taxxabbli fid-dikjarazzjoni annwali (flimkien ma' spejjeż oħra li jitnaqqsu, sa 25% tad-dħul).","Third-pillar pension funds and life insurance: contributions reduce your income tax in the annual return, and payouts after pension age (or after at least 18 years) are tax-free. The second pillar (3% of your pay plus a state top-up) is a separate account inside Sodra’s system.":"Fondi tal-pensjoni tat-tielet pilastru u assigurazzjoni tal-ħajja: il-kontribuzzjonijiet inaqqsu t-taxxa fid-dikjarazzjoni, u l-ħlasijiet wara l-età tal-pensjoni (jew wara mill-inqas 18-il sena) huma ħielsa mit-taxxa. It-tieni pilastru (3% tal-paga tiegħek flimkien ma' kontribuzzjoni mill-Istat) hu kont separat fis-sistema ta' Sodra.","Restoration of the State":"Ir-Restawr tal-Istat","Mother’s Day":"Jum l-Omm","Father’s Day":"Jum il-Missier","St John’s Day (Midsummer)":"San Ġwann (Nofs is-Sajf)","Statehood Day":"Jum l-Istat","All Souls’ Day":"Jum il-Mejtin","20 working days of paid leave a year for a 5-day week (24 for a 6-day week); 25 days for workers under 18, single parents of children under 14 and disabled workers. Mother’s Day and Father’s Day always fall on a Sunday. Amendments to the Labour Code take effect on 1 November 2026.":"20 jum tax-xogħol leave imħallas fis-sena għal ġimgħa ta' 5 ijiem (24 għal ġimgħa ta' 6 ijiem); 25 jum għal impjegati taħt it-18, ġenituri waħedhom bi tfal taħt l-14 u persuni b'diżabbiltà. Jum l-Omm u Jum il-Missier dejjem jaħbtu l-Ħadd. Bidliet fil-Kodiċi tax-Xogħol jidħlu fis-seħħ fl-1 ta' Novembru 2026.","126 days (70 before and 56 after the birth)":"126 jum (70 qabel u 56 wara t-twelid)","77.58% of insured income":"77,58% tad-dħul assigurat","30 days during the first 3 months":"30 jum fl-ewwel 3 xhur","Until the child is 18 or 24 months (2 months reserved for each parent)":"Sakemm it-tifel jew it-tifla jilħqu 18 jew 24 xahar (2 xhur riżervati għal kull ġenitur)","60% of income (18 months) or 45% then 30% (24 months)":"60% tad-dħul (18-il xahar) jew 45% u mbagħad 30% (24 xahar)","Child money (vaiko pinigai)":"Flus għat-tfal (vaiko pinigai)","€129.50 a month per child up to 18 (longer in education)":"€129,50 fix-xahar għal kull tifel jew tifla sa 18 (aktar jekk jistudjaw)","Days 1–2 paid by the employer, then by Sodra":"Jiem 1–2 iħallas l-impjegatur, imbagħad Sodra","62.06% of insured income":"62,06% tad-dħul assigurat","Dismissed at the employer’s initiative (not my fault)":"Imkeċċi fuq inizjattiva tal-impjegatur (mingħajr ħtija tiegħi)","When the employer dismisses you without your fault the notice is 1 month (2 months if you are less than 5 years from pension age or raise young children). Severance is 2 average monthly wages, or half a month under 1 year of service; with 5, 10 or 20 years the Guarantee Fund adds a long-service benefit of 1, 2 or 3 months.":"Meta l-impjegatur ikeċċik mingħajr ħtija tiegħek, l-avviż hu xahar (2 xhur jekk għandek inqas minn 5 snin għall-età tal-pensjoni jew qed trabbi tfal żgħar). Il-ħlas ta' redundancy hu 2 pagi medji ta' xahar, jew nofs xahar taħt sena servizz; b'5, 10 jew 20 sena l-Fond ta' Garanzija jżid 1, 2 jew 3 xhur għal servizz twil.","From 1 July 2026: a fixed part of 15% of the minimum wage (€172.95) plus 45% of your average insured income in months 1–3, 35% in months 4–6 and 25% in months 7–9; at least €370 and at most €1,618.51 a month. You need 12 months of insurance in the last 24.":"Mill-1 ta' Lulju 2026: parti fissa ta' 15% tal-paga minima (€172,95) flimkien ma' 45% tad-dħul assigurat medju tiegħek fix-xhur 1–3, 35% fix-xhur 4–6 u 25% fix-xhur 7–9; minimu ta' €370 u massimu ta' €1.618,51 fix-xahar. Għandek bżonn 12-il xahar assigurat fl-aħħar 24.","Between €1,153 and €2,677 a month the tax-free amount shrinks by 49 cents per euro, so each extra euro costs about 30% in tax on top of Sodra.":"Bejn €1.153 u €2.677 fix-xahar, l-ammont mhux taxxabbli jiċkien b'49 ċenteżmu għal kull ewro, għalhekk kull ewro żejjed jiswa madwar 30% taxxa minbarra Sodra.","Joining the second pillar adds 3% of your pay to your own account, and the state adds a top-up.":"Jekk tingħaqad mat-tieni pilastru, 3% tal-paga tiegħek imorru fil-kont tiegħek, u l-Istat iżid kontribuzzjoni.","Child money (€129.50 a month per child) is shown separately. Each spouse is taxed individually; there is no joint filing.":"Il-flus għat-tfal (€129,50 fix-xahar għal kull tifel jew tifla) jidhru separatament. Il-konjuġi jiġu ntaxxati separatament; m'hemmx dikjarazzjoni konġunta.","2 months + Guarantee Fund benefit":"2 xhur + benefiċċju mill-Fond ta' Garanzija","126 days at 77.58%, then childcare leave at 60% until 18 months":"126 jum b'77,58%, imbagħad leave tal-ġenituri b'60% sa 18-il xahar","30 days at 77.58%":"30 jum b'77,58%","Until 18 or 24 months, 2 months reserved per parent":"Sa 18 jew 24 xahar, 2 xhur riżervati għal kull ġenitur","62.06% (employer days 1–2)":"62,06% (l-impjegatur jiem 1–2)","Annual tax and Sodra contributions for one employee with the 2026 rules, not in the second pillar. Allowable expenses in the annual return (other than pension savings), the extra NPD for disability and contracts other than employment are not modelled.":"Taxxa u kontribuzzjonijiet ta' Sodra annwali għal impjegat bir-regoli tal-2026, mhux fit-tieni pilastru. L-ispejjeż li jitnaqqsu fid-dikjarazzjoni annwali (ħlief it-tfaddil tal-pensjoni), NPD żejjed għad-diżabbiltà u kuntratti oħra minbarra l-impjieg ma jiġux ikkalkulati.","Official sources: State Tax Inspectorate (VMI: tax changes from 1 January 2026, NPD), Sodra (contribution rates, VDU 2026, pension units, unemployment benefit from 1 July 2026), Ministry of Social Security and Labour (basic pension, child money), Labour Code, Bank of Lithuania (lending limits), Eurostat.":"Sorsi uffiċjali: l-Ispettorat tat-Taxxa tal-Istat (VMI: bidliet fit-taxxa mill-1 ta' Jannar 2026, NPD), Sodra (rati tal-kontribuzzjonijiet, VDU 2026, unitajiet tal-pensjoni, benefiċċju tal-qgħad mill-1 ta' Lulju 2026), il-Ministeru tas-Sigurtà Soċjali u x-Xogħol (pensjoni bażika, flus għat-tfal), il-Kodiċi tax-Xogħol, il-Bank tal-Litwanja (limiti tas-self), Eurostat.","Net pay on €2,000 a month":"Paga netta b'€2.000 fix-xahar","Monthly tax-free amount on the minimum wage":"Ammont mhux taxxabbli ta' kull xahar bil-paga minima","Income tax on €150,000 of yearly pay (after NPD)":"Taxxa fuq id-dħul fuq €150.000 paga annwali (wara n-NPD)","Unemployment benefit, month 1, insured income €2,000":"Benefiċċju tal-qgħad, xahar 1, dħul assigurat ta' €2.000","Child money, 2 children (per year)":"Flus għat-tfal, 2 tfal (fis-sena)","Social insurance contributions (VSAOI) 10.5%":"Kontribuzzjonijiet soċjali (VSAOI) 10,5%","Personal income tax 25.5% (33% above €105,300)":"Taxxa fuq id-dħul 25,5% (33% fuq €105.300)","Non-taxable minimum and dependant allowances (per year)":"Minimu mhux taxxabbli u allowance għad-dipendenti (fis-sena)","Employer contributions 23.59% + risk duty":"Kontribuzzjonijiet tal-impjegatur 23,59% + imposta tar-riskju","Notional account pension: the {c} recorded on your account (14% of pay each year, as a second-pillar member, indexed to wages) divided by G = {g} years of expected payout at your age and by 12. Pension age is 65 with at least 20 years; with 30 years you can retire from 63 but receive only 50% until 65. Pensions above €1,000 a month pay 25.5% income tax. Your second-pillar fund (6% of pay) is paid on top.":"Pensjoni minn kont nozzjonali: il-{c} fil-kont tiegħek (14% tal-paga kull sena bħala membru tat-tieni pilastru, indiċjati mal-pagi) diviżi b'G = {g} snin ta' ħlas mistenni fl-età tiegħek u bi 12. L-età tal-pensjoni hi 65 b'mill-inqas 20 sena; bi 30 sena tista' toħroġ minn 63 iżda tieħu biss 50% sa 65. Pensjonijiet ta' aktar minn €1.000 fix-xahar iħallsu 25,5% taxxa fuq id-dħul. Il-fond tiegħek tat-tieni pilastru (6% tal-paga) jitħallas minbarra dan.","VSAOI 31.07% up to the minimum wage + 10% pension above":"VSAOI 31,07% sal-paga minima + 10% pensjoni fuq dik","Redundancy pay ({m} months, Labour Law s. 112)":"Ħlas ta' redundancy ({m} xhur, Liġi tax-Xogħol § 112)","{a} a month in months 1–2 ({p} of your average insured pay), then 75%, 50% and 45% of that, 8 months in total":"{a} fix-xahar fix-xhur 1–2 ({p} tal-paga assigurata medja tiegħek), imbagħad 75%, 50% u 45% ta' dan, 8 xhur b'kollox","Labour Law s. 103":"Liġi tax-Xogħol § 103","Latvia":"Latvja","Pay is taxed at 25.5% after social insurance and the non-taxable minimum of €550 a month (€250 more per dependant); yearly income above €105,300 is taxed at 33%, settled in the annual return. The non-taxable minimum applies only with the employer that holds your tax book.":"Il-paga tiġi ntaxxata b'25,5% wara l-kontribuzzjonijiet soċjali u l-minimu mhux taxxabbli ta' €550 fix-xahar (€250 iżjed għal kull dipendent); dħul annwali ta' aktar minn €105.300 jiġi ntaxxat b'33% u jiġi rrankat fid-dikjarazzjoni annwali. Il-minimu mhux taxxabbli japplika biss mal-impjegatur li għandu l-ktieb tat-taxxa tiegħek.","Employees pay 10.5% and employers 23.59% of pay up to €105,300 a year, plus a business risk duty of €0.36 a month. Of the pension part, 6% goes to the second-pillar fund for most workers. Minimum wage €780 a month.":"L-impjegati jħallsu 10,5% u l-impjegaturi 23,59% tal-paga sa €105.300 fis-sena, flimkien ma' imposta tar-riskju tan-negozju ta' €0,36 fix-xahar. Mis-sehem tal-pensjoni, 6% imorru fil-fond tat-tieni pilastru għall-biċċa l-kbira. Paga minima €780 fix-xahar.","Labour Law":"Liġi tax-Xogħol","Overtime is paid with at least 100% extra and may not exceed 144 hours in a 4-month period. Night work earns at least 50% extra, and work on a public holiday at least 100% extra.":"Is-sahra titħallas b'żieda ta' mill-inqas 100% u ma tistax taqbeż 144 siegħa f'perjodu ta' 4 xhur. Ix-xogħol bil-lejl jagħti mill-inqas 50% iżjed u x-xogħol f'jum ta' festa mill-inqas 100% iżjed.","144 h / 4 months":"144 siegħa / 4 xhur","Self-employed (general regime)":"Self-employed (sistema ġenerali)","Contributions are 31.07% on income up to the €780 monthly minimum wage and a 10% pension contribution on the income above it. Income tax is 25.5% of profit after contributions and the non-taxable minimum (33% above €105,300). The micro-enterprise tax and patent fee regimes are not modelled.":"Il-kontribuzzjonijiet huma 31,07% fuq dħul sal-paga minima ta' kull xahar ta' €780 u kontribuzzjoni għall-pensjoni ta' 10% fuq id-dħul aktar minn hekk. It-taxxa fuq id-dħul hi 25,5% tal-profitt wara l-kontribuzzjonijiet u l-minimu mhux taxxabbli (33% fuq €105.300). It-taxxa tal-mikro-negozji u t-tariffa tal-privattiva ma jiġux ikkalkulati.","Notional account pension":"Pensjoni minn kont nozzjonali","Contributions of 14% of pay (20% if you are not in the second pillar) are recorded on a personal account and indexed with the national wage bill. At retirement the capital is divided by G, the expected payout period at your age (17.24 years at 65 in the 2025 table, updated each January from life expectancy).":"Il-kontribuzzjonijiet ta' 14% tal-paga (20% jekk m'intix fit-tieni pilastru) jiġu rreġistrati f'kont personali u indiċjati mal-massa nazzjonali tal-pagi. Meta tirtira, il-kapital jiġi diviż b'G, iż-żmien mistenni tal-ħlas fl-età tiegħek (17,24 sena fl-età ta' 65 fit-tabella tal-2025, aġġornata kull Jannar skont l-istennija tal-ħajja).","Age and minimum":"Età u minimu","Pension age is 65 with at least 20 years of insurance. With 30 years you can retire 2 years earlier, but the pension is paid at 50% until 65. A minimum pension applies (base €213 in 2026, more with longer service); pensions above €1,000 a month are taxed at 25.5%.":"L-età tal-pensjoni hi 65 b'mill-inqas 20 sena assigurati. Bi 30 sena tista' toħroġ 2 snin qabel, iżda l-pensjoni titħallas b'50% sa 65. Hemm pensjoni minima (bażi €213 fl-2026, aktar b'karriera itwal); pensjonijiet ta' aktar minn €1.000 fix-xahar jiġu ntaxxati b'25,5%.","Contributions to a private pension fund (third pillar) reduce taxable income by up to 20% of it and at most €4,000 a year (together with life insurance and investment accounts).":"Il-kontribuzzjonijiet għal fond privat tal-pensjoni (it-tielet pilastru) inaqqsu d-dħul taxxabbli sa 20% tiegħu u massimu ta' €4.000 fis-sena (flimkien mal-assigurazzjoni tal-ħajja u l-kontijiet tal-investiment).","Private pension funds (third pillar): contributions reduce your income tax and the money can be taken from age 55 (from 60 for newer contracts). The second pillar, financed from 6% of your pay, is a separate fund paid with your state pension.":"Fondi privati tal-pensjoni (it-tielet pilastru): il-kontribuzzjonijiet inaqqsu t-taxxa u l-flus jistgħu jinġibdu mill-età ta' 55 (minn 60 għal kuntratti aktar ġodda). It-tieni pilastru, iffinanzjat minn 6% tal-paga tiegħek, hu fond separat li jitħallas flimkien mal-pensjoni tal-Istat.","Midsummer Eve (Līgo)":"Lejlet Nofs is-Sajf (Līgo)","Midsummer Day (Jāņi)":"Jum Nofs is-Sajf (Jāņi)","New Year’s Eve":"Lejlet l-Ewwel tas-Sena","At least 4 calendar weeks of paid leave a year (20 working days), not counting public holidays; parents of children under 14 get extra days. 4 May and 18 November move to Monday when they fall on a weekend.":"Mill-inqas 4 ġimgħat kalendarji leave imħallas fis-sena (20 jum tax-xogħol), mingħajr ma jingħaddu l-festi; il-ġenituri bi tfal taħt l-14 jieħdu jiem żejda. Ir-4 ta' Mejju u t-18 ta' Novembru jiġu ttrasferiti għat-Tnejn meta jaħbtu fi tmiem il-ġimgħa.","112 days (56 before and 56 after the birth)":"112-il jum (56 qabel u 56 wara t-twelid)","80% of average insured pay":"80% tal-paga assigurata medja","10 working days within 6 months of the birth":"10 ijiem tax-xogħol fi żmien 6 xhur mit-twelid","Until the child is 1 (or 1½); 2 months reserved for each parent":"Sakemm it-tifel jew it-tifla jilħqu l-età ta' 1 (jew 1½); 2 xhur riżervati għal kull ġenitur","43.75% (or 30% over 1½ years) of insured pay; 60% for the reserved months":"43,75% (jew 30% fuq perjodu ta' 1½ sena) tal-paga assigurata; 60% għax-xhur riżervati","Family state benefit":"Benefiċċju tal-Istat għall-familja","€25 a month for one child, €100 for two, €225 for three, €100 per child for four or more":"€25 fix-xahar għal tifel jew tifla, €100 għal tnejn, €225 għal tlieta, €100 għal kull wieħed għal erbgħa jew aktar","Days 2–10 paid by the employer, then sickness benefit from VSAA":"Jiem 2–10 iħallas l-impjegatur, imbagħad benefiċċju tal-mard mill-VSAA","75% (days 2–3), then 80%":"75% (jiem 2–3), imbagħad 80%","Dismissed for redundancy or other reasons not my fault":"Imkeċċi minħabba redundancy jew raġunijiet oħra mingħajr ħtija tiegħi","The employer gives 1 month’s notice (10 days in some cases). Redundancy pay is 1 month’s average earnings with less than 5 years of service, 2 months for 5–10 years, 3 months for 10–20 years and 4 months after 20 years. It is subject to income tax but not to social insurance.":"L-impjegatur jagħti avviż ta' 1 xahar (10 ijiem f'ċerti każijiet). Il-ħlas ta' redundancy hu paga medja ta' 1 xahar b'inqas minn 5 snin servizz, 2 xhur b'5–10 snin, 3 xhur b'10–20 sena u 4 xhur wara 20 sena. Jiġi ntaxxat bit-taxxa fuq id-dħul iżda mhux bil-kontribuzzjonijiet soċjali.","50% of your average insured pay with 1–9 years of insurance, 55% with 10–19, 60% with 20–29 and 65% with 30 or more, for months 1–2; then 75% of that in months 3–4, 50% in 5–6 and 45% in 7–8. From 1 April 2026 any work income suspends the benefit.":"50% tal-paga assigurata medja tiegħek b'1–9 snin assigurati, 55% b'10–19, 60% b'20–29 u 65% bi 30 jew aktar, fix-xhur 1–2; imbagħad 75% ta' dan fix-xhur 3–4, 50% fil-5–6 u 45% fis-7–8. Mill-1 ta' April 2026 kwalunkwe dħul mix-xogħol iwaqqaf il-benefiċċju.","Give your tax book to your main employer, or the €550 non-taxable minimum is applied only in the annual return.":"Agħti l-ktieb tat-taxxa tiegħek lill-impjegatur prinċipali tiegħek, inkella l-minimu mhux taxxabbli ta' €550 jiġi applikat biss fid-dikjarazzjoni annwali.","The family state benefit is shown separately (€25 a month for one child, €100 for two, €225 for three). Each dependant child adds €250 a month to the non-taxable amount of the parent who claims them.":"Il-benefiċċju tal-Istat għall-familja jidher separatament (€25 fix-xahar għal tifel jew tifla, €100 għal tnejn, €225 għal tlieta). Kull tifel jew tifla dipendenti jżid €250 fix-xahar mal-ammont mhux taxxabbli tal-ġenitur li jiddikjarah.","Redundancy pay ({m} months)":"Ħlas ta' redundancy ({m} xhur)","112 days at 80%, then parental benefit until age 1":"112-il jum b'80%, imbagħad benefiċċju tal-ġenituri sa età ta' 1","10 working days at 80%":"10 ijiem tax-xogħol b'80%","Until age 1 or 1½, 2 months reserved per parent":"Sa età ta' 1 jew 1½, 2 xhur riżervati għal kull ġenitur","75–80% (employer days 2–10)":"75–80% (l-impjegatur jiem 2–10)","Annual tax and contributions for one employee whose tax book is with this employer, with the 2026 rules. Deductions for education and medical costs, the higher tax-free amount for pensioners and disabled people, and the micro-enterprise regime are not modelled.":"Taxxa u kontribuzzjonijiet annwali għal impjegat li l-ktieb tat-taxxa tiegħu jinsab ma' dan l-impjegatur, bir-regoli tal-2026. It-tnaqqis għall-ispejjeż tal-edukazzjoni u tas-saħħa, l-ammont mhux taxxabbli ogħla għall-pensjonanti u l-persuni b'diżabbiltà u s-sistema tal-mikro-negozji ma jiġux ikkalkulati.","Official sources: State Revenue Service (VID: non-taxable minimum, IIN and VSAOI rates 2026), State Social Insurance Agency (VSAA: pensions, G table, unemployment benefit from 1 April 2026, family benefit), Ministry of Welfare, Labour Law, Bank of Latvia (borrower-based measures), Eurostat.":"Sorsi uffiċjali: is-Servizz tad-Dħul tal-Istat (VID: minimu mhux taxxabbli, rati tal-IIN u tal-VSAOI 2026), l-Aġenzija tal-Istat tal-Assigurazzjoni Soċjali (VSAA: pensjonijiet, tabella G, benefiċċju tal-qgħad mill-1 ta' April 2026, benefiċċju għall-familja), il-Ministeru tal-Ġid, il-Liġi tax-Xogħol, il-Bank tal-Latvja (miżuri bbażati fuq min jissellef), Eurostat.","Net pay on the €780 minimum wage":"Paga netta bil-paga minima ta' €780","Income tax on €120,000 of taxable income":"Taxxa fuq id-dħul fuq €120.000 dħul taxxabbli","Pension from €100,000 of capital at 65 (per month)":"Pensjoni minn €100.000 kapital fl-età ta' 65 (fix-xahar)","Redundancy pay after 12 years (months)":"Ħlas ta' redundancy wara 12-il sena (xhur)","Unemployment benefit rate with 22 years insured":"Rata tal-benefiċċju tal-qgħad bi 22 sena assigurati","Family state benefit, 2 children (per year)":"Benefiċċju tal-Istat għall-familja, 2 tfal (fis-sena)","Social contributions 23.1% (pension 15.5%, health 6.36%, long-term care 1%, other 0.24%)":"Kontribuzzjonijiet soċjali 23,1% (pensjoni 15,5%, saħħa 6,36%, kura fit-tul 1%, oħrajn 0,24%)","Compulsory health contribution (€39.36 a month)":"Kontribuzzjoni obbligatorja tas-saħħa (€39,36 fix-xahar)","Income tax (dohodnina, 16–50%)":"Taxxa fuq id-dħul (dohodnina, 16–50%)","General tax relief (per year)":"Allowance ġenerali tat-taxxa (fis-sena)","Employer contributions 17.1%":"Kontribuzzjonijiet tal-impjegatur 17,1%","Old-age pension: {a} of your pension base ({b}, the average net pay of your best 24 years, revalued), from 29.5% for 15 years plus 1.36 points a year (63.5% at 40 years; up to 3 points more for each of years 41–43). You can retire at 65 with 15 years or at 60 with 40 years. An annual allowance is paid each autumn; tax on larger pensions is not deducted here.":"Pensjoni tax-xjuħija: {a} tal-bażi tal-pensjoni tiegħek ({b}, il-paga netta medja fl-aqwa 24 sena tiegħek, indiċjata), minn 29,5% għal 15-il sena flimkien ma' 1,36 punti perċentwali fis-sena (63,5% b'40 sena; sa 3 punti perċentwali aktar għal kull waħda mis-snin 41–43). Tista' tirtira fl-età ta' 65 bi 15-il sena jew fl-età ta' 60 b'40 sena. Allowance annwali titħallas kull ħarifa; it-taxxa fuq pensjonijiet ogħla mhix imnaqqsa hawn.","Minimum contributions of a sole trader (€651.04 a month)":"Kontribuzzjonijiet minimi għal negozju individwali (€651,04 fix-xahar)","Severance pay ({f} of monthly pay per year of service)":"Ħlas ta' redundancy ({f} tal-paga ta' xahar għal kull sena servizz)","{a} a month in months 1–3 (80% of your average gross pay, €1,037.32–€1,926.44), then 60% and 50%, for {n} months (gross)":"{a} fix-xahar fix-xhur 1–3 (80% tal-paga gross medja tiegħek, €1.037,32–€1.926,44), imbagħad 60% u 50%, għal {n} xhur (gross)","Notice (business reasons)":"Avviż (raġunijiet tan-negozju)","Severance per year":"Ħlas ta' redundancy għal kull sena","{d} days":"{d} ijiem","30 days (60 after 1 year in some contracts)":"30 jum (60 wara 1 sena f'xi kuntratti)","Employment Relationships Act art. 94":"Att dwar ir-Relazzjonijiet tal-Impjieg art. 94","Slovenia":"Slovenja","Income tax (dohodnina) 2026":"Taxxa fuq id-dħul (dohodnina) 2026","The yearly net tax base is taxed at 16% up to €9,721.43, 26% up to €28,592.44, 33% up to €57,184.88, 39% up to €82,346.23 and 50% above. The general relief is €5,551.93, increased by 20,832.39 − 1.17259 × income for total income up to €17,766.18. Reliefs for children and the young are not included.":"Il-bażi netta annwali tiġi ntaxxata b'16% sa €9.721,43, 26% sa €28.592,44, 33% sa €57.184,88, 39% sa €82.346,23 u 50% aktar minn hekk. L-allowance ġenerali hi €5.551,93, miżjuda b'20.832,39 − 1,17259 × id-dħul għal dħul totali sa €17.766,18. L-allowances għat-tfal u għaż-żgħażagħ mhumiex inklużi.","Employees pay 23.1% (pension 15.5%, health 6.36%, long-term care 1% since July 2025, parental 0.1%, employment 0.14%) and a flat compulsory health contribution of €39.36 a month. Employers pay 17.1%. Minimum wage €1,481.88 a month from January 2026.":"L-impjegati jħallsu 23,1% (pensjoni 15,5%, saħħa 6,36%, kura fit-tul 1% minn Lulju 2025, protezzjoni tal-ġenituri 0,1%, impjieg 0,14%) u kontribuzzjoni obbligatorja fissa tas-saħħa ta' €39,36 fix-xahar. L-impjegaturi jħallsu 17,1%. Paga minima €1.481,88 fix-xahar minn Jannar 2026.","Employment Relationships Act and collective agreements":"Att dwar ir-Relazzjonijiet tal-Impjieg u ftehimiet kollettivi","Overtime is limited to 8 hours a week, 20 a month and 170 a year; the supplement is set by collective agreements, usually 30%. Night work typically adds 50%, and work on Sundays and public holidays 50% or more.":"Is-sahra hi limitata għal 8 sigħat fil-ġimgħa, 20 fix-xahar u 170 fis-sena; iż-żieda tiġi stabbilita fil-ftehimiet kollettivi, normalment 30%. Ix-xogħol bil-lejl normalment jagħti 50% żieda, u x-xogħol il-Ħadd u fil-festi 50% jew aktar.","8 h / week, 170 h / year":"8 sigħat / ġimgħa, 170 siegħa / sena","Sole trader with normed expenses (normiranec)":"Negozju individwali bi spejjeż normattivi (normiranec)","A full-time normiranec deducts 80% of revenue as normed expenses and pays a final 20% tax on the remaining 20% (4% of revenue). Minimum social contributions are €651.04 a month from March 2026 (40.2% of 60% of the 2025 average wage, plus the flat health contribution). The 2026 reform lowers the revenue limit and adds income brackets; check your eligibility.":"Normiranec full-time inaqqas 80% tad-dħul gross bħala spejjeż normattivi u jħallas taxxa finali ta' 20% fuq l-20% li jifdal (4% tad-dħul gross). Il-kontribuzzjonijiet soċjali minimi huma €651,04 fix-xahar minn Marzu 2026 (40,2% ta' 60% tal-paga medja tal-2025 flimkien mal-kontribuzzjoni fissa tas-saħħa). Ir-riforma tal-2026 tbaxxi l-limitu tad-dħul u ddaħħal faxex tad-dħul; iċċekkja jekk tissodisfax il-kundizzjonijiet.","The pension is a percentage of your pension base, the average net pay of your best 24 consecutive years, revalued: 29.5% for 15 years plus 1.36 points for each further year, 63.5% for 40 years (men and women alike since 2023); years 41–43 add more. From 2035 each year will count 1.6 points (70% at 40 years).":"Il-pensjoni hi perċentwal tal-bażi tal-pensjoni tiegħek, il-paga netta medja fl-aqwa 24 sena konsekuttivi tiegħek, indiċjata: 29,5% għal 15-il sena flimkien ma' 1,36 punti perċentwali għal kull sena żejda, 63,5% għal 40 sena (l-istess għall-irġiel u n-nisa mill-2023); is-snin 41–43 jagħtu aktar. Mill-2035 kull sena tgħodd 1,6 punti perċentwali (70% b'40 sena).","Retirement conditions":"Kundizzjonijiet għall-pensjoni","In 2026: age 60 with 40 years of pension service, or age 65 with at least 15 years of insurance. The 2024 reform raises the general age gradually to 67 from 2028. Pensioners receive an annual allowance each year.":"Fl-2026: 60 sena b'40 sena perjodu pensjonabbli, jew 65 sena b'mill-inqas 15-il sena assigurati. Ir-riforma tal-2024 tgħolli l-età ġenerali gradwalment għal 67 mill-2028. Il-pensjonanti jieħdu allowance annwali kull sena.","Premiums for supplementary pension insurance (PDPZ), yours and your employer’s together, reduce the tax base up to 5.844% of gross pay and at most €2,819.09 a year.":"Il-primjums tal-assigurazzjoni supplimentari tal-pensjoni (PDPZ), tiegħek u tal-impjegatur flimkien, inaqqsu l-bażi sa 5,844% tal-paga gross u massimu ta' €2.819,09 fis-sena.","Voluntary supplementary pension insurance (PDPZ), often co-financed by employers: premiums within the limit are tax-deductible, and the annuity from 60 is taxed (half of it enters the tax base; about 10% of the balance here).":"Assigurazzjoni supplimentari volontarja tal-pensjoni (PDPZ), spiss kofinanzjata mill-impjegatur: il-primjums fi ħdan il-limitu jitnaqqsu, u l-annwità mill-età ta' 60 tiġi ntaxxata (nofsha tidħol fil-bażi; hawn madwar 10% tal-bilanċ).","New Year’s holiday":"Festa tal-Ewwel tas-Sena","Prešeren Day (culture day)":"Jum Prešeren (jum il-kultura)","Day of Uprising Against Occupation":"Jum ir-Rewwixta kontra l-Okkupazzjoni","Labour Day (second day)":"Jum il-Ħaddiem (it-tieni jum)","Reformation Day":"Jum ir-Riforma","Remembrance Day":"Jum it-Tifkira","Independence and Unity Day":"Jum l-Indipendenza u l-Għaqda","At least 4 weeks of paid leave a year (20 days for a 5-day week), plus extra days for older workers, parents of children under 15 and disabled workers. Holidays on a weekend are not moved. Employers must also pay a holiday allowance (regres) of at least the minimum wage, largely free of tax and contributions.":"Mill-inqas 4 ġimgħat leave imħallas fis-sena (20 jum għal ġimgħa ta' 5 ijiem), flimkien ma' jiem żejda għal impjegati anzjani, ġenituri bi tfal taħt il-15 u persuni b'diżabbiltà. Il-festi fi tmiem il-ġimgħa ma jiġux ittrasferiti. L-impjegatur irid iħallas ukoll allowance tal-vaganzi (regres) ta' mill-inqas il-paga minima, fil-biċċa l-kbira ħielsa mit-taxxa u mill-kontribuzzjonijiet.","105 days, starting 28 days before the birth":"105 ijiem, li jibdew 28 jum qabel it-twelid","100% of average pay":"100% tal-paga medja","15 working days until the child is 3 months old":"15-il jum tax-xogħol sakemm it-tifel jew it-tifla jilħqu 3 xhur","90% of average pay":"90% tal-paga medja","160 days per parent (60 not transferable), until the child is 8":"160 jum għal kull ġenitur (60 ma jistgħux jiġu trasferiti), sakemm it-tifel jew it-tifla jagħlqu 8","90% of average pay (with a ceiling)":"90% tal-paga medja (b'limitu)","Monthly amount by family income and number of children":"Ammont fix-xahar skont id-dħul tal-familja u n-numru ta' tfal","Income-tested, not included here":"Ibbażat fuq id-dħul, mhux inkluż hawn","Days 1–20 paid by the employer, then by the health insurance fund (ZZZS)":"Jiem 1–20 iħallas l-impjegatur, imbagħad l-assigurazzjoni tas-saħħa (ZZZS)","80% of pay for illness (90% after 90 days)":"80% tal-paga waqt il-mard (90% wara 90 jum)","Dismissed for business reasons":"Imkeċċi għal raġunijiet tan-negozju","For a dismissal on business grounds the notice is 15 days under 1 year of service, 30 days from 1 year, 2 more days for each year after 2 years up to 60 days, and 80 days after 25 years. Severance is 1/5 of average monthly pay for each year of service with 1–10 years, 1/4 with 10–20 years and 1/3 after 20 years, normally capped at 10 months’ pay; it is free of tax and contributions within the statutory amount.":"Għal tkeċċija għal raġunijiet tan-negozju, l-avviż hu 15-il jum taħt sena servizz, 30 jum minn sena, 2 ijiem iżjed għal kull sena wara 2 snin sa 60 jum, u 80 jum wara 25 sena. Il-ħlas ta' redundancy hu 1/5 tal-paga medja ta' xahar għal kull sena servizz b'1–10 snin, 1/4 għal servizz ta' 10–20 sena u 1/3 wara 20 sena, normalment sa massimu ta' 10 xhur paga; fi ħdan l-ammont statutorju hu ħieles mit-taxxa u mill-kontribuzzjonijiet.","From 2026: 80% of your average gross pay of the last 8 months for months 1–3 (at least €1,037.32, at most €1,926.44), then 60% (with lower ceilings) until month 12 and 50% after. It lasts 3 months with up to 5 years of insurance, 6 with 5–15, 9 with 15–25, 12 above 25 years, and 19 or 25 months for older workers with long careers.":"Mill-2026: 80% tal-paga gross medja tiegħek tal-aħħar 8 xhur fix-xhur 1–3 (minimu ta' €1.037,32, massimu ta' €1.926,44), imbagħad 60% (b'limitu aktar baxx) sax-xahar 12 u 50% wara. Iddum 3 xhur b'sa 5 snin assigurati, 6 b'5–15, 9 b'15–25, 12 b'aktar minn 25 sena u 19 jew 25 xahar għal persuni anzjani b'karriera twila.","Ask about your employer’s supplementary pension plan (PDPZ): premiums up to €2,819.09 a year are free of income tax.":"Staqsi dwar il-pjan supplimentari tal-pensjoni tal-impjegatur tiegħek (PDPZ): primjums sa €2.819,09 fis-sena huma ħielsa mit-taxxa fuq id-dħul.","Child benefit in Slovenia depends on family income and is not included. Each child also gives a tax relief to the parent who claims it (not modelled).":"L-allowance għat-tfal fis-Slovenja tiddependi fuq id-dħul tal-familja u mhix inkluża. Kull tifel jew tifla jagħti wkoll allowance tat-taxxa lill-ġenitur li jiddikjarah (mhux ikkalkulat).","1/5–1/3 of pay per year":"1/5–1/3 tal-paga għal kull sena","105 days at 100%, then parental leave at 90%":"105 ijiem b'100%, imbagħad leave tal-ġenituri b'90%","15 working days at 90%":"15-il jum tax-xogħol b'90%","160 days per parent at 90%":"160 jum għal kull ġenitur b'90%","80% (employer days 1–20)":"80% (l-impjegatur jiem 1–20)","Annual tax and contributions for one employee with the 2026 scale and the general relief only. Child, young-person and other reliefs, the holiday allowance (regres) and Christmas bonuses, and meal and travel allowances are not modelled.":"Taxxa u kontribuzzjonijiet annwali għal impjegat bl-iskala tal-2026 u l-allowance ġenerali biss. L-allowances għat-tfal, għaż-żgħażagħ u oħrajn, l-allowance tal-vaganzi (regres) u l-bonuses tal-Milied, kif ukoll l-allowances tal-ikel u tal-ivvjaġġar, ma jiġux ikkalkulati.","Official sources: Financial Administration (FURS: tax scale and reliefs 2026, Uradni list RS 104/25), ZPIZ (pension accrual and conditions), Employment Service of Slovenia (ESS: unemployment benefit 2026), ZZZS (compulsory health contribution), Employment Relationships Act (ZDR-1), Ministry of Labour (minimum wage 2026), Bank of Slovenia (lending limits), Eurostat.":"Sorsi uffiċjali: l-Amministrazzjoni Finanzjarja (FURS: skala tat-taxxa u allowances 2026, Uradni list RS 104/25), ZPIZ (perċentwali u kundizzjonijiet tal-pensjoni), is-Servizz tal-Impjiegi tas-Slovenja (ESS: benefiċċju tal-qgħad 2026), ZZZS (kontribuzzjoni obbligatorja tas-saħħa), l-Att dwar ir-Relazzjonijiet tal-Impjieg (ZDR-1), il-Ministeru tax-Xogħol (paga minima 2026), il-Bank tas-Slovenja (limiti tas-self), Eurostat.","Income tax on a net tax base of €30,000":"Taxxa fuq id-dħul fuq bażi netta ta' €30.000","General relief at a total income of €15,000":"Allowance ġenerali b'dħul totali ta' €15.000","Employee contributions on €2,500 a month (incl. flat health contribution)":"Kontribuzzjonijiet tal-impjegat b'€2.500 fix-xahar (inkluża l-kontribuzzjoni fissa tas-saħħa)","Pension accrual rate for 40 years":"Livell tal-pensjoni għal 40 sena","Maximum unemployment benefit, months 1–3 (gross)":"L-ogħla benefiċċju tal-qgħad, xhur 1–3 (gross)","Unemployment benefit duration with 20 years insured (months)":"Perjodu tal-benefiċċju b'20 sena assigurati (xhur)","Minimum monthly contributions of a sole trader (from March 2026)":"Kontribuzzjonijiet minimi fix-xahar għal negozju individwali (minn Marzu 2026)","No transfer tax for the buyer (the seller pays income tax on the sale)":"L-ebda taxxa fuq it-trasferiment għax-xerrej (il-bejjiegħ iħallas taxxa fuq id-dħul mill-bejgħ)","Notary fee (regulated tariff) and land registry (ANCPI) 0.15% (estimate, about 1.2%)":"Drittijiet tan-nutar (tariffa regolata) u reġistrazzjoni (ANCPI) 0,15% (stima, madwar 1,2%)","Bank valuation and loan fees (estimate)":"Valutazzjoni tal-bank u tariffi tas-self (stima)","No real estate transfer tax":"L-ebda taxxa fuq it-trasferiment tal-proprjetà","Land registry entry, contract and valuation (estimate)":"Reġistrazzjoni, kuntratt u valutazzjoni (stima)","No transfer tax; notary fee and Centre of Registers fees (estimate, about 0.5%)":"L-ebda taxxa fuq it-trasferiment; nutar u tariffi taċ-Ċentru tar-Reġistri (stima, madwar 0,5%)","State fee for registering ownership in the Land Register (1.5% of value for private buyers)":"Tariffa tal-Istat għar-reġistrazzjoni tas-sjieda (1,5% tal-valur għal xerrejja privati)","Notary and mortgage registration (estimate, about 0.3%)":"Nutar u reġistrazzjoni tal-ipoteka (stima, madwar 0,3%)","Real property transfer tax 2% (paid by the seller by law)":"Taxxa fuq it-trasferiment tal-proprjetà 2% (imħallsa mill-bejjiegħ skont il-liġi)","Notary, land registry and loan costs (estimate, about 0.5%)":"Nutar, reġistrazzjoni u spejjeż tas-self (stima, madwar 0,5%)","No tax relief on mortgage interest; the state-guaranteed Noua Casă programme (5% deposit) is not modelled.":"L-ebda tnaqqis tat-taxxa għall-imgħax fuq is-self tad-dar; il-programm Noua Casă garantit mill-Istat (depożitu ta' 5%) mhux ikkalkulat.","No tax relief on mortgage interest (the young people’s interest bonus ended).":"L-ebda tnaqqis tat-taxxa għall-imgħax fuq is-self tad-dar (il-bonus tal-imgħax għaż-żgħażagħ intemm).","No relief for new mortgages (interest deduction only for loans taken before 2009).":"L-ebda tnaqqis għal self ġdid tad-dar (tnaqqis tal-imgħax biss għal self meħud qabel l-2009).","National Bank of Romania: a loan in lei of up to 85% of the value (more with the state-guaranteed Noua Casă programme); total debt payments at most 40% of net income, 45% for the first home loan.":"Il-Bank Nazzjonali tar-Rumanija: self f'lei sa 85% tal-valur (aktar bil-programm Noua Casă garantit mill-Istat); ħlasijiet totali tad-dejn sa 40% tad-dħul nett, 45% għall-ewwel self tad-dar.","National Bank of Slovakia: loan at most 90% of the value (only a limited share of new loans above 80%, with room for young first-time buyers); total debt at most 8 times yearly net income (less from age 41); payments at most 60% of net income after living costs, tested at a higher rate.":"Il-Bank Nazzjonali tas-Slovakkja: self sa 90% tal-valur (sehem limitat biss ta' self ġdid fuq 80%, b'ċertu flessibbiltà għal xerrejja żgħażagħ għall-ewwel darba); dejn totali sa 8 darbiet id-dħul nett annwali (inqas mill-età ta' 41); ħlasijiet sa 60% tad-dħul nett wara l-ispejjeż tal-għajxien, ittestjati b'rata tal-imgħax ogħla.","Bank of Lithuania: 85% of the value for the first home (70% for further homes), payments at most 40% of net income (tested at a higher rate), at most 30 years.":"Il-Bank tal-Litwanja: 85% tal-valur għall-ewwel dar (70% għal djar oħra), ħlasijiet sa 40% tad-dħul nett (ittestjati b'rata tal-imgħax ogħla), massimu ta' 30 sena.","Bank of Latvia: loan at most 90% of the value, payments at most 40% of net income (45% for energy-efficient homes), total debt at most 6 times yearly net income (8 times for energy-efficient homes), at most 30 years.":"Il-Bank tal-Latvja: self sa 90% tal-valur, ħlasijiet sa 40% tad-dħul nett (45% għal djar effiċjenti fl-enerġija), dejn totali sa 6 darbiet id-dħul nett annwali (8 darbiet għal djar effiċjenti fl-enerġija), massimu ta' 30 sena.","Bank of Slovenia: payments at most 50% of net income (with a protected minimum for low incomes) and loans of up to 80% of the property value.":"Il-Bank tas-Slovenja: ħlasijiet sa 50% tad-dħul nett (b'minimu protett għal dħul baxx) u self sa 80% tal-valur tad-dar.","Gross needed: {g} a month ({y} a year without bonus)":"Gross meħtieġ: {g} fix-xahar ({y} fis-sena mingħajr bonus)","I enter":"Ndaħħal","Gross pay (before tax)":"Il-paga gross (qabel it-taxxa)","The net pay I want (find the gross)":"Il-paga netta li rrid (sib il-gross)","These results use the {y} rules. The {n} changes (new tax bands, contribution caps, minimum wages, pension values) are being added country by country; until then, results for {n} can differ.":"Dawn ir-riżultati jużaw ir-regoli tal-{y}. Il-bidliet tal-{n} (faxex ġodda tat-taxxa, limiti tal-kontribuzzjonijiet, pagi minimi, ammonti tal-pensjonijiet) qed jiżdiedu pajjiż b'pajjiż; sa dakinhar, ir-riżultati għall-{n} jistgħu jkunu differenti.","These results use the {y} rules for {c}. The {n} changes (new tax bands, contribution caps, minimum wage, pension values) are being added; until then, results for {n} can differ.":"Dawn ir-riżultati jużaw ir-regoli tal-{y} għal {c}. Il-bidliet tal-{n} (faxex ġodda tat-taxxa, limiti tal-kontribuzzjonijiet, paga minima, ammonti tal-pensjonijiet) qed jiżdiedu; sa dakinhar, ir-riżultati għall-{n} jistgħu jkunu differenti.","{y} rules for every country":"Regoli tal-{y} għall-pajjiżi kollha","{y} rules for {c}":"Regoli tal-{y} għal {c}","Last checked against official sources: {m}":"L-aħħar verifika ma' sorsi uffiċjali: {m}","Public holidays on weekdays in 2026 (Ontario)":"Festi f'jiem tax-xogħol fl-2026 (Ontario)","Legal minimum annual leave (working days)":"Leave annwali minimu legali (jiem tax-xogħol)","Ontario land transfer tax on a $500,000 home (not a first-time buyer)":"Taxxa fuq it-trasferiment tal-Ontario fuq dar ta' $500.000 (mhux l-ewwel xiri)","Stamp tax on a $100,000,000 mortgage loan":"Taxxa tal-bolli fuq self tad-dar ta' $100.000.000","Transfer tax on a €200,000 home":"Taxxa fuq it-trasferiment fuq dar ta' €200.000","Alberta":"Alberta","British Columbia":"Kolumbja Brittanika","Manitoba":"Manitoba","New Brunswick":"New Brunswick","Newfoundland and Labrador":"Newfoundland u Labrador","Nova Scotia":"Nova Scotia","Ontario":"Ontario","Prince Edward Island":"Gżira tal-Prinċep Edward","Quebec":"Quebec","Saskatchewan":"Saskatchewan","Québec Pension Plan (QPP) 6.30%":"Pjan tal-Pensjoni ta' Quebec (QPP) 6,30%","Canada Pension Plan (CPP) 5.95%":"Pjan tal-Pensjoni tal-Kanada (CPP) 5,95%","Second additional QPP 4% (QPP2)":"It-tieni kontribuzzjoni addizzjonali QPP 4% (QPP2)","Second additional CPP 4% (CPP2)":"It-tieni kontribuzzjoni addizzjonali CPP 4% (CPP2)","Employment Insurance 1.30%":"Assigurazzjoni tal-Impjieg (EI) 1,30%","Employment Insurance 1.63%":"Assigurazzjoni tal-Impjieg (EI) 1,63%","Québec Parental Insurance Plan 0.430%":"Assigurazzjoni tal-Ġenituri ta' Quebec 0,430%","Federal income tax (after the 16.5% Quebec abatement)":"Taxxa federali fuq id-dħul (wara t-tnaqqis ta' 16,5% ta' Quebec)","Provincial income tax ({p})":"Taxxa provinċjali fuq id-dħul ({p})","Ontario Health Premium":"Primjum tas-Saħħa tal-Ontario","Federal basic personal amount":"Ammont personali bażiku federali","Employer QPP, EI (1.4 times yours) and QPIP":"Kontribuzzjonijiet tal-impjegatur QPP, EI (1,4 darbiet tiegħek) u QPIP","Employer CPP and EI (1.4 times yours)":"Kontribuzzjonijiet tal-impjegatur CPP u EI (1,4 darbiet tiegħek)","CPP retirement pension {c} a month: 25% of your average earnings up to the YMPE ($74,600) over your best years, plus the enhancements since 2019 (8.33% of earnings up to the YMPE and 33.33% between $74,600 and $85,000, averaged over 40 years). It is cut by 0.6% for each month before 65 (from 60) and raised by 0.7% a month after 65, up to 70. Old Age Security from 65: {o} a month ({r} of 40 years lived in Canada after 18; up to $762.50 for ages 65–74, 10% more from 75; reduced by 15% of income above $93,454). The Guaranteed Income Supplement for low incomes is not included; tax is estimated for {p}.":"Pensjoni tal-irtirar CPP {c} fix-xahar: 25% tal-qligħ medju tiegħek sal-YMPE ($74.600) fl-aqwa snin tiegħek, flimkien mat-titjib mill-2019 (8,33% tal-qligħ sal-YMPE u 33,33% bejn $74.600 u $85.000, medja fuq 40 sena). Tonqos b'0,6% għal kull xahar qabel il-65 (mill-60) u togħla b'0,7% fix-xahar wara l-65, sas-70. Old Age Security mill-65: {o} fix-xahar ({r} minn 40 sena residenza fil-Kanada wara l-età ta' 18; sa $762,50 għall-età ta' 65–74, 10% aktar mill-75; imnaqqsa b'15% tad-dħul ’il fuq minn $93.454). Is-Supplement tad-Dħul Garantit għal dħul baxx mhux inkluż; it-taxxa hi stmata għal {p}.","QPP both halves 12.6% + QPP2 8% (EI optional, not included)":"QPP iż-żewġ partijiet 12,6% + QPP2 8% (EI volontarja, mhux inkluża)","CPP both halves 11.9% + CPP2 8% (EI optional, not included)":"CPP iż-żewġ partijiet 11,9% + CPP2 8% (EI volontarja, mhux inkluża)","Employment Standards Act, 2000 (s. 57 and 64)":"Employment Standards Act, 2000 (taqsimiet 57 u 64)","Act respecting labour standards (s. 82)":"Liġi dwar l-istandards tax-xogħol ta' Quebec (art. 82)","Employment Standards Act (s. 63)":"Employment Standards Act (taqsima 63)","Employment Standards Code (s. 56)":"Employment Standards Code (taqsima 56)","Pay in lieu of notice ({w} weeks)":"Ħlas minflok avviż ({w} ġimgħat)","Ontario severance pay ({w} weeks, employer payroll of $2.5 million or more)":"Ħlas ta' redundancy tal-Ontario ({w} ġimgħat, paga totali tal-impjegatur ta' mill-inqas $2,5 miljun)","{a} a week for about {n} weeks (55% of insurable earnings, at most $729 a week, after a one-week waiting period; the number of weeks depends on your hours and the regional unemployment rate, here {u}%)":"{a} fil-ġimgħa għal madwar {n} ġimgħat (55% tal-qligħ assigurabbli, l-aktar $729 fil-ġimgħa, wara ġimgħa ta' stennija; in-numru ta' ġimgħat jiddependi fuq is-sigħat tiegħek u r-rata tal-qgħad reġjonali, hawn {u}%)","Minimum notice":"Avviż minimu","{w} weeks":"{w} ġimgħat","None required by law (two weeks is customary)":"L-ebda wieħed skont il-liġi (2 ġimgħat huma s-soltu)","{w} weeks (minimum under the {p} employment standards)":"{w} ġimgħat (minimu skont l-istandards tax-xogħol ta' {p})","Provincial employment standards act":"Liġi provinċjali dwar l-istandards tax-xogħol","Canada":"Kanada","Province":"Provinċja","Regional unemployment rate %":"Rata tal-qgħad reġjonali %","Employer payroll of $2.5 million or more (Ontario severance pay)":"Paga totali tal-impjegatur ta' mill-inqas $2,5 miljun (redundancy tal-Ontario)","Years lived in Canada after age 18 (for OAS)":"Snin ta' residenza fil-Kanada wara l-età ta' 18 (għall-OAS)","Federal rates are 14% up to $58,523, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482 and 33% above (the lowest rate was cut from 15% in 2025). Credits at 14% for the basic personal amount ($16,452, reduced to $14,829 at high incomes), the Canada employment amount ($1,501) and base CPP and EI contributions; the enhanced CPP contributions are deducted from income. In Quebec, federal tax is cut by 16.5%.":"Ir-rati federali huma 14% sa $58.523, 20,5% sa $117.045, 26% sa $181.440, 29% sa $258.482 u 33% ’il fuq (l-aktar rata baxxa tnaqqset minn 15% fl-2025). Krediti ta' 14% għall-ammont personali bażiku ($16.452, imnaqqas għal $14.829 għal dħul għoli), il-Canada employment amount ($1.501) u l-kontribuzzjonijiet bażiċi tas-CPP u l-EI; il-kontribuzzjonijiet imtejba tas-CPP jitnaqqsu mid-dħul. F'Quebec it-taxxa federali titnaqqas b'16,5%.","Provincial income tax":"Taxxa provinċjali fuq id-dħul","Each province has its own brackets and credits; all ten provinces use their 2026 values (British Columbia raised its lowest rate to 5.60% for 2026, Prince Edward Island added a 20% bracket above $200,000, Newfoundland and Labrador raised its basic amount to $13,094). Ontario adds a surtax and the Ontario Health Premium (up to $900); Quebec collects its own tax (14% to 25.75%) with a deduction for workers of up to $1,450.":"Kull provinċja għandha l-faxex u l-krediti tagħha; l-għaxar provinċji kollha jużaw il-valuri tal-2026 (il-Kolumbja Brittanika għolliet l-aktar rata baxxa għal 5,60% għall-2026, il-Gżira tal-Prinċep Edward żiedet faxxa ta' 20% ’il fuq minn $200.000, Newfoundland u Labrador għolliet l-ammont bażiku għal $13.094). L-Ontario żżid surtaxxa u l-Primjum tas-Saħħa (sa $900); Quebec tiġbor it-taxxa tagħha (14% sa 25,75%) b'tnaqqis għall-ħaddiema sa $1.450.","CPP, EI and QPIP":"CPP, EI u QPIP","Employees pay 5.95% CPP on earnings between $3,500 and $74,600 (Quebec: 6.30% QPP) and 4% CPP2 between $74,600 and $85,000; EI is 1.63% up to $68,900 (Quebec 1.30%, plus 0.430% QPIP up to $103,000). Employers match CPP and pay 1.4 times the EI premium.":"L-impjegati jħallsu 5,95% CPP fuq il-qligħ bejn $3.500 u $74.600 (Quebec: 6,30% QPP) u 4% CPP2 bejn $74.600 u $85.000; l-EI hi 1,63% sa $68.900 (Quebec 1,30%, flimkien ma' 0,430% QPIP sa $103.000). L-impjegaturi jħallsu l-istess CPP u 1,4 darbiet il-primjum tal-EI.","Provincial employment standards":"Standards tax-xogħol provinċjali","Overtime is paid at 1.5 times the regular rate after 44 hours a week in Ontario, 40 hours in Quebec, Alberta and most other provinces, and also after 8 hours a day in British Columbia and Alberta (double time after 12 hours in BC). Public holidays worked are paid at 1.5 times plus holiday pay in most provinces.":"Is-sahra titħallas 1,5 darbiet ir-rata normali wara 44 siegħa fil-ġimgħa fl-Ontario, 40 siegħa f'Quebec, Alberta u l-biċċa l-kbira tal-provinċji l-oħra, u wkoll wara 8 sigħat kuljum fil-Kolumbja Brittanika u Alberta (doppju wara 12-il siegħa fil-BC). Ix-xogħol fil-festi jitħallas 1,5 darbiet flimkien mal-paga tal-festa fil-biċċa l-kbira tal-provinċji.","44 h / week in Ontario (40 in most provinces)":"44 siegħa / ġimgħa fl-Ontario (40 fil-biċċa l-kbira tal-provinċji)","Self-employed people pay both halves of CPP (11.9% on profit between $3,500 and $74,600, 12.6% QPP in Quebec) and 8% CPP2 up to $85,000; the employer half and the enhanced part are deductible. EI is optional (special benefits only) and not included. GST/HST registration is required above $30,000 of sales.":"Is-self-employed iħallsu ż-żewġ partijiet tas-CPP (11,9% fuq il-profitt bejn $3.500 u $74.600, 12,6% QPP f'Quebec) u 8% CPP2 sa $85.000; il-parti tal-impjegatur u l-parti mtejba jitnaqqsu. L-EI hi volontarja (benefiċċji speċjali biss) u mhix inkluża. Ir-reġistrazzjoni għall-GST/HST hi obbligatorja ’il fuq minn $30.000 ta' bejgħ.","Canada Pension Plan":"Pjan tal-Pensjoni tal-Kanada","The CPP retirement pension replaces 25% of average earnings up to the YMPE, rising to 33.33% plus a part of earnings up to $85,000 as the 2019 enhancement matures. You can start it from 60 (0.6% less per month before 65) to 70 (0.7% more per month after 65). The maximum at 65 for a pension starting in January 2026 is $1,507.65 a month. The QPP in Quebec works in a similar way. The federal government plans to cut the base CPP contribution rate to 4.75% from 2027.":"Il-pensjoni tal-irtirar tas-CPP tissostitwixxi 25% tal-qligħ medju sal-YMPE, li jitla' għal 33,33% flimkien ma' parti mill-qligħ sa $85.000 hekk kif jimmatura t-titjib tal-2019. Tista' tibdieha mill-60 (0,6% inqas fix-xahar qabel il-65) sas-70 (0,7% aktar fix-xahar wara l-65). L-ogħla ammont fl-età ta' 65 għal pensjoni li tibda f'Jannar 2026 hu $1.507,65 fix-xahar. Il-QPP f'Quebec jaħdem b'mod simili. Il-gvern federali qed jippjana li jnaqqas ir-rata bażika tas-CPP għal 4,75% mill-2027.","Old Age Security":"Old Age Security","OAS is paid from 65 to people who lived in Canada at least 10 years after 18 (full pension after 40 years): up to $762.50 a month for ages 65–74 and $838.75 from 75 (October–December 2026). It can be deferred up to 5 years for 0.6% more per month and is reduced by 15% of net income above $93,454. The Guaranteed Income Supplement adds up to $1,138.90 a month for single people with low income.":"L-OAS titħallas mill-65 lil min għex fil-Kanada mill-inqas 10 snin wara l-età ta' 18 (pensjoni sħiħa wara 40 sena): sa $762,50 fix-xahar għall-età ta' 65–74 u $838,75 mill-75 (Ottubru–Diċembru 2026). Tista' tiġi posposta sa 5 snin (0,6% aktar fix-xahar) u titnaqqas b'15% tad-dħul nett ’il fuq minn $93.454. Is-Supplement tad-Dħul Garantit iżid sa $1.138,90 fix-xahar għal persuni waħedhom b'dħul baxx.","RRSP contributions are deductible up to 18% of last year’s earned income, at most $33,810 in 2026 ({l} for you), less any pension adjustment from an employer plan. Withdrawals are taxed as income. A TFSA ($7,000 of new room a year) gives no deduction but tax-free growth and withdrawals.":"Il-kontribuzzjonijiet għal RRSP jitnaqqsu sa 18% tad-dħul mix-xogħol tas-sena ta' qabel, l-aktar $33.810 fl-2026 ({l} għalik), nieqes l-aġġustament tal-pensjoni minn pjan tal-impjegatur. Il-ġbid jiġi ntaxxat bħala dħul. TFSA ($7.000 spazju ġdid fis-sena) ma tagħtix tnaqqis, iżda qligħ u ġbid ħielsa mit-taxxa.","Registered Retirement Savings Plan (RRSP), often with employer matching in a group plan: contributions are deductible and grow tax-free; withdrawals (or a RRIF from age 71) are taxed as income (about 25% used here). Interest in a taxable account is taxed at your marginal rate (30% used).":"Registered Retirement Savings Plan (RRSP), spiss b'kontribuzzjoni tal-impjegatur fi pjan kollettiv: il-kontribuzzjonijiet jitnaqqsu u jikbru ħielsa mit-taxxa; il-ġbid (jew RRIF mill-71) jiġi ntaxxat bħala dħul (hawn madwar 25%). L-imgħax f'kont taxxabbli jiġi ntaxxat bir-rata marġinali tiegħek (hawn 30%).","Canada Day":"Jum il-Kanada","Louis Riel Day":"Jum Louis Riel","Heritage Day":"Jum il-Wirt","Islander Day":"Jum l-Abitanti tal-Gżira","Family Day":"Jum il-Familja","National Patriots’ Day":"Jum Nazzjonali tal-Patrijotti","Victoria Day":"Jum Victoria","Thanksgiving":"Jum ir-Radd il-Ħajr","British Columbia Day":"Jum il-Kolumbja Brittanika","Saskatchewan Day":"Jum Saskatchewan","New Brunswick Day":"Jum New Brunswick","National Day for Truth and Reconciliation":"Jum Nazzjonali għall-Verità u r-Rikonċiljazzjoni","Fête nationale (Saint-Jean-Baptiste)":"Fête nationale (San Ġwann il-Battista)","Most provinces give at least 2 weeks of paid vacation a year (vacation pay 4%), rising to 3 weeks after 5 years in Ontario, British Columbia, Alberta and Manitoba, after 3 years in Quebec and after 8 years in the Maritimes; Saskatchewan gives 3 weeks from the start. The public holidays of the selected province are shown; federally regulated employers follow the Canada Labour Code.":"Il-biċċa l-kbira tal-provinċji jagħtu mill-inqas 2 ġimgħat leave imħallas fis-sena (paga tal-vaganzi 4%), li jsiru 3 ġimgħat wara 5 snin fl-Ontario, il-Kolumbja Brittanika, Alberta u Manitoba, wara 3 snin f'Quebec u wara 8 snin fil-provinċji marittimi; Saskatchewan tagħti 3 ġimgħat mill-bidu. Jidhru l-festi tal-provinċja magħżula; l-impjegaturi taħt regolamentazzjoni federali jsegwu l-Canada Labour Code.","Maternity benefit (QPIP)":"Benefiċċju tal-maternità (QPIP)","70% of average weekly earnings (insurable up to $103,000 a year)":"70% tal-qligħ medju fil-ġimgħa (assigurabbli sa $103.000 fis-sena)","Paternity benefit (QPIP)":"Benefiċċju tal-paternità (QPIP)","5 weeks":"5 ġimgħat","70% of average weekly earnings":"70% tal-qligħ medju fil-ġimgħa","Parental benefit (QPIP)":"Benefiċċju tal-ġenituri (QPIP)","32 weeks to share (7 at 70% and 25 at 55%), plus bonus weeks when both parents take part":"32 ġimgħa x'jaqsmu (7 b'70% u 25 b'55%), flimkien ma' ġimgħat bonus meta jipparteċipaw iż-żewġ ġenituri","EI sickness benefit":"Benefiċċju tal-mard tal-EI","Up to 26 weeks after a one-week waiting period":"Sa 26 ġimgħa wara ġimgħa ta' stennija","55% of insurable earnings, at most $729 a week":"55% tal-qligħ assigurabbli, l-aktar $729 fil-ġimgħa","EI maternity benefit":"Benefiċċju tal-maternità tal-EI","15 weeks (from up to 12 weeks before the birth)":"15-il ġimgħa (minn mhux aktar minn 12-il ġimgħa qabel it-twelid)","EI parental benefit":"Benefiċċju tal-ġenituri tal-EI","Standard: 35 weeks (40 if shared); extended: 61 weeks (69 if shared)":"Standard: 35 ġimgħa (40 jekk maqsuma); estiż: 61 ġimgħa (69 jekk maqsuma)","55% (standard) or 33% (extended), at most $729 / $437 a week":"55% (standard) jew 33% (estiż), l-aktar $729 / $437 fil-ġimgħa","Canada Child Benefit":"Canada Child Benefit (benefiċċju għat-tfal)","Monthly, tax-free, by family net income and the children’s ages":"Kull xahar, ħieles mit-taxxa, skont id-dħul nett tal-familja u l-età tat-tfal","Dismissed without cause":"Imkeċċi mingħajr raġuni valida","Employment standards set minimum written notice or pay in lieu: in Ontario 1 week after 3 months, 2 weeks after 1 year and 1 week per year up to 8 weeks, plus severance pay of 1 week per year (up to 26 weeks) after 5 years if the employer’s payroll is at least $2.5 million. Quebec: 1 to 8 weeks; British Columbia and Alberta: up to 8 weeks. Courts often award much longer “reasonable notice” under common law, which is not modelled here.":"L-istandards tax-xogħol jistabbilixxu avviż bil-miktub minimu jew ħlas minfloku: fl-Ontario ġimgħa 1 wara 3 xhur, 2 ġimgħat wara sena 1 u ġimgħa 1 għal kull sena sa 8 ġimgħat, flimkien ma' ħlas ta' redundancy ta' ġimgħa 1 għal kull sena (sa 26 ġimgħa) wara 5 snin jekk il-paga totali tal-impjegatur hi mill-inqas $2,5 miljun. Quebec: 1 sa 8 ġimgħat; Kolumbja Brittanika u Alberta: sa 8 ġimgħat. Il-qrati spiss jagħtu “avviż raġonevoli” ħafna itwal skont il-common law, li mhux ikkalkulat hawn.","Employment Insurance":"Assigurazzjoni tal-Impjieg (EI)","After 420 to 700 insured hours (by region) EI regular benefits pay 55% of average insurable weekly earnings, at most $729 a week in 2026, for 14 to 45 weeks depending on your hours and the regional unemployment rate, after a one-week waiting period. Benefits are taxable.":"Wara 420 sa 700 siegħa assigurata (skont ir-reġjun) il-benefiċċji regolari tal-EI jħallsu 55% tal-qligħ assigurabbli medju fil-ġimgħa, l-aktar $729 fil-ġimgħa fl-2026, għal 14 sa 45 ġimgħa skont is-sigħat tiegħek u r-rata tal-qgħad reġjonali, wara ġimgħa ta' stennija. Il-benefiċċji huma taxxabbli.","RRSP contributions lower your tax at your marginal rate; a First Home Savings Account (FHSA, $8,000 a year) is deductible too and tax-free when you buy your first home.":"Il-kontribuzzjonijiet għall-RRSP inaqqsu t-taxxa tiegħek bir-rata marġinali; First Home Savings Account (FHSA, $8.000 fis-sena) wkoll titnaqqas u hi ħielsa mit-taxxa meta tixtri l-ewwel dar.","In Ontario the Health Premium (up to $900) is withheld with your income tax from $20,000 of taxable income.":"Fl-Ontario l-Primjum tas-Saħħa (sa $900) jinżamm mat-taxxa fuq id-dħul minn $20.000 ta' dħul taxxabbli.","The Canada Child Benefit (and Quebec’s family allowance) depends on family net income and is not included. Spouses file separately; a spouse with little income can transfer the spousal amount (not modelled).":"Il-Canada Child Benefit (u l-allowance tal-familja ta' Quebec) jiddependi fuq id-dħul nett tal-familja u mhux inkluż. Il-miżżewġin jiddikjaraw separatament; konjuġi b'dħul baxx jista' jittrasferixxi l-ammont tal-konjuġi (mhux ikkalkulat).","Ontario: notice up to 8 weeks + severance 1 week a year":"Ontario: avviż sa 8 ġimgħat + redundancy ġimgħa 1 fis-sena","15 weeks EI at 55%, then 35 weeks parental":"15-il ġimgħa EI b'55%, imbagħad 35 ġimgħa tal-ġenituri","5 extra weeks when parents share":"5 ġimgħat żejda meta l-ġenituri jaqsmu","35 weeks at 55% (or 61 at 33%)":"35 ġimgħa b'55% (jew 61 b'33%)","EI 55% up to 26 weeks":"EI 55% sa 26 ġimgħa","Annual payroll deductions for one employee with the 2026 federal and provincial rules (full-year values) and only the basic personal amounts. Other credits (spouse, dependants, medical, tuition), the Canada Workers Benefit, employer health taxes and municipal land transfer taxes are not modelled.":"Tnaqqis annwali mill-paga għal impjegat wieħed bir-regoli federali u provinċjali tal-2026 (valuri tas-sena sħiħa) u l-ammonti personali bażiċi biss. Krediti oħra (konjuġi, dipendenti, spejjeż mediċi, tariffi tal-istudju), il-Canada Workers Benefit, it-taxxi tas-saħħa tal-impjegatur u t-taxxi muniċipali fuq it-trasferiment mhumiex ikkalkulati.","Official sources: Canada Revenue Agency (T4127 Payroll Deductions Formulas, 122nd and 123rd editions, 2026; RRSP and TFSA limits), Revenu Québec (2026 tax rates, principal changes for 2026), Employment and Social Development Canada (CPP and OAS amounts 2026, EI), provincial employment standards acts, Statistics Canada (Survey of Household Spending 2023), OECD (life expectancy).":"Sorsi uffiċjali: Canada Revenue Agency (T4127 Payroll Deductions Formulas, edizzjonijiet 122 u 123, 2026; limiti RRSP u TFSA), Revenu Québec (rati tal-2026, bidliet ewlenin għall-2026), Employment and Social Development Canada (ammonti CPP u OAS 2026, EI), liġijiet provinċjali dwar l-istandards tax-xogħol, Statistics Canada (Survey of Household Spending 2023), OECD (stennija tal-għomor).","Basic federal tax in the CRA bonus example (taxable income $55,450.76)":"Taxxa federali bażika fl-eżempju tal-bonus tas-CRA (dħul taxxabbli $55.450,76)","Federal basic personal amount at a net income of $220,000":"Ammont personali bażiku federali b'dħul nett ta' $220.000","Quebec tax before credits on $60,000 of taxable income":"Taxxa ta' Quebec qabel il-krediti fuq $60.000 ta' dħul taxxabbli","British Columbia tax reduction at a net income of $30,000":"Tnaqqis tat-taxxa tal-Kolumbja Brittanika b'dħul nett ta' $30.000","Ontario surtax on $8,000 of basic Ontario tax":"Surtaxxa tal-Ontario fuq $8.000 ta' taxxa bażika tal-Ontario","Ontario Health Premium at $60,000 of taxable income":"Primjum tas-Saħħa tal-Ontario b'$60.000 ta' dħul taxxabbli","Maximum employee CPP contribution":"L-ogħla kontribuzzjoni tal-impjegat għas-CPP","Maximum employee CPP2 contribution":"L-ogħla kontribuzzjoni tal-impjegat għas-CPP2","Maximum employee EI premium (outside Quebec)":"L-ogħla primjum tal-impjegat għall-EI (barra Quebec)","Maximum employee QPP contribution":"L-ogħla kontribuzzjoni tal-impjegat għall-QPP","Maximum employee QPIP premium":"L-ogħla primjum tal-impjegat għall-QPIP","Maximum CPP retirement pension at 65, starting January 2026 (per month)":"L-ogħla pensjoni tal-irtirar CPP fl-età ta' 65, bidu f'Jannar 2026 (fix-xahar)","Maximum Old Age Security pension, ages 65–74 (per month)":"L-ogħla pensjoni Old Age Security, età 65–74 (fix-xahar)","RRSP dollar limit 2026":"Limitu RRSP 2026","Ontario minimum notice after 12 years (weeks)":"Avviż minimu fl-Ontario wara 12-il sena (ġimgħat)","Maximum EI regular benefit per week (55% of $68,900 ÷ 52)":"L-ogħla benefiċċju regolari tal-EI fil-ġimgħa (55% ta' $68.900 ÷ 52)","{n}: 10% pension savings + {c} commission":"{n}: 10% tfaddil għall-pensjoni + {c} kummissjoni","Health 7% (Fonasa or Isapre minimum)":"Saħħa 7% (Fonasa jew minimu Isapre)","Unemployment insurance 0.6%":"Assigurazzjoni tal-qgħad 0,6%","Income tax (impuesto único, withheld monthly)":"Taxxa fuq id-dħul (impuesto único, miżmuma kull xahar)","Contribution ceiling 90 UF a month (unemployment insurance 135.2 UF)":"Limitu tal-kontribuzzjonijiet ta' 90 UF fix-xahar (assigurazzjoni tal-qgħad 135,2 UF)","Employer: pension 3.5% (from August 2026), unemployment insurance and work-accident insurance":"Impjegatur: pensjoni 3,5% (minn Awwissu 2026), assigurazzjoni tal-qgħad u tal-inċidenti fuq ix-xogħol","AFP account: about {b} saved (10% of your pay plus the new employer contribution, rising to 6% by 2033, at a 3% real return), paid as {a} a month over your expected {n} years. The legal retirement age is 65 for men and 60 for women. Years-of-contribution benefit (BAC): 0.1 UF per year, up to 2.5 UF, with at least 20 years (men) or 10 years (women): {c}. From 65 the Universal Guaranteed Pension (PGU) adds up to $231,732 a month ($250,275 from 75 now and for everyone from September 2027), reduced for base pensions above $789,139: {p}. Health 7% is deducted from pensions.":"Kont AFP: madwar {b} iffrankati (10% tal-paga tiegħek flimkien mal-kontribuzzjoni l-ġdida tal-impjegatur, li titla' għal 6% sal-2033, b'qligħ reali ta' 3%), imħallsa bħala {a} fix-xahar matul is-{n} sena mistennija tiegħek. L-età legali tal-irtirar hi 65 għall-irġiel u 60 għan-nisa. Benefiċċju għas-Snin ta' Kontribuzzjoni (BAC): 0,1 UF fis-sena, sa 2,5 UF, b'mill-inqas 20 sena (irġiel) jew 10 snin (nisa): {c}. Mill-65 il-Pensjoni Garantita Universali (PGU) iżżid sa $231.732 fix-xahar ($250.275 mill-75 issa u għal kulħadd minn Settembru 2027), imnaqqsa għal pensjonijiet bażiċi ’il fuq minn $789.139: {p}. Mill-pensjonijiet jitnaqqas 7% għas-saħħa.","Contributions on 80% of fees: AFP 10% + commission, disability insurance (about 1.5%), health 7%, work-accident 0.93%":"Kontribuzzjonijiet fuq 80% tal-onorarji: AFP 10% + kummissjoni, assigurazzjoni tal-invalidità (madwar 1,5%), saħħa 7%, inċidenti fuq ix-xogħol 0,93%","Severance (30 days of pay per year of service: {n}, at most 11; pay capped at 90 UF)":"Ħlas ta' redundancy (30 jum paga għal kull sena servizz: {n}, l-aktar 11; paga b'limitu ta' 90 UF)","Pay in lieu of 30 days’ notice (capped at 90 UF)":"Ħlas minflok 30 jum avviż (limitu 90 UF)","After resigning only your own unemployment-insurance account can be withdrawn":"Wara riżenja tista' tiġbed biss il-kont tiegħek tal-assigurazzjoni tal-qgħad","About {a} in month 1 (70% of your average pay), then 55%, 45%, 40% and 35%: paid from your unemployment-insurance account and, if it runs short, from the Solidarity Fund (which has monthly caps)":"Madwar {a} fix-xahar 1 (70% tal-paga medja tiegħek), imbagħad 55%, 45%, 40% u 35%: imħallsa mill-kont tiegħek tal-assigurazzjoni tal-qgħad u, jekk ma jkunx biżżejjed, mill-Fond tas-Solidarjetà (b'limiti ta' kull xahar)","Severance (months of pay)":"Ħlas ta' redundancy (xhur ta' paga)","30 days is customary (not required by law)":"30 jum huma s-soltu (mhux meħtieġa mil-liġi)","30 days, or one month’s pay instead":"30 jum, jew paga ta' xahar minflokhom","Labour Code art. 161–163":"Kodiċi tax-Xogħol art. 161–163","Chile":"Ċili","Pension fund (AFP)":"Fond tal-pensjoni (AFP)","Contract":"Kuntratt","Indefinite (permanent)":"Indefinit","Fixed-term":"B'terminu fiss","Paid one month instead of 30 days’ notice":"Imħallsa paga ta' xahar minflok 30 jum avviż","Employers withhold the impuesto único each month on pay after pension, health and unemployment contributions: exempt up to 13.5 UTM ($974,038 in October 2026), then 4%, 8%, 13.5%, 23%, 30.4% and 35%, and 40% above 310 UTM. The UTM is updated monthly with inflation.":"L-impjegaturi jżommu kull xahar l-impuesto único fuq il-paga wara l-kontribuzzjonijiet tal-pensjoni, is-saħħa u l-qgħad: ħieles sa 13,5 UTM ($974.038 f'Ottubru 2026), imbagħad 4%, 8%, 13,5%, 23%, 30,4% u 35%, u 40% ’il fuq minn 310 UTM. L-UTM tiġi aġġustata kull xahar skont l-inflazzjoni.","Employees pay 10% into their AFP account plus the AFP’s commission (0.46% to 1.45%), 7% for health (Fonasa, or an Isapre plan costing at least that) and 0.6% unemployment insurance on an indefinite contract, on pay up to 90 UF a month. Under the 2025 pension reform employers pay a new contribution: 1% from August 2025, 3.5% from August 2026 (covering disability and survivors’ insurance), rising to 8.5% (6% for workers’ accounts). Minimum wage $553,553 a month from May 2026.":"L-impjegati jħallsu 10% fil-kont AFP tagħhom flimkien mal-kummissjoni tal-AFP (0,46% sa 1,45%), 7% għas-saħħa (Fonasa, jew pjan Isapre li jiswa mill-inqas daqshekk) u 0,6% assigurazzjoni tal-qgħad b'kuntratt indefinit, fuq pagi sa 90 UF fix-xahar. Bir-riforma tal-pensjonijiet tal-2025 l-impjegaturi jħallsu kontribuzzjoni ġdida: 1% minn Awwissu 2025, 3,5% minn Awwissu 2026 (li tkopri l-assigurazzjoni tal-invalidità u tas-superstiti), li titla' għal 8,5% (6% għall-kontijiet tal-ħaddiema). Paga minima $553.553 fix-xahar minn Mejju 2026.","Overtime is paid with at least a 50% supplement and is limited to 2 hours a day. The legal week is 42 hours from April 2026 and falls to 40 hours in April 2028 (Ley 21.561).":"Is-sahra titħallas b'żieda ta' mill-inqas 50% u hi limitata għal 2 sigħat kuljum. Il-ġimgħa legali hi ta' 42 siegħa minn April 2026 u tinżel għal 40 siegħa f'April 2028 (Ley 21.561).","Fee earners (boletas de honorarios)":"Ħaddiema bl-onorarju (boletas de honorarios)","Clients withhold 15.25% of gross fees in 2026 (rising to 17% in 2028). In the annual tax return the withholding first pays your social security contributions on 80% of your fees (AFP, disability insurance, health, work accidents) and then your income tax, calculated with presumed expenses of 30% (up to 15 UTA) on the annual scale.":"Il-klijenti jżommu 15,25% tal-onorarji grossi (rata tal-2026, li titla' għal 17% fl-2028). Fid-dikjarazzjoni annwali, l-ammont miżmum iħallas l-ewwel il-kontribuzzjonijiet soċjali tiegħek fuq 80% tal-onorarji (AFP, assigurazzjoni tal-invalidità, saħħa, inċidenti fuq ix-xogħol) u mbagħad it-taxxa fuq id-dħul, ikkalkulata bi spejjeż preżunti ta' 30% (sa 15 UTA) skont it-tabella annwali.","AFP pension and the 2025 reform":"Pensjoni AFP u r-riforma tal-2025","Your pension comes from your AFP account, paid as a life annuity or a programmed withdrawal from 65 (men) or 60 (women). The 2025 reform (Ley 21.735) adds an employer contribution that will put 6% more of your pay into your account, a Years-of-Contribution Benefit (0.1 UF per year, up to 2.5 UF) and compensation for women’s longer life expectancy.":"Il-pensjoni tiegħek tiġi mill-kont AFP tiegħek, imħallsa bħala annwità għal għomrok jew ġbid ipprogrammat mill-65 (irġiel) jew 60 (nisa). Ir-riforma tal-2025 (Ley 21.735) iżżid kontribuzzjoni tal-impjegatur li se tqiegħed 6% aktar tal-paga tiegħek fil-kont tiegħek, Benefiċċju għas-Snin ta' Kontribuzzjoni (0,1 UF fis-sena, sa 2,5 UF) u kumpens għall-istennija tal-għomor itwal tan-nisa.","Universal Guaranteed Pension (PGU)":"Pensjoni Garantita Universali (PGU)","From 65, people in the 90% of the population with lower incomes receive the PGU: $231,732 a month from February 2026 for base pensions up to $789,139, falling to zero at $1,252,602. The reform raises it to $250,275, from September 2026 for those aged 75 and over and from September 2027 for everyone from 65.":"Mill-65, id-90% tal-popolazzjoni bl-inqas dħul jirċievu l-PGU: $231.732 fix-xahar minn Frar 2026 għal pensjonijiet bażiċi sa $789.139, li tonqos għal żero f'$1.252.602. Ir-riforma tgħollieha għal $250.275, minn Settembru 2026 għal dawk ta' 75 sena jew aktar u minn Settembru 2027 għal kulħadd mill-65.","Voluntary pension savings (APV) under regime B are deducted from your taxable pay up to 50 UF a month ({l} a year); under regime A the state adds a 15% bonus instead (up to 6 UTM a year).":"It-tfaddil volontarju għall-pensjoni (APV) fir-reġim B jitnaqqas mill-paga taxxabbli tiegħek sa 50 UF fix-xahar ({l} fis-sena); fir-reġim A l-Istat iżid minflok bonus ta' 15% (sa 6 UTM fis-sena).","Voluntary pension savings (APV) and collective APV plans with employer contributions: regime B lowers your income tax now and withdrawals at retirement are taxed as pension income (about 8% used here); early withdrawals are taxed with a surcharge.":"Tfaddil volontarju għall-pensjoni (APV) u pjanijiet APV kollettivi b'kontribuzzjoni tal-impjegatur: ir-reġim B inaqqas it-taxxa issa u l-ġbid fl-irtirar jiġi ntaxxat bħala dħul mill-pensjoni (hawn madwar 8%); il-ġbid bikri jiġi ntaxxat b'surtaxxa.","Navy Day":"Jum il-Flotta","National Indigenous Peoples’ Day":"Jum Nazzjonali tal-Popli Indiġeni","Saint Peter and Saint Paul":"San Pietru u San Pawl","Our Lady of Mount Carmel":"Il-Madonna tal-Karmnu","Army Day":"Jum l-Armata","Meeting of Two Worlds":"Laqgħa ta' Żewġ Dinjiet","Evangelical and Protestant Churches Day":"Jum il-Knejjes Evanġeliċi u Protestanti","15 working days of paid holiday a year after one year of service, plus one more day for every 3 years beyond 10 years of work (feriado progresivo). Holidays on a weekend are not moved; election days are also public holidays.":"15-il jum tax-xogħol leave imħallas fis-sena wara sena 1 servizz, flimkien ma' jum ieħor għal kull 3 snin ’il fuq minn 10 snin xogħol (feriado progresivo). Il-festi fi tmiem il-ġimgħa ma jiġux ittrasferiti; il-jiem tal-elezzjoni huma wkoll festi.","Prenatal and postnatal leave":"Leave qabel u wara t-twelid","6 weeks before and 12 weeks after the birth":"6 ġimgħat qabel u 12-il ġimgħa wara t-twelid","100% of taxable pay, up to the 90 UF ceiling":"100% tal-paga soġġetta għall-kontribuzzjonijiet, sal-limitu ta' 90 UF","Parental postnatal leave":"Leave tal-ġenituri wara t-twelid","12 weeks full-time or 18 weeks part-time; the last 6 weeks can go to the father":"12-il ġimgħa full-time jew 18-il ġimgħa part-time; l-aħħar 6 ġimgħat jistgħu jmorru għand il-missier","100% of taxable pay, up to 90 UF":"100% tal-paga soġġetta għall-kontribuzzjonijiet, sa 90 UF","Sick pay (subsidio de incapacidad laboral)":"Benefiċċju tal-mard (subsidio de incapacidad laboral)","From day 4 (from day 1 when the leave exceeds 10 days)":"Mill-jum 4 (mill-jum 1 meta l-leave jaqbeż 10 ijiem)","Average taxable pay of the last 3 months":"Paga medja soġġetta għall-kontribuzzjonijiet tal-aħħar 3 xhur","Dismissed for the company’s needs":"Imkeċċi għall-bżonnijiet tal-kumpanija","When the employer dismisses you for the company’s needs (art. 161) after at least one year, you get 30 days of your last monthly pay for each year of service (a fraction above 6 months counts as a year), up to 330 days (11 years), with pay capped at 90 UF; plus one month’s pay if the 30 days’ notice is not given. Severance within these limits is tax-free.":"Meta l-impjegatur ikeċċik għall-bżonnijiet tal-kumpanija (art. 161) wara mill-inqas sena 1, tirċievi 30 jum tal-aħħar paga ta' kull xahar għal kull sena servizz (frazzjoni ta' aktar minn 6 xhur tgħodd bħala sena), sa 330 jum (11-il sena), bil-paga limitata għal 90 UF; flimkien ma' paga ta' xahar jekk ma jingħatax l-avviż ta' 30 jum. F'dawn il-limiti l-ħlas hu ħieles mit-taxxa.","The unemployment insurance (AFC) pays first from your individual account and then, if it runs short, from the Solidarity Fund: 70% of your average pay in month 1, 55%, 45%, 40% and 35% in months 2–5 (more months in times of high unemployment), with upper and lower limits on the fund’s payments. The employer’s 1.6% share of its 2.4% contribution can be deducted from your severance.":"L-assigurazzjoni tal-qgħad (AFC) tħallas l-ewwel mill-kont individwali tiegħek u mbagħad, jekk ma jkunx biżżejjed, mill-Fond tas-Solidarjetà: 70% tal-paga medja tiegħek fix-xahar 1, 55%, 45%, 40% u 35% fix-xhur 2–5 (aktar xhur fi żminijiet ta' qgħad għoli), b'limiti massimi u minimi fuq il-ħlasijiet tal-fond. Is-sehem ta' 1,6% tal-impjegatur mill-kontribuzzjoni tiegħu ta' 2,4% jista' jitnaqqas mill-ħlas ta' redundancy tiegħek.","Your AFP charges {c} of your pay; AFP Uno charges 0.46%. You can switch AFP at any time online.":"L-AFP tiegħek titlob {c} tal-paga tiegħek; AFP Uno titlob 0,46%. Tista' tibdel l-AFP fi kwalunkwe ħin online.","Many employers pay the legal gratification (25% of pay, up to 4.75 minimum wages a year); if yours does, include it in your gross pay.":"Ħafna impjegaturi jħallsu l-gratifikazzjoni legali (25% tal-paga, sa 4,75 pagi minimi fis-sena); jekk tiegħek tħallasha, inkludiha fil-paga gross tiegħek.","Family allowances (asignación familiar and the Subsidio Único Familiar) are income-tested and not included. Spouses are taxed separately.":"L-allowances tal-familja (asignación familiar u Subsidio Único Familiar) jiddependu fuq id-dħul u mhumiex inklużi. Il-miżżewġin jiġu ntaxxati separatament.","30 days per year, up to 11 years (90 UF cap)":"30 jum fis-sena, sa 11-il sena (limitu 90 UF)","18 weeks at 100%, then 12 weeks parental":"18-il ġimgħa b'100%, imbagħad 12-il ġimgħa tal-ġenituri","12 weeks at 100% (up to 6 for the father)":"12-il ġimgħa b'100% (sa 6 għall-missier)","100% from day 4":"100% mill-jum 4","Monthly withholding for one employee with the October 2026 UTM, the 30 September 2026 UF and the employer rates from August 2026. The legal gratification, Isapre plans above 7%, family allowances and the annual tax reconciliation are not modelled.":"Żamma ta' kull xahar għal impjegat wieħed bl-UTM ta' Ottubru 2026, l-UF tat-30 ta' Settembru 2026 u r-rati tal-impjegatur minn Awwissu 2026. Il-gratifikazzjoni legali, pjanijiet Isapre ’il fuq minn 7%, l-allowances tal-familja u r-rikonċiljazzjoni annwali tat-taxxa mhumiex ikkalkulati.","Official sources: Servicio de Impuestos Internos (impuesto único table October 2026, UF and UTM, dólar observado), Superintendencia de Pensiones (AFP commissions, employer contribution under Ley 21.735, contribution ceilings 2026), Dirección del Trabajo (Ley 21.830 minimum wage, Labour Code), ChileAtiende (PGU 2026), INE (IX Encuesta de Presupuestos Familiares), Banco Central de Chile, OECD (life expectancy).":"Sorsi uffiċjali: Servicio de Impuestos Internos (tabella tal-impuesto único ta' Ottubru 2026, UF u UTM, dólar observado), Superintendencia de Pensiones (kummissjonijiet tal-AFP, kontribuzzjoni tal-impjegatur skont il-Ley 21.735, limiti tal-kontribuzzjonijiet 2026), Dirección del Trabajo (paga minima Ley 21.830, Kodiċi tax-Xogħol), ChileAtiende (PGU 2026), INE (IX Stħarriġ dwar il-Baġits tal-Familji), Banco Central de Chile, OECD (stennija tal-għomor).","Monthly income tax on $3,000,000 of taxable pay (October 2026)":"Taxxa fuq id-dħul ta' kull xahar fuq $3.000.000 ta' paga taxxabbli (Ottubru 2026)","Monthly income tax on $10,000,000 of taxable pay (October 2026)":"Taxxa fuq id-dħul ta' kull xahar fuq $10.000.000 ta' paga taxxabbli (Ottubru 2026)","Tax-free monthly threshold (13.5 UTM)":"Limitu ta' kull xahar ħieles mit-taxxa (13,5 UTM)","Monthly contribution ceiling (90 UF), September 2026":"Limitu tal-kontribuzzjonijiet ta' kull xahar (90 UF), Settembru 2026","AFP Uno deduction on $1,000,000 (10% + 0.46%)":"Tnaqqis AFP Uno fuq $1.000.000 (10% + 0,46%)","Universal Guaranteed Pension (PGU) for a base pension of $500,000":"Pensjoni Garantita Universali (PGU) għal pensjoni bażika ta' $500.000","PGU from age 75 (from September 2026)":"PGU mill-età ta' 75 (minn Settembru 2026)","Severance after 15 years at $1,000,000 a month (11-year cap)":"Ħlas ta' redundancy wara 15-il sena b'$1.000.000 fix-xahar (limitu ta' 11-il sena)","Osijek, Zadar, Dubrovnik and others at 20% / 30%":"Osijek, Zadar, Dubrovnik u oħrajn b'20% / 30%","Pension insurance, pillar I 15%":"Assigurazzjoni tal-pensjoni, pilastru I 15%","Pension insurance, pillar I 20%":"Assigurazzjoni tal-pensjoni, pilastru I 20%","Pension insurance, pillar II 5%":"Assigurazzjoni tal-pensjoni, pilastru II 5%","Income tax ({a} / {b}, {c})":"Taxxa fuq id-dħul ({a} / {b}, {c})","Personal allowance (per year)":"Allowance personali (fis-sena)","Low-wage relief on the pillar-I pension base (per year)":"Għajnuna għal pagi baxxi fuq il-bażi tal-pensjoni tal-pilastru I (fis-sena)","Employer health insurance 16.5%":"Assigurazzjoni tas-saħħa tal-impjegatur 16,5%","Pillar I pension: {p} personal points (your average pay ratio {v} × {y} years) × €15.64 (current pension value from 1 July 2026){s}. Pillar II account about {b}, paid as {a} a month. Old-age pension at 65 (women {l} in {r}) with 15 years; early pension from {e} with {k} years, cut by 0.2% a month (at most 12%); with 41 years from 60 without a cut. Each month after the age adds 0.45% (up to 5 years).":"Pensjoni tal-pilastru I: {p} punti personali (il-proporzjon medju tal-paga tiegħek {v} × {y} snin) × €15,64 (valur attwali tal-pensjoni mill-1 ta' Lulju 2026){s}. Kont tal-pilastru II madwar {b}, imħallas bħala {a} fix-xahar. Pensjoni tax-xjuħija fl-età ta' 65 (nisa {l} fl-{r}) bi 15-il sena; pensjoni bikrija minn {e} b'{k} snin, imnaqqsa b'0,2% fix-xahar (l-aktar 12%); b'41 sena mill-60 mingħajr tnaqqis. Kull xahar wara l-età jżid 0,45% (sa 5 snin).",", basic pension 75% for pillar II members":", pensjoni bażika ta' 75% għall-membri tal-pilastru II"," + 27% supplement":" + żieda ta' 27%","Pension 20% + health 16.5% on profit (at least €1,295.45 a month)":"Pensjoni 20% + saħħa 16,5% fuq il-profitt (mill-inqas €1.295,45 fix-xahar)","Severance (at least 1/3 of monthly pay per year of service, at most 6 months)":"Ħlas ta' redundancy (mill-inqas 1/3 tal-paga ta' xahar għal kull sena servizz, l-aktar 6 xhur)","{a} a month for the first 90 days (60% of your gross pay, at most €1,014), then 35% and 30%, for {n} days in total":"{a} fix-xahar għall-ewwel 90 jum (60% tal-paga gross tiegħek, l-aktar €1.014), imbagħad 35% u 30%, għal {n} jum b'kollox","{m} months":"{m} xhur","Labour Act art. 122 and 126":"Liġi tax-Xogħol art. 122 u 126","Croatia":"Kroazja","Place of residence (local tax rates)":"Post ta' residenza (rati tat-taxxa lokali)","Member of the mandatory pension fund (pillar II)":"Membru tal-fond tal-pensjoni obbligatorju (pilastru II)","Income after pension contributions and the personal allowance (€600 a month, more for children and dependants) is taxed at the lower local rate up to €60,000 a year and the higher rate above. Each town sets its rates within legal ranges (Zagreb up to 23% / 33%; 20% / 30% where no decision was adopted). People under 25 pay no income tax and those aged 25–30 pay half.":"Id-dħul wara l-kontribuzzjonijiet tal-pensjoni u l-allowance personali (€600 fix-xahar, aktar għat-tfal u d-dipendenti) jiġi ntaxxat bir-rata lokali l-baxxa sa €60.000 fis-sena u bir-rata l-għolja ’il fuq. Kull muniċipalità tistabbilixxi r-rati tagħha fil-limiti tal-liġi (Zagreb sa 23% / 33%; 20% / 30% fejn ma ttieħdet l-ebda deċiżjoni). Min għandu inqas minn 25 sena ma jħallas l-ebda taxxa fuq id-dħul u min għandu 25–30 iħallas nofsha.","Employees pay 20% for pensions (15% pillar I and 5% pillar II for fund members) on pay up to €11,958 a month; for pay up to €1,300 the pillar-I base is reduced (by €300 up to €700). Employers pay 16.5% health insurance on top. Minimum wage €1,050 a month in 2026.":"L-impjegati jħallsu 20% għall-pensjoni (15% pilastru I u 5% pilastru II għall-membri ta' fond) fuq pagi sa €11.958 fix-xahar; għal pagi sa €1.300 il-bażi tal-pilastru I titnaqqas (b'€300 sa €700). L-impjegaturi jħallsu wkoll 16,5% assigurazzjoni tas-saħħa. Paga minima €1.050 fix-xahar fl-2026.","Labour Act and collective agreements":"Liġi tax-Xogħol u ftehimiet kollettivi","Overtime is limited to 10 hours a week and 180 hours a year (250 with a collective agreement) and must be paid with a supplement set by the employment contract or collective agreement, commonly 50%. Night and Sunday work are also paid with supplements.":"Is-sahra hi limitata għal 10 sigħat fil-ġimgħa u 180 siegħa fis-sena (250 bi ftehim kollettiv) u trid titħallas b'żieda stabbilita fil-kuntratt jew fil-ftehim kollettiv, normalment 50%. Ix-xogħol bil-lejl u l-Ħadd ukoll jitħallas b'żidiet.","10 h / week, 180 h / year":"10 sigħat / ġimgħa, 180 siegħa / sena","Sole trader (obrt) taxed on income":"Negozju individwali (obrt) intaxxat fuq id-dħul","A sole trader keeping books pays pension (20%) and health (16.5%) contributions on profit, at least on €1,295.45 a month in 2026 (€472.84 a month), and income tax at the local rates after the €7,200 allowance. Flat-rate taxation (paušalni obrt, revenue up to €60,000) is not modelled.":"Negozju individwali li jżomm il-kotba jħallas kontribuzzjonijiet tal-pensjoni (20%) u tas-saħħa (16,5%) fuq il-profitt, fl-2026 mill-inqas fuq €1.295,45 fix-xahar (€472,84 fix-xahar), u taxxa fuq id-dħul bir-rati lokali wara l-allowance ta' €7.200. It-tassazzjoni b'rata fissa (paušalni obrt, dħul sa €60.000) mhix ikkalkulata.","The pillar-I pension is personal points (your pay compared with the national average each year, times years of service) times the current pension value, €15.64 from 1 July 2026, which is adjusted every January and July. Pensions from pillar I only receive a 27% supplement; members of a mandatory pension fund get a basic pension from 75% of their points plus a pension from their pillar-II account.":"Il-pensjoni tal-pilastru I hi l-punti personali (il-paga tiegħek imqabbla mal-medja nazzjonali kull sena, immultiplikata bis-snin ta' servizz) immultiplikati bil-valur attwali tal-pensjoni, €15,64 mill-1 ta' Lulju 2026, li jiġi aġġustat kull Jannar u Lulju. Il-pensjonijiet mill-pilastru I biss jirċievu żieda ta' 27%; il-membri ta' fond obbligatorju jirċievu pensjoni bażika fuq 75% tal-punti tagħhom flimkien ma' pensjoni mill-kont tagħhom tal-pilastru II.","Conditions":"Kundizzjonijiet","In 2026: men at 65 and women at 64 with 15 years (women’s conditions reach men’s by 2030); early pension from 60 (women 59) with 35 years (women 34), reduced by 0.2% per month; with 41 years of service from 60 without a reduction.":"Fl-2026: l-irġiel fl-età ta' 65 u n-nisa fl-età ta' 64 bi 15-il sena (il-kundizzjonijiet tan-nisa jilħqu dawk tal-irġiel sal-2030); pensjoni bikrija mill-60 (nisa 59) b'35 sena (nisa 34), imnaqqsa b'0,2% fix-xahar; b'41 sena servizz mill-60 mingħajr tnaqqis.","Voluntary pension insurance (pillar III) gives no tax deduction, but the state adds 15% of your contributions up to €663.61 a year (at most €99.54); employer contributions are tax-free up to €67 a month.":"L-assigurazzjoni volontarja tal-pensjoni (pilastru III) ma tagħtix tnaqqis tat-taxxa, iżda l-Istat iżid 15% tal-kontribuzzjonijiet tiegħek sa €663,61 fis-sena (l-aktar €99,54); il-kontribuzzjonijiet tal-impjegatur huma ħielsa mit-taxxa sa €67 fix-xahar.","Voluntary pension funds (pillar III): the state incentive adds 15% of up to €663.61 a year, employers can pay up to €67 a month tax-free, and the money can be paid out from 55. Interest and capital income are taxed at 12% (not modelled for pillar III).":"Fondi volontarji tal-pensjoni (pilastru III): l-inċentiv tal-Istat iżid 15% fuq sa €663,61 fis-sena, l-impjegaturi jistgħu jħallsu sa €67 fix-xahar ħielsa mit-taxxa, u l-flus jistgħu jitħallsu mill-55. L-imgħax u d-dħul mill-kapital jiġu ntaxxati bi 12% (mhux ikkalkulat għall-pilastru III).","Anti-Fascist Struggle Day":"Jum il-Ġlieda Antifaxxista","Victory and Homeland Thanksgiving Day":"Jum ir-Rebħa u r-Radd il-Ħajr għall-Patrija","Remembrance Day (Vukovar and Škabrnja)":"Jum it-Tifkira (Vukovar u Škabrnja)","Saint Stephen’s Day":"Jum San Stiefnu","At least 4 weeks of paid leave a year (20 days for a 5-day week); collective agreements usually add days for seniority, children and disability. Holidays on a weekend are not moved.":"Mill-inqas 4 ġimgħat leave imħallas fis-sena (20 jum għal ġimgħa ta' 5 ijiem); il-ftehimiet kollettivi normalment iżidu jiem għall-anzjanità, it-tfal u d-diżabbiltà. Il-festi fi tmiem il-ġimgħa ma jiġux ittrasferiti.","Compulsory from 28 days before the birth until the child is 6 months old":"Obbligatorju minn 28 jum qabel it-twelid sakemm it-tarbija jkollha 6 xhur","10 working days (15 for twins), within 6 months of the birth":"10 ijiem tax-xogħol (15 għal tewmin), fi żmien 6 xhur mit-twelid","100% of average pay, with a ceiling":"100% tal-paga medja, b'limitu","4 months per parent (2 not transferable) for the first and second child, 15 months each from the third":"4 xhur għal kull ġenitur (2 mhux trasferibbli) għall-ewwel u t-tieni wild, 15-il xahar kull wieħed mit-tielet wild","100% of average pay up to a monthly ceiling":"100% tal-paga medja sa limitu ta' kull xahar","Monthly, by household income":"Kull xahar, skont id-dħul tad-dar","First 42 days paid by the employer, then by the health insurance fund (HZZO)":"L-ewwel 42 jum iħallas l-impjegatur, imbagħad il-fond tal-assigurazzjoni tas-saħħa (HZZO)","At least 70% of average pay":"Mill-inqas 70% tal-paga medja","The notice period is 2 weeks under 1 year of service, 1 month after 1 year, 6 weeks after 2, 2 months after 5, 2.5 months after 10 and 3 months after 20 years, plus 2 weeks (age 50+) or 1 month (age 55+) with 20 years at the same employer. After 2 years, dismissal not caused by the worker gives severance of at least one third of average monthly pay per year of service, at most 6 months’ pay; up to €1,500 per year of service is tax-free.":"L-avviż hu ta' 2 ġimgħat b'inqas minn sena 1 servizz, xahar 1 wara sena 1, 6 ġimgħat wara 2 snin, 2 xhur wara 5, 2,5 xhur wara 10 u 3 xhur wara 20 sena, flimkien ma' 2 ġimgħat (mill-età ta' 50) jew xahar 1 (mill-età ta' 55) b'20 sena mal-istess impjegatur. Wara 2 snin, tkeċċija li mhix ikkawżata mill-ħaddiem tagħti ħlas ta' redundancy ta' mill-inqas terz tal-paga medja ta' xahar għal kull sena servizz, l-aktar 6 xhur paga; sa €1.500 għal kull sena servizz huma ħielsa mit-taxxa.","With 9 months of work in the last 24 (6 months under age 30) the Croatian Employment Service pays 60% of your average gross pay for the first 90 days, 35% up to day 180 and 30% after, capped at 70%, 40% and 35% of the 2025 average net wage and at least 50% of the net minimum wage; it lasts from 90 days (up to 2 years of work) to 450 days (over 25 years).":"B'9 xhur xogħol fl-aħħar 24 (6 xhur għal min għandu inqas minn 30 sena) is-Servizz Kroat tal-Impjiegi jħallas 60% tal-paga gross medja tiegħek għall-ewwel 90 jum, 35% sal-jum 180 u 30% wara, b'limitu ta' 70%, 40% u 35% tal-paga netta medja tal-2025 u mill-inqas 50% tal-paga minima netta; idum minn 90 jum (sa 2 snin xogħol) sa 450 jum (aktar minn 25 sena).","Under 25 you pay no income tax, and from 25 to 30 half of it; this is already applied.":"Jekk għandek inqas minn 25 sena ma tħallasx taxxa fuq id-dħul, u minn 25 sa 30 tħallas nofsha; dan diġà applikat.","Pillar III voluntary pension savings earn a 15% state incentive on up to €663.61 a year.":"It-tfaddil volontarju għall-pensjoni fil-pilastru III jieħu inċentiv tal-Istat ta' 15% fuq sa €663,61 fis-sena.","The child allowance depends on household income and is not included. Each child raises the personal allowance of the parent who claims it (0.5, 0.7, 1.0 … × €600), which is applied.":"L-allowance għat-tfal tiddependi fuq id-dħul tad-dar u mhix inkluża. Kull tifel jew tifla jgħollu l-allowance personali tal-ġenitur li jiddikjarahom (0,5, 0,7, 1,0 … × €600), li hi applikata.","1/3 of pay per year after 2 years, at most 6 months":"1/3 tal-paga fis-sena wara 2 snin, l-aktar 6 xhur","To 6 months at 100%, then parental leave":"Sa 6 xhur b'100%, imbagħad leave tal-ġenituri","4 months per parent at 100% (ceiling)":"4 xhur għal kull ġenitur b'100% (limitu)","70%+ (employer first 42 days)":"70%+ (l-impjegatur l-ewwel 42 jum)","Annual tax and contributions for one employee with the 2026 rules, the local rates of the selected place and the personal allowance for children. Dependants other than children, disability allowances, tax-free benefits (such as the Christmas bonus up to €700 a year) and the annual return are not modelled.":"Taxxa u kontribuzzjonijiet annwali għal impjegat wieħed bir-regoli tal-2026, bir-rati lokali tal-post magħżul u l-allowance personali għat-tfal. Dipendenti oħra minbarra t-tfal, allowances għad-diżabbiltà, benefiċċji ħielsa mit-taxxa (bħall-bonus tal-Milied sa €700 fis-sena) u d-dikjarazzjoni annwali mhumiex ikkalkulati.","Official sources: Income Tax Act (art. 14, 19, 19a), Contributions Act and the Order on contribution bases for 2026 (NN 150/25), Labour Market Act (unemployment benefit), Labour Act (notice and severance), Croatian Pension Insurance Institute and the decision on the current pension value from 1 July 2026 (NN 95/26), Croatian National Bank (consumer lending criteria), Eurostat.":"Sorsi uffiċjali: Att dwar it-Taxxa fuq id-Dħul (art. 14, 19, 19a), Att dwar il-Kontribuzzjonijiet u Ordni dwar il-bażijiet tal-kontribuzzjonijiet għall-2026 (NN 150/25), Att dwar is-Suq tax-Xogħol (benefiċċju tal-qgħad), Liġi tax-Xogħol (avviż u ħlas ta' redundancy), Istitut Kroat tal-Assigurazzjoni tal-Pensjoni u d-deċiżjoni dwar il-valur attwali tal-pensjoni mill-1 ta' Lulju 2026 (NN 95/26), Bank Nazzjonali Kroat (kriterji tas-self), Eurostat.","Monthly personal allowance with two children":"Allowance personali ta' kull xahar b'2 tfal","Income tax on a yearly base of €70,000 in Zagreb":"Taxxa fuq id-dħul fuq bażi annwali ta' €70.000 f'Zagreb","Monthly pension contributions at €15,000 gross (maximum base)":"Kontribuzzjonijiet tal-pensjoni ta' kull xahar b'€15.000 gross (bażi massima)","Pillar-I base relief at €1,120 gross":"Għajnuna fuq il-bażi tal-pilastru I b'€1.120 gross","Maximum unemployment benefit, first 90 days (per month)":"L-ogħla benefiċċju tal-qgħad, l-ewwel 90 jum (fix-xahar)","Minimum unemployment benefit (50% of the net minimum wage)":"L-inqas benefiċċju tal-qgħad (50% tal-paga minima netta)","Unemployment benefit duration with 12 years of work (days)":"Tul tal-benefiċċju tal-qgħad bi 12-il sena xogħol (jiem)","Minimum monthly contributions of a sole trader taxed on income":"Kontribuzzjonijiet minimi ta' kull xahar ta' negozju individwali intaxxat fuq id-dħul","Other provinces (estimate)":"Provinċji oħra (stima)","Ontario land transfer tax less the first-time buyer refund (up to $4,000; Toronto adds a municipal tax)":"Taxxa fuq it-trasferiment tal-Ontario nieqes ir-rifużjoni għall-ewwel xerrej (sa $4.000; Toronto żżid taxxa muniċipali)","Ontario land transfer tax (Toronto adds a municipal tax)":"Taxxa fuq it-trasferiment tal-Ontario (Toronto żżid taxxa muniċipali)","BC property transfer tax with the first-time home buyers’ exemption (tax on the first $500,000, homes up to $835,000)":"Taxxa fuq it-trasferiment tal-BC bl-eżenzjoni għall-ewwel xerrejja (taxxa fuq l-ewwel $500.000, djar sa $835.000)","BC property transfer tax":"Taxxa fuq it-trasferiment tal-BC","Alberta has no land transfer tax: land titles fees for the transfer and the mortgage (estimate)":"Alberta m'għandhiex taxxa fuq it-trasferiment: tariffi tar-reġistru tal-art għat-trasferiment u l-ipoteka (stima)","Quebec welcome tax on property transfers (0.5% / 1% / 1.5%, outside Montreal; estimate of the indexed bands)":"Taxxa fuq it-trasferiment ta' Quebec (“welcome tax”, 0,5% / 1% / 1,5%, barra Montreal; stima tal-faxex indiċjati)","Provincial land transfer tax or registration fees (estimate, about 1%)":"Taxxa provinċjali fuq it-trasferiment jew tariffi tar-reġistrazzjoni (stima, madwar 1%)","Mortgage default insurance premium (CMHC rates; usually added to the loan)":"Primjum tal-assigurazzjoni kontra n-nuqqas ta' ħlas tas-self (rati CMHC; normalment miżjud mas-self)","Lawyer or notary, title insurance and appraisal (estimate)":"Avukat jew nutar, assigurazzjoni tat-titolu u valutazzjoni (stima)","Stamp tax on the loan 0.8%":"Taxxa tal-bolli fuq is-self 0,8%","Notary and property registry (Conservador de Bienes Raíces), estimate about 0.6%":"Nutar u reġistru tal-proprjetà (Conservador de Bienes Raíces), stima madwar 0,6%","Bank appraisal and legal study of the title (estimate, about 12 UF)":"Valutazzjoni tal-bank u studju legali tat-titolu (stima, madwar 12 UF)","Real estate transfer tax 3% (paid by the buyer)":"Taxxa fuq it-trasferiment tal-proprjetà 3% (imħallsa mix-xerrej)","Notary, land registry, valuation and loan fees (estimate, about 0.6%)":"Nutar, reġistru tal-art, valutazzjoni u spejjeż tas-self (stima, madwar 0,6%)","Mortgage interest on a home loan is deductible up to 8 UTA a year (art. 55 bis LIR), in full for taxable income up to 90 UTA and tapering to nothing at 150 UTA; worth your top tax rate":"L-imgħax fuq self tad-dar jitnaqqas sa 8 UTA fis-sena (art. 55 bis LIR), kollu għal dħul taxxabbli sa 90 UTA u jonqos sa xejn f'150 UTA; jiswa skont l-ogħla rata tat-taxxa tiegħek","No deduction for the home you live in; a First Home Savings Account (FHSA) and the RRSP Home Buyers’ Plan help with the down payment (not modelled).":"L-ebda tnaqqis għad-dar fejn tgħix; First Home Savings Account (FHSA) u l-Home Buyers’ Plan tal-RRSP jgħinu fid-depożitu (mhux ikkalkulati).","Insured mortgages need at least 5% down on the first $500,000 and 10% on the part up to $1.5 million (default insurance required below 20% down); uninsured loans are limited to 80% of the value. OSFI’s stress test requires qualifying at the higher of your rate + 2 points and 5.25%, and housing costs are usually limited to about 39% of gross income (44% for all debts).":"Is-self assigurat jeħtieġ depożitu ta' mill-inqas 5% fuq l-ewwel $500.000 u 10% fuq il-parti sa $1,5 miljun (assigurazzjoni obbligatorja b'depożitu taħt 20%); is-self mhux assigurat hu limitat għal 80% tal-valur. It-test tal-istress tal-OSFI jeħtieġ li tikkwalifika bl-ogħla bejn ir-rata tiegħek + 2 punti u 5,25%, u l-ispejjeż tad-dar normalment huma limitati għal madwar 39% tad-dħul gross (44% għad-djun kollha).","No binding borrower limits. Banks usually finance up to 80% of the value (90% with the state FOGAES guarantee for a first home), and the monthly payment usually may not exceed about 25% of household income.":"L-ebda limitu vinkolanti. Il-banek normalment jiffinanzjaw sa 80% tal-valur (90% bil-garanzija tal-Istat FOGAES għall-ewwel dar), u l-pagament ta' kull xahar normalment ma jistax jaqbeż madwar 25% tad-dħul tad-dar.","Croatian National Bank, from 1 July 2025: housing loans at most 90% of the property value, total debt payments at most 45% of income, at most 30 years; banks may exceed the limits for a limited share of loans.":"Bank Nazzjonali Kroat, mill-1 ta' Lulju 2025: self tad-dar l-aktar 90% tal-valur tal-proprjetà, ħlasijiet totali tad-djun l-aktar 45% tad-dħul, l-aktar 30 sena; il-banek jistgħu jaqbżu l-limiti għal sehem limitat tas-self.","The CPP estimate treats your earnings as a share of the YMPE in today’s money and assumes full Old Age Security residence unless you change it; your official estimate is in My Service Canada Account.":"L-istima tas-CPP tittratta l-qligħ tiegħek bħala sehem mill-YMPE fi flus tal-lum u tassumi residenza sħiħa għall-Old Age Security sakemm ma tbiddilhiex; l-istima uffiċjali tiegħek tinsab fil-My Service Canada Account.","The employer contribution under the 2025 reform is phased in on a straight line from 0.1% (2026) to 6% (2033); the official calendar has yearly steps. Your AFP balance and the annuity depend on returns and the official mortality tables.":"Il-kontribuzzjoni tal-impjegatur tar-riforma tal-2025 tiddaħħal b'mod lineari minn 0,1% (2026) sa 6% (2033); il-kalendarju uffiċjali għandu passi annwali. Il-bilanċ AFP tiegħek u l-annwità jiddependu fuq ir-rendimenti u t-tabelli uffiċjali tal-mortalità.","The pension is an estimate: personal points use the 2025 average wage for every year, and the split between pillar I (75% for fund members) and the pillar II annuity is simplified.":"Il-pensjoni hi stima: il-punti personali jużaw il-paga medja tal-2025 għal kull sena, u l-qsim bejn il-pilastru I (75% għall-membri ta' fond) u l-annwità tal-pilastru II hu ssimplifikat.","EI weeks are estimated from your years of work (as hours) and the regional unemployment rate; court-awarded common-law notice is often much longer than the minimum shown.":"Il-ġimgħat tal-EI huma stmati mis-snin ta' xogħol tiegħek (bħala sigħat) u mir-rata tal-qgħad reġjonali; l-avviż li jagħtu l-qrati skont il-common law spiss ikun ħafna itwal mill-minimu muri.","Unemployment insurance is shown as 70% to 35% of your pay for five months; the Solidarity Fund’s monthly caps and your actual account balance are not modelled.":"L-assigurazzjoni tal-qgħad tidher bħala 70% sa 35% tal-paga tiegħek għal ħames xhur; il-limiti ta' kull xahar tal-Fond tas-Solidarjetà u l-bilanċ attwali tal-kont tiegħek mhumiex ikkalkulati.","Your RRSP":"L-RRSP tiegħek","Your APV":"L-APV tiegħek","Send this message to {e}. If your email app does not open, copy the message and paste it into a new email.":"Ibgħat dan il-messaġġ lil {e}. Jekk l-app tal-email tiegħek ma tiftaħx, ikkopja l-messaġġ u waħħlu f'email ġdida.","Open in my email app":"Iftaħ fl-app tal-email tiegħi","Copy message":"Ikkopja l-messaġġ","Copied":"Ikkupjat","You allowed PayAbacus to remember your inputs on this device.":"Ippermettejt lil PayAbacus jiftakar id-dati tiegħek fuq dan l-apparat.","You chose not to have your inputs remembered; nothing is stored except this choice.":"Għażilt li d-dati tiegħek ma jiġux imfakkra; ma jinħażen xejn ħlief din l-għażla.","You have not chosen yet, so nothing is remembered.":"Għadek ma għażiltx, għalhekk ma jiġi mfakkar xejn.","Stop remembering":"Tibqax tiftakar","Remember on this device":"Iftakar fuq dan l-apparat","This notice explains what happens to data when you use PayAbacus. The person responsible (the controller) is named at the end.||No accounts and nothing sent: all calculations run in your browser. What you type is not sent to us or to anyone else, and we cannot see it.||No cookies and no tracking: the site uses no cookies, analytics, advertising, social-media plugins or profiling. Everything the page needs, including its fonts and chart library, is served from this website itself, so no other company is contacted while you use it.||Storage on your device, only with your consent: if you choose “Remember on this device”, your last inputs, language, theme and the sections you opened are kept in your browser’s local storage so you find them next time. This data stays on your device and is never sent to us. Your choice itself is stored so that we do not ask again. The legal basis is your consent (Article 6(1)(a) GDPR and Article 4(5) of Greek Law 3471/2006). You can withdraw it at any time with the button below; this deletes the stored data and does not affect what was lawful before.||Hosting: to deliver the pages, the company that hosts this website automatically receives the technical data every browser sends (IP address, date and time, page requested, browser and device type) and may keep it for a short time in server logs for security and troubleshooting. We do not use this data to identify you or to analyse your visits.||Emails: if you write to us, including with “Report a mistake”, we receive your email address and what you write. The report window only prepares a message that you can read and change; nothing is sent until you send it yourself. We use your message only to reply and to correct the site (legitimate interest, Article 6(1)(f) GDPR) and delete it when it is no longer needed, at the latest after two years. Messages to our address are forwarded by Cloudflare Email Routing to a mailbox provided by Google (Gmail); both process the messages for us.||Your rights: you can ask for access to your personal data, its correction or erasure, restriction of processing and data portability, you can object to processing, and you can withdraw consent at any time. No automated decisions or profiling take place. The site is not directed at children under 15.||We will update this notice if our practices change. Last updated: 12 October 2026.":"Din in-notifika tispjega x'jiġri mid-dati meta tuża PayAbacus. Il-kontrollur jissemma fl-aħħar.||L-ebda kont u xejn ma jintbagħat: il-kalkoli kollha jsiru fil-browser tiegħek. Dak li tikteb ma jintbagħatx lilna jew lil ħaddieħor, u ma nistgħux narawh.||L-ebda cookie u l-ebda traċċar: is-sit ma juża l-ebda cookie, analitika, reklami, plugins tal-midja soċjali jew profilar. Dak kollu li l-paġna għandha bżonn, inklużi t-tipi tal-kitba u l-librerija tal-graffs, jiġi minn dan is-sit stess; waqt li tużah ma tiġi kkuntattjata l-ebda kumpanija oħra.||Ħażna fuq l-apparat tiegħek, biss bil-kunsens tiegħek: jekk tagħżel “Iftakar fuq dan l-apparat”, l-aħħar dati tiegħek, il-lingwa, it-tema u t-taqsimiet li ftaħt jinżammu fil-ħażna lokali tal-browser, biex issibhom id-darba li jmiss. Dawn id-dati jibqgħu fuq l-apparat tiegħek u qatt ma jintbagħtu lilna. L-għażla tiegħek innifisha wkoll tinħażen, biex ma nerġgħux nistaqsuk. Il-bażi legali hi l-kunsens tiegħek (Artikolu 6(1)(a) tal-GDPR u Artikolu 4(5) tal-Liġi Griega 3471/2006). Tista' tirtirah meta trid bil-buttuna t'hawn taħt; b'hekk id-dati maħżuna jitħassru, mingħajr ma tiġi affettwata l-legalità tal-ipproċessar ta' qabel.||Hosting: biex jitwasslu l-paġni, il-kumpanija li tospita dan is-sit tirċievi awtomatikament id-dati tekniċi li jibgħat kull browser (indirizz IP, data u ħin, paġna mitluba, tip ta' browser u apparat) u tista' żżommhom għal żmien qasir fil-logs tas-server għas-sigurtà u biex issolvi problemi. Ma nużawx dawn id-dati biex nidentifikawk jew biex nanalizzaw iż-żjarat tiegħek.||Emails: jekk tiktbilna, inkluż b'“Irrapporta żball”, nirċievu l-indirizz tal-email tiegħek u dak li tikteb. It-tieqa tar-rapport tipprepara biss messaġġ li tista' taqrah u tbiddlu; xejn ma jintbagħat sakemm ma tibagħtux int. Nużaw il-messaġġ biss biex inwieġbu u nikkoreġu s-sit (interess leġittimu, Artikolu 6(1)(f) tal-GDPR) u nħassruh meta ma jibqax meħtieġ, l-aktar tard wara sentejn. Il-messaġġi lill-indirizz tagħna jintbagħtu permezz ta' Cloudflare Email Routing lil kaxxa postali pprovduta minn Google (Gmail); it-tnejn jipproċessaw il-messaġġi f'isimna.||Id-drittijiet tiegħek: tista' titlob aċċess għad-dati personali tiegħek, il-korrezzjoni jew it-tħassir tagħhom, ir-restrizzjoni tal-ipproċessar u l-portabbiltà, toġġezzjona għall-ipproċessar u tirtira l-kunsens meta trid. Ma jittieħdu l-ebda deċiżjonijiet awtomatizzati u ma jsir l-ebda profilar. Is-sit mhuwiex immirat lejn tfal taħt il-15-il sena.||Se naġġornaw din in-notifika jekk jinbidlu l-prattiki tagħna. L-aħħar aġġornament: 12 ta' Ottubru 2026.","Terms of use":"Termini tal-użu","These terms apply to the use of PayAbacus, the website and its calculators, run by {name}, {address}. By using the site you accept them; if you do not agree, please do not use it.||The service: PayAbacus is a free information tool that estimates pay, taxes, contributions, pensions, benefits, mortgages and related figures for selected countries from published rules. No registration is needed. We may change, extend, suspend or remove features or countries at any time without notice.||Estimates, not advice: all results are estimates for information only, based on simplifying assumptions. They are not tax, legal, financial, investment, employment or pension advice, and using the site creates no professional or contractual relationship with us. Do not use the results for payroll, tax returns or official applications; check them with the competent authority, your employer or a qualified professional before making decisions.||Accuracy: we use official and open sources and test the calculators against official examples, but we do not guarantee that the information is complete, correct or up to date. Rules change, sometimes during the year; each country shows the rules year and when it was last checked.||Liability: the site is provided free of charge, “as is” and “as available”. To the extent permitted by law, the owner is not liable for any loss or damage arising from the use of the site or the inability to use it, including decisions taken on the basis of its results. This does not limit liability for intent or gross negligence, for injury to life, body or health, or where liability cannot be excluded under mandatory law, including consumer protection law.||Acceptable use: you may use the site for your own information. Do not misuse it, for example by automated mass access or scraping, by trying to break or overload it, or by presenting its results as official figures or as advice from us.||Intellectual property: the texts, design, code and calculators of PayAbacus are protected by copyright. You may share screenshots or individual results for non-commercial purposes if you name PayAbacus as the source. Official data belongs to its sources (for example Eurostat, the OECD and national authorities) and is used under their reuse terms; the fonts and the chart library are used under the SIL Open Font License and the MIT licence.||Links to other websites are provided for information; their owners are responsible for their content. How we handle data is explained in the Privacy notice.||Changes: we may update these terms; the version shown here applies from its date, and continuing to use the site after a change means you accept the new version.||Law and disputes: these terms are governed by Greek law. If you are a consumer, this does not take away the protection of the mandatory law of your country of residence. Disputes are subject to the courts of Athens, Greece, unless mandatory law gives consumers another court.||Contact: {email}. Last updated: 12 October 2026.":"Dawn it-termini japplikaw għall-użu ta' PayAbacus, is-sit u l-kalkulaturi tiegħu, immexxi minn {name}, {address}. Billi tuża s-sit taċċettahom; jekk ma taqbilx, jekk jogħġbok tużahx.||Is-servizz: PayAbacus hu għodda ta' informazzjoni b'xejn li tistma l-paga, it-taxxi, il-kontribuzzjonijiet, il-pensjonijiet, il-benefiċċji, is-self tad-dar u ammonti relatati għal pajjiżi magħżula minn regoli ppubblikati. M'hemmx bżonn reġistrazzjoni. Nistgħu nbiddlu, nestendu, nissospendu jew inneħħu funzjonijiet jew pajjiżi f'kull ħin mingħajr avviż.||Stimi, mhux parir: ir-riżultati kollha huma stimi għall-informazzjoni biss, ibbażati fuq suppożizzjonijiet issimplifikati. Mhumiex parir dwar it-taxxa, legali, finanzjarju, ta' investiment, tal-impjieg jew tal-pensjoni, u l-użu tas-sit ma joħloq l-ebda relazzjoni professjonali jew kuntrattwali magħna. Tużax ir-riżultati għall-paga, għad-dikjarazzjonijiet tat-taxxa jew għal applikazzjonijiet uffiċjali; ivverifikahom mal-awtorità kompetenti, mal-impjegatur tiegħek jew ma' professjonist qabel ma tieħu deċiżjonijiet.||Preċiżjoni: nużaw sorsi uffiċjali u miftuħa u nittestjaw il-kalkulaturi ma' eżempji uffiċjali, iżda ma niggarantixxux li l-informazzjoni hi sħiħa, korretta jew aġġornata. Ir-regoli jinbidlu, xi drabi matul is-sena; kull pajjiż juri s-sena tar-regoli u meta ġew iċċekkjati l-aħħar.||Responsabbiltà: is-sit jingħata b'xejn, “kif inhu” u “kif disponibbli”. Safejn tippermetti l-liġi, is-sid mhuwiex responsabbli għal telf jew ħsara li tirriżulta mill-użu tas-sit jew mill-impossibbiltà li jintuża, inklużi deċiżjonijiet meħuda fuq il-bażi tar-riżultati tiegħu. Dan ma jillimitax ir-responsabbiltà għal qerq jew negliġenza gravi, għal ħsara lill-ħajja, lill-ġisem jew lis-saħħa, jew fejn ir-responsabbiltà ma tistax tiġi eskluża taħt liġi obbligatorja, inkluża l-liġi tal-protezzjoni tal-konsumatur.||Użu aċċettabbli: tista' tuża s-sit għall-informazzjoni tiegħek. Tużahx ħażin, pereżempju b'aċċess awtomatizzat bil-massa jew scraping, b'tentattivi biex tiksru jew tgħabbih iżżejjed, jew billi tippreżenta r-riżultati tiegħu bħala ċifri uffiċjali jew bħala parir minna.||Proprjetà intellettwali: it-testi, id-disinn, il-kodiċi u l-kalkulaturi ta' PayAbacus huma protetti bid-drittijiet tal-awtur. Tista' taqsam screenshots jew riżultati individwali għal skopijiet mhux kummerċjali jekk issemmi lil PayAbacus bħala s-sors. Id-dati uffiċjali jappartjenu lis-sorsi tagħhom (pereżempju Eurostat, l-OECD u l-awtoritajiet nazzjonali) u jintużaw skont il-kundizzjonijiet tal-użu mill-ġdid tagħhom; it-tipi tal-kitba u l-librerija tal-graffs jintużaw taħt is-SIL Open Font License u l-liċenzja MIT.||Il-links għal siti oħra jingħataw għall-informazzjoni; is-sidien tagħhom huma responsabbli għall-kontenut. Kif nittrattaw id-dati hu spjegat fin-notifika tal-privatezza.||Bidliet: nistgħu naġġornaw dawn it-termini; il-verżjoni murija hawn tapplika mid-data tagħha, u jekk tkompli tuża s-sit wara bidla, dan ifisser li taċċetta l-verżjoni l-ġdida.||Liġi u tilwim: dawn it-termini huma rregolati mil-liġi Griega. Jekk int konsumatur, dan ma jneħħilekx il-protezzjoni tal-liġi obbligatorja tal-pajjiż fejn tgħix. It-tilwim jaqa' taħt il-qrati ta' Ateni, il-Greċja, sakemm il-liġi obbligatorja ma tagħtix lill-konsumaturi qorti oħra.||Kuntatt: {email}. L-aħħar aġġornament: 12 ta' Ottubru 2026.","Disclaimer: PayAbacus provides estimates for information only. They are based on the published rules and official sources listed for each country, with simplifying assumptions, and are not tax, legal, financial, investment, employment or pension advice. Your actual pay, taxes, benefits and pension may differ, rules can change during the year, and errors are possible despite careful checks. Before making decisions, confirm with the competent authority, your employer or a qualified professional. No liability is accepted for decisions based on these results, except where the law provides otherwise.":"Ċaħda ta' responsabbiltà: PayAbacus jipprovdi stimi għall-informazzjoni biss. Huma bbażati fuq ir-regoli ppubblikati u s-sorsi uffiċjali elenkati għal kull pajjiż, b'suppożizzjonijiet issimplifikati, u mhumiex parir dwar it-taxxa, legali, finanzjarju, ta' investiment, tal-impjieg jew tal-pensjoni. Il-paga, it-taxxi, il-benefiċċji u l-pensjoni reali tiegħek jistgħu jkunu differenti, ir-regoli jistgħu jinbidlu matul is-sena u, minkejja kontrolli bir-reqqa, jistgħu jkun hemm żbalji. Qabel ma tieħu deċiżjonijiet, ikkonferma mal-awtorità kompetenti, mal-impjegatur tiegħek jew ma' professjonist kwalifikat. Ma tiġi aċċettata l-ebda responsabbiltà għal deċiżjonijiet ibbażati fuq dawn ir-riżultati, ħlief fejn il-liġi tipprovdi mod ieħor.","PayAbacus uses no cookies and no tracking. With your permission it can remember your inputs, language and display choices in this browser so you find them next time. This data never leaves your device.":"PayAbacus ma jużax cookies u ma jagħmilx traċċar. Bil-permess tiegħek jista' jiftakar id-dati, il-lingwa u l-għażliet tal-wiri tiegħek f'dan il-browser, biex issibhom id-darba li jmiss. Dawn id-dati qatt ma jħallu l-apparat tiegħek.","Don’t remember":"Tiftakarx","Disclaimer":"Ċaħda ta' responsabbiltà","Estimate for information only, not advice. Calculated with PayAbacus.":"Stima għall-informazzjoni biss, mhux parir. Ikkalkulat b'PayAbacus.","Disclaimer: estimates for information only, not tax, legal or financial advice. Confirm with the competent authority before making decisions.":"Ċaħda ta' responsabbiltà: stimi għall-informazzjoni biss, mhux parir dwar it-taxxa, legali jew finanzjarju. Ikkonferma mal-awtorità kompetenti qabel ma tieħu deċiżjonijiet.","Print or save as PDF":"Ipprintja jew issejvja bħala PDF","Printed from PayAbacus on {d}. Estimates for information only, not advice.":"Ipprintjat minn PayAbacus fl-{d}. Stimi għall-informazzjoni biss, mhux parir.","Meal card / month (net)":"Karta tal-ikel / xahar (nett)","Fuel card / month (net)":"Karta tal-fjuwil / xahar (nett)","Meal card (net, × 12)":"Karta tal-ikel (nett, × 12)","Fuel card (net, × 12)":"Karta tal-fjuwil (nett, × 12)","Net pay + benefits / year":"Paga netta + benefiċċji / sena","Entered as net amounts and added to your net pay as they are. Most countries exempt meal and fuel cards only up to a limit or for business use; above it the excess is taxed as pay, so check your payslip.":"Jiddaħħlu bħala ammonti netti u jiżdiedu kif inhuma mal-paga netta tiegħek. Il-biċċa l-kbira tal-pajjiżi jeżentaw il-karti tal-ikel u tal-fjuwil biss sa ċertu limitu jew għal użu tax-xogħol; aktar minn hekk, id-differenza tiġi ntaxxata bħala paga, għalhekk iċċekkja l-payslip tiegħek.","Reduction for tax withheld from pay ({p})":"Tnaqqis għat-taxxa miżmuma mill-paga ({p})","within €25 or 0.5% of the official figure; {n} past-year totals within 0.5% of the wage":"fi ħdan €25 jew 0.5% taċ-ċifra uffiċjali; {n} totali ta’ snin preċedenti fi ħdan 0.5% tal-paga","Childcare & dependent subsidies / month (net)":"Sussidji għall-kura tat-tfal & dipendenti / xahar (nett)","Other benefits / month (net)":"Benefiċċji oħra / xahar (nett)","Extra benefits":"Benefiċċji addizzjonali","Partner net / month":"Paga netta tas-sieħeb / xahar","Partner enters":"Is-sieħeb idaħħal","Partner salaries / year":"Pagi tas-sieħeb / sena","Childcare & dependent subsidies (net, × 12)":"Sussidji għall-kura tat-tfal & dipendenti (nett, × 12)","Other benefits (net, × 12)":"Benefiċċji oħra (nett, × 12)","Entered as net amounts and added to your net pay as they are. Most countries exempt such benefits only up to a limit or for specific uses; above it the excess is taxed as pay, so check your payslip.":"Jiddaħħlu bħala ammonti netti u jiżdiedu kif inhuma mal-paga netta tiegħek. Il-biċċa l-kbira tal-pajjiżi jeżentaw dawn il-benefiċċji biss sa ċertu limitu jew għal użi speċifiċi; aktar minn hekk, id-differenza tiġi ntaxxata bħala paga, għalhekk iċċekkja l-payslip tiegħek.","Work until your pension age":"Aħdem sal-età tal-pensjoni tiegħek","Your money runs out at {a}":"Il-flus tiegħek jispiċċaw fl-età ta’ {a}"," Simple count, without interest, inflation or pension.":" Għadd sempliċi, mingħajr imgħax, inflazzjoni jew pensjoni."," Unlike the emergency fund, which is a simple count, these results add interest, inflation and the state pension and, if you entered them, the end of the mortgage and planned drops in spending. Savings are used first; the investment account keeps growing until it is needed. So your money can last longer than the emergency-fund count suggests.":" B’differenza mill-fond ta’ emerġenza, li huwa għadd sempliċi, dawn ir-riżultati jinkludu l-imgħax, l-inflazzjoni u l-pensjoni tal-istat u, jekk daħħalthom, it-tmiem tas-self tad-dar u t-tnaqqis ippjanat fl-infiq. It-tfaddil jintuża l-ewwel; il-kont ta’ investiment ikompli jikber sakemm ikun meħtieġ. Għalhekk il-flus tiegħek jistgħu jdumu aktar milli jindika l-fond ta’ emerġenza.","Each dotted line, in the colour of its scenario, is the part of that scenario held in the investment account.":"Kull linja bit-tikek, fil-kulur tax-xenarju tagħha, hija l-parti ta’ dak ix-xenarju li tinsab fil-kont ta’ investiment.","From your employer (% of gross)":"Minn min iħaddmek (% tal-gross)","From your salary":"Mill-paga tiegħek","Plan and payout":"Pjan u ħlas","From your bonus (% of bonus)":"Mill-bonus tiegħek (% tal-bonus)"," Room left: {r} a year, so From your salary can go up to {p} (it is a % of salary only, without the bonus).":" Spazju li fadal: {r} fis-sena, għalhekk “Mill-paga tiegħek” jista’ jitla’ sa {p} (huwa % tal-paga biss, mingħajr il-bonus).","{a} per salary from you + {b} from your employer":"{a} kull paga minnek + {b} minn min iħaddmek"," + {c} a year from your bonus":" + {c} fis-sena mill-bonus tiegħek","= {t} a year into the plan":"= {t} fis-sena fil-pjan","Future money":"Flus futuri","Inflation / year (%)":"Inflazzjoni / sena (%)"," · in today’s money":" · fi flus tal-lum","In today’s money: each future amount is divided by inflation of {i} a year up to that year, so it shows what it would buy now.":"Fi flus tal-lum: kull ammont futur jinqasam bl-inflazzjoni ta’ {i} fis-sena sa dik is-sena, biex juri x’jixtri llum.","Hide full breakdown ▴":"Aħbi d-dettall sħiħ ▴","Show full breakdown ▾":"Uri d-dettall sħiħ ▾","{v} saved":"{v} iffrankati","EFKA is still paid on your full gross; only income tax goes down. Your saving is roughly your top tax rate on every euro you contribute. The money in the plan is counted at full value, before the tax due when it is paid out; “What you gain in year 1” shows what it is worth if you take it out.":"L-EFKA xorta titħallas fuq il-gross kollu; it-taxxa fuq id-dħul biss tonqos. L-iffrankar tiegħek huwa bejn wieħed u ieħor ir-rata marġinali tiegħek fuq kull ewro li tikkontribwixxi. Il-flus fil-pjan jingħaddu bil-valur sħiħ, qabel it-taxxa dovuta meta jitħallsu; “Dak li taqla’ fl-ewwel sena” juri kemm jiswew jekk toħroġhom.","Why this differs from the table above:":"Għaliex dan ivarja mit-tabella ta’ fuq:","the table shows {d} because it counts the money in the plan at full value. Here the plan is valued as if you cashed it in after 1 year: {d} + {i} return − {x} payout tax ({r}) = {g}. The payout tax falls the longer the money stays in the plan (down to {m} after more than 20 years), so over time the gain moves closer to the table figure.":"it-tabella turi {d} għax tgħodd il-flus fil-pjan bil-valur sħiħ. Hawn il-pjan jiġi vvalutat bħallikieku tiġbdu wara 1 sena: {d} + {i} redditu − {x} taxxa fuq il-ħlas ({r}) = {g}. It-taxxa fuq il-ħlas tonqos iktar ma l-flus jibqgħu fil-pjan (sa {m} wara aktar minn 20 sena), għalhekk maż-żmien il-qligħ jersaq lejn iċ-ċifra tat-tabella.","purchasing power in EUR, priced as in {c}":"saħħa tal-akkwist f’EUR, livell tal-prezzijiet: {c}","With Purchasing power, every amount is converted to euros and adjusted to {c} prices, so a longer bar means it buys more than the same money would there.":"Bis-saħħa tal-akkwist, kull ammont jinbidel f’ewro u jiġi aġġustat għal-livell tal-prezzijiet tal-pajjiż ta’ referenza ({c}): virga itwal tfisser li tixtri aktar milli bl-istess flus hemm.","With Nominal EUR, amounts are only converted to euros at ECB reference rates, without adjusting for price levels.":"B’EUR nominali, l-ammonti jinbidlu biss f’ewro bir-rati ta’ referenza tal-BĊE, mingħajr aġġustament għal-livelli tal-prezzijiet.","{h} is the reference: there you keep {gr} a year.":"Pajjiż ta’ referenza: {h}. Hemm jibqgħalek {gr} fis-sena.","<b>{c}</b>: you keep {net}{fx}, {d} than in {h}. Prices are {pd} (price level {pl} vs {pgr}), so this buys what <b>{pp}</b> buys there: {ppd} purchasing power.":"<b>{c}</b>: jibqgħalek {net}{fx}, {d} milli fil-pajjiż ta’ referenza ({h}). Il-prezzijiet huma {pd} (livell tal-prezzijiet {pl} kontra {pgr}), għalhekk dan jixtri dak li jixtru <b>{pp}</b> fil-pajjiż ta’ referenza: {ppd} saħħa tal-akkwist."," / year, priced as in {c}":" / sena, livell tal-prezzijiet: {c}","Purchasing power (priced as in {c})":"Saħħa tal-akkwist (livell tal-prezzijiet: {c})","Gross for same buying power as in {c}":"Gross għall-istess saħħa tal-akkwist bħall-pajjiż ta’ referenza ({c})","Single person, {k} children, age {a}, 2026 rules. Purchasing power converts net pay to euros and adjusts it by each country’s price level for household consumption (Eurostat, EU=100: {c} {pc}, Germany {de}, Italy {it}, Spain {es}, UK {gb}), so every amount shows what it would buy in {c}. These are national averages: big cities, especially rents in Munich, Milan, Madrid or London, can be much higher.":"Persuna waħedha, {k} tfal, età {a}, regoli tal-2026. Is-saħħa tal-akkwist tibdel il-paga netta f’ewro u taġġustaha għal-livell tal-prezzijiet tal-konsum tal-familji ta’ kull pajjiż (Eurostat, UE=100: {c} {pc}, il-Ġermanja {de}, l-Italja {it}, Spanja {es}, ir-Renju Unit {gb}), biex kull ammont juri x’jixtri fil-pajjiż ta’ referenza ({c}). Dawn huma medji nazzjonali: il-bliet il-kbar, speċjalment il-kirjiet fi Munich, Milan, Madrid jew Londra, jistgħu jkunu ħafna aktar għaljin."," / month, priced as in {c}":" / xahar, livell tal-prezzijiet: {c}","Buying power / month (priced as in {c})":"Saħħa tal-akkwist / xahar (livell tal-prezzijiet: {c})"," incl. unemployment benefit, priced as in {c}":" inkluż il-benefiċċju tal-qgħad, livell tal-prezzijiet: {c}","Total (priced as in {c})":"Total (livell tal-prezzijiet: {c})","Show key columns only ▴":"Il-kolonni ewlenin biss ▴","Show all details ▾":"Uri d-dettalji kollha ▾","Money left each month after rent and bills, priced as in {c}":"Flus li jibqgħu kull xahar wara l-kera u l-kontijiet, livell tal-prezzijiet: {c}","Left, priced as in {c}":"Jibqa’, livell tal-prezzijiet: {c}","Same, priced as in {c}":"L-istess, livell tal-prezzijiet: {c}","What this compares: the same gross salary of {g} a year, run through each country’s 2026 tax and social-security rules for a single person aged {a} with {k} children. Each bar is that gross split into net pay (what you keep), income tax, your social security and, on top, the employer’s social security.":"X’qed inqabblu: l-istess salarju gross ta’ {g} fis-sena, ikkalkulat bir-regoli tat-taxxa u tal-kontribuzzjonijiet tal-2026 ta’ kull pajjiż għal persuna waħedha ta’ {a} sena b’{k} tfal. Kull virga hija dak il-gross maqsum f’paga netta (dak li jibqgħalek), taxxa fuq id-dħul, il-kontribuzzjonijiet tiegħek u, fuqhom, il-kontribuzzjonijiet ta’ min iħaddem.","What this compares: from the same gross salary of {g} a year, your net pay per month in each country minus the typical rent and, if ticked, the bills for your household, from official statistics. For each country the first bar is the money left in euros; the second is the same money adjusted to {c} prices, i.e. what it would buy there. A longer second bar means more left to live on.":"X’qed inqabblu: mill-istess salarju gross ta’ {g} fis-sena, il-paga netta tiegħek fix-xahar f’kull pajjiż nieqes il-kera tipika u, jekk immarkat, il-kontijiet għad-dar tiegħek, minn statistika uffiċjali. Għal kull pajjiż l-ewwel virga hija l-flus li jibqgħu f’ewro; it-tieni hija l-istess flus aġġustati għal-livell tal-prezzijiet tal-pajjiż ta’ referenza ({c}), jiġifieri x’jixtru hemm. It-tieni virga itwal tfisser aktar flus biex tgħix.","What this compares: the net state pension a year in each country after the same career on the same salary ({g} a year, {y} years so far plus {m} more), claimed at the age chosen on the left. The label shows the claim age.":"X’qed inqabblu: il-pensjoni statali netta fis-sena f’kull pajjiż wara l-istess karriera bl-istess salarju ({g} fis-sena, {y} sena s’issa u {m} oħra), mitluba fl-età magħżula fuq ix-xellug. It-tikketta turi l-età tal-pensjoni.","What this compares: what you would receive in each country if your employer dismissed you without fault, on {g} a year: net severance, pay for unused leave and the estimated total unemployment benefit, stacked in each bar.":"X’qed inqabblu: x’tirċievi f’kull pajjiż jekk min iħaddmek ikeċċik mingħajr ħtija tiegħek, b’{g} fis-sena: kumpens nett, ħlas tal-leave mhux meħud u t-total stmat tal-benefiċċju tal-qgħad, wieħed fuq l-ieħor f’kull virga.","What this compares: the legal minimum paid days off a year in each country for a 5-day week, annual leave plus public holidays that fall on weekdays in {y}. The table adds the main maternity, paternity, parental and sick-leave rules.":"X’qed inqabblu: il-minimu legali ta’ jiem liberi bi ħlas fis-sena f’kull pajjiż għal ġimgħa ta’ 5 ijiem, leave annwali flimkien mal-festi pubbliċi li jaħbtu f’jiem tax-xogħol fl-{y}. It-tabella żżid ir-regoli ewlenin dwar il-maternità, il-paternità, il-leave tal-ġenituri u l-mard.","Past avg pay, EUR / year":"Paga medja tal-passat, EUR / sena","Base year (money of)":"Sena bażi (flus tal-)","Bonus entered as":"Il-bonus jiddaħħal bħala","% of annual salary":"% tas-salarju annwali","Amount per year":"Ammont fis-sena","Quick fill":"Mili malajr","Starting year":"Sena tal-bidu","Gross / month in the starting year":"Gross / xahar fis-sena tal-bidu","Fill empty years":"Imla s-snin vojta","Clear all years":"Ħassar is-snin kollha","Clear the salaries entered for every year?":"Tħassar is-salarji li daħħalt għas-snin kollha?","Enter the gross monthly salary you had each year; leave a year empty to skip it. Net pay is calculated with that year’s tax and social-security rules for {c}.":"Daħħal is-salarju gross fix-xahar li kellek kull sena; ħalli sena vojta biex taqbiżha. Il-paga netta tiġi kkalkulata bir-regoli tat-taxxa u tal-kontribuzzjonijiet ta’ dik is-sena għal: {c}.","Enter the gross monthly salary for each year. For {c} the site has only the 2026 rules, so for earlier years also enter the net per month from your payslips.":"Daħħal is-salarju gross fix-xahar għal kull sena. Għal {c} is-sit għandu biss ir-regoli tal-2026, għalhekk għas-snin ta’ qabel daħħal ukoll il-paga netta fix-xahar mill-payslips tiegħek.","Your salary, year by year":"Is-salarju tiegħek, sena b’sena","The current year uses the Salary tab when left empty. Amounts in {cur}.":"Is-sena kurrenti, jekk titħalla vojta, tuża t-tab tas-Salarju. Ammonti f’{cur}.","Bonus (% of salary)":"Bonus (% tas-salarju)","Net / month (payslip)":"Nett / xahar (payslip)","calculated":"ikkalkulat","Net per month in {y}":"Nett fix-xahar fl-{y}","{v} a month in {b} money · real change since {f}: {d}":"{v} fix-xahar fi flus tal-{b} · bidla reali mill-{f}: {d}","Enter at least one year to see your history.":"Daħħal mill-inqas sena waħda biex tara l-istorja tiegħek.","Best year in real terms":"L-aħjar sena f’termini reali","Weakest year in real terms":"L-aktar sena dgħajfa f’termini reali","net / month in {b} money":"nett / xahar fi flus tal-{b}","Real change, {f} → {l}":"Bidla reali, {f} → {l}","net pay after inflation":"nett wara l-inflazzjoni","Prices, {f} → {b}":"Prezzijiet, {f} → {b}","what cost {a} in {f} cost {v} in {b}":"dak li kien jiswa {a} fl-{f} kien jiswa {v} fl-{b}","Net pay per year in {b} money":"Nett fis-sena fi flus tal-{b}","Bars: your net pay each year converted into {b} money with the consumer price index, so the years can be compared. Line: the net pay as it was paid at the time.":"Vireg: il-paga netta tiegħek kull sena maqluba fi flus tal-{b} bl-indiċi tal-prezzijiet tal-konsumatur, biex is-snin ikunu jistgħu jitqabblu. Linja: il-paga netta kif kienet titħallas dak iż-żmien.","Net, in {b} money":"Nett, fi flus tal-{b}","Net, as paid":"Nett, kif imħallas","Real change in net pay vs {b}":"Bidla reali fil-paga netta meta mqabbla mal-{b}","Real change vs {b}":"Bidla reali meta mqabbla mal-{b}","Net / year in {b} money":"Nett / sena fi flus tal-{b}","There is no salary for {b}, so the real change is measured against {r}.":"M’hemmx salarju għall-{b}, għalhekk il-bidla reali titkejjel meta mqabbla mal-{r}.","Net pay uses each year’s income-tax and social-security rules for an employee (Greece with the options of the Salary tab, such as children; other countries for a single person without children). “In {b} money” multiplies each year by the rise in consumer prices between that year and {b} (national consumer price index), so it shows what that pay would buy in {b}.":"Il-paga netta tuża r-regoli tat-taxxa fuq id-dħul u tal-kontribuzzjonijiet ta’ kull sena għal impjegat (il-Greċja bl-għażliet tat-tab tas-Salarju, bħat-tfal; pajjiżi oħra għal persuna waħedha mingħajr tfal). “Fi flus tal-{b}” timmultiplika kull sena biż-żieda fil-prezzijiet tal-konsumatur bejn dik is-sena u l-{b} (indiċi nazzjonali tal-prezzijiet tal-konsumatur), biex turi x’kienet tixtri dik il-paga fl-{b}.","For {c}, net pay before 2026 is the amount you entered; a year without it shows no net.":"Għal {c}, il-paga netta qabel l-2026 hija l-ammont li daħħalt; sena mingħajrha ma turi ebda nett.","Salary history":"Storja tas-salarju","Your salary over the years":"Is-salarju tiegħek matul is-snin","For your pension: average gross so far":"Għall-pensjoni tiegħek: gross medju s’issa","Average gross / month, in today’s money":"Gross medju / xahar, fi flus tal-lum","{n} years, {a}–{b}":"{n} snin, {a}–{b}","Average gross / month, as paid":"Gross medju / xahar, kif imħallas","without adjusting for prices":"mingħajr aġġustament għall-prezzijiet","The average of the gross monthly salaries you entered for past years (bonus not included). The Pension tab asks for past pay in today’s money, so the first figure raises each year by the price rise from that year to today. Years insured are set separately in the Pension tab.":"Il-medja tas-salarji gross fix-xahar li daħħalt għas-snin li għaddew (mingħajr bonus). It-tab tal-Pensjoni titlob il-paga tal-passat fi flus tal-lum, għalhekk l-ewwel ċifra tgħolli kull sena biż-żieda fil-prezzijiet minn dik is-sena sal-lum. Is-snin ta’ kontribuzzjoni jiġu ssettjati separatament fit-tab tal-Pensjoni.","Use {v} in the Pension tab":"Uża {v} fit-tab tal-Pensjoni","Saved: the Pension tab now uses {v}.":"Issejvjat: it-tab tal-Pensjoni issa tuża {v}.","Past years use each year’s standard rules for an employee (outside Greece for a single person without children); allowances, regional taxes or special schemes you had in a given year are not included.":"Is-snin ta’ qabel jużaw ir-regoli standard ta’ kull sena għal impjegat (barra l-Greċja għal persuna waħedha mingħajr tfal); tnaqqis, taxxi reġjonali jew skemi speċjali li kellek f’ċerta sena mhumiex inklużi.","The site has no tax rules before 2026 for {c}, so net pay for those years is the amount you enter from your payslips.":"Is-sit m’għandux regoli tat-taxxa qabel l-2026 għal {c}, għalhekk il-paga netta ta’ dawk is-snin hija l-ammont li ddaħħal mill-payslips tiegħek.","This notice explains what happens to data when you use PayAbacus. The person responsible (the controller) is named at the end.||No accounts and nothing sent: all calculations run in your browser. What you type is not sent to us or to anyone else, and we cannot see it.||No cookies, no advertising and no profiling: the site sets no cookies and has no ads or social-media plugins. To see which pages are used, visits are counted with Cloudflare Web Analytics, which works without cookies, does not follow you across websites and does not build profiles. If a page hits a technical error, your browser sends a short error report (the error message, the page and the browser type), never what you typed. The legal basis is our legitimate interest in a working, secure website (Article 6(1)(f) GDPR). 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To deliver the pages, Cloudflare automatically receives the technical data every browser sends (IP address, date and time, page requested, browser and device type) and may keep it for a short time in server logs for security, protection against attacks and troubleshooting. Error reports are deleted after 30 days at the latest. Data may be processed in the USA; Cloudflare is certified under the EU-U.S. Data Privacy Framework and also uses the EU Standard Contractual Clauses. We do not use this data to identify you.||Emails: if you write to us, including with “Report a mistake”, we receive your email address and what you write. The report window only prepares a message that you can read and change; nothing is sent until you send it yourself. We use your message only to reply and to correct the site (legitimate interest, Article 6(1)(f) GDPR) and delete it when it is no longer needed, at the latest after two years. Messages to our address are forwarded by Cloudflare Email Routing to a mailbox provided by Google (Gmail); both process the messages for us.||Your rights: you can ask for access to your personal data, its correction or erasure, restriction of processing and data portability, you can object to processing, and you can withdraw consent at any time. No automated decisions or profiling take place. The site is not directed at children under 15.||We will update this notice if our practices change. Last updated: 22 October 2026.":"Din in-notifika tispjega x'jiġri mid-dati meta tuża PayAbacus. Il-kontrollur jissemma fl-aħħar.||L-ebda kont u xejn ma jintbagħat: il-kalkoli kollha jsiru fil-browser tiegħek. Dak li tikteb ma jintbagħatx lilna jew lil ħaddieħor, u ma nistgħux narawh.||L-ebda cookie, l-ebda reklam u l-ebda profilar: is-sit ma juża l-ebda cookie u m'għandux reklami jew plugins tal-midja soċjali. Biex naraw liema paġni jintużaw, iż-żjarat jingħaddu b'Cloudflare Web Analytics, li jaħdem mingħajr cookies, ma jsegwikx minn sit għal ieħor u ma joħloqx profili. Jekk paġna jkollha żball tekniku, il-browser tiegħek jibgħat rapport qasir tal-iżball (il-messaġġ tal-iżball, il-paġna u t-tip ta' browser), qatt dak li ktibt. Il-bażi legali hija l-interess leġittimu tagħna f'sit li jaħdem tajjeb u b'mod sigur (Artikolu 6(1)(f) tal-GDPR). It-tipi tal-kitba u l-librerija tal-graffs jiġu minn dan is-sit stess.||Ħażna fuq l-apparat tiegħek, biss bil-kunsens tiegħek: jekk tagħżel “Iftakar fuq dan l-apparat”, l-aħħar dati tiegħek, il-lingwa, it-tema u t-taqsimiet li ftaħt jinżammu fil-ħażna lokali tal-browser, biex issibhom id-darba li jmiss. Dawn id-dati jibqgħu fuq l-apparat tiegħek u qatt ma jintbagħtu lilna. L-għażla tiegħek innifisha wkoll tinħażen, biex ma nerġgħux nistaqsuk. Il-bażi legali hi l-kunsens tiegħek (Artikolu 6(1)(a) tal-GDPR u Artikolu 4(5) tal-Liġi Griega 3471/2006). Tista' tirtirah meta trid bil-buttuna t'hawn taħt; b'hekk id-dati maħżuna jitħassru, mingħajr ma tiġi affettwata l-legalità tal-ipproċessar ta' qabel.||Hosting: is-sit huwa ospitat minn Cloudflare, Inc. (101 Townsend St., San Francisco, CA 94107, l-Istati Uniti), li tipproċessa d-dati f'isimna taħt ftehim dwar l-ipproċessar tad-dati. Biex jitwasslu l-paġni, Cloudflare tirċievi awtomatikament id-dati tekniċi li jibgħat kull browser (indirizz IP, data u ħin, paġna mitluba, tip ta' browser u apparat) u tista' żżommhom għal żmien qasir fil-logs tas-server għas-sigurtà, il-protezzjoni kontra attakki u biex issolvi problemi. Ir-rapporti tal-iżbalji jitħassru l-aktar tard wara 30 jum. Id-dati jistgħu jiġu pproċessati fl-Istati Uniti; Cloudflare hija ċċertifikata taħt l-EU-U.S. Data Privacy Framework u tuża wkoll il-Klawżoli Kuntrattwali Standard tal-UE. Ma nużawx dawn id-dati biex nidentifikawk.||Emails: jekk tiktbilna, inkluż b'“Irrapporta żball”, nirċievu l-indirizz tal-email tiegħek u dak li tikteb. It-tieqa tar-rapport tipprepara biss messaġġ li tista' taqrah u tbiddlu; xejn ma jintbagħat sakemm ma tibagħtux int. Nużaw il-messaġġ biss biex inwieġbu u nikkoreġu s-sit (interess leġittimu, Artikolu 6(1)(f) tal-GDPR) u nħassruh meta ma jibqax meħtieġ, l-aktar tard wara sentejn. Il-messaġġi lill-indirizz tagħna jintbagħtu permezz ta' Cloudflare Email Routing lil kaxxa postali pprovduta minn Google (Gmail); it-tnejn jipproċessaw il-messaġġi f'isimna.||Id-drittijiet tiegħek: tista' titlob aċċess għad-dati personali tiegħek, il-korrezzjoni jew it-tħassir tagħhom, ir-restrizzjoni tal-ipproċessar u l-portabbiltà, toġġezzjona għall-ipproċessar u tirtira l-kunsens meta trid. Ma jittieħdu l-ebda deċiżjonijiet awtomatizzati u ma jsir l-ebda profilar. Is-sit mhuwiex immirat lejn tfal taħt il-15-il sena.||Se naġġornaw din in-notifika jekk jinbidlu l-prattiki tagħna. L-aħħar aġġornament: 22 ta' Ottubru 2026.","PayAbacus uses no cookies. Visits are counted anonymously, without cookies or profiles. With your permission it can remember your inputs, language and display choices in this browser so you find them next time. This data never leaves your device.":"PayAbacus ma jużax cookies. Iż-żjarat jingħaddu b'mod anonimu, mingħajr cookies jew profili. Bil-permess tiegħek jista' jiftakar id-dati, il-lingwa u l-għażliet tal-wiri tiegħek f'dan il-browser, biex issibhom id-darba li jmiss. Dawn id-dati qatt ma jħallu l-apparat tiegħek.","Unused leave ({0} days)":"Leave mhux użat ({0} jiem)","Annual leave · {0}":"Leave annwali · {0}","working days · legal minimum {0}":"jiem tax-xogħol · minimu legali {0}","Claim at {0} · {1} years · {2}":"Pensjoni fl-età ta’ {0} · {1} snin · {2}","{0} weeks":"{0} ġimgħat","Bonus":"Bonus","age {0}":"età {0}","{0} years of service":"{0} snin ta’ servizz","{0} days":"{0} jiem","after {0} tax & charges":"wara {0} taxxa u ħlasijiet","{0} → {1} (max {2} weeks)":"{0} → {1} (massimu {2} ġimgħat)","{0} / week at first, {1} weeks":"{0} / ġimgħa fil-bidu, {1} ġimgħat","{0} less than without it ({1}) · tax & contributions saved cover {2}":"{0} inqas milli mingħajru ({1}) · it-taxxa u l-kontribuzzjonijiet iffrankati jkopru {2}","Contributions of {0} exceed the limit by {1}; the excess gets no relief.":"Kontribuzzjonijiet ta’ {0} jaqbżu l-limitu b’{1}; l-eċċess ma jieħu l-ebda ħelsien.","Income tax (single rates)":"Taxxa fuq id-dħul (rati single)","Two-thirds pension: ⅔ of your average pay over the best {0} years (capped at {1}) × {2}/{3} years of contributions. Age {4} (born from {5}); from {6} if you have the full {7} years and stop working. Cost-of-living increases are added every year.":"Pensjoni ta’ żewġ terzi: ⅔ tal-paga medja tal-aqwa {0} snin (b’limitu ta’ {1}) × {2}/{3} snin ta’ kontribuzzjonijiet. Età ta’ {4} (imwieled mill-{5}); mill-{6} jekk għandek il-{7} sena sħaħ u tieqaf taħdem. Iż-żidiet għall-għoli tal-ħajja jiżdiedu kull sena.","Personal retirement schemes give a {0} tax credit on up to {1} a year (max {2}), here {3}, shown as an extra contribution.":"L-iskemi personali tal-irtirar jagħtu kreditu tat-taxxa ta’ {0} fuq sa {1} fis-sena (massimu {2}), hawn {3}, muri bħala kontribuzzjoni żejda.","Country and language":"Pajjiż u lingwa","Country and language: ":"Pajjiż u lingwa: ","Search country":"Fittex pajjiż","Selected":"Magħżul","Europe":"Ewropa","Americas":"Amerika","Asia-Pacific":"Asja u l-Paċifiku","No country found":"Ma nstab l-ebda pajjiż","checked {m}":"iċċekkjat {m}","Details and disclaimer":"Dettalji u ċaħda ta’ responsabbiltà","Estimates only, not tax, legal or financial advice":"Stimi biss, mhux parir dwar taxxa, liġi jew finanzi","Cities & rent":"Bliet u kera","Home":"Dar","Location":"Post","1 bedroom":"Kamra tas-sodda waħda","3 bedrooms (family)":"3 kmamar tas-sodda (familja)","City centre":"Ċentru tal-belt","Outside centre":"Barra ċ-ċentru","City":"Belt","Rent":"Kera","Utilities":"Utilitajiet","Price level (NY=100)":"Livell tal-prezzijiet (NY=100)","Home compared":"Dar imqabbla","3 bedrooms":"3 kmamar tas-sodda","city centre":"ċentru tal-belt","outside centre":"barra ċ-ċentru","rent + utilities":"kera + utilitajiet","rent only":"kera biss","Cities side by side (per month)":"Bliet ħdejn xulxin (fix-xahar)"," / month in {r} prices":" / xahar bi prezzijiet ta’ {r}","Money left each month after housing, in {r} prices":"Flus li jibqgħu kull xahar wara d-dar, bi prezzijiet ta’ {r}","Left in {r} prices":"Jibqa’ bi prezzijiet ta’ {r}","Same, in {r} prices":"L-istess, bi prezzijiet ta’ {r}","Athens":"Ateni","Munich":"Munich","Milan":"Milan","Rome":"Ruma","IRPF, €30,000, general scale, single":"IRPF, €30,000, skala ġenerali, single","yours":"tiegħek","Your rent / month (€)":"Il-kera tiegħek / xahar (€)","Your rent / month (£)":"Il-kera tiegħek / xahar (£)","Type your own rent in any city to replace the typical figure (shown greyed in the box); leave it empty to use the typical rent.":"Daħħal il-kera tiegħek f’kull belt biex tissostitwixxi l-ammont tipiku (jidher griż fil-kaxxa); ħalliha vojta biex tuża l-kera tipika.","Gross / month in the recent year (€)":"Gross / xahar fl-aħħar sena (€)","Gross / month in the recent year (£)":"Gross / xahar fl-aħħar sena (£)","Gross / month in the earlier year (€)":"Gross / xahar fis-sena ta’ qabel (€)","Gross / month in the earlier year (£)":"Gross / xahar fis-sena ta’ qabel (£)","Gross / month now (€)":"Gross / xahar issa (€)","Gross / month now (£)":"Gross / xahar issa (£)","Average gross / month so far (€)":"Gross medju / xahar s’issa (€)","Average gross / month so far (£)":"Gross medju / xahar s’issa (£)","Savings and deposits now (€)":"Tfaddil u depożiti issa (€)","Savings and deposits now (£)":"Tfaddil u depożiti issa (£)","Housing (rent or mortgage) (€)":"Dar (kera jew self) (€)","Housing (rent or mortgage) (£)":"Dar (kera jew self) (£)","Food and groceries (€)":"Ikel u xiri (€)","Food and groceries (£)":"Ikel u xiri (£)","Transport and car (€)":"Trasport u karozza (€)","Transport and car (£)":"Trasport u karozza (£)","Bills (power, water, phone, internet) (€)":"Kontijiet (dawl, ilma, telefon, internet) (€)","Bills (power, water, phone, internet) (£)":"Kontijiet (dawl, ilma, telefon, internet) (£)","Children and school (€)":"Tfal u skola (€)","Children and school (£)":"Tfal u skola (£)","Leisure and eating out (€)":"Divertiment u ikel barra (€)","Leisure and eating out (£)":"Divertiment u ikel barra (£)","Loan repayments (not the home) (€)":"Ħlasijiet ta’ self (mhux id-dar) (€)","Loan repayments (not the home) (£)":"Ħlasijiet ta’ self (mhux id-dar) (£)","Other (€)":"Oħrajn (€)","Other (£)":"Oħrajn (£)","Vacations (per year) (€)":"Vaganzi (fis-sena) (€)","Vacations (per year) (£)":"Vaganzi (fis-sena) (£)","Net / month now (payslip) (€)":"Nett / xahar issa (payslip) (€)","Net / month now (payslip) (£)":"Nett / xahar issa (payslip) (£)","City (for typical costs)":"Belt (għall-ispejjeż tipiċi)","Typical rent in your area (optional) (€)":"Kera tipika fiż-żona tiegħek (mhux obbligatorju) (€)","Typical rent in your area (optional) (£)":"Kera tipika fiż-żona tiegħek (mhux obbligatorju) (£)","by (per month, today’s money) (€)":"b’ (fix-xahar, flus tal-lum) (€)","by (per month, today’s money) (£)":"b’ (fix-xahar, flus tal-lum) (£)","vs {y}":"kontra {y}","Same salary, five countries":"L-istess salarju, ħames pajjiżi","National Insurance 8% / 2%":"National Insurance 8% / 2%","EUR → GBP rate":"Rata EUR → GBP","IRPEF 2026":"IRPEF 2026","INPS Gestione Separata 26.07%":"INPS Gestione Separata 26.07%","Class 4 National Insurance":"Class 4 National Insurance","100%":"100%","Tax-free zone of €11,000–12,000 for employees, raised for each child (bigger step at the third child). Rates fall each year: 29% → 27% → 25% middle band, 40% top.":"Żona ħielsa mit-taxxa ta’ €11,000–12,000 għall-impjegati, miżjuda għal kull tifel jew tifla (żieda akbar mat-tielet). Ir-rati jonqsu kull sena: medda tan-nofs 29% → 27% → 25%, l-ogħla 40%.","Nine-band scale from 18% to 45% above the €12,000 tax-free zone (+€1,500 per child, +€11,500 for three).":"Skala b’disa’ meded minn 18% sa 45% fuq iż-żona ħielsa ta’ €12,000 (+€1,500 għal kull tifel, +€11,500 għal tlieta).","Tax-free zone cut to €5,000 (+€2,000 per child), then 10%–45%. Solidarity levy of 1–4% applied on the whole income.":"Żona ħielsa mnaqqsa għal €5,000 (+€2,000 għal kull tifel), imbagħad 10%–45%. Kontribuzzjoni ta’ solidarjetà ta’ 1–4% fuq id-dħul kollu.","Three bands: 22% / 32% / 42%. Tax credit €2,100, reduced by €100 per €1,000 above €21,000. Children do not change the tax. 2015 levy becomes progressive (0.7%–8%).":"Tliet meded: 22% / 32% / 42%. Kreditu tat-taxxa ta’ €2,100, imnaqqas b’€100 għal kull €1,000 fuq €21,000. It-tfal ma jbiddlux it-taxxa. Il-kontribuzzjoni tal-2015 issir progressiva (0.7%–8%).","Four bands: 22% / 29% / 37% / 45%. Tax credit €1,900–2,100 depending on children, minus 1% of income above €20,000. Solidarity levy 2.2%–10%.":"Erba’ meded: 22% / 29% / 37% / 45%. Kreditu tat-taxxa ta’ €1,900–2,100 skont it-tfal, nieqes 1% tad-dħul fuq €20,000. Kontribuzzjoni ta’ solidarjetà 2.2%–10%.","Five bands: 9% / 22% / 28% / 36% / 44%. Tax credit €777 (no child) up to €1,340 (four), minus €20 per €1,000 above €12,000. Solidarity levy suspended for private-sector employees from 2021, abolished for all from 2023. 30% e-spending rule.":"Ħames meded: 9% / 22% / 28% / 36% / 44%. Kreditu tat-taxxa minn €777 (bla tfal) sa €1,340 (erbgħa), nieqes €20 għal kull €1,000 fuq €12,000. Il-kontribuzzjoni ta’ solidarjetà ġiet sospiża għall-impjegati privati mill-2021 u abolita għal kulħadd mill-2023. Regola tat-30% ta’ nfiq elettroniku.","New scale 9% / 20% / 26% / 34% / 39% / 44%. Families pay less in the €10–30k bands (10–20k: 18% / 16% / 9% / 0% for 1 / 2 / 3 / 4+ children). Under 25s pay 0% up to €20,000; ages 26–30 pay 9% on €10–20k.":"Skala ġdida 9% / 20% / 26% / 34% / 39% / 44%. Il-familji jħallsu inqas fil-meded ta’ €10–30k (10–20k: 18% / 16% / 9% / 0% għal 1 / 2 / 3 / 4+ tfal). Taħt il-25 sena tħallas 0% sa €20,000; minn 26 sa 30 sena 9% fuq €10–20k.","You need at least 15 years (4,500 days) of insurance for any old-age pension.":"Għal kull pensjoni tax-xjuħija trid mill-inqas 15-il sena (4,500 jum) ta’ assigurazzjoni.","Full pension at 67 with 15+ years, or at 62 with 40 years (12,000 days).":"Pensjoni sħiħa fl-età ta’ 67 b’15+ snin, jew f’62 b’40 sena (12,000 jum).","With 15+ years you can retire from 62, with a lifelong cut of 1/200 per month before 67 (6% a year, up to 30%).":"B’15+ snin tista’ tirtira minn 62, b’tnaqqis għal għomrok ta’ 1/200 għal kull xahar qabel 67 (6% fis-sena, sa 30%).","A flat amount (about €447 / month in 2026) with 20+ years; 2% less for each year below 20 (90% at 15 years). Needs 15+ years living in Greece after 15; full at 40.":"Ammont fiss (madwar €447 / xahar fl-2026) b’20+ snin; 2% inqas għal kull sena taħt l-20 (90% bi 15-il sena). Jeħtieġ 15+ snin residenza fil-Greċja wara l-età ta’ 15; sħiħa b’40.","Career-average monthly earnings × accrual rate. Each year adds 0.77% (first 15), then 0.84, 0.90, 0.96, 1.03, 1.21%, and 2.55–2.85% after 30 years (Law 4670/2020). 40 years ≈ 53%.":"Qligħ medju fix-xahar matul il-karriera × rata ta’ akkumulazzjoni. Kull sena żżid 0.77% (l-ewwel 15), imbagħad 0.84, 0.90, 0.96, 1.03, 1.21% u 2.55–2.85% wara 30 sena (Liġi 4670/2020). 40 sena ≈ 53%.","ΕΤΕΑΕΠ: 0.45% per year for time up to 2014; from 2015 a notional account of 6% of pay turned into a lifelong pension. People first insured from 2022 go to the funded ΤΕΚΑ.":"ΕΤΕΑΕΠ: 0.45% fis-sena għaż-żmien sal-2014; mill-2015 kont nozzjonali ta’ 6% tal-paga li jinbidel f’pensjoni għal għomrok. Min ġie assigurat għall-ewwel darba mill-2022 imur fit-ΤΕΚΑ b’fondi.","With 15 years, most of them in ΒΑΕ jobs: full pension at 62, reduced from 57.":"B’15-il sena, l-aktar f’xogħlijiet ΒΑΕ: pensjoni sħiħa f’62, imnaqqsa minn 57.","Pensioners pay 6% health contribution and income tax on the same scale as wages. Pensions are paid 12 times a year and rise each year roughly with inflation.":"Il-pensjonanti jħallsu 6% kontribuzzjoni tas-saħħa u taxxa fuq id-dħul bl-istess skala tal-pagi. Il-pensjonijiet jitħallsu 12-il darba fis-sena u jogħlew kull sena bejn wieħed u ieħor mal-inflazzjoni.","For monthly-paid staff: monthly salary × 6 ÷ 25 ÷ 40 (about 0.6% of the monthly salary).":"Għall-impjegati b’paga fix-xahar: paga fix-xahar × 6 ÷ 25 ÷ 40 (madwar 0.6% tal-paga fix-xahar).","Hours 41–45 a week on a 5-day week (41–48 on a 6-day week) are paid +20%.":"Is-sigħat 41–45 fil-ġimgħa f’ġimgħa ta’ 5 ijiem (41–48 f’6 ijiem) jitħallsu +20%.","Beyond that, overtime is paid +40%, up to 3 hours a day and 150 hours a year. It must be declared in ΕΡΓΑΝΗ beforehand; undeclared overtime is paid +120%.":"Lil hinn minn hekk, is-sahra titħallas +40%, sa 3 sigħat kuljum u 150 siegħa fis-sena. Trid tiġi ddikjarata minn qabel fl-ΕΡΓΑΝΗ; sahra mhux iddikjarata titħallas +120%.","Work 22:00–06:00 earns +25%; Sundays and public holidays +75%. Premiums add up and apply on top of overtime.":"Xogħol bejn 22:00 u 06:00 jagħti +25%; Ħdud u btajjel pubbliċi +75%. Iż-żidiet jingħaddu flimkien u japplikaw fuq is-sahra.","After the first 12 months (probation, Law 4808/2021): 2 months’ pay up to 4 years, then +1 month per 2 years to 5 months at 8–10 years, then +1 month a year up to 12 months at 16 years.":"Wara l-ewwel 12-il xahar (probation, Liġi 4808/2021): 2 xhur paga sa 4 snin, imbagħad +1 xahar kull 2 snin sa 5 xhur f’8–10 snin, imbagħad +1 xahar fis-sena sa 12-il xahar f’16-il sena.","Last regular monthly salary plus 1/6 for the Christmas and Easter bonuses and holiday allowance.":"L-aħħar paga regolari fix-xahar flimkien ma’ 1/6 għall-bonus tal-Milied u tal-Għid u l-allowance tal-vaganzi.","The employer may give 1–4 months’ written notice (by service) and then pays half the severance. You keep working and are paid during the notice.":"Min iħaddem jista’ jagħti avviż bil-miktub ta’ 1–4 xhur (skont is-servizz) u mbagħad iħallas nofs il-kumpens. Tibqa’ taħdem u titħallas matul l-avviż.","If you had 17+ years with the same employer on 12/11/2012: +1 month per year above 16, up to 12 extra, on salary capped at €2,000.":"Jekk kellek 17+ snin ma’ l-istess min iħaddem fit-12/11/2012: +1 xahar għal kull sena fuq 16, sa 12 żejda, fuq paga massima ta’ €2,000.","Resigning gives no severance. Leaving with a full-pension right gives 40% of severance (50% without supplementary insurance). Pro-rata bonuses and unused leave are always paid.":"Ir-riżenja ma tagħtix kumpens. Meta titlaq b’dritt għal pensjoni sħiħa tieħu 40% tal-kumpens (50% mingħajr assigurazzjoni supplimentari). Il-bonuses proporzjonali u l-leave mhux użat jitħallsu dejjem.","Severance has no EFKA and is taxed separately: 0% up to €60,000, 10% to €100,000, 20% to €150,000, 30% above. Bonuses and leave pay are taxed as salary.":"Fuq il-kumpens ma titħallasx EFKA u jiġi ntaxxat separatament: 0% sa €60,000, 10% sa €100,000, 20% sa €150,000, 30% ’il fuq. Il-bonuses u l-paga tal-leave jiġu ntaxxati bħala paga.","A dismissal must be challenged in court within 60 days (Law 4808/2021); claims for unpaid severance within 6 months. Act early.":"Tkeċċija trid tiġi kkontestata l-qorti fi żmien 60 jum (Liġi 4808/2021); talbiet għal kumpens mhux imħallas fi żmien 6 xhur. Aġixxi kmieni.","After a dismissal: 5 to 12 months depending on insured days in the 14 months before (125 days → 5 months … 250 days → 12), +10% per dependant. Register with ΔΥΠΑ promptly.":"Wara tkeċċija: 5 sa 12-il xahar skont il-jiem assigurati fl-14-il xahar ta’ qabel (125 jum → 5 xhur … 250 jum → 12), +10% għal kull persuna dipendenti. Irreġistra malajr mal-ΔΥΠΑ.","Income tax class {0} incl. {1} employment fund":"Income tax class {0} incl. {1} employment fund","Tax credits (employee + CO{0})":"Tax credits (employee + CO{0})","Tax credits (employee + CO{0} + single parent)":"Tax credits (employee + CO{0} + single parent)","Severance ({0} months, tax-free)":"Kumpens tas-sensja ({0} xhur, ħieles mit-taxxa)","Thessaloniki":"Saloniku","Berlin":"Berlin","Hamburg":"Hamburg","Frankfurt":"Frankfurt","Turin":"Turin","London":"Londra","Manchester":"Manchester","Severance ({0} days)":"Kumpens tas-sensja ({0} jiem)","Income tax incl. {0} municipal surcharge":"Income tax incl. {0} municipal surcharge","Notice indemnity ({0} weeks of pay, if not worked)":"Kumpens tal-avviż ({0} ġimgħat paga, jekk ma jinħadimx)","Taxable income after {0} allowance ({1} tax shares)":"Taxable income after {0} allowance ({1} tax shares)","Legal severance (indemnité légale, tax-free)":"Kumpens legali tas-sensja (indemnité légale, ħieles mit-taxxa)","{0} (single rate) of your pay (capped at {1} a year) × {2}/{3} years. Legal age {4}; from {5}–{6} only with {7}–{8} career years. Net after the {9} health contribution and tax with the pension reduction (estimate).":"{0} (single rate) of your pay (capped at {1} a year) × {2}/{3} years. Legal age {4}; from {5}–{6} only with {7}–{8} career years. Net after the {9} health contribution and tax with the pension reduction (estimate).","Tax credits (personal + employee)":"Krediti tat-taxxa (personali + impjegat)","Universal Social Charge (USC)":"Universal Social Charge (USC)","State Pension (Contributory) {0} a week ({1}/{2} years of contributions). No early state pension; you can defer it up to {3} for a higher rate. Workplace and auto-enrolment pensions come on top.":"State Pension (Contributory) {0} a week ({1}/{2} years of contributions). No early state pension; you can defer it up to {3} for a higher rate. Workplace and auto-enrolment pensions come on top.","Your pension contributions get income-tax relief up to {0} this year ({1} of earnings up to {2} at your age). USC and PRSI still apply.":"Your pension contributions get income-tax relief up to {0} this year ({1} of earnings up to {2} at your age). USC and PRSI still apply.","Barcelona":"Barċellona","Compensation ({0} days of base pay per year, tax-free)":"Kumpens ({0} jiem paga bażika għal kull sena, ħieles mit-taxxa)","Burial fee and public service fee":"Tariffa tad-dfin u tariffa tas-servizz pubbliku","{0} months":"{0} xhur","{0} month(s)":"{0} xahar/xhur","Severance pay (odprawa, {0} months)":"Kumpens tas-sensja (odprawa, {0} xhur)","ZUS pension: the {0} recorded on your account and sub-account ({1} of pay, in today’s money) divided by {2} months of average further life at {3} (GUS table from {4} April {5}). Pension age {6}; the minimum needs {7} years. Health insurance of {8} and income tax are deducted. A {9}th pension (PLN {10}) is paid each April. Capital from before {11} and OFE are not modelled.":"ZUS pension: the {0} recorded on your account and sub-account ({1} of pay, in today’s money) divided by {2} months of average further life at {3} (GUS table from {4} April {5}). Pension age {6}; the minimum needs {7} years. Health insurance of {8} and income tax are deducted. A {9}th pension (PLN {10}) is paid each April. Capital from before {11} and OFE are not modelled.","PPK: you pay {0} (up to {1}) and your employer {2} (up to {3}); the employer part counts as taxable income. The state adds PLN {4} a year ({5}) and a PLN {6} welcome payment.":"PPK: you pay {0} (up to {1}) and your employer {2} (up to {3}); the employer part counts as taxable income. The state adds PLN {4} a year ({5}) and a PLN {6} welcome payment.","{0} a month for {1} months, then {2} for {3} months (taxable)":"{0} a month for {1} months, then {2} for {3} months (taxable)","{0} months: {1}, then {2} and {3} of your net pay (up to about CZK {4} a month); starts after the months covered by severance":"{0} months: {1}, then {2} and {3} of your net pay (up to about CZK {4} a month); starts after the months covered by severance","Severance pay ({0} months)":"Kumpens tas-sensja ({0} xhur)","Severance pay ({0} month)":"Kumpens tas-sensja ({0} xahar)","Basic amount CZK {0} + {1} for each of your {2} years of a calculation base of {3} (your average earnings {4} a month, reduced at CZK {5} and {6}). Pension age {7} for your birth year, with {8} years of insurance; up to {9} years early with {10} years ({11} of the base per {12} days). Minimum CZK {13}; old-age pensions are in practice tax-free.":"Basic amount CZK {0} + {1} for each of your {2} years of a calculation base of {3} (your average earnings {4} a month, reduced at CZK {5} and {6}). Pension age {7} for your birth year, with {8} years of insurance; up to {9} years early with {10} years ({11} of the base per {12} days). Minimum CZK {13}; old-age pensions are in practice tax-free.","State contribution {0} a year ({1} of your monthly contribution from CZK {2} up to {3}); the part above CZK {4} a month is tax-deductible up to CZK {5} ({6}). Employer contributions are tax-free up to CZK {7}.":"State contribution {0} a year ({1} of your monthly contribution from CZK {2} up to {3}); the part above CZK {4} a month is tax-deductible up to CZK {5} ({6}). Employer contributions are tax-free up to CZK {7}.","90 days + {0} + {1} days":"90 jum + {0} + {1} jiem","Odprawa ({0} months)":"Odprawa ({0} xhur)","PPK: you pay 2% (up to 4%) and your employer 1.5% (up to 4%); the employer part counts as taxable income. The state adds PLN 240 a year ({0}) and a PLN 250 welcome payment.":"PPK: inti tħallas 2% (sa 4%) u min iħaddem 1.5% (sa 4%); is-sehem ta’ min iħaddem jgħodd bħala dħul taxxabbli. L-istat iżid PLN 240 fis-sena ({0}) u ħlas ta’ merħba ta’ PLN 250.","{0} a month for 3 months, then {1} for 3 months (taxable){2}":"{0} fix-xahar għal 3 xhur, imbagħad {1} għal 3 xhur (taxxabbli){2}","resign":"resign","; after resigning it starts only after 90 days":"; wara r-riżenja jibda biss wara 90 jum","Severance pay (odprawa, {0} month)":"Kumpens tas-sensja (odprawa, {0} xahar)","{0} month":"{0} xahar","ZUS pension: the {0} recorded on your account and sub-account (19.52% of pay, in today’s money) divided by {1} months of average further life at {2} (GUS table from 1 April 2026).{3} Pension age {4}; the minimum needs {5} years. Health insurance of 9% and income tax are deducted. A 13th pension (PLN 1,978.49) is paid each April. Capital from before 1999 and OFE are not modelled.":"Pensjoni ZUS: il-{0} irreġistrati fil-kont u s-sottokont tiegħek (19.52% tal-paga, fi flus tal-lum) diviżi b’{1} xhur ta’ stennija medja tal-ħajja li fadal fl-età ta’ {2} (tabella GUS mill-1 ta’ April 2026).{3} Età tal-pensjoni {4}; il-minimu jeħtieġ {5} snin. Jitnaqqsu l-assigurazzjoni tas-saħħa ta’ 9% u t-taxxa fuq id-dħul. Pensjoni 13 (PLN 1,978.49) titħallas kull April. Il-kapital ta’ qabel l-1999 u l-OFE mhumiex inklużi."," Raised to the guaranteed minimum of PLN 1,978.49.":" Mgħollija għall-minimu garantit ta’ PLN 1,978.49.","Notice + severance ({0} months)":"Avviż + kumpens tas-sensja ({0} xhur)","Voluntary pension fund: 20% of your contributions comes back as a tax credit paid into your account, up to HUF 150,000 a year ({0}).":"Fond tal-pensjoni volontarju: 20% tal-kontribuzzjonijiet tiegħek jerġgħu lura bħala kreditu tat-taxxa mħallas fil-kont tiegħek, sa HUF 150,000 fis-sena ({0}).","{0} a month (60% of pay, up to the minimum wage) for {1} days (taxable)":"{0} fix-xahar (60% tal-paga, l-aktar il-paga minima) għal {1} jiem (taxxabbli)","Notice pay in lieu ({0} days, at least half free from work)":"Paga tal-avviż ({0} jiem, mill-inqas nofshom meħlusa mix-xogħol)","Old-age pension: {0} (for {1} years of service) of your net average earnings {2} a month, after the degression above HUF 372,000. From age 65 with 20 years (a partial pension with 15); women with 40 years of eligible time can retire at any age. A 13th monthly pension is paid each February; pensions are not taxed.":"Pensjoni tax-xjuħija: {0} (għal {1} snin servizz) tal-qligħ nett medju tiegħek ta’ {2} fix-xahar, wara d-degressjoni fuq HUF 372,000. Mill-età ta’ 65 b’20 sena (pensjoni parzjali b’15); in-nisa b’40 sena ta’ żmien eliġibbli jistgħu jirtiraw f’kull età. Pensjoni 13 fix-xahar titħallas kull Frar; il-pensjonijiet mhumiex taxxabbli.","Severance ({0} months)":"Kumpens tas-sensja ({0} xhur)","State contribution {0} a year (20% of your monthly contribution from CZK 500 up to 1,700); the part above CZK 1,700 a month is tax-deductible up to CZK 48,000 ({1}). Employer contributions are tax-free up to CZK 50,000.":"Kontribuzzjoni tal-istat ta’ {0} fis-sena (20% tal-kontribuzzjoni tiegħek fix-xahar minn CZK 500 sa 1,700); il-parti fuq CZK 1,700 fix-xahar tista’ titnaqqas sa CZK 48,000 ({1}). Il-kontribuzzjonijiet ta’ min iħaddem huma ħielsa mit-taxxa sa CZK 50,000.","{0} months: 80%, then 50% and 40% of your net pay (up to about CZK 38,537 a month); starts after the months covered by severance":"{0} xhur: 80%, imbagħad 50% u 40% tal-paga netta tiegħek (sa madwar CZK 38,537 fix-xahar); jibda wara x-xhur koperti mill-kumpens tas-sensja","Basic amount CZK 4,900 + {0} for each of your {1} years of a calculation base of {2} (your average earnings {3} a month, reduced at CZK 21,546 and 195,868). Pension age {4} for your birth year, with 35 years of insurance; up to 3 years early with 40 years (−1.5% of the base per 90 days). Minimum CZK 9,800; old-age pensions are in practice tax-free.":"Ammont bażiku CZK 4,900 + {0} għal kull waħda mis-{1} snin tiegħek ta’ bażi ta’ kalkolu ta’ {2} (il-qligħ medju tiegħek {3} fix-xahar, imnaqqas f’CZK 21,546 u 195,868). Età tal-pensjoni {4} għas-sena tat-twelid tiegħek, b’35 sena assigurazzjoni; sa 3 snin qabel b’40 sena (−1.5% tal-bażi għal kull 90 jum). Minimu CZK 9,800; il-pensjonijiet tax-xjuħija fil-prattika huma ħielsa mit-taxxa.","Third-pillar contributions are deductible up to 15% of your income and €6,000 a year ({0}).":"Il-kontribuzzjonijiet għat-tielet pilastru jistgħu jitnaqqsu sa 15% tad-dħul tiegħek u €6,000 fis-sena ({0}).","60% of your pay for 100 days, then 40%, for {0} days in total (taxable)":"60% tal-paga tiegħek għal 100 jum, imbagħad 40%, għal {0} jiem b’kollox (taxxabbli)","Unemployment Insurance Fund redundancy benefit ({0} months)":"Benefiċċju tar-redundancy mill-Fond tal-Assigurazzjoni kontra l-Qgħad ({0} xhur)","Unemployment Insurance Fund redundancy benefit ({0} month)":"Benefiċċju tar-redundancy mill-Fond tal-Assigurazzjoni kontra l-Qgħad ({0} xahar)","Notice paid in lieu ({0} days)":"Ħlas minflok l-avviż ({0} jiem)","State old-age pension: base part €399.24 + €10.477 for each insurance component ({0} in total; one component is a year of average pay). From age 65 with 15 years of service; up to 5 years earlier with 0.4% less per month, or 0.9% more per month for each month you defer. Income tax of 22% applies above €776 a month. The funded second pillar is paid separately.":"Pensjoni tax-xjuħija tal-istat: parti bażika €399.24 + €10.477 għal kull komponent ta’ assigurazzjoni ({0} b’kollox; komponent wieħed huwa sena ta’ paga medja). Mill-età ta’ 65 bi 15-il sena servizz; sa 5 snin qabel b’0.4% inqas fix-xahar, jew 0.9% aktar għal kull xahar li tipposponi. It-taxxa fuq id-dħul ta’ 22% tapplika fuq €776 fix-xahar. It-tieni pilastru b’fondi jitħallas separatament.","Funded pension (II pillar) {0}%":"Pensjoni b’fondi (II pilastru) {0}%","Contributions to a voluntary pension fund are deductible up to 10% of your taxable income ({0} a year).":"Il-kontribuzzjonijiet għal fond tal-pensjoni volontarju jistgħu jitnaqqsu sa 10% tad-dħul taxxabbli tiegħek ({0} fis-sena).","about {0} a working day for {1} months (60% of your insurable income, within the 2026 limits)":"madwar {0} kull jum tax-xogħol għal {1} xhur (60% tad-dħul assigurat tiegħek, fil-limiti tal-2026)","Retirement compensation ({0} months’ pay)":"Kumpens tal-irtirar ({0} xhur paga)","State pension: {0} a month of average insurable income × {1} years × 1.35%{2}. You need age {3} and {4} years of service in {5} (or age 67 with 15 years); up to one year earlier with a 0.4% cut per month. Between €347.51 and €1,738.40 a month; pensions are not taxed.":"Pensjoni tal-istat: {0} fix-xahar ta’ dħul assigurat medju × {1} snin × 1.35%{2}. Għandek bżonn l-età ta’ {3} u {4} snin servizz fl-{5} (jew 67 sena b’15-il sena); sa sena qabel b’tnaqqis ta’ 0.4% fix-xahar. Bejn €347.51 u €1,738.40 fix-xahar; il-pensjonijiet mhumiex taxxabbli.",", reduced by about a quarter for the years in a universal pension fund (UPF), which pays its own pension on top":", imnaqqsa b’madwar kwart għas-snin f’fond tal-pensjoni universali (UPF), li jħallas ukoll il-pensjoni tiegħu stess","Salary sacrifice is taken before income tax and the Medicare levy and taxed at 15% in the fund instead. All concessional contributions (yours plus the employer’s {0}) count towards the $32,500 cap for 2026–27; unused cap from the last 5 years can be carried forward if your balance is under $500,000.{1}":"Is-salary sacrifice jittieħed qabel it-taxxa fuq id-dħul u l-Medicare levy u minflok jiġi ntaxxat 15% fil-fond. Il-kontribuzzjonijiet konċessjonali kollha (tiegħek flimkien ma’ dawk ta’ min iħaddem, {0}) jgħoddu għal-limitu ta’ $32,500 għall-2026–27; il-limitu mhux użat tal-aħħar 5 snin jista’ jinġarr ’il quddiem jekk il-bilanċ tiegħek ikun taħt $500,000.{1}"," Above $250,000 of income, Division 293 adds another 15% on contributions.":" Fuq $250,000 dħul, id-Division 293 iżżid 15% oħra fuq il-kontribuzzjonijiet.","{0} wk":"{0} ġimgħat","{0} a fortnight JobSeeker Payment, shown for 6 months (means-tested; redundancy pay and savings can delay the start)":"{0} kull ġimagħtejn ta’ JobSeeker Payment, muri għal 6 xhur (skont il-mezzi; il-kumpens tas-sensja u t-tfaddil jistgħu jdewmu l-bidu)","{0} week":"{0} ġimgħa","Pay in lieu of notice ({0} weeks)":"Ħlas minflok l-avviż ({0} ġimgħat)","NES redundancy pay ({0} weeks)":"Kumpens tar-redundancy NES ({0} ġimgħat)","Age Pension from age 67 after at least 10 years living in Australia (the years above count as residence): up to {0} a fortnight for a single person ({1} each for a couple). It is means-tested: your savings and super of {2} are deemed to earn {3} a year, giving {4} under the income test, and the assets test ({5}) gives {6}; the lower amount is paid. The pension is funded from general tax, so there are no contributions, and with no other income the seniors tax offset means no tax is due. Your super is in the Super tab.":"Age Pension mill-età ta’ 67 wara mill-inqas 10 snin tgħix fl-Awstralja (is-snin hawn fuq jgħoddu bħala residenza): sa {0} kull ġimagħtejn għal persuna waħedha ({1} kull wieħed għal koppja). Hija skont il-mezzi: it-tfaddil u s-super tiegħek ta’ {2} jitqiesu li jaqilgħu {3} fis-sena, li jagħti {4} taħt it-test tad-dħul, u t-test tal-assi ({5}) jagħti {6}; jitħallas l-ammont l-iżgħar. Il-pensjoni hija ffinanzjata mit-taxxi ġenerali, għalhekk m’hemmx kontribuzzjonijiet, u mingħajr dħul ieħor l-offset tat-taxxa għall-anzjani jfisser li ma titħallas l-ebda taxxa. Is-super tiegħek jinsab fit-tab Super.","homeowner":"sid tad-dar","non-homeowner":"mhux sid tad-dar","part pension, means-tested ({0} of the maximum)":"pensjoni parzjali, skont il-mezzi ({0} tal-massimu)","Medicare levy surcharge {0} (no private hospital cover)":"Medicare levy surcharge {0} (bla kopertura privata tal-isptar)","PGBL contributions are deductible up to 12% of your taxable income ({0} a year) if you file the complete annual return and contribute to INSS. VGBL plans give no deduction but tax only the returns.":"Il-kontribuzzjonijiet PGBL jistgħu jitnaqqsu sa 12% tad-dħul taxxabbli tiegħek ({0} fis-sena) jekk tippreżenta d-dikjarazzjoni annwali sħiħa u tikkontribwixxi għall-INSS. Il-pjanijiet VGBL ma jagħtux tnaqqis iżda jintaxxaw biss ir-redditi.","{0} payments":"{0} ħlasijiet","Pro-rata holidays + one third ({0}/12, tax-free)":"Vaganzi proporzjonali + terz ({0}/12, ħieles mit-taxxa)","13th salary pro rata ({0}/12)":"Salarju 13 proporzjonali ({0}/12)","{0} a month for {1} months (first claim)":"{0} fix-xahar għal {1} xhur (l-ewwel talba)","FGTS balance released ({0}, your own account)":"Bilanċ FGTS meħlus ({0}, il-kont tiegħek)","acordo":"acordo","all":"kollu","FGTS fine {0} of the balance (tax-free)":"Multa FGTS ta’ {0} tal-bilanċ (ħielsa mit-taxxa)","Notice paid in lieu ({0} days{1})":"Ħlas minflok l-avviż ({0} jiem{1})",", half by agreement":", nofs bi ftehim","INSS retirement by age: {0} of your average salary ({1} a month since July 1994), within the minimum wage (R$1,621) and the ceiling (R$8,475.55). You need age {2} and {3} years of contributions; earlier transition rules for people insured before November 2019 are not modelled. Paid 13 times a year.":"Pensjoni INSS skont l-età: {0} tas-salarju medju tiegħek ({1} fix-xahar minn Lulju 1994), bejn il-paga minima (R$1,621) u l-limitu (R$8,475.55). Għandek bżonn l-età ta’ {2} u {3} snin kontribuzzjonijiet; ir-regoli ta’ tranżizzjoni preċedenti għal dawk assigurati qabel Novembru 2019 mhumiex inklużi. Titħallas 13-il darba fis-sena.","Your limit in 2026 is {0}{1}; employer match {2}. {3} Withdrawals before 59½ usually pay a 10% penalty.":"Il-limitu tiegħek fl-2026 huwa {0}{1}; kontribuzzjoni ta’ min iħaddem {2}. {3} Il-ġbid qabel l-età ta’ 59½ normalment iħallas penali ta’ 10%."," including the catch-up for your age":" inkluż il-catch-up għall-età tiegħek","Roth: you pay tax now and withdrawals after 59½ (account open 5 years) are tax-free; the employer match is usually pre-tax.":"Roth: tħallas it-taxxa issa u l-ġbid wara l-età ta’ 59½ (kont miftuħ 5 snin) huwa ħieles mit-taxxa; il-kontribuzzjoni ta’ min iħaddem normalment hija qabel it-taxxa.","Traditional: contributions lower federal and state income tax (not Social Security or Medicare); withdrawals are taxed as income.":"Traditional: il-kontribuzzjonijiet inaqqsu t-taxxa federali u statali fuq id-dħul (mhux Social Security jew Medicare); il-ġbid jiġi ntaxxat bħala dħul.","{0} / week for up to {1} weeks in {2} (taxable)":"{0} / ġimgħa sa {1} ġimgħat f’{2} (taxxabbli)","Severance (company policy, {0} weeks per year)":"Kumpens tas-sensja (politika tal-kumpanija, {0} ġimgħat għal kull sena)","Social Security: primary amount {0} a month at 67 (average indexed earnings {1} a month over your best 35 years), {2}. {3}You need 40 credits (about 10 years of work). Amounts in today’s money.":"Social Security: ammont primarju {0} fix-xahar fl-età ta’ 67 (qligħ medju indiċjat {1} fix-xahar fl-aqwa 35 sena tiegħek), {2}. {3}Għandek bżonn 40 kreditu (madwar 10 snin xogħol). Ammonti fi flus tal-lum.","reduced to {0} for claiming at {1}":"imnaqqas għal {0} jekk titlob fl-età ta’ {1}","raised to {0} for waiting until {1}":"miżjud għal {0} jekk tistenna sal-età ta’ {1}","paid in full at your full retirement age":"imħallas kollu fl-età sħiħa tal-irtirar tiegħek","The Medicare Part B premium ($202.90 a month in 2026) is deducted. ":"Il-premium tal-Medicare Part B ($202.90 fix-xahar fl-2026) jitnaqqas. ","State income tax ({0})":"Taxxa statali fuq id-dħul ({0})","{0} / month at first, {1} days (fund members)":"{0} / xahar fil-bidu, {1} jiem (membri tal-fond)","Earnings-related pension {0} a month: 1.5% of each year’s pay (after your pension contribution), times the life-expectancy coefficient (about {1}), +0.4% for each month you claim after your lowest age ({2}).{3} Net is an estimate (pension income deduction not modelled).":"Pensjoni relatata mal-qligħ {0} fix-xahar: 1.5% tal-paga ta’ kull sena (wara l-kontribuzzjoni tal-pensjoni tiegħek), immultiplikata bil-koeffiċjent tal-istennija tal-ħajja (madwar {1}), +0.4% għal kull xahar li titlob wara l-inqas età tiegħek ({2}).{3} In-nett huwa stima (it-tnaqqis għad-dħul mill-pensjoni mhux inkluż)."," National and guarantee pension add {0} a month.":" Il-pensjoni nazzjonali u dik garantita jżidu {0} fix-xahar.","{0} / month for up to {1} weeks":"{0} / xahar sa {1} ġimgħat","Retirement pension {0} a month: 18.1% of each year’s income up to 7.1 G (NOK 969,498) builds a pension account, divided by a life-expectancy divisor for claiming at {1}{2}. You can claim from 62 if the pension at 67 would reach the guarantee level; occupational pension (OTP, at least 2%) and AFP come on top.":"Pensjoni tax-xjuħija {0} fix-xahar: 18.1% tad-dħul ta’ kull sena sa 7.1 G (NOK 969,498) jibni kont tal-pensjoni, diviż b’diviżur tal-istennija tal-ħajja għat-talba fl-età ta’ {1}{2}. Tista’ titlob minn 62 jekk il-pensjoni f’67 tilħaq il-livell garantit; il-pensjoni tax-xogħol (OTP, mill-inqas 2%) u l-AFP jiżdiedu.",", plus guarantee pension {0}":", flimkien ma’ pensjoni garantita ta’ {0}","{0} / month at first, 300 days (a-kassa members)":"{0} / xahar fil-bidu, 300 jum (membri tal-a-kassa)","Income and premium pension {0} a month: 18.5% of each year’s pensionable pay (capped at SEK 625,500) divided by a life-expectancy divisor for claiming at {1}{2}. You can claim from 63; the target age (riktålder) is 67, when the guarantee pension and housing supplement start. Occupational pensions (ITP/SAF-LO, usually 4.5% of pay) come on top.":"Pensjoni tad-dħul u premium {0} fix-xahar: 18.5% tal-paga pensjonabbli ta’ kull sena (limitu SEK 625,500) diviża b’diviżur tal-istennija tal-ħajja għat-talba fl-età ta’ {1}{2}. Tista’ titlob minn 63; l-età mmirata (riktålder) hija 67, meta jibdew il-pensjoni garantita u s-suppliment tad-djar. Il-pensjonijiet tax-xogħol (ITP/SAF-LO, normalment 4.5% tal-paga) jiżdiedu.","{0} / month for up to 2 years (a-kasse members)":"{0} / xahar sa sentejn (membri tal-a-kasse)","Severance (fratrædelsesgodtgørelse) {0} month(s)":"Kumpens tas-sensja (fratrædelsesgodtgørelse) {0} xahar/xhur","Folkepension from {0} (your birth year): basic amount DKK 7,544 a month (full after 40 years of residence) + pension supplement up to DKK 8,729 (single, reduced by other income), plus ATP of about {1} a month. Deferring raises it. Most Danes also get a labour-market pension (often 12% of pay), which is not included here.":"Folkepension mill-età ta’ {0} (is-sena tat-twelid tiegħek): ammont bażiku DKK 7,544 fix-xahar (sħiħ wara 40 sena residenza) + suppliment tal-pensjoni sa DKK 8,729 (persuna waħedha, imnaqqas minn dħul ieħor), flimkien ma’ ATP ta’ madwar {1} fix-xahar. L-posponiment iżidha. Il-biċċa l-kbira tad-Daniżi għandhom ukoll pensjoni tas-suq tax-xogħol (spiss 12% tal-paga), li mhix inkluża hawn.","Provident fund, pension and life-insurance contributions are deductible together with social insurance up to ⅕ of income: about {0} here.":"Il-kontribuzzjonijiet għall-provident fund, il-pensjoni u l-assigurazzjoni tal-ħajja jistgħu jitnaqqsu flimkien mas-sigurtà soċjali sa ⅕ tad-dħul: hawn madwar {0}.","{0} / week, 26 weeks (estimate)":"{0} / ġimgħa, 26 ġimgħa (stima)","Basic pension {0} + supplementary {1} (1.5% of your insured pay above the basic insurable earnings), paid 13 times a year. Age 65 with 15 years; from 63 with a 12% cut (0.5% a month). Estimate: the official amount uses your insurance points year by year.":"Pensjoni bażika {0} + supplimentari {1} (1.5% tal-paga assigurata tiegħek fuq il-qligħ assigurabbli bażiku), imħallsa 13-il darba fis-sena. Età 65 bi 15-il sena; minn 63 bi tnaqqis ta’ 12% (0.5% fix-xahar). Stima: l-ammont uffiċjali juża l-punti tal-assigurazzjoni tiegħek sena b’sena.","Personal retirement schemes give a 25% tax credit on up to €3,000 a year (max €750), here {0}, shown as an extra contribution.":"L-iskemi personali tal-irtirar jagħtu kreditu tat-taxxa ta’ 25% fuq sa €3,000 fis-sena (massimu €750), hawn {0}, muri bħala kontribuzzjoni żejda.","Two-thirds pension: ⅔ of your average pay over the best 10 years (capped at €{0}) × {1}/{2} years of contributions. Age 65 (born from 1962); from 61 if you have the full {2} years and stop working. Cost-of-living increases are added every year.":"Pensjoni ta’ żewġ terzi: ⅔ tal-paga medja tiegħek fl-aqwa 10 snin (limitu €{0}) × {1}/{2} snin kontribuzzjonijiet. Età 65 (imwielda mill-1962); minn 61 jekk għandek is-{2} snin kollha u tieqaf taħdem. Iż-żidiet tal-għoli tal-ħajja jiżdiedu kull sena.","Income tax ({0} rates)":"Taxxa fuq id-dħul (rati: {0})","married":"miżżewġin","parent":"ġenitur","single":"single","Your pension contributions get income-tax relief up to {0} this year ({1} of earnings up to €115,000 at your age). USC and PRSI still apply.":"Il-kontribuzzjonijiet tal-pensjoni tiegħek jieħdu ħelsien mit-taxxa fuq id-dħul sa {0} din is-sena ({1} tal-qligħ sa €115,000 fl-età tiegħek). L-USC u l-PRSI xorta japplikaw.","State Pension (Contributory) {0} a week ({1}/40 years of contributions{2}). No early state pension; you can defer it up to 70 for a higher rate. Workplace and auto-enrolment pensions come on top.":"State Pension (Contributory) {0} fil-ġimgħa ({1}/40 sena kontribuzzjonijiet{2}). M’hemmx pensjoni tal-istat bikrija; tista’ tipposponiha sa 70 għal rata ogħla. Il-pensjonijiet tax-xogħol u tal-auto-enrolment jiżdiedu.",", increased for deferring":", miżjuda għall-posponiment","Retirement savings plans (PPR) give a 20% tax credit, up to €400 under 35, €350 from 35 to 50 and €300 above 50: here on up to {0} a year.":"Il-pjanijiet tat-tfaddil għall-irtirar (PPR) jagħtu kreditu tat-taxxa ta’ 20%, sa €400 taħt il-35, €350 minn 35 sa 50 u €300 ’il fuq minn 50: hawn fuq sa {0} fis-sena.","{0} / month, {1} months":"{0} / xahar, {1} xhur","Reference earnings {0} a month (best {1} years) × {2} years at 2.0–2.3% a year. Normal age {3} (66 years 9 months in 2026, 66 years 11 months in 2027); yours is {4} after 4 months off for each year above 40 at age 60. Early from 60 with 40 years: −0.5% a month. Paid 14 times a year.":"Qligħ ta’ referenza {0} fix-xahar (l-aqwa {1} snin) × {2} snin b’2.0–2.3% fis-sena. Età normali {3} (66 sena u 9 xhur fl-2026, 66 sena u 11-il xahar fl-2027); tiegħek hija {4} wara 4 xhur inqas għal kull sena fuq 40 fl-età ta’ 60. Bikrija minn 60 b’40 sena: −0.5% fix-xahar. Titħallas 14-il darba fis-sena.","State-subsidised pension savings (prämienbegünstigte Zukunftsvorsorge): a 4.25% state premium on up to €3,286.08 a year, here {0}. No income-tax deduction. Employer pension-fund contributions are tax-free.":"Tfaddil għall-pensjoni sussidjat mill-istat (prämienbegünstigte Zukunftsvorsorge): premium tal-istat ta’ 4.25% fuq sa €3,286.08 fis-sena, hawn {0}. L-ebda tnaqqis mit-taxxa fuq id-dħul. Il-kontribuzzjonijiet ta’ min iħaddem għall-fond tal-pensjoni huma ħielsa mit-taxxa.","{0} / month, {1} weeks":"{0} / xahar, {1} ġimgħat","Pension account: 1.78% of each year’s pay (capped at €97,020) = {0} a year, paid in 14 instalments{1}. Legal age {2}. Net after 5.1% health insurance and wage tax (estimate).":"Kont tal-pensjoni: 1.78% tal-paga ta’ kull sena (limitu €97,020) = {0} fis-sena, imħallas f’14-il pagament{1}. Età legali {2}. Nett wara 5.1% assigurazzjoni tas-saħħa u taxxa fuq il-paga (stima).",", +{0} for claiming after 65":", +{0} talli titlob wara l-65",", −{0} corridor pension (5.1% a year before the legal age)":", −{0} pensjoni corridor (5.1% fis-sena qabel l-età legali)","{0} / month gross, {1} months":"{0} / xahar gross, {1} xhur","Flat part {0} ({1}/40 years) + proportional part {2} ({3}% of your career pay){4}. Age 65 with 10 years, or from 57 with 40 years; no reduction for early retirement. Employee, employer and state each pay 8.5%.":"Parti fissa {0} ({1}/40 sena) + parti proporzjonali {2} ({3}% tal-paga tal-karriera tiegħek){4}. Età 65 b’10 snin, jew minn 57 b’40 sena; l-ebda tnaqqis għall-irtirar bikri. L-impjegat, min iħaddem u l-istat iħallsu 8.5% kull wieħed.",", raised to the minimum pension":", mgħollija għall-pensjoni minima","Income tax class {0} incl. {1}% employment fund":"Taxxa fuq id-dħul klassi {0} inkluż {1}% fond tal-impjieg","Notice of {0} weeks, or the same in pay (taxed)":"Avviż ta’ {0} ġimgħat, jew l-istess f’paga (taxxabbli)","Pension savings give a tax credit of 30% up to €1,050 a year, or 25% if you pay up to €1,350 (2026): here {0} plus the municipal surcharge.":"It-tfaddil għall-pensjoni jagħti kreditu tat-taxxa ta’ 30% sa €1,050 fis-sena, jew 25% jekk tħallas sa €1,350 (2026): hawn {0} flimkien mas-sovrataxxa muniċipali.","{0} / month gross at first, {1} months":"{0} / xahar gross fil-bidu, {1} xhur","{0} of your pay (capped at €82,609 a year) × {1}/45 years{2}. Legal age {3}; from 60–63 only with 42–44 career years{4}. Net after the 3.55% health contribution and tax with the pension reduction (estimate).":"{0} tal-paga tiegħek (limitu €82,609 fis-sena) × {1}/45 sena{2}. Età legali {3}; minn 60–63 biss b’42–44 sena karriera{4}. Nett wara l-kontribuzzjoni tas-saħħa ta’ 3.55% u t-taxxa bit-tnaqqis tal-pensjoni (stima).","75% (household rate)":"75% (rata tad-dar)","60% (single rate)":"60% (rata single)",", here −{0} because you have fewer than 35 full years":", hawn −{0} għax għandek inqas minn 35 sena sħiħa","Income tax incl. {0}% municipal surcharge":"Taxxa fuq id-dħul inkluż {0}% sovrataxxa muniċipali","Annuity (lijfrente) payments are deductible up to your annual room, here about {0} (30% of income above €19,172, before your pension-fund build-up).":"Il-ħlasijiet tal-annwità (lijfrente) jistgħu jitnaqqsu sal-ispazju annwali tiegħek, hawn madwar {0} (30% tad-dħul fuq €19,172, qabel l-akkumulazzjoni tiegħek fil-fond tal-pensjoni).","AOW {0} ({1}/50 years of residence) from 67 + workplace pension {2} ({3}% a year of pay above the €19,554 franchise, estimate)":"AOW {0} ({1}/50 sena residenza) minn 67 + pensjoni tax-xogħol {2} ({3}% fis-sena tal-paga fuq il-franchise ta’ €19,554, stima)","Your PER contributions reduce taxable income up to {0} this year (10% of last year’s professional income, min €4,710, max €37,680).":"Il-kontribuzzjonijiet PER tiegħek inaqqsu d-dħul taxxabbli sa {0} din is-sena (10% tad-dħul professjonali tas-sena li għaddiet, min. €4,710, mass. €37,680).","{0} / month for {1} months":"{0} / xahar għal {1} xhur","Basic pension: average of the best 25 years {0} × {1} × {2}/{3} quarters{4}; AGIRC-ARRCO {5} points × €1.4386. Legal age {6}, full rate at 67.":"Pensjoni bażika: medja tal-aqwa 25 sena {0} × {1} × {2}/{3} kwarti{4}; AGIRC-ARRCO {5} punti × €1.4386. Età legali {6}, rata sħiħa f’67."," + {0} bonus":" + {0} bonus","Taxable income after 10% allowance ({0} tax shares)":"Dħul taxxabbli wara allowance ta’ 10% ({0} ishma tat-taxxa)","Paid days off per year, {0}":"Jiem liberi mħallsa fis-sena, {0}","Statutory redundancy: {0} weeks × £{1}":"Redundancy statutorja: {0} ġimgħat × £{1}","Objective dismissal: 20 days per year ({0} days), tax-free":"Tkeċċija oġġettiva: 20 jum għal kull sena ({0} jiem), ħielsa mit-taxxa","€540 × {0} months":"€540 × {0} xhur","{0} months’ pay (Law 4093/2012), without notice":"{0} xhur paga (Liġi 4093/2012), mingħajr avviż","same salary {0} / year everywhere":"l-istess salarju {0} / sena kullimkien","EUR":"EUR","Statutory redundancy ({0} weeks)":"Redundancy statutorja ({0} ġimgħat)","{0} months, from {1} / month":"{0} xhur, minn {1} / xahar","from {0} / month for {1} months":"minn {0} / xahar għal {1} xhur","Unfair-dismissal indemnity ({0} months)":"Kumpens għal tkeċċija inġusta ({0} xhur)","{0} / month for {1} months{2}":"{0} / xahar għal {1} xhur{2}"," after a 12-week block":" wara blokk ta’ 12-il ġimgħa","working days · legal minimum {0}{1}":"jiem tax-xogħol · minimu legali {0}{1}"," (may include bank holidays)":" (jista’ jinkludi bank holidays)","Tax-free up to €8,112, social-insurance-free up to €4,056. Employer adds 15% of the SS-free part ({0}).":"Ħieles mit-taxxa sa €8,112, ħieles mis-sigurtà soċjali sa €4,056. Min iħaddem iżid 15% tal-parti ħielsa mis-sigurtà soċjali ({0}).","with +{0} for deferring":"b’+{0} għall-posponiment","£241.30/week × {0}/35 qualifying years; State Pension age {1}":"£241.30/ġimgħa × {0}/35 sena kwalifikanti; età tal-State Pension {1}","Base {0} × {1} for {2} years; ordinary age {3}":"Bażi {0} × {1} għal {2} snin; età ordinarja {3}","Notional capital {0} × {1}% at {2}":"Kapital nozzjonali {0} × {1}% fl-età ta’ {2}","{0} pension points × €42.52":"{0} punti tal-pensjoni × €42.52","Freelancer {0} vs employee {1} on a budget of {2}":"Freelancer {0} kontra impjegat {1} fuq baġit ta’ {2}","{0} working days":"{0} jiem tax-xogħol","6 days (1 child), 8 (2), 14 (3+) a year, children under 16{0}":"6 ijiem (tifel wieħed), 8 (2), 14 (3+) fis-sena, tfal taħt is-16{0}"," → {0} days":" → {0} jiem","Up to 4 days a year per child{0}":"Sa 4 ijiem fis-sena għal kull tifel{0}","Long-term care {0}%":"Kura fit-tul {0}%","Tax credits (employee + CO2 + single parent)":"Krediti tat-taxxa (impjegat + CO2 + ġenitur waħdu)","Tax credits (employee + CO2)":"Krediti tat-taxxa (impjegat + CO2)","Tax credits (personal + employee + single parent)":"Krediti tat-taxxa (personali + impjegat + ġenitur waħdu)","Municipal tax (kommuneskat {0})":"Taxxa muniċipali (kommuneskat {0})","Municipal and regional tax ({0})":"Taxxa muniċipali u reġjonali ({0})","Burial fee + church fee and public service fee":"Tariffa tad-dfin + tariffa tal-knisja u tariffa tas-servizz pubbliku","Employee pension contribution (TyEL {0})":"Kontribuzzjoni tal-pensjoni tal-impjegat (TyEL {0})","Municipal tax ({0}) + church tax":"Taxxa muniċipali ({0}) + taxxa tal-knisja","Municipal tax ({0})":"Taxxa muniċipali ({0})","{0} (moved)":"{0} (imċaqlaq)","Zurich (city)":"Zurich (belt)","Geneva (city)":"Ġinevra (belt)","Lausanne (Vaud)":"Lausanne (Vaud)","Bern (city)":"Berna (belt)","Basel (Basel-Stadt)":"Basel (Basel-Stadt)","Federal tax only (canton not included)":"Taxxa federali biss (mingħajr il-kanton)","Old-age, disability and income-loss insurance (AHV/IV/EO) 5.3%":"Assigurazzjoni għax-xjuħija, l-invalidità u t-telf ta’ dħul (AHV/IV/EO) 5,3%","Unemployment insurance (ALV) 1.1%":"Assigurazzjoni kontra l-qgħad (ALV) 1,1%","Non-occupational accident insurance (NBU) {p}":"Assigurazzjoni kontra inċidenti barra x-xogħol (NBU) {p}","Occupational pension (BVG minimum), half of {p} of the coordinated salary":"Pensjoni okkupazzjonali (minimu BVG), nofs {p} tas-salarju kkoordinat","Cantonal and communal income tax ({c})":"Taxxa kantonali u komunali fuq id-dħul ({c})","Taxable income for the federal tax":"Dħul taxxabbli għat-taxxa federali","Taxable income for the cantonal tax":"Dħul taxxabbli għat-taxxa kantonali","Employer AHV/IV/EO, ALV and BVG (same as yours; family allowance and accident premiums not included)":"AHV/IV/EO, ALV u BVG tal-impjegatur (l-istess bħal tiegħek; mingħajr kontribuzzjonijiet għall-allowances tal-familja u primjums tal-inċidenti)","AHV old-age pension {a} a month ({y} of 44 contribution years, average yearly income {e}; full pension from CHF 1,260 to CHF 2,520), plus the 13th AHV pension paid each December from 2026, spread over the year here. Occupational pension (BVG minimum) {b} a month: your retirement savings of about {s} × {c} conversion rate. Reference age 65 (women born 1961–1963 between 64 and 65); the AHV pension can start from 63 (6.8% less per year early) or be deferred up to 5 years (up to 31.5% more). Tax estimated for {t}.":"Pensjoni tax-xjuħija AHV {a} fix-xahar ({y} minn 44 sena ta’ kontribuzzjonijiet, dħul medju annwali {e}; pensjoni sħiħa minn CHF 1.260 sa CHF 2.520), flimkien mat-13-il pensjoni AHV imħallsa kull Diċembru mill-2026, hawn imqassma fuq is-sena. Pensjoni okkupazzjonali (minimu BVG) {b} fix-xahar: it-tfaddil tiegħek għall-irtirar ta’ madwar {s} × rata ta’ konverżjoni {c}. Età ta’ referenza 65 (nisa mwielda fl-1961–1963 bejn 64 u 65); il-pensjoni AHV tista’ tibda mill-63 (6,8% inqas għal kull sena qabel) jew tiġi posposta sa 5 snin (sa 31,5% aktar). Taxxa stmata għal {t}.","AHV/IV/EO for the self-employed 10% (lower rates up to CHF 60,500 of income)":"AHV/IV/EO għal min jaħdem għal rasu 10% (rati aktar baxxi sa CHF 60.500 ta’ dħul)","Long-service severance (art. 339b CO, at least 2 months’ pay; reduced by employer pension-fund benefits)":"Kumpens għal servizz twil (art. 339b CO, mill-inqas 2 xhur paga; imnaqqas bil-benefiċċji tal-fond tal-pensjoni tal-impjegatur)","{a} a month ({p} of your insured salary, at most CHF 12,350 a month) for {n} daily allowances (about {m} months); after a resignation the fund usually suspends 31–60 days":"{a} fix-xahar ({p} tas-salarju assigurat tiegħek, l-aktar CHF 12.350 fix-xahar) għal {n} allowance ta’ kuljum (madwar {m} xhur); wara li tirriżenja, il-fond normalment jissospendi għal 31–60 jum","{m} months (to the end of a month)":"{m} xhur (sal-aħħar tax-xahar)","Code of Obligations art. 335c":"Kodiċi tal-Obbligazzjonijiet art. 335c","Switzerland":"L-Iżvizzera","Place of residence (canton and commune)":"Post ta’ residenza (kanton u komun)","Non-occupational accident insurance (NBU) %":"Assigurazzjoni kontra inċidenti barra x-xogħol (NBU) %","Occupational pension fund (BVG minimum contributions)":"Fond tal-pensjoni (kontribuzzjonijiet minimi BVG)","Three levels tax your income: the federal government (progressive up to 11.5%; the 2026 tariff starts above CHF 15,200 of taxable income for single people), the canton and the commune, which multiply the cantonal tariff by their tax rates. The cantonal and communal tax shown here comes from the official ESTV tax calculator for 2026 for the selected city, without church tax. Children reduce the federal tax by CHF 263 each and single parents use the lower parent tariff.":"Id-dħul tiegħek jiġi ntaxxat fuq tliet livelli: mill-gvern federali (progressiv sa 11,5%; it-tariffa tal-2026 tibda ’l fuq minn CHF 15.200 ta’ dħul taxxabbli għal persuni waħedhom), mill-kanton u mill-komun, li jimmultiplikaw it-tariffa kantonali bir-rati tagħhom. It-taxxa kantonali u komunali murija ġejja mill-kalkulatur uffiċjali tat-taxxa tal-ESTV għall-2026 għall-belt magħżula, mingħajr taxxa tal-knisja. Kull tifel jew tifla jnaqqas it-taxxa federali b’CHF 263 u l-ġenituri waħedhom jintaxxaw bit-tariffa tal-ġenituri aktar baxxa.","Employees pay 5.3% AHV/IV/EO on all pay and 1.1% unemployment insurance up to CHF 148,200 a year; the employer pays the same. Non-occupational accident insurance (about 1%, depending on the insurer) is usually deducted from pay. The occupational pension (BVG) is compulsory above CHF 22,680 a year: age credits of 7% to 18% of the coordinated salary (pay up to CHF 90,720 minus CHF 26,460), at least half paid by the employer. Many pension funds insure more than the legal minimum used here.":"L-impjegati jħallsu 5,3% AHV/IV/EO fuq il-paga kollha u 1,1% assigurazzjoni kontra l-qgħad sa CHF 148.200 fis-sena; l-impjegatur iħallas l-istess. L-assigurazzjoni kontra inċidenti barra x-xogħol (madwar 1%, skont l-assiguratur) normalment titnaqqas mill-paga. Il-pensjoni okkupazzjonali (BVG) hija obbligatorja ’l fuq minn CHF 22.680 fis-sena: krediti tal-età ta’ 7% sa 18% tas-salarju kkoordinat (paga sa CHF 90.720 nieqes CHF 26.460), mill-inqas nofshom imħallsa mill-impjegatur. Ħafna fondi tal-pensjoni jassiguraw aktar mill-minimu legali użat hawn.","Code of Obligations and Labour Act":"Kodiċi tal-Obbligazzjonijiet u l-Att dwar ix-Xogħol","Overtime beyond the contractual hours is paid with a 25% supplement unless the written contract says otherwise or it is compensated with time off. Work beyond the legal maximum week (45 hours in industry and offices, 50 hours in other sectors) is limited to 2 hours a day and 170 hours a year (140 with a 50-hour week) and must be paid with 25% extra. Night work is allowed only with a permit and Sunday work is paid with 50% extra.":"Is-sahra lil hinn mis-sigħat kuntrattwali titħallas b’supplement ta’ 25%, sakemm il-kuntratt bil-miktub ma jgħidx mod ieħor jew tiġi kkumpensata b’ħin liberu. Ix-xogħol lil hinn mill-ġimgħa massima legali (45 siegħa fl-industrija u l-uffiċċji, 50 siegħa f’setturi oħra) huwa limitat għal sagħtejn kuljum u 170 siegħa fis-sena (140 b’ġimgħa ta’ 50 siegħa) u għandu jitħallas 25% aktar. Ix-xogħol bil-lejl huwa permess biss b’permess u x-xogħol nhar ta’ Ħadd jitħallas 50% aktar.","2 h / day, 170 h / year above the 45-hour week":"2 sigħat / jum, 170 siegħa / sena ’l fuq mill-ġimgħa ta’ 45 siegħa","The self-employed pay 10% AHV/IV/EO on their profit (lower rates from 5.371% for incomes below CHF 60,500, at least CHF 530 a year) and no unemployment insurance. Joining a pension fund is voluntary; without one you can pay up to 20% of your income, at most CHF 36,288 a year, into pillar 3a tax-free. VAT registration is required above CHF 100,000 of turnover.":"Min jaħdem għal rasu jħallas 10% AHV/IV/EO fuq il-profitt (rati aktar baxxi minn 5,371% għal dħul taħt CHF 60.500, mill-inqas CHF 530 fis-sena) u l-ebda assigurazzjoni kontra l-qgħad. L-adeżjoni ma’ fond tal-pensjoni hija volontarja; mingħajr fond tista’ tħallas sa 20% tad-dħul, l-aktar CHF 36.288 fis-sena, fil-pilastru 3a mingħajr taxxa. Ir-reġistrazzjoni tal-VAT hija meħtieġa ’l fuq minn CHF 100.000 ta’ dħul mill-bejgħ.","AHV old-age pension (1st pillar)":"Pensjoni tax-xjuħija AHV (l-ewwel pilastru)","A full AHV pension needs 44 contribution years and ranges from CHF 1,260 to CHF 2,520 a month depending on average yearly income (in 2025 and 2026); each missing year cuts it by about 1/44. From December 2026 a 13th monthly pension is paid every year. The reference age is 65 (women born 1961–1963 between 64¼ and 64¾); the pension can start from 63 or be deferred up to age 70.":"Pensjoni AHV sħiħa teħtieġ 44 sena ta’ kontribuzzjonijiet u tvarja minn CHF 1.260 sa CHF 2.520 fix-xahar skont id-dħul medju annwali (fl-2025 u l-2026); kull sena nieqsa tnaqqasha b’madwar 1/44. Minn Diċembru 2026 titħallas kull sena t-13-il pensjoni fix-xahar. L-età ta’ referenza hija 65 (nisa mwielda fl-1961–1963 bejn 64¼ u 64¾); il-pensjoni tista’ tibda mill-63 jew tiġi posposta sas-70.","Occupational pension (2nd pillar)":"Pensjoni okkupazzjonali (it-tieni pilastru)","The BVG savings (age credits plus at least 1.25% interest in 2026) are turned into a life pension with a minimum conversion rate of 6.8% at the reference age, or paid out as a lump sum. Together, AHV and BVG aim to replace about 60% of earlier pay up to CHF 90,720.":"It-tfaddil BVG (krediti tal-età flimkien ma’ mill-inqas 1,25% imgħax fl-2026) jinbidel f’pensjoni għal ħajjitek b’rata minima ta’ konverżjoni ta’ 6,8% fl-età ta’ referenza, jew jitħallas f’daqqa. Flimkien, l-AHV u l-BVG għandhom l-għan li jissostitwixxu madwar 60% tal-paga ta’ qabel sa CHF 90.720.","Pillar 3a contributions are deductible from taxable income up to CHF 7,258 a year in 2026 if you are in a pension fund (20% of income, at most CHF 36,288, without one). The money is locked until five years before the reference age (or for buying a home or starting a business) and taxed separately at a reduced rate when withdrawn.":"Il-kontribuzzjonijiet għall-pilastru 3a jitnaqqsu mid-dħul taxxabbli sa CHF 7.258 fis-sena fl-2026 jekk tkun f’fond tal-pensjoni (mingħajr fond, 20% tad-dħul, l-aktar CHF 36.288). Il-flus jibqgħu marbuta sa ħames snin qabel l-età ta’ referenza (ħlief biex tixtri dar jew tibda negozju) u jiġu ntaxxati separatament b’rata mnaqqsa meta jinġibdu.","Pillar 3a (bank account or securities): contributions are tax-deductible, returns are tax-free and the withdrawal is taxed separately at a reduced rate (about 7% used here; it depends on the canton and amount). Interest on ordinary savings is taxed as income (25% used) and 35% withholding tax is deducted and refunded through the tax return.":"Pilastru 3a (kont bankarju jew titoli): il-kontribuzzjonijiet jitnaqqsu mit-taxxa, ir-redditi huma ħielsa mit-taxxa u l-ġbid jiġi ntaxxat separatament b’rata mnaqqsa (hawn madwar 7%; jiddependi mill-kanton u l-ammont). L-imgħax fuq it-tfaddil ordinarju jiġi ntaxxat bħala dħul (hawn 25%) u 35% taxxa minn qabel titnaqqas u titħallas lura permezz tad-dikjarazzjoni.","Berchtold’s Day":"Jum San Berchtold","Swiss National Day":"Il-Jum Nazzjonali Żvizzeru","Jeûne genevois":"Jum is-Sawm ta’ Ġinevra (Jeûne genevois)","Federal Fast Monday":"It-Tnejn ta’ wara s-Sawm Federali","Restoration of the Republic":"Ir-Restawr tar-Repubblika","At least 4 weeks of paid holiday a year (5 weeks up to age 20); many contracts give 5 weeks. Only 1 August is a public holiday everywhere: the cantons set the others (up to 8 a year count as equal to Sundays), so the list of the selected city is shown.":"Mill-inqas 4 ġimgħat leave imħallas fis-sena (5 ġimgħat sal-età ta’ 20); ħafna kuntratti jagħtu 5 ġimgħat. L-1 ta’ Awwissu biss huwa btala kullimkien: il-kantuni jiffissaw il-bqija (sa 8 fis-sena jitqiesu daqs il-Ħdud), għalhekk tintwera l-lista tal-belt magħżula.","14 weeks from the birth (Geneva: 16 weeks)":"14-il ġimgħa mit-twelid (Ġinevra: 16-il ġimgħa)","80% of pay, at most CHF 220 a day (income-loss insurance, EO)":"80% tal-paga, l-aktar CHF 220 kuljum (assigurazzjoni għat-telf ta’ dħul, EO)","2 weeks (10 working days) within 6 months of the birth":"Ġimagħtejn (10 ijiem tax-xogħol) fi żmien 6 xhur mit-twelid","80% of pay, at most CHF 220 a day":"80% tal-paga, l-aktar CHF 220 kuljum","Family allowances":"Allowances tal-familja","Monthly per child, from the employer’s family compensation fund":"Kull xahar għal kull tifel, mill-fond ta’ kumpens familjari tal-impjegatur","At least CHF 215 per child (CHF 268 in education from 16 to 25); many cantons pay more":"Mill-inqas CHF 215 għal kull tifel (CHF 268 waqt l-edukazzjoni mis-16 sal-25 sena); ħafna kantuni jħallsu aktar","By law the employer pays for a limited time (3 weeks in the first year, longer with service); most employers have daily sickness insurance instead":"Bil-liġi l-impjegatur iħallas għal żmien limitat (3 ġimgħat fl-ewwel sena, aktar bis-servizz); il-biċċa l-kbira tal-impjegaturi minflok għandhom assigurazzjoni ta’ allowance ta’ kuljum għall-mard","100% (law) or usually 80% for up to 720 days (insurance)":"100% (liġi) jew normalment 80% sa 720 jum (assigurazzjoni)","Dismissed by the employer":"Imkeċċi mill-impjegatur","After the probation period the notice is 1 month in the first year of service, 2 months from the second to the ninth year and 3 months after that, always to the end of a month (contracts may set longer periods). There is no general severance pay: only workers aged 50 or more with 20 years at the employer are owed 2 to 8 months’ pay, reduced by what the employer’s pension fund pays.":"Wara l-perjodu ta’ prova, in-notifika hija xahar fl-ewwel sena ta’ servizz, xahrejn mit-tieni sad-disa’ sena u 3 xhur wara, dejjem sal-aħħar tax-xahar (il-kuntratti jistgħu jistipulaw perjodi itwal). M’hemmx kumpens ġenerali għat-tkeċċija: il-ħaddiema ta’ 50 sena jew aktar b’20 sena mal-impjegatur biss għandhom jedd għal 2 sa 8 xhur paga, imnaqqsa b’dak li jħallas il-fond tal-pensjoni tal-impjegatur.","With at least 12 months of contributions in the last 2 years the unemployment fund pays 70% of your insured salary (80% with children or a low salary), at most CHF 12,350 a month, for 200 daily allowances (12 months of contributions), 260 (18 months) or 400 (22 months; 520 from age 55). There are 5 to 20 waiting days depending on income, and a suspension if you resigned without good reason.":"B’mill-inqas 12-il xahar ta’ kontribuzzjonijiet fl-aħħar sentejn, il-fond tal-qgħad iħallas 70% tas-salarju assigurat tiegħek (80% bit-tfal jew b’paga baxxa), l-aktar CHF 12.350 fix-xahar, għal 200 allowance ta’ kuljum (12-il xahar ta’ kontribuzzjonijiet), 260 (18-il xahar) jew 400 (22 xahar; 520 mill-55 sena). Hemm 5 sa 20 jum ta’ stennija skont id-dħul u sospensjoni jekk irriżenjajt mingħajr raġuni valida.","Paying the maximum CHF 7,258 into pillar 3a lowers your federal, cantonal and communal income tax at your marginal rate.":"Jekk tħallas il-massimu ta’ CHF 7.258 fil-pilastru 3a, tnaqqas it-taxxa federali, kantonali u komunali bir-rata marġinali tiegħek.","Voluntary buy-ins into your pension fund are also fully deductible (ask your fund for your buy-in potential).":"Ix-xiri volontarju fil-fond tal-pensjoni huwa wkoll deduċibbli kollu (staqsi lill-fond tiegħek dwar il-potenzjal tax-xiri).","Family allowances of at least CHF 215 per child a month are included (many cantons pay more, e.g. Geneva and Vaud). Married couples are taxed jointly with the married tariff, which is not modelled; single parents use the parent tariff.":"L-allowances tal-familja ta’ mill-inqas CHF 215 għal kull tifel fix-xahar huma inklużi (ħafna kantuni jħallsu aktar, eż. Ġinevra u Vaud). Il-koppji miżżewġin jiġu ntaxxati flimkien bit-tariffa tal-miżżewġin, li mhix ikkalkulata hawn; il-ġenituri waħedhom jintaxxaw bit-tariffa tal-ġenituri.","None (only from age 50 with 20 years)":"Xejn (biss mill-50 sena b’20 sena servizz)","14 weeks at 80%":"14-il ġimgħa b’80%","2 weeks at 80%":"Ġimagħtejn b’80%","No general parental leave":"L-ebda leave tal-ġenituri ġenerali","80% (insurance, up to 720 days)":"80% (assigurazzjoni, sa 720 jum)","Annual social insurance and income tax for one employee with the 2026 rules: federal tax from the official tariff, cantonal and communal tax from the ESTV tax calculator for the selected city (no church tax; the cantons’ standard deductions as the calculator applies them), the legal minimum BVG contributions and an estimated accident premium. Married couples, church tax, actual pension-fund rules, wealth tax and withholding tax for foreign workers (Quellensteuer) are not modelled.":"Kontribuzzjonijiet soċjali u taxxa fuq id-dħul annwali għal impjegat wieħed bir-regoli tal-2026: taxxa federali mit-tariffa uffiċjali, taxxa kantonali u komunali mill-kalkulatur tat-taxxa tal-ESTV għall-belt magħżula (mingħajr taxxa tal-knisja; bit-tnaqqisiet standard tal-kantuni kif japplikahom il-kalkulatur), il-kontribuzzjonijiet BVG minimi legali u primjum stmat għall-inċidenti. Il-koppji miżżewġin, it-taxxa tal-knisja, ir-regoli attwali tal-fondi tal-pensjoni, it-taxxa fuq il-ġid u t-taxxa fis-sors għall-ħaddiema barranin mhumiex ikkalkulati.","Official sources: Federal Tax Administration ESTV (2026 tariffs and deductions, circular 2-215-D-2025; ESTV tax calculator for the cantonal and communal tax 2026), Federal Social Insurance Office (AHV pension scale, BVG thresholds and pillar 3a limits 2026), AHVG, BVG, AVIG (unemployment insurance), Code of Obligations (notice and severance), Labour Act (working hours), Eurostat (inflation, price levels, life expectancy).":"Sorsi uffiċjali: Amministrazzjoni Federali tat-Taxxa ESTV (tariffi u tnaqqisiet 2026, ċirkulari 2-215-D-2025; kalkulatur tat-taxxa tal-ESTV għat-taxxa kantonali u komunali 2026), Uffiċċju Federali tal-Assigurazzjoni Soċjali (skala tal-pensjonijiet AHV, limiti BVG u limiti tal-pilastru 3a 2026), AHVG, BVG, AVIG (assigurazzjoni kontra l-qgħad), Kodiċi tal-Obbligazzjonijiet (notifika u kumpens), Att dwar ix-Xogħol (ħin tax-xogħol), Eurostat (inflazzjoni, livelli tal-prezzijiet, stennija tal-għomor).","Federal tax on a taxable income of CHF 80,000 (single)":"Taxxa federali fuq dħul taxxabbli ta’ CHF 80.000 (persuna waħedha)","Federal tax for a single parent with two children, taxable CHF 70,173":"Taxxa federali għal ġenitur waħdu b’żewġt itfal, taxxabbli CHF 70.173","Federal taxable income at CHF 100,000 gross (ESTV example: CHF 10,338 contributions)":"Dħul taxxabbli federali b’CHF 100.000 gross (eżempju tal-ESTV: CHF 10.338 kontribuzzjonijiet)","Cantonal and communal tax in Zurich, ESTV example at CHF 100,000 gross":"Taxxa kantonali u komunali f’Zurich, eżempju tal-ESTV b’CHF 100.000 gross","Maximum employee unemployment insurance contribution":"Kontribuzzjoni massima tal-impjegat għall-assigurazzjoni kontra l-qgħad","Maximum BVG coordinated salary":"Salarju kkoordinat BVG massimu","Maximum full AHV pension (per month)":"Pensjoni AHV sħiħa massima (fix-xahar)","Full AHV pension at an average income of CHF 45,360":"Pensjoni AHV sħiħa b’dħul medju ta’ CHF 45.360","Pillar 3a maximum with a pension fund 2026":"Massimu tal-pilastru 3a b’fond tal-pensjoni 2026","Maximum unemployment benefit per month (70%)":"Benefiċċju massimu tal-qgħad fix-xahar (70%)","Notice after 5 years of service (months)":"Notifika wara 5 snin servizz (xhur)","Pension fund 4%":"Fond tal-pensjoni 4%","Supplementary private pension 2% (tax-deductible)":"Pensjoni privata supplimentari 2% (deduċibbli)","Income tax incl. municipal tax ({a} / {b} / {c}, less the personal tax credit)":"Taxxa fuq id-dħul inkluża t-taxxa muniċipali ({a} / {b} / {c}, nieqes il-kreditu personali tat-taxxa)","Personal tax credit (per year)":"Kreditu personali tat-taxxa (fis-sena)","Employer pension 11.5% and private pension 2%, social security tax 6.35%, rehabilitation fund 0.1%":"Pensjoni tal-impjegatur 11,5% u pensjoni privata 2%, taxxa tas-sigurtà soċjali 6,35%, fond tar-riabilitazzjoni 0,1%","Employer pension 11.5%, social security tax 6.35%, rehabilitation fund 0.1%":"Pensjoni tal-impjegatur 11,5%, taxxa tas-sigurtà soċjali 6,35%, fond tar-riabilitazzjoni 0,1%","Pension-fund pension {f} a month (about 1.8% of your pay for each of {y} contribution years) plus the TR old-age pension {t}: up to ISK 365,592 a month with 40 years of residence ({r} here), reduced by 45% of other income above ISK 43,658 a month. Pensions start at 67; from 65 they are cut by 0.5% a month and deferring raises them by 0.5% a month.":"Pensjoni mill-fond {f} fix-xahar (madwar 1,8% tal-paga tiegħek għal kull waħda minn {y} sena ta’ kontribuzzjonijiet) flimkien mal-pensjoni tax-xjuħija tal-istat (TR) {t}: sa ISK 365.592 fix-xahar b’40 sena residenza (hawn {r}), imnaqqsa b’45% ta’ dħul ieħor ’il fuq minn ISK 43.658 fix-xahar. Il-pensjonijiet jibdew fis-67; mill-65 jitnaqqsu b’0,5% fix-xahar u l-posponiment iżidhom b’0,5% fix-xahar.","Pension 15.5% and social security tax 6.35% on your own salary":"Pensjoni 15,5% u taxxa tas-sigurtà soċjali 6,35% fuq is-salarju tiegħek","3 months":"3 xhur","{a} a month for the first 3 months (70% of your average pay, at most ISK 605,159), then ISK 383,870, for up to 24 months in total{p}":"{a} fix-xahar għall-ewwel 3 xhur (70% tal-paga medja tiegħek, l-aktar ISK 605.159), imbagħad ISK 383.870, sa 24 xahar b’kollox{p}","; after resigning without good reason the first 2 months are not paid":"; wara riżenja mingħajr raġuni valida l-ewwel xahrejn ma jitħallsux","Act 19/1979 and collective agreements":"Att 19/1979 u ftehim kollettivi","Iceland":"L-Iżlanda","Supplementary private pension 2% (with the employer’s 2%)":"Pensjoni privata supplimentari 2% (mat-2% tal-impjegatur)","Years lived in Iceland between ages 16 and 67 (for the TR pension)":"Snin li għext fl-Iżlanda bejn is-16 u s-67 sena (għall-pensjoni TR)","Tax is withheld every month at 31.49% up to ISK 498,122, 37.99% up to ISK 1,398,450 and 46.29% above; the rates include the average municipal income tax. Everyone aged 16 or more gets a personal tax credit of ISK 72,492 a month (ISK 869,898 a year), deducted from the tax. Pension-fund contributions (4%) and supplementary private pension contributions (up to 4%) are deducted before tax.":"It-taxxa titnaqqas kull xahar b’31,49% sa ISK 498.122, 37,99% sa ISK 1.398.450 u 46,29% ’il fuq minn hekk; ir-rati jinkludu t-taxxa muniċipali medja fuq id-dħul. Kull min għandu 16-il sena jew aktar jieħu kreditu personali tat-taxxa ta’ ISK 72.492 fix-xahar (ISK 869.898 fis-sena), imnaqqas mit-taxxa. Il-kontribuzzjonijiet għall-fond tal-pensjoni (4%) u għall-pensjoni privata supplimentari (sa 4%) jitnaqqsu qabel it-taxxa.","Employees pay 4% of pay to a pension fund and the employer 11.5%; most also save 2% in a supplementary private pension, matched by 2% from the employer under the collective agreements. Employers also pay the social security tax (tryggingagjald) of 6.35%. Union dues (often about 1%) are not included.":"L-impjegati jħallsu 4% tal-paga lil fond tal-pensjoni u l-impjegatur 11,5%; il-biċċa l-kbira jfaddlu wkoll 2% f’pensjoni privata supplimentari, b’2% oħra mill-impjegatur skont il-ftehim kollettivi. L-impjegaturi jħallsu wkoll it-taxxa tas-sigurtà soċjali (tryggingagjald) ta’ 6,35%. Il-ħlasijiet tal-unjin (spiss madwar 1%) mhumiex inklużi.","Collective agreements and the Working Environment Act":"Ftehim kollettivi u l-Att dwar l-Ambjent tax-Xogħol","The normal week is 40 hours (36 in many agreements since the shorter working week). Overtime is paid under the collective agreements, commonly at 1.0385% of monthly pay per hour (about 80% above the normal hourly rate). Working time including overtime may not exceed 48 hours a week on average, with at least 11 hours of rest a day.":"Il-ġimgħa normali hija ta’ 40 siegħa (36 f’ħafna ftehim minn meta tqassret il-ġimgħa tax-xogħol). Is-sahra titħallas skont il-ftehim kollettivi, normalment b’1,0385% tal-paga tax-xahar għal kull siegħa (madwar 80% aktar mir-rata normali). Il-ħin tax-xogħol inkluża s-sahra ma jistax jaqbeż 48 siegħa fil-ġimgħa bħala medja, b’mill-inqas 11-il siegħa mistrieħ kuljum.","48 h / week on average including overtime":"48 siegħa / ġimgħa bħala medja inkluża s-sahra","The self-employed must pay themselves a salary at least at the official guideline for their occupation (reiknað endurgjald), with 15.5% pension contributions and the 6.35% social security tax; the salary is taxed like an employee’s. Here the whole profit is treated as your own salary.":"Min jaħdem għal rasu għandu jħallas lilu nnifsu salarju mill-inqas daqs il-gwida uffiċjali għall-professjoni tiegħu (reiknað endurgjald), b’15,5% kontribuzzjonijiet għall-pensjoni u t-taxxa tas-sigurtà soċjali ta’ 6,35%; is-salarju jiġi ntaxxat bħal dak ta’ impjegat. Hawn il-profitt kollu jitqies bħala s-salarju tiegħek.","Pension funds":"Fondi tal-pensjoni","The main pension comes from the occupational pension funds, which receive 15.5% of pay (4% employee, 11.5% employer) and pay a life pension from 67, usually possible from 60–65 with a reduction. Each fund has its own accrual tables; about 1.8% of pay per year is used here.":"Il-pensjoni ewlenija ġejja mill-fondi tal-pensjoni okkupazzjonali, li jirċievu 15,5% tal-paga (4% l-impjegat, 11,5% l-impjegatur) u jħallsu pensjoni għal ħajjitek mis-67, normalment possibbli mis-60–65 bi tnaqqis. Kull fond għandu t-tabelli tiegħu; hawn jintuża madwar 1,8% tal-paga fis-sena.","State old-age pension (TR)":"Pensjoni tax-xjuħija tal-istat (TR)","The Social Insurance Administration pays up to ISK 365,592 a month in 2026 to people with 40 years of residence between 16 and 67 (less with fewer years). It is reduced by 45% of other income, including fund pensions, above ISK 43,658 a month. Single people living alone can receive a household supplement (not included).":"L-Amministrazzjoni tas-Sigurtà Soċjali tħallas fl-2026 sa ISK 365.592 fix-xahar lil min għandu 40 sena residenza bejn is-16 u s-67 sena (inqas b’inqas snin). Titnaqqas b’45% ta’ dħul ieħor, inklużi l-pensjonijiet mill-fondi, ’il fuq minn ISK 43.658 fix-xahar. Min jgħix waħdu jista’ jieħu supplement tad-dar (mhux inkluż).","Supplementary private pension contributions are deductible up to 4% of pay ({l} for you); the employer adds 2% under the collective agreements. The savings can be withdrawn from 60, or used tax-free towards a first home (up to ISK 500,000 a year for 10 years).":"Il-kontribuzzjonijiet għall-pensjoni privata supplimentari huma deduċibbli sa 4% tal-paga ({l} għalik); l-impjegatur iżid 2% skont il-ftehim kollettivi. It-tfaddil jista’ jinġibed mis-60 jew jintuża mingħajr taxxa għall-ewwel dar (sa ISK 500.000 fis-sena għal 10 snin).","Supplementary private pension (séreignarsparnaður): up to 4% of pay is deductible and the employer adds 2%; withdrawals from 60 are taxed as income (about 32% used here), but the savings can be used tax-free for a first home. Interest above ISK 300,000 a year is taxed at 22% capital income tax.":"Pensjoni privata supplimentari (séreignarsparnaður): sa 4% tal-paga hija deduċibbli u l-impjegatur iżid 2%; il-ġbid mis-60 jiġi ntaxxat bħala dħul (hawn madwar 32%), iżda t-tfaddil jista’ jintuża mingħajr taxxa għall-ewwel dar. L-imgħax ’il fuq minn ISK 300.000 fis-sena jiġi ntaxxat b’22% taxxa fuq id-dħul mill-kapital.","First Day of Summer":"L-Ewwel Jum tas-Sajf","Commerce Day":"Jum il-Kummerċ","Christmas Eve (from 13:00)":"Lejlet il-Milied (mis-13:00)","New Year’s Eve (from 13:00)":"Lejlet l-Ewwel tas-Sena (mis-13:00)","By law 24 working days counting Saturdays (4 weeks) with 10.17% holiday pay; collective agreements usually give 24 days on a 5-day week, rising to 30 with age and service. Holidays falling on a weekend are not moved.":"Bil-liġi 24 jum tax-xogħol inkluż is-Sibt (4 ġimgħat) b’10,17% paga tal-leave; il-ftehim kollettivi normalment jagħtu 24 jum f’ġimgħa ta’ 5 ijiem, li jiżdiedu sa 30 bl-età u s-servizz. Il-btajjel li jaħbtu fi tmiem il-ġimgħa ma jiġux imċaqalqa.","12 months in total: 6 months for each parent, 6 weeks of which can be transferred, until the child is 24 months old":"12-il xahar b’kollox: 6 xhur għal kull ġenitur, li minnhom 6 ġimgħat jistgħu jiġu trasferiti, sakemm it-tifel jagħlaq 24 xahar","80% of average pay up to a monthly ceiling (Maternity/Paternity Leave Fund)":"80% tal-paga medja sa limitu fix-xahar (Fond tal-Leave tal-Ġenituri)","Paid by the tax authority four times a year":"Imħallsa mill-awtorità tat-taxxa erba’ darbiet fis-sena","Paid by the employer: 2 days per month of service, more under the collective agreements; then the union sickness fund":"Imħallas mill-impjegatur: jumejn għal kull xahar servizz, aktar skont il-ftehim kollettivi; imbagħad il-fond tal-mard tal-unjin","100% of pay while the employer pays":"100% tal-paga sakemm iħallas l-impjegatur","The law gives at least 1 month’s notice after 1 year of service, 2 months after 3 years and 3 months after 5 years, always to the end of a month; collective agreements set 1 week during the first 3 months and often longer notice for older workers with long service. There is no statutory severance pay.":"Il-liġi tagħti mill-inqas xahar notifika wara sena servizz, xahrejn wara 3 snin u 3 xhur wara 5 snin, dejjem sal-aħħar tax-xahar; il-ftehim kollettivi jistabbilixxu ġimgħa matul l-ewwel 3 xhur u spiss notifika itwal għall-ħaddiema anzjani b’servizz twil. M’hemmx kumpens legali għat-tkeċċija.","With 12 months of work in the last 12 months the Directorate of Labour pays income-related benefit of 70% of your average pay for 3 months, at most ISK 605,159 a month, and then the basic benefit of ISK 383,870 a month; with 3 to 12 months of work you get a share. From 1 July 2026 benefits last at most 24 months (30 before).":"B’12-il xahar xogħol fl-aħħar 12-il xahar, id-Direttorat tax-Xogħol iħallas għal 3 xhur benefiċċju marbut mad-dħul ta’ 70% tal-paga medja tiegħek, l-aktar ISK 605.159 fix-xahar, u mbagħad il-benefiċċju bażiku ta’ ISK 383.870 fix-xahar; b’3 sa 12-il xahar xogħol tieħu sehem. Mill-1 ta’ Lulju 2026 il-benefiċċju jdum l-aktar 24 xahar (qabel 30).","Saving 4% in a supplementary private pension lowers your tax and the employer adds 2%; the savings can also go tax-free towards a first home.":"Jekk tfaddal 4% f’pensjoni privata supplimentari tnaqqas it-taxxa u l-impjegatur iżid 2%; it-tfaddil jista’ jmur ukoll mingħajr taxxa għall-ewwel dar.","Child benefit and the interest allowance depend on income and are not included. Spouses can use each other’s unused personal tax credit (not modelled).":"Il-benefiċċju għat-tfal u l-għajnuna fuq l-imgħax jiddependu mid-dħul u mhumiex inklużi. Il-miżżewġin jistgħu jużaw il-kreditu personali mhux użat ta’ xulxin (mhux ikkalkulat).","6 months at 80% (ceiling)":"6 xhur b’80% (limitu)","12 months shared (6 + 6)":"12-il xahar maqsuma (6 + 6)","100% from the employer, then sickness fund":"100% mill-impjegatur, imbagħad fond tal-mard","Monthly withholding tax for one employee with the 2026 brackets (average municipal rate) and the full personal tax credit, the 4% pension contribution and optionally 2% supplementary private pension. Union dues, child benefit, the interest allowance, transferring a spouse’s credit and the exact rules of your pension fund are not modelled.":"Taxxa mnaqqsa kull xahar għal impjegat wieħed bil-faxex tal-2026 (rata muniċipali medja) u l-kreditu personali sħiħ tat-taxxa, il-kontribuzzjoni tal-pensjoni ta’ 4% u, jekk trid, 2% pensjoni privata supplimentari. Il-ħlasijiet tal-unjin, il-benefiċċju għat-tfal, l-għajnuna fuq l-imgħax, it-trasferiment tal-kreditu tal-konjuġi u r-regoli eżatti tal-fond tal-pensjoni tiegħek mhumiex ikkalkulati.","Official sources: Iceland Revenue and Customs, Skatturinn (tax brackets, personal tax credit and social security tax 2026), island.is, Social Insurance Administration TR (old-age pension and income thresholds 2026), Directorate of Labour and regulation 1489/2025 (unemployment benefit), Act 19/1979 (notice), Act 30/1987 (holidays), Central Bank of Iceland (borrower-based measures), Eurostat (inflation, price levels, life expectancy).":"Sorsi uffiċjali: Awtorità tat-Taxxa u d-Dwana tal-Iżlanda Skatturinn (faxex, kreditu personali u taxxa tas-sigurtà soċjali 2026), island.is, Amministrazzjoni tas-Sigurtà Soċjali TR (pensjoni tax-xjuħija u limiti tad-dħul 2026), Direttorat tax-Xogħol u regolament 1489/2025 (benefiċċju tal-qgħad), Att 19/1979 (notifika), Att 30/1987 (leave), Bank Ċentrali tal-Iżlanda (miżuri fuq min jissellef), Eurostat (inflazzjoni, livelli tal-prezzijiet, stennija tal-għomor).","Monthly tax before the credit on ISK 600,000":"Taxxa fix-xahar qabel il-kreditu fuq ISK 600.000","Monthly income with no tax after the personal credit":"Dħul fix-xahar mingħajr taxxa wara l-kreditu personali","Yearly personal tax credit":"Kreditu personali tat-taxxa fis-sena","Full TR old-age pension (per month)":"Pensjoni tax-xjuħija TR sħiħa (fix-xahar)","Maximum income-related unemployment benefit (per month)":"Benefiċċju massimu tal-qgħad marbut mad-dħul (fix-xahar)","Notice after 4 years of service":"Notifika wara 4 snin servizz","Income tax (PAYE)":"Taxxa fuq id-dħul (PAYE)","Independent earner tax credit":"Kreditu tat-taxxa għal min jaqla’ b’mod indipendenti (IETC)","ACC earners’ levy 1.75%":"Imposta ACC fuq il-qligħ 1,75%","Employer KiwiSaver 3.5% (paid into your account after {p} ESCT)":"KiwiSaver tal-impjegatur 3,5% (imħallas fil-kont tiegħek wara {p} ESCT)","NZ Superannuation {s} a month before tax (single, living alone: $1,294.74 a fortnight from 1 April 2026; it is not means-tested and needs {n} years of residence after age 20). KiwiSaver balance about {b}, drawn as {k} a month over your life expectancy (withdrawals are tax-free). NZ Super starts at 65 and cannot be taken earlier.":"NZ Superannuation {s} fix-xahar qabel it-taxxa (persuna waħedha li tgħix waħedha: $1.294,74 kull ġimagħtejn mill-1 ta’ April 2026; mingħajr test tal-mezzi, b’{n} sena residenza wara l-età ta’ 20). Bilanċ KiwiSaver ta’ madwar {b}, imħallas bħala {k} fix-xahar matul l-istennija tal-għomor tiegħek (il-ġbid huwa ħieles mit-taxxa). In-NZ Super tibda fil-65 u ma tistax tittieħed qabel.","ACC earners’ levy 1.75% (the ACC work levy for your industry is extra)":"Imposta ACC fuq il-qligħ 1,75% (l-imposta ACC tax-xogħol tas-settur tiegħek hija żejda)","Jobseeker Support of {a} a week before tax (single, 25 or over{p}), paid as long as you qualify and reapplied for every 52 weeks; it is reduced by your partner’s income and starts after a stand-down of up to 2 weeks{r}. Shown here for 26 weeks.":"Jobseeker Support ta’ {a} fil-ġimgħa qabel it-taxxa (persuna waħedha ta’ 25 sena jew aktar{p}), sakemm tikkwalifika u ssir applikazzjoni ġdida kull 52 ġimgħa; titnaqqas bid-dħul tal-imsieħeb tiegħek u tibda wara stennija sa ġimagħtejn{r}. Murija hawn għal 26 ġimgħa.",", sole-parent rate":", rata għal ġenitur waħdu","; after resigning without good reason it can be withheld for 13 weeks":"; wara riżenja mingħajr raġuni valida tista’ tinżamm għal 13-il ġimgħa","As set in your employment agreement (often 4 weeks; “reasonable notice” if none)":"Kif stabbilit fil-ftehim tal-impjieg tiegħek (spiss 4 ġimgħat; “notifika raġonevoli” jekk mhux stipulat)","Employment Relations Act 2000":"Employment Relations Act 2000","New Zealand":"New Zealand","KiwiSaver contribution rate %":"Rata tal-kontribuzzjoni KiwiSaver %","Not a member":"Mhux membru","Years lived in New Zealand after age 20":"Snin li għext fi New Zealand wara l-età ta’ 20","Income tax is 10.5% up to $15,600, 17.5% up to $53,500, 30% up to $78,100, 33% up to $180,000 and 39% above, with no tax-free allowance. People earning $24,000 to $70,000 who get no benefits or Working for Families get the independent earner tax credit of up to $520 a year. The tax year runs from 1 April to 31 March.":"It-taxxa fuq id-dħul hija 10,5% sa $15.600, 17,5% sa $53.500, 30% sa $78.100, 33% sa $180.000 u 39% ’il fuq minn hekk, mingħajr ammont ħieles mit-taxxa. Min jaqla’ $24.000 sa $70.000 u ma jirċievix benefiċċji jew Working for Families jieħu l-kreditu IETC sa $520 fis-sena. Is-sena tat-taxxa hija mill-1 ta’ April sal-31 ta’ Marzu.","ACC and KiwiSaver":"ACC u KiwiSaver","Every employee pays the ACC earners’ levy for accident cover: 1.75% of pay up to $156,641 in 2026–27. KiwiSaver members contribute 3.5% of pay from 1 April 2026 (or 4%, 6%, 8% or 10%), and the employer adds 3.5% minus employer superannuation contribution tax. There is no other social security contribution.":"Kull impjegat iħallas l-imposta ACC għall-kopertura tal-inċidenti: 1,75% tal-paga sa $156.641 fl-2026–27. Il-membri tal-KiwiSaver jikkontribwixxu 3,5% tal-paga mill-1 ta’ April 2026 (jew 4%, 6%, 8% jew 10%), u l-impjegatur iżid 3,5% nieqes it-taxxa fuq il-kontribuzzjonijiet tal-impjegatur (ESCT). M’hemmx kontribuzzjonijiet soċjali oħra.","Employment agreements":"Ftehim tal-impjieg","There is no legal overtime rate: extra hours are paid as the employment agreement says, as long as average pay stays at least at the minimum wage ($23.95 an hour from 1 April 2026). Work on a public holiday is paid at least time and a half plus a day off in lieu if it is a normal working day.":"M’hemmx rata legali għas-sahra: is-sigħat żejda jitħallsu kif jgħid il-ftehim tal-impjieg, sakemm il-paga medja tibqa’ mill-inqas il-paga minima ($23,95 fis-siegħa mill-1 ta’ April 2026). Ix-xogħol f’btala pubblika jitħallas mill-inqas darba u nofs flimkien ma’ jum liberu sostitut jekk ikun jum normali tax-xogħol.","No legal limit; set by the agreement":"L-ebda limitu legali; stabbilit mill-ftehim","Sole traders pay income tax on their profit at the same rates as employees, usually through provisional tax, and ACC levies (the earners’ levy plus a work levy that depends on the industry). GST registration is required above $60,000 of turnover. KiwiSaver contributions are voluntary.":"In-negozjanti individwali jħallsu taxxa fuq id-dħul fuq il-profitt bl-istess rati tal-impjegati, normalment permezz ta’ taxxa provviżorja, u l-imposti ACC (l-imposta fuq il-qligħ flimkien ma’ imposta tax-xogħol skont is-settur). Ir-reġistrazzjoni tal-GST hija meħtieġa ’l fuq minn $60.000 ta’ dħul mill-bejgħ. Il-kontribuzzjonijiet KiwiSaver huma volontarji.","NZ Super is paid from 65 to residents who lived in New Zealand at least 10 years after age 20 (gradually rising to 20 years for people born from July 1959), regardless of past earnings or other income. From 1 April 2026 a single person living alone receives $1,294.74 a fortnight before tax ($1,110.30 after tax at the M code); it is taxed as income.":"In-NZ Super titħallas mill-65 lir-residenti li għexu fi New Zealand mill-inqas 10 snin wara l-età ta’ 20 (li jiżdiedu gradwalment għal 20 sena għal min twieled minn Lulju 1959), irrispettivament mill-qligħ tal-passat jew minn dħul ieħor. Mill-1 ta’ April 2026 persuna waħedha li tgħix waħedha tieħu $1.294,74 kull ġimagħtejn qabel it-taxxa ($1.110,30 wara t-taxxa bil-kodiċi M); tiġi ntaxxata bħala dħul.","KiwiSaver savings come from your contributions, the employer’s 3.5% and the government contribution of 25 cents per dollar up to $260.72 a year (not for incomes above $180,000). They can be withdrawn from 65, or earlier for a first home.":"It-tfaddil KiwiSaver ġej mill-kontribuzzjonijiet tiegħek, mit-3,5% tal-impjegatur u mill-kontribuzzjoni tal-gvern ta’ 25 ċenteżmu għal kull dollaru sa $260,72 fis-sena (mhux għal dħul ’il fuq minn $180.000). Jista’ jinġibed mill-65 jew qabel għall-ewwel dar.","KiwiSaver contributions are not tax-deductible, but the government adds 25 cents for every dollar you contribute, up to $260.72 a year ({l} for you), and employer contributions are taxed at a flat ESCT rate. Withdrawals from 65 are tax-free.":"Il-kontribuzzjonijiet KiwiSaver mhumiex deduċibbli, iżda l-gvern iżid 25 ċenteżmu għal kull dollaru li tikkontribwixxi, sa $260,72 fis-sena ({l} għalik), u l-kontribuzzjonijiet tal-impjegatur jiġu ntaxxati b’rata ESCT fissa. Il-ġbid mill-65 huwa ħieles mit-taxxa.","KiwiSaver: funds are taxed inside the scheme at your prescribed investor rate (10.5%, 17.5% or 28%), and withdrawals from 65 are tax-free. Interest in a bank account is taxed at your marginal rate (30% used here).":"KiwiSaver: il-fondi jiġu ntaxxati fl-iskema bir-rata tal-investitur tiegħek (10,5%, 17,5% jew 28%) u l-ġbid mill-65 huwa ħieles mit-taxxa. L-imgħax f’kont bankarju jiġi ntaxxat bir-rata marġinali tiegħek (hawn 30%).","Day after New Year’s Day":"Il-jum ta’ wara l-Ewwel tas-Sena","Waitangi Day":"Waitangi Day","King’s Birthday":"Għeluq Snin ir-Re","At least 4 weeks of paid annual holidays after 12 months of work, plus 12 public holidays (holidays on a weekend move to the next working day for most of them) and a regional anniversary day, which is not shown. Sick leave is 10 days a year after 6 months.":"Mill-inqas 4 ġimgħat leave annwali mħallas wara 12-il xahar xogħol, flimkien ma’ 12-il btala pubblika (il-biċċa l-kbira jiċċaqilqu għall-jum tax-xogħol ta’ wara jekk jaħbtu fi tmiem il-ġimgħa) u jum ta’ anniversarju reġjonali, li mhux muri. Il-leave tal-mard huwa 10 ijiem fis-sena wara 6 xhur.","Paid parental leave":"Leave tal-ġenituri mħallas","Up to 26 weeks for the primary carer (can be shared), plus up to 52 weeks of unpaid extended leave":"Sa 26 ġimgħa għall-persuna li tieħu ħsieb primarjament (jistgħu jinqasmu), flimkien ma’ sa 52 ġimgħa leave estiż mhux imħallas","100% of average weekly earnings, at most $811.05 a week before tax (from 1 July 2026)":"100% tal-qligħ medju fil-ġimgħa, l-aktar $811,05 fil-ġimgħa qabel it-taxxa (mill-1 ta’ Lulju 2026)","Partner’s leave":"Leave tal-imsieħeb","1 or 2 weeks around the birth":"Ġimgħa jew ġimagħtejn madwar it-twelid","Weekly tax credits for families with children":"Krediti tat-taxxa fil-ġimgħa għal familji bit-tfal","10 days a year after 6 months of work, carried over up to 20 days":"10 ijiem fis-sena wara 6 xhur xogħol, li jistgħu jinġabru sa 20 jum","Made redundant or dismissed":"Redundant jew imkeċċi","Notice and redundancy":"Notifika u redundancy","The law sets no minimum notice period or redundancy pay: notice follows the employment agreement (4 weeks is common) and redundancy compensation is owed only if the agreement provides it. A dismissal must follow a fair process with a genuine reason. Untaken annual holidays are paid out at 8% of gross earnings or the leave value, whichever is higher.":"Il-liġi ma tistabbilixxi l-ebda perjodu minimu ta’ notifika jew kumpens għar-redundancy: in-notifika ssegwi l-ftehim tal-impjieg (4 ġimgħat huwa komuni) u l-kumpens huwa dovut biss jekk il-ftehim jipprovdih. It-tkeċċija trid issegwi proċess ġust b’raġuni ġenwina. Il-leave annwali mhux meħud jitħallas bi 8% tal-qligħ gross jew bil-valur tal-leave, liema jkun l-ogħla.","There is no unemployment insurance. Work and Income pays Jobseeker Support, a flat weekly benefit of $426.12 before tax for a single person aged 25 or over from 1 April 2026 ($606.69 for a sole parent), reduced by your and your partner’s other income and subject to work obligations.":"M’hemmx assigurazzjoni kontra l-qgħad. Work and Income tħallas il-Jobseeker Support, benefiċċju fiss fil-ġimgħa ta’ $426,12 qabel it-taxxa għal persuna waħedha ta’ 25 sena jew aktar mill-1 ta’ April 2026 ($606,69 għal ġenitur waħdu), imnaqqas bid-dħul l-ieħor tiegħek u tal-imsieħeb tiegħek u soġġett għal obbligi ta’ tfittxija ta’ xogħol.","Contribute at least $1,042.86 a year to KiwiSaver to receive the full government contribution of $260.72.":"Ikkontribwixxi mill-inqas $1.042,86 fis-sena fil-KiwiSaver biex tieħu l-kontribuzzjoni sħiħa tal-gvern ta’ $260,72.","Working for Families tax credits and the Best Start payment depend on family income and are not included. Each person is taxed individually.":"Il-krediti tat-taxxa Working for Families u l-ħlas Best Start jiddependu mid-dħul tal-familja u mhumiex inklużi. Kull persuna tiġi ntaxxata individwalment.","None by law (agreement only)":"Xejn bil-liġi (biss bil-ftehim)","Per agreement":"Skont il-ftehim","Flat, income-tested":"Fiss, skont id-dħul","26 weeks at 100% (up to $811.05 a week)":"26 ġimgħa b’100% (sa $811,05 fil-ġimgħa)","1–2 weeks unpaid":"1–2 ġimgħat mhux imħallsa","Shareable within the 26 weeks":"Jista’ jinqasam fis-26 ġimgħa","10 days a year at 100%":"10 ijiem fis-sena b’100%","Annual PAYE income tax, ACC earners’ levy and KiwiSaver for one employee with the 2026–27 rates. Working for Families, the student loan repayment (12% above $24,128), the secondary tax codes and the ACC work levy for the self-employed are not modelled.":"Taxxa PAYE annwali, imposta ACC u KiwiSaver għal impjegat wieħed bir-rati tal-2026–27. Working for Families, il-ħlas lura tas-self tal-istudenti (12% ’il fuq minn $24.128), il-kodiċijiet sekondarji tat-taxxa u l-imposta ACC tax-xogħol għal min jaħdem għal rasu mhumiex ikkalkulati.","Official sources: Inland Revenue (income tax rates, independent earner tax credit, KiwiSaver and ESCT 2026–27), ACC (earners’ levy 2026–27), Work and Income (benefit and NZ Super rates from 1 April 2026), Employment New Zealand (minimum wage, holidays, notice), Te Kāhui o Matariki Public Holiday Act 2022, Reserve Bank of New Zealand (loan-to-value and debt-to-income limits), Stats NZ (inflation), World Bank ICP (price levels).":"Sorsi uffiċjali: Inland Revenue (rati tat-taxxa, IETC, KiwiSaver u ESCT 2026–27), ACC (imposta fuq il-qligħ 2026–27), Work and Income (benefiċċji u NZ Super mill-1 ta’ April 2026), Employment New Zealand (paga minima, leave, notifika), Te Kāhui o Matariki Public Holiday Act 2022, Reserve Bank of New Zealand (limiti tas-self mal-valur u d-dejn mad-dħul), Stats NZ (inflazzjoni), Bank Dinji ICP (livelli tal-prezzijiet).","Income tax on $70,000 a year (before credits)":"Taxxa fuq id-dħul fuq $70.000 fis-sena (qabel il-krediti)","Independent earner tax credit at $68,000":"Kreditu IETC b’$68.000","Maximum ACC earners’ levy 2026–27":"Imposta ACC massima fuq il-qligħ 2026–27","NZ Super, single living alone, before tax (per fortnight)":"NZ Super, persuna waħedha li tgħix waħedha, qabel it-taxxa (kull ġimagħtejn)","Maximum KiwiSaver government contribution":"Kontribuzzjoni massima tal-gvern għall-KiwiSaver","Jobseeker Support, single 25+, before tax (per week)":"Jobseeker Support, persuna waħedha 25+, qabel it-taxxa (fil-ġimgħa)","Your pillar 3a":"Il-pilastru 3a tiegħek","Your KiwiSaver":"Il-KiwiSaver tiegħek","Zurich":"Zurich","Geneva":"Ġinevra","Vaud":"Vaud","Bern":"Berna","Basel-Stadt":"Basel-Stadt","Zurich has no transfer tax: notary and land registry fees (estimate, about 0.25%)":"Zurich m’għandhiex taxxa fuq it-trasferiment: miżati tan-nutar u tar-reġistru tal-art (stima, madwar 0,25%)","Geneva transfer duty 3%":"Taxxa fuq it-trasferiment ta’ Ġinevra 3%","Vaud transfer duty 2.2% plus the communal surcharge (Lausanne, 3.3% in total)":"Taxxa fuq it-trasferiment ta’ Vaud 2,2% flimkien mas-supplement komunali (Lausanne, 3,3% b’kollox)","Bern transfer tax 1.8% above the first CHF 800,000 (home you live in)":"Taxxa fuq it-trasferiment ta’ Berna 1,8% ’il fuq mill-ewwel CHF 800.000 (dar fejn tgħix)","Basel-Stadt transfer tax 3%, usually half paid by the buyer (estimate)":"Taxxa fuq it-trasferiment ta’ Basel-Stadt 3%, normalment nofsha mħallsa mix-xerrej (stima)","Notary and land registry (estimate, about 0.3%)":"Nutar u reġistru tal-art (stima, madwar 0,3%)","Mortgage note registration (estimate, about 0.2% of the loan)":"Reġistrazzjoni tan-nota ipotekarja (stima, madwar 0,2% tas-self)","Stamp duty 0.4% (first-time buyers; 0.8% otherwise) of the assessed value, here the price":"Taxxa tal-bolla 0,4% (l-ewwel xerrejja; inkella 0,8%) tal-valur stmat, hawn il-prezz","Stamp duty 0.8% of the assessed value, here the price":"Taxxa tal-bolla 0,8% tal-valur stmat, hawn il-prezz","Registration, loan fee and valuation (estimate)":"Reġistrazzjoni, miżata tas-self u valutazzjoni (stima)","No stamp duty: lawyer and conveyancing (estimate)":"L-ebda taxxa tal-bolla: avukat u trasferiment (stima)","LIM report and building inspection (estimate)":"Rapport LIM u spezzjoni tal-bini (stima)","Not modelled: mortgage interest is deductible, but the imputed rental value of the home is taxed as income (its abolition, approved in 2025, is not yet in force).":"Mhux ikkalkulat: l-imgħax tas-self tad-dar huwa deduċibbli, iżda l-valur tal-kera imputat tad-dar jiġi ntaxxat bħala dħul (it-tneħħija tiegħu, approvata fl-2025, għadha mhix fis-seħħ).","Not modelled: the income-tested interest allowance (vaxtabætur) refunds part of the interest for lower incomes and modest wealth.":"Mhux ikkalkulat: l-għajnuna fuq l-imgħax skont id-dħul (vaxtabætur) tirrifondi parti mill-imgħax lil dħul aktar baxx b’ġid modest.","No relief for a home you live in.":"L-ebda għajnuna għad-dar fejn tgħix.","Bank self-regulation recognised by FINMA: at least 20% own funds (10% not from the pension fund), the mortgage reduced to two thirds of the value within 15 years, and housing costs at an imputed 5% interest rate plus 1% upkeep and amortisation at most about one third of gross income.":"Awtoregolazzjoni tal-banek rikonoxxuta mill-FINMA: mill-inqas 20% fondi proprji (10% mhux mill-fond tal-pensjoni), is-self imnaqqas għal żewġ terzi tal-valur fi żmien 15-il sena, u l-ispejjeż tad-dar b’rata ta’ imgħax imputata ta’ 5% flimkien ma’ 1% manutenzjoni u l-ħlas lura l-aktar madwar terz tad-dħul gross.","Central Bank of Iceland: loans at most 80% of the value (85% for first-time buyers) and debt service at most 35% of disposable income (40% for first-time buyers), calculated at a minimum interest rate.":"Bank Ċentrali tal-Iżlanda: self l-aktar 80% tal-valur (85% għall-ewwel xerrejja) u servizz tad-dejn l-aktar 35% tad-dħul disponibbli (40% għall-ewwel xerrejja), ikkalkulat b’rata minima ta’ imgħax.","Reserve Bank of New Zealand: banks may make at most 20% of owner-occupier loans above 80% of the value, and at most 20% of them to borrowers whose total debt exceeds 6 times gross income.":"Reserve Bank of New Zealand: il-banek jistgħu jagħtu l-aktar 20% tas-self lil sidien li jgħixu fid-dar ’il fuq minn 80% tal-valur, u l-aktar 20% lil min jissellef li d-dejn totali tiegħu jaqbeż 6 darbiet id-dħul gross.","Public holidays on weekdays in 2026 (Zurich)":"Btajjel pubbliċi f’jiem tax-xogħol fl-2026 (Zurich)","Official public holidays on weekdays in 2026":"Btajjel pubbliċi uffiċjali f’jiem tax-xogħol fl-2026","Public holidays on weekdays in 2026 (with Mondayisation)":"Btajjel pubbliċi f’jiem tax-xogħol fl-2026 (biċ-ċaqliq għat-Tnejn)","Geneva transfer duty on a CHF 1,000,000 home":"Taxxa fuq it-trasferiment ta’ Ġinevra fuq dar ta’ CHF 1.000.000","Stamp duty on an ISK 80,000,000 home (not a first purchase)":"Taxxa tal-bolla fuq dar ta’ ISK 80.000.000 (mhux l-ewwel xiri)","The AHV pension uses your average pay in today’s money (the official revaluation factors are not applied) and the BVG part uses the legal minimum age credits and 1.25% interest; many pension funds insure more. Your official statements come from your AHV compensation office and your pension fund.":"Il-pensjoni AHV tuża l-paga medja tiegħek f’flus tal-lum (mingħajr il-fatturi uffiċjali ta’ rivalutazzjoni) u l-parti BVG il-krediti tal-età minimi legali b’1,25% imgħax; ħafna fondi tal-pensjoni jassiguraw aktar. Ir-rapporti uffiċjali tiegħek jiġu mill-uffiċċju tal-kumpens AHV u mill-fond tal-pensjoni tiegħek.","The pension-fund pension is estimated at about 1.8% of pay per contribution year; each fund has its own tables and your annual statement shows your accrued rights. The TR household supplement is not included.":"Il-pensjoni mill-fond hija stmata għal madwar 1,8% tal-paga għal kull sena ta’ kontribuzzjonijiet; kull fond għandu t-tabelli tiegħu u r-rapport annwali tiegħek juri d-drittijiet akkumulati. Is-supplement tad-dar tat-TR mhux inkluż.","KiwiSaver is projected with a 3% real return and drawn down evenly over your life expectancy; actual returns depend on your fund. NZ Super is shown at the rate for a single person living alone.":"Il-KiwiSaver huwa projettat b’redditu reali ta’ 3% u miġbud b’mod indaqs matul l-istennija tal-għomor tiegħek; ir-redditu attwali jiddependi mill-fond tiegħek. In-NZ Super tintwera bir-rata għal persuna waħedha li tgħix waħedha.","The number of daily allowances assumes your years of service are also your contribution years; waiting days and suspensions are not deducted.":"In-numru ta’ allowances ta’ kuljum jassumi li s-snin ta’ servizz tiegħek huma wkoll snin ta’ kontribuzzjonijiet; il-jiem ta’ stennija u s-sospensjonijiet ma jitnaqqsux.","Jobseeker Support is shown for 26 weeks before tax; it is income-tested, so your partner’s income can reduce or remove it.":"Il-Jobseeker Support jintwera għal 26 ġimgħa qabel it-taxxa; jiddependi mid-dħul, għalhekk id-dħul tal-imsieħeb tiegħek jista’ jnaqqsu jew ineħħih.","CPF employee contribution {p} (wages up to $8,000 a month)":"Kontribuzzjoni CPF tal-impjegat {p} (paga sa $8.000 fix-xahar)","Income tax (resident rates)":"Taxxa fuq id-dħul (rati għar-residenti)","Personal reliefs (CPF, earned income, children)":"Tnaqqisiet personali (CPF, dħul mix-xogħol, tfal)","Employer CPF {p} and Skills Development Levy":"CPF tal-impjegatur {p} u Skills Development Levy","Skills Development Levy (employer)":"Skills Development Levy (impjegatur)","CPF LIFE payout {p} a month from {a} (Standard Plan): your Retirement Account at 55 of about {r} (savings set aside up to the Full Retirement Sum of $220,400). The CPF Board estimates about $950 a month with the Basic Retirement Sum and $1,780 with the Full. Payouts start at 65 and rise for each year you defer them, up to 70. Savings used for housing are not in the account.":"Ħlas CPF LIFE {p} fix-xahar mill-{a} sena (Standard Plan): ir-Retirement Account tiegħek fil-55 ta’ madwar {r} (tfaddil imwarrab sal-Full Retirement Sum ta’ $220.400). Is-CPF jistma madwar $950 fix-xahar bil-Basic Retirement Sum u $1.780 bil-Full. Il-ħlasijiet jibdew fil-65 u jiżdiedu għal kull sena li tippospon, sas-70. It-tfaddil użat għad-dar mhux fil-kont.","MediSave contribution for the self-employed (up to 10.5% of net trade income)":"Kontribuzzjoni MediSave għal min jaħdem għal rasu (sa 10,5% tad-dħul nett mill-kummerċ)","1 day":"Jum","Retrenchment benefit (customary 2 weeks’ pay per year of service; not taxed)":"Benefiċċju tar-redundancy (normalment ġimagħtejn paga għal kull sena servizz; mhux intaxxat)","SkillsFuture Jobseeker Support: up to $6,000 over 6 months for involuntarily unemployed residents who earned up to $5,000 a month, paid while you take part in job search and training activities":"SkillsFuture Jobseeker Support: sa $6.000 fuq 6 xhur għal residenti qiegħda involontarjament li kienu jaqilgħu sa $5.000 fix-xahar, imħallas waqt li tieħu sehem f’attivitajiet ta’ tfittxija ta’ xogħol u taħriġ","Employment Act s. 10 (unless the contract says otherwise)":"Employment Act s. 10 (sakemm il-kuntratt ma jgħidx mod ieħor)","Chinese New Year":"Is-Sena l-Ġdida Ċiniża","Chinese New Year (2nd day)":"Is-Sena l-Ġdida Ċiniża (it-tieni jum)","Vesak Day":"Vesak","Singapore":"Singapor","Singapore citizen or permanent resident (pays CPF)":"Ċittadin jew resident permanenti ta’ Singapor (iħallas is-CPF)","Tax residents pay progressive rates from 0% on the first $20,000 of chargeable income to 24% above $1 million. Reliefs are deducted first: your CPF contributions, the earned income relief ($1,000 under 55) and $4,000 for each qualifying child, up to $80,000 in total. Tax is paid once a year on the previous year’s income; it is not withheld from pay.":"Ir-residenti għall-finijiet tat-taxxa jħallsu rati progressivi minn 0% fuq l-ewwel $20.000 ta’ dħul taxxabbli sa 24% ’il fuq minn $1 miljun. L-ewwel jitnaqqsu t-tnaqqisiet: il-kontribuzzjonijiet CPF tiegħek, it-tnaqqis għad-dħul mix-xogħol ($1.000 taħt il-55) u $4.000 għal kull tifel, sa $80.000 b’kollox. It-taxxa titħallas darba fis-sena fuq id-dħul tas-sena ta’ qabel; ma titnaqqasx mill-paga.","Citizens and permanent residents pay 20% of wages into the Central Provident Fund and employers 17% (up to age 55; lower rates after), on wages up to $8,000 a month from 2026 and $102,000 a year including bonuses. The money goes to the Ordinary, Special/Retirement and MediSave accounts for housing, retirement and health care. Foreigners pay no CPF.":"Iċ-ċittadini u r-residenti permanenti jħallsu 20% tal-paga fil-Central Provident Fund u l-impjegaturi 17% (sal-55; rati aktar baxxi wara), fuq paga sa $8.000 fix-xahar mill-2026 u $102.000 fis-sena inklużi l-bonusijiet. Il-flus imorru fil-kontijiet Ordinary, Special/Retirement u MediSave għad-dar, l-irtirar u s-saħħa. Il-barranin ma jħallsux CPF.","Employment Act Part IV":"Employment Act Parti IV","Workmen earning up to $4,500 a month and other employees earning up to $2,600 must be paid at least 1.5 times the hourly basic rate for overtime, and double pay for work on a rest day at the employer’s request. Overtime is limited to 72 hours a month and 12 working hours a day. Higher earners follow their contract.":"Il-ħaddiema li jaqilgħu sa $4.500 fix-xahar u impjegati oħra sa $2.600 għandhom jitħallsu mill-inqas 1,5 darbiet ir-rata bażika fis-siegħa għas-sahra, u d-doppju għax-xogħol f’jum ta’ mistrieħ fuq talba tal-impjegatur. Is-sahra hija limitata għal 72 siegħa fix-xahar u 12-il siegħa xogħol kuljum. Min jaqla’ aktar isegwi l-kuntratt tiegħu.","72 h / month, 12 h / day":"72 siegħa / xahar, 12-il siegħa / jum","Self-employed people earning more than $6,000 of net trade income a year must pay MediSave contributions (up to 10.5% by age, on income up to $96,000) and pay income tax at the resident rates. Paying into the CPF Ordinary and Special accounts is voluntary. GST registration is required above $1 million of turnover.":"Min jaħdem għal rasu u jaqla’ aktar minn $6.000 ta’ dħul nett mill-kummerċ fis-sena għandu jħallas kontribuzzjonijiet MediSave (sa 10,5% skont l-età, fuq dħul sa $96.000) u taxxa fuq id-dħul bir-rati tar-residenti. Il-ħlas fil-kontijiet CPF Ordinary u Special huwa volontarju. Ir-reġistrazzjoni tal-GST hija meħtieġa ’l fuq minn $1 miljun ta’ dħul mill-bejgħ.","At 55 your CPF savings form a Retirement Account (in 2026 the Basic Retirement Sum is $110,200, the Full $220,400 and the Enhanced $440,800). From 65 CPF LIFE pays a monthly income for life: the CPF Board estimates about $950 with the Basic, $1,780 with the Full and $3,440 with the Enhanced Retirement Sum (Standard Plan); starting later, up to 70, raises the payout. There is no other state pension.":"Fil-55 it-tfaddil CPF tiegħek jifforma Retirement Account (fl-2026 il-Basic Retirement Sum hija $110.200, il-Full $220.400 u l-Enhanced $440.800). Mill-65 is-CPF LIFE iħallas dħul fix-xahar għal ħajjitek: is-CPF jistma madwar $950 bil-Basic, $1.780 bil-Full u $3.440 bl-Enhanced Retirement Sum (Standard Plan); jekk tibda aktar tard, sas-70, il-ħlas jiżdied. M’hemmx pensjoni oħra tal-istat.","From 1 July 2026 employers may not make workers retire before 64 and must offer re-employment up to 69 to eligible workers.":"Mill-1 ta’ Lulju 2026 l-impjegaturi ma jistgħux jirtiraw ħaddiema qabel l-64 u għandhom joffru impjieg mill-ġdid sad-69 lill-ħaddiema eliġibbli.","Supplementary Retirement Scheme (SRS) contributions are deductible up to $15,300 a year for citizens and permanent residents ($35,700 for foreigners). Withdrawals from the statutory retirement age are 50% taxable; topping up your own CPF Retirement Account also gives up to $8,000 of tax relief.":"Il-kontribuzzjonijiet għas-Supplementary Retirement Scheme (SRS) huma deduċibbli sa $15.300 fis-sena għaċ-ċittadini u r-residenti permanenti ($35.700 għall-barranin). Il-ġbid mill-età statutorja tal-irtirar huwa taxxabbli 50%; iż-żieda fir-Retirement Account CPF tiegħek tagħti wkoll sa $8.000 tnaqqis.","Supplementary Retirement Scheme (SRS): contributions are tax-deductible and only half of each withdrawal from the statutory retirement age is taxed (about 5% used here). Interest from Singapore banks is tax-free for individuals.":"Supplementary Retirement Scheme (SRS): il-kontribuzzjonijiet huma deduċibbli u nofs biss ta’ kull ġbid mill-età statutorja tal-irtirar jiġi ntaxxat (hawn madwar 5%). L-imgħax mill-banek ta’ Singapor huwa ħieles mit-taxxa għall-individwi.","{h} (day in lieu)":"{h} (jum minflok)","Employees covered by the Employment Act get 7 days of paid annual leave in the first year, rising by 1 day a year to 14 days from the 8th year, plus 11 public holidays (a holiday on a Sunday moves to Monday). Lunar holidays are shown for the years the Ministry of Manpower has published.":"L-impjegati koperti mill-Employment Act jieħdu 7 ijiem leave annwali mħallas fl-ewwel sena, li jiżdiedu b’jum fis-sena sa 14-il jum mit-8 sena, flimkien ma’ 11-il btala pubblika (btala nhar ta’ Ħadd tiċċaqlaq għat-Tnejn). Il-btajjel lunari jintwerew għas-snin li ppubblika l-Ministeru tal-Manpower.","16 weeks (citizen child)":"16-il ġimgħa (tifel ċittadin)","Full pay, government-paid up to $10,000 per 4 weeks":"Paga sħiħa, imħallsa mill-gvern sa $10.000 kull 4 ġimgħat","Full pay, government-paid up to $2,500 a week":"Paga sħiħa, imħallsa mill-gvern sa $2.500 fil-ġimgħa","10 weeks to share for children born from 1 April 2026":"10 ġimgħat biex jinqasmu għal tfal imwielda mill-1 ta’ April 2026","14 days outpatient and 60 days in hospital a year (after 6 months of service)":"14-il jum outpatient u 60 jum fl-isptar fis-sena (wara 6 xhur servizz)","Retrenched or dismissed":"Redundant jew imkeċċi","Notice and retrenchment":"Notifika u redundancy","Unless the contract sets otherwise, notice is 1 day under 26 weeks of service, 1 week up to 2 years, 2 weeks up to 5 years and 4 weeks after. The law sets no retrenchment benefit; under the tripartite guidelines employees with at least 2 years of service usually receive 2 weeks to 1 month of pay per year of service.":"Sakemm il-kuntratt ma jgħidx mod ieħor, in-notifika hija jum taħt 26 ġimgħa servizz, ġimgħa sa sentejn, ġimagħtejn sa 5 snin u 4 ġimgħat wara. Il-liġi ma tistabbilixxi l-ebda benefiċċju tar-redundancy; skont il-linji gwida tripartiti, l-impjegati b’mill-inqas sentejn servizz normalment jieħdu minn ġimagħtejn sa xahar paga għal kull sena servizz.","Jobseeker support":"Appoġġ għal min ifittex xogħol","There is no unemployment insurance. Since April 2025 the SkillsFuture Jobseeker Support scheme pays involuntarily unemployed citizens and permanent residents who earned up to $5,000 a month up to $6,000 over 6 months, linked to job search and training activities.":"M’hemmx assigurazzjoni kontra l-qgħad. Minn April 2025 l-iskema SkillsFuture Jobseeker Support tħallas liċ-ċittadini u r-residenti permanenti qiegħda involontarjament li kienu jaqilgħu sa $5.000 fix-xahar sa $6.000 fuq 6 xhur, marbuta ma’ tfittxija ta’ xogħol u taħriġ.","Topping up your own CPF Retirement Account in cash gives up to $8,000 of tax relief a year and raises your CPF LIFE payouts.":"Iż-żieda bi flus kontanti fir-Retirement Account CPF tiegħek tagħti sa $8.000 tnaqqis tat-taxxa fis-sena u żżid il-ħlasijiet CPF LIFE tiegħek.","The Baby Bonus, the Child Development Account and other family grants are not included. The qualifying child relief of $4,000 per child is applied to the parent claiming it.":"Il-Baby Bonus, iċ-Child Development Account u għotjiet oħra tal-familja mhumiex inklużi. It-tnaqqis ta’ $4.000 għal kull tifel jiġi applikat għall-ġenitur li jitolbu.","Customary 2 weeks–1 month per year (not statutory)":"Normalment ġimagħtejn–xahar fis-sena (mhux statutorju)","Up to $6,000 over 6 months":"Sa $6.000 fuq 6 xhur","16 weeks at full pay":"16-il ġimgħa b’paga sħiħa","4 weeks at full pay":"4 ġimgħat b’paga sħiħa","10 weeks shared (from April 2026)":"10 ġimgħat maqsuma (minn April 2026)","14 days outpatient at 100%":"14-il jum outpatient b’100%","Annual CPF and resident income tax for one employee with the 2026 CPF rates and the YA 2027 tax rates, with the CPF, earned income and child reliefs only. Income tax rebates announced in a Budget, other reliefs, non-resident rates, bonuses above the annual wage ceiling and the CPF rates for the first two years of permanent residence are not modelled.":"CPF annwali u taxxa fuq id-dħul tar-residenti għal impjegat wieħed bir-rati CPF tal-2026 u r-rati tat-taxxa YA 2027, bit-tnaqqisiet tas-CPF, tad-dħul mix-xogħol u tat-tfal biss. Ir-rifużjonijiet tat-taxxa mħabbra fil-Baġit, tnaqqisiet oħra, ir-rati għal min mhux resident, bonusijiet ’il fuq mil-limitu annwali u r-rati CPF tal-ewwel sentejn ta’ residenza permanenti mhumiex ikkalkulati.","Official sources: Inland Revenue Authority of Singapore (resident tax rates, reliefs, SRS), CPF Board (contribution rates and wage ceilings 2026, retirement sums and CPF LIFE payout estimates), Ministry of Manpower (Employment Act, public holidays 2026, retirement and re-employment ages, leave schemes), Workforce Singapore (SkillsFuture Jobseeker Support), Monetary Authority of Singapore (loan-to-value and TDSR rules), Singapore Department of Statistics (inflation, life expectancy), World Bank ICP (price levels).":"Sorsi uffiċjali: Inland Revenue Authority of Singapore (rati tar-residenti, tnaqqisiet, SRS), CPF Board (rati tal-kontribuzzjoni u limiti tal-paga 2026, retirement sums u stimi CPF LIFE), Ministeru tal-Manpower (Employment Act, btajjel pubbliċi 2026, età tal-irtirar u tal-impjieg mill-ġdid, skemi tal-leave), Workforce Singapore (SkillsFuture Jobseeker Support), Monetary Authority of Singapore (regoli tas-self mal-valur u TDSR), Dipartiment tal-Istatistika ta’ Singapor (inflazzjoni, stennija tal-għomor), Bank Dinji ICP (livelli tal-prezzijiet).","Resident income tax on $80,000 of chargeable income":"Taxxa fuq id-dħul tar-residenti fuq $80.000 ta’ dħul taxxabbli","Resident income tax on $320,000 of chargeable income":"Taxxa fuq id-dħul tar-residenti fuq $320.000 ta’ dħul taxxabbli","Maximum monthly employee CPF (age 55 and below)":"CPF massimu fix-xahar tal-impjegat (55 sena jew inqas)","Employer CPF rate, age above 55 to 60":"Rata CPF tal-impjegatur, ’il fuq minn 55 sa 60 sena","CPF LIFE payout with the Full Retirement Sum (per month)":"Ħlas CPF LIFE bil-Full Retirement Sum (fix-xahar)","SRS contribution cap for citizens and permanent residents":"Limitu tal-kontribuzzjoni SRS għaċ-ċittadini u r-residenti permanenti","Notice after 3 years of service (weeks)":"Notifika wara 3 snin servizz (ġimgħat)","Retirement fund {p} (tax-deductible)":"Fond tal-irtirar {p} (deduċibbli)","Unemployment Insurance Fund (UIF) 1%":"Fond tal-Assigurazzjoni kontra l-Qgħad (UIF) 1%","Income tax (PAYE) after the rebate":"Taxxa fuq id-dħul (PAYE) wara r-rebate","Tax rebate (age {a})":"Rebate tat-taxxa (età {a})","Employer UIF 1%, Skills Development Levy 1% and retirement fund (same as yours)":"UIF tal-impjegatur 1%, Skills Development Levy 1% u fond tal-irtirar (l-istess bħal tiegħek)","Retirement fund annuity {a} a month from savings of about {b} (your and your employer’s contributions of {p} each, 3% real return){g}. South Africa has no contributory state pension; the Older Person’s Grant is means-tested.":"Annwalità mill-fond tal-irtirar {a} fix-xahar minn tfaddil ta’ madwar {b} (il-kontribuzzjonijiet tiegħek u tal-impjegatur ta’ {p} kull wieħed, redditu reali ta’ 3%){g}. L-Afrika t’Isfel m’għandhiex pensjoni tal-istat kontributorja; l-Older Person’s Grant hija soġġetta għal test tal-mezzi.",", plus the Older Person’s Grant of {o}":", flimkien mal-Older Person’s Grant ta’ {o}","No UIF for the self-employed":"L-ebda UIF għal min jaħdem għal rasu","Severance pay (1 week per completed year of service; first R550,000 tax-free)":"Ħlas tas-severance (ġimgħa għal kull sena sħiħa ta’ servizz; l-ewwel R550.000 ħielsa mit-taxxa)","UIF benefit of about {a} a day ({p} of your daily pay) for {n} days (1 day for every 4 days worked, at most 365; after 238 days the rate drops to 20%)":"Benefiċċju UIF ta’ madwar {a} kuljum ({p} tal-paga ta’ kuljum tiegħek) għal {n} jum (jum għal kull 4 ijiem maħduma, l-aktar 365; wara 238 jum ir-rata tinżel għal 20%)","Basic Conditions of Employment Act s. 37":"Basic Conditions of Employment Act s. 37","South Africa":"L-Afrika t’Isfel","Retirement fund contribution % (pension or provident fund)":"Kontribuzzjoni għall-fond tal-irtirar % (pension jew provident fund)","Include the Older Person’s Grant (means-tested)":"Inkludi l-Older Person’s Grant (bit-test tal-mezzi)","Taxable income is taxed at 18% up to R245,100, rising through 26%, 31%, 36%, 39% and 41% to 45% above R1,878,600; the brackets and rebates were raised for inflation in the 2026 Budget. Everyone gets a primary rebate of R17,820 (more from 65 and 75), so income up to R99,000 is tax-free. Retirement fund contributions are deductible up to 27.5% of income, at most R350,000 a year.":"Id-dħul taxxabbli jiġi ntaxxat b’18% sa R245.100, u jitla’ għal 26%, 31%, 36%, 39% u 41% sa 45% ’il fuq minn R1.878.600; il-faxex u r-rebates żdiedu skont l-inflazzjoni fil-Baġit tal-2026. Kulħadd jieħu rebate primarja ta’ R17.820 (aktar mill-65 u l-75), għalhekk dħul sa R99.000 huwa ħieles mit-taxxa. Il-kontribuzzjonijiet għall-fondi tal-irtirar huma deduċibbli sa 27,5% tad-dħul, l-aktar R350.000 fis-sena.","UIF and levies":"UIF u imposti","Employees and employers each pay 1% to the Unemployment Insurance Fund on pay up to R17,712 a month; employers also pay the 1% Skills Development Levy. There is no state pension contribution: many employers run a pension or provident fund (often 7.5% each), which is assumed here.":"L-impjegati u l-impjegaturi jħallsu kull wieħed 1% lill-Fond tal-Assigurazzjoni kontra l-Qgħad fuq paga sa R17.712 fix-xahar; l-impjegaturi jħallsu wkoll l-1% Skills Development Levy. M’hemmx kontribuzzjoni għal pensjoni tal-istat: ħafna impjegaturi għandhom pension jew provident fund (spiss 7,5% kull wieħed), li hawn huwa assunt.","Basic Conditions of Employment Act":"Basic Conditions of Employment Act","For employees earning below the BCEA earnings threshold, overtime is paid at 1.5 times the normal wage and limited to 10 hours a week (normal hours at most 45 a week). Work on a Sunday is paid double (1.5 times if you normally work Sundays) and work on a public holiday double.":"Għall-impjegati taħt il-limitu tal-qligħ tal-BCEA, is-sahra titħallas 1,5 darbiet il-paga normali u hija limitata għal 10 sigħat fil-ġimgħa (sigħat normali l-aktar 45 fil-ġimgħa). Ix-xogħol nhar ta’ Ħadd jitħallas doppju (1,5 darbiet jekk normalment taħdem il-Ħadd) u x-xogħol f’btala pubblika doppju.","10 h / week (45-hour normal week)":"10 sigħat / ġimgħa (ġimgħa normali ta’ 45 siegħa)","Sole proprietors pay income tax on their profit (through provisional tax twice a year) with the same rates and rebates, and do not contribute to UIF. A small business with turnover up to R1 million can choose turnover tax instead (not modelled). VAT registration is required above R2.3 million of taxable supplies.":"Is-sidien uniċi jħallsu taxxa fuq id-dħul fuq il-profitt (permezz ta’ taxxa provviżorja darbtejn fis-sena) bl-istess rati u rebates u ma jikkontribwixxux għall-UIF. Negozju żgħir b’dħul mill-bejgħ sa R1 miljun jista’ jagħżel minflok it-taxxa fuq id-dħul mill-bejgħ (mhux ikkalkulata). Ir-reġistrazzjoni tal-VAT hija meħtieġa ’l fuq minn R2,3 miljun ta’ provvisti taxxabbli.","Retirement funds":"Fondi tal-irtirar","Retirement income comes mainly from employer pension and provident funds and retirement annuities. Since the two-pot system (September 2024) a third of new contributions goes to a savings pot that can be withdrawn early and two thirds to a retirement pot that must buy an annuity at retirement (usually 55 to 65).":"Id-dħul tal-irtirar ġej l-aktar minn pension u provident funds tal-impjegaturi u minn annwalitajiet tal-irtirar. Mis-sistema taż-żewġ qwiel (Settembru 2024) terz tal-kontribuzzjonijiet il-ġodda jmur f’qasba tat-tfaddil li tista’ tinġibed kmieni u żewġ terzi f’qasba tal-irtirar li għandha tixtri annwalità fl-irtirar (normalment bejn il-55 u l-65).","Older Person’s Grant":"Older Person’s Grant","From 60, SASSA pays a means-tested grant of up to R2,400 a month (R2,420 from 75) from April 2026 to people whose income and assets are below set limits.":"Mis-60, is-SASSA tħallas minn April 2026 għotja soġġetta għal test tal-mezzi sa R2.400 fix-xahar (R2.420 mill-75) lil min għandu dħul u assi taħt limiti stabbiliti.","Retirement annuity and fund contributions are deductible up to 27.5% of income, at most R350,000 a year ({l} for you), including your employer’s contributions. A tax-free savings account gives no deduction but tax-free growth.":"Il-kontribuzzjonijiet għal annwalitajiet tal-irtirar u fondi huma deduċibbli sa 27,5% tad-dħul, l-aktar R350.000 fis-sena ({l} għalik), inklużi l-kontribuzzjonijiet tal-impjegatur. Kont tat-tfaddil ħieles mit-taxxa ma jagħtix tnaqqis iżda tkabbir ħieles mit-taxxa.","Retirement annuity (RA): contributions are deductible and growth is tax-free; at retirement up to a third of the retirement pot can be taken in cash and the rest buys a taxable annuity (about 20% tax used here). Interest above the yearly exemption is taxed at your marginal rate.":"Annwalità tal-irtirar (RA): il-kontribuzzjonijiet huma deduċibbli u t-tkabbir huwa ħieles mit-taxxa; fl-irtirar sa terz tal-qasba tal-irtirar jista’ jittieħed bi flus kontanti u l-bqija jixtri annwalità taxxabbli (hawn madwar 20% taxxa). L-imgħax ’il fuq mill-eżenzjoni annwali jiġi ntaxxat bir-rata marġinali tiegħek.","Human Rights Day":"Jum id-Drittijiet tal-Bniedem","Workers’ Day":"Jum il-Ħaddiema","Youth Day":"Jum iż-Żgħażagħ","National Women’s Day":"Jum Nazzjonali tan-Nisa","Day of Reconciliation":"Jum ir-Rikonċiljazzjoni","Day of Goodwill":"Jum ir-Rieda t-Tajba","{h} (observed)":"{h} (osservat)","The BCEA gives 21 consecutive days of annual leave a year (15 working days on a 5-day week), plus 12 public holidays; a holiday on a Sunday moves to Monday. Sick leave is 30 days over each 3-year cycle and family responsibility leave 3 days a year.":"Il-BCEA jagħti 21 jum konsekuttiv ta’ leave annwali fis-sena (15-il jum tax-xogħol f’ġimgħa ta’ 5 ijiem), flimkien ma’ 12-il btala pubblika; btala nhar ta’ Ħadd tiċċaqlaq għat-Tnejn. Il-leave tal-mard huwa 30 jum f’kull ċiklu ta’ 3 snin u l-leave għar-responsabbiltajiet tal-familja 3 ijiem fis-sena.","4 consecutive months":"4 xhur konsekuttivi","Unpaid by the employer; UIF pays up to 66% of pay (sliding scale)":"Mhux imħallas mill-impjegatur; l-UIF iħallas sa 66% tal-paga (skala varjabbli)","10 consecutive days for the other parent (the rules are being changed after a 2025 court ruling)":"10 ijiem konsekuttivi għall-ġenitur l-ieħor (ir-regoli qed jinbidlu wara deċiżjoni tal-qorti tal-2025)","UIF benefit (sliding scale)":"Benefiċċju UIF (skala varjabbli)","Child Support Grant":"Child Support Grant","Monthly per child, from SASSA":"Kull xahar għal kull tifel, mis-SASSA","Means-tested, not included here":"Bit-test tal-mezzi, mhux inkluż hawn","30 days in each 3-year cycle (5-day week)":"30 jum f’kull ċiklu ta’ 3 snin (ġimgħa ta’ 5 ijiem)","Retrenched (operational requirements)":"Redundant (rekwiżiti operazzjonali)","Dismissed for misconduct or incapacity":"Imkeċċi għal kondotta ħażina jew inkapaċità","Notice is 1 week in the first 6 months, 2 weeks up to 1 year and 4 weeks after (it can be paid instead of worked). An employee dismissed for operational requirements (retrenchment) is owed severance pay of at least 1 week’s pay for each completed year of service. The first R550,000 of severance benefits over your lifetime is tax-free.":"In-notifika hija ġimgħa fl-ewwel 6 xhur, ġimagħtejn sa sena u 4 ġimgħat wara (tista’ titħallas minflok tinħadem). Impjegat imkeċċi għal rekwiżiti operazzjonali (redundancy) għandu jedd għal ħlas tas-severance ta’ mill-inqas ġimgħa paga għal kull sena sħiħa ta’ servizz. L-ewwel R550.000 tal-benefiċċji tas-severance matul ħajtek huma ħielsa mit-taxxa.","UIF benefits":"Benefiċċji UIF","Contributors who lose their job (not by resigning) get 38% to 60% of their daily pay, on pay up to R17,712 a month, with 1 day of benefit for every 4 days worked, at most 365 days in 4 years; after 238 days the rate drops to 20%.":"Il-kontributuri li jitilfu x-xogħol (mhux billi jirriżenjaw) jieħdu 38% sa 60% tal-paga ta’ kuljum tagħhom, fuq paga sa R17.712 fix-xahar, b’jum benefiċċju għal kull 4 ijiem maħduma, l-aktar 365 jum f’4 snin; wara 238 jum ir-rata tinżel għal 20%.","Retirement annuity contributions lower your tax at your marginal rate, up to 27.5% of your income.":"Il-kontribuzzjonijiet għal annwalità tal-irtirar inaqqsu t-taxxa tiegħek bir-rata marġinali, sa 27,5% tad-dħul tiegħek.","The Child Support Grant is means-tested and not included. Medical scheme tax credits are not modelled. Each person is taxed individually.":"Iċ-Child Support Grant hija soġġetta għal test tal-mezzi u mhix inkluża. Il-krediti tat-taxxa tal-iskemi mediċi mhumiex ikkalkulati. Kull persuna tiġi ntaxxata individwalment.","1 week per year of service":"Ġimgħa għal kull sena servizz","4 months, UIF up to 66%":"4 xhur, UIF sa 66%","10 days (UIF)":"10 ijiem (UIF)","Being reformed after a 2025 ruling":"Qed jiġi rriformat wara deċiżjoni tal-2025","30 days per 3 years at 100%":"30 jum kull 3 snin b’100%","Annual PAYE, UIF and an assumed retirement fund contribution for one employee with the 2026–27 SARS tables and rebates. Medical scheme fees and credits, travel allowances, the turnover tax and the two-pot savings withdrawals are not modelled.":"PAYE annwali, UIF u kontribuzzjoni assunta għal fond tal-irtirar għal impjegat wieħed bit-tabelli u r-rebates tas-SARS tal-2026–27. Il-miżati u l-krediti tal-iskemi mediċi, l-allowances tal-ivvjaġġar, it-taxxa fuq id-dħul mill-bejgħ u l-ġbid mill-qasba tat-tfaddil mhumiex ikkalkulati.","Official sources: South African Revenue Service (rates of tax for individuals 2027, rebates, transfer duty, retirement lump-sum tables), Department of Employment and Labour (Basic Conditions of Employment Act, Unemployment Insurance Act and UIF), SASSA (grant amounts April 2026), National Treasury (Budget 2026), Statistics South Africa (inflation), World Bank ICP (price levels), UN World Population Prospects (life expectancy).":"Sorsi uffiċjali: South African Revenue Service (rati tat-taxxa għall-individwi 2027, rebates, taxxa fuq it-trasferiment, tabelli tal-ammonti f’daqqa tal-irtirar), Dipartiment tal-Impjiegi u x-Xogħol (Basic Conditions of Employment Act, Unemployment Insurance Act u UIF), SASSA (ammonti tal-għotjiet April 2026), National Treasury (Baġit 2026), Statistics South Africa (inflazzjoni), Bank Dinji ICP (livelli tal-prezzijiet), NU World Population Prospects (stennija tal-għomor).","Tax before rebates on R400,000 of taxable income":"Taxxa qabel ir-rebates fuq R400.000 ta’ dħul taxxabbli","Tax threshold below 65 (no tax up to)":"Limitu tat-taxxa taħt il-65 (mingħajr taxxa sa)","Maximum monthly employee UIF contribution":"Kontribuzzjoni UIF massima fix-xahar tal-impjegat","UIF benefit rate at the earnings ceiling":"Rata tal-benefiċċju UIF fil-limitu tal-qligħ","Tax on a R700,000 severance benefit":"Taxxa fuq benefiċċju tas-severance ta’ R700.000","CNSS social benefits 4.48% (pay up to MAD 6,000 a month)":"CNSS benefiċċji soċjali 4,48% (paga sa MAD 6.000 fix-xahar)","Loss-of-job allowance (IPE) 0.19%":"Allowance għat-telf tax-xogħol (IPE) 0,19%","Compulsory health insurance (AMO) 2.26%":"Assigurazzjoni obbligatorja tas-saħħa (AMO) 2,26%","Income tax (IR) after professional expenses and family charges":"Taxxa fuq id-dħul (IR) wara l-ispejjeż professjonali u l-piżijiet tal-familja","Professional expenses deducted (35% or 25%, at most MAD 35,000)":"Spejjeż professjonali mnaqqsa (35% jew 25%, l-aktar MAD 35.000)","Employer CNSS 8.98%, IPE 0.38%, AMO 4.11%, family allowances 6.4% and vocational training 1.6%":"CNSS tal-impjegatur 8,98%, IPE 0,38%, AMO 4,11%, allowances tal-familja 6,4% u taħriġ vokazzjonali 1,6%","CNSS old-age pension {g} a month: {p} of your average pay over the last 8 years, counted up to MAD 6,000 a month ({d} contribution days; 3,240 days give 50%, each extra 216 days add 1%, up to 70%). Pay above MAD 6,000 is not insured; many employers add a supplementary pension (CIMR). Estimate.":"Pensjoni tax-xjuħija CNSS {g} fix-xahar: {p} tal-paga medja tiegħek fl-aħħar 8 snin, magħduda sa MAD 6.000 fix-xahar ({d} jum ta’ kontribuzzjonijiet; 3.240 jum jagħtu 50%, kull 216-il jum żejda jżidu 1%, sa 70%). Il-paga ’l fuq minn MAD 6.000 mhix assigurata; ħafna impjegaturi jżidu pensjoni supplimentari (CIMR). Stima.","Health insurance for the self-employed (AMO-TNS) not included":"Assigurazzjoni tas-saħħa għal min jaħdem għal rasu (AMO-TNS) mhux inkluża","8 days":"8 ijiem","Dismissal indemnity (Labour Code art. 53; tax-free within the legal limits)":"Indennizz għat-tkeċċija (Kodiċi tax-Xogħol art. 53; ħieles mit-taxxa fil-limiti legali)","Loss-of-job allowance (IPE) of {a} a month for 6 months: 70% of your average pay, at most the minimum wage (MAD 3,422.72); it needs 780 contribution days in the last 3 years":"Allowance għat-telf tax-xogħol (IPE) ta’ {a} fix-xahar għal 6 xhur: 70% tal-paga medja tiegħek, l-aktar il-paga minima (MAD 3.422,72); teħtieġ 780 jum ta’ kontribuzzjonijiet fl-aħħar 3 snin","{h} hours of pay per year":"{h} siegħa paga fis-sena","Decree 2-04-469 (employees and workers; managers 1 to 3 months)":"Digriet 2-04-469 (impjegati u ħaddiema; maniġers 1 sa 3 xhur)","Eid al-Fitr (estimate)":"Eid al-Fitr (stima)","Eid al-Fitr, 2nd day (estimate)":"Eid al-Fitr, it-tieni jum (stima)","Eid al-Adha (estimate)":"Eid al-Adha (stima)","Eid al-Adha, 2nd day (estimate)":"Eid al-Adha, it-tieni jum (stima)","Islamic New Year (estimate)":"Is-Sena l-Ġdida Iżlamika (stima)","Prophet’s Birthday (estimate)":"Għeluq Snin il-Profeta (stima)","Prophet’s Birthday, 2nd day (estimate)":"Għeluq Snin il-Profeta, it-tieni jum (stima)","Morocco":"Il-Marokk","Spouse without income (family charge)":"Konjuġi mingħajr dħul (piż tal-familja)","Income tax (IR) 2026":"Taxxa fuq id-dħul (IR) 2026","After CNSS and AMO contributions and professional expenses (35% of gross pay up to MAD 78,000 a year, otherwise 25%, at most MAD 35,000), income is taxed at 0% up to MAD 40,000, then 10%, 20%, 30%, 34% and 37% above MAD 180,000 (the 2025 Finance Act scale). Each dependant (spouse and children, up to 6) reduces the tax by MAD 500 a year.":"Wara l-kontribuzzjonijiet CNSS u AMO u l-ispejjeż professjonali (35% tal-paga gross sa MAD 78.000 fis-sena, inkella 25%, l-aktar MAD 35.000), id-dħul jiġi ntaxxat b’0% sa MAD 40.000, imbagħad 10%, 20%, 30%, 34% u 37% ’il fuq minn MAD 180.000 (skala tal-Att Finanzjarju 2025). Kull dipendent (konjuġi u tfal, sa 6) inaqqas it-taxxa b’MAD 500 fis-sena.","CNSS and AMO":"CNSS u AMO","Employees pay 4.48% for social benefits (pensions, sickness, maternity) and 0.19% for the loss-of-job allowance on pay up to MAD 6,000 a month, and 2.26% for compulsory health insurance (AMO) on all pay. Employers pay 8.98% and 0.38% up to the ceiling, 4.11% AMO, 6.4% family allowances and 1.6% vocational training tax. The minimum wage is MAD 17.92 an hour from January 2026.":"L-impjegati jħallsu 4,48% għall-benefiċċji soċjali (pensjonijiet, mard, maternità) u 0,19% għall-allowance għat-telf tax-xogħol fuq paga sa MAD 6.000 fix-xahar, u 2,26% għall-assigurazzjoni obbligatorja tas-saħħa (AMO) fuq il-paga kollha. L-impjegaturi jħallsu 8,98% u 0,38% sal-limitu, 4,11% AMO, 6,4% allowances tal-familja u 1,6% taxxa għat-taħriġ vokazzjonali. Il-paga minima hija MAD 17,92 fis-siegħa minn Jannar 2026.","Overtime is paid 25% extra between 6:00 and 21:00 and 50% extra at night, rising to 50% and 100% on the weekly rest day. The normal week is 44 hours (2,288 hours a year) and overtime is limited by decree, generally to 100 hours a year.":"Is-sahra titħallas 25% żejda bejn is-6:00 u d-21:00 u 50% żejda bil-lejl, u 50% u 100% fil-jum ta’ mistrieħ ta’ kull ġimgħa. Il-ġimgħa normali hija ta’ 44 siegħa (2.288 siegħa fis-sena) u s-sahra hija limitata b’digriet, ġeneralment għal 100 siegħa fis-sena.","About 100 h / year":"Madwar 100 siegħa / sena","Auto-entrepreneur":"Auto-entrepreneur","Under the auto-entrepreneur status, service providers pay 1% of turnover (0.5% for trade and crafts) instead of income tax, up to MAD 200,000 of turnover for services; above that, profit is taxed with the ordinary scale. Health insurance for the self-employed (AMO-TNS) is extra.":"Taħt l-istatus ta’ auto-entrepreneur, il-fornituri tas-servizzi jħallsu 1% tad-dħul mill-bejgħ (0,5% għall-kummerċ u s-snajja’) minflok it-taxxa fuq id-dħul, sa MAD 200.000 ta’ dħul mis-servizzi; ’il fuq minn hekk, il-profitt jiġi ntaxxat bl-iskala ordinarja. L-assigurazzjoni tas-saħħa għal min jaħdem għal rasu (AMO-TNS) hija żejda.","CNSS old-age pension":"Pensjoni tax-xjuħija CNSS","Private-sector employees can retire at 60 with at least 3,240 days of contributions. The pension is 50% of the average monthly pay of the last 96 months (counted up to MAD 6,000), plus 1% for each 216 additional days, up to 70%. Workers with fewer days get their contributions back. A pension reform is under discussion.":"L-impjegati tas-settur privat jistgħu jirtiraw fis-60 b’mill-inqas 3.240 jum ta’ kontribuzzjonijiet. Il-pensjoni hija 50% tal-paga medja fix-xahar tal-aħħar 96 xahar (magħduda sa MAD 6.000), flimkien ma’ 1% għal kull 216-il jum addizzjonali, sa 70%. Il-ħaddiema b’inqas jiem jieħdu lura l-kontribuzzjonijiet tagħhom. Qed tiġi diskussa riforma tal-pensjonijiet.","Contributions to a retirement savings contract lasting at least 8 years and paid out from age 50 are deductible up to 50% of your net taxable pay ({l} for you).":"Il-kontribuzzjonijiet għal kuntratt ta’ tfaddil għall-irtirar ta’ mill-inqas 8 snin u mħallas mill-età ta’ 50 huma deduċibbli sa 50% tal-paga netta taxxabbli tiegħek ({l} għalik).","Retirement savings contracts (contrats d’épargne retraite) and the supplementary CIMR pension: contributions are deductible and the benefits are taxed with an abatement (about 10% used here). Interest on savings is taxed at 20% at source.":"Kuntratti ta’ tfaddil għall-irtirar (contrats d’épargne retraite) u l-pensjoni supplimentari CIMR: il-kontribuzzjonijiet huma deduċibbli u l-benefiċċji jiġu ntaxxati b’abbattiment (hawn madwar 10%). L-imgħax fuq it-tfaddil jiġi ntaxxat b’20% fis-sors.","Proclamation of Independence":"Proklamazzjoni tal-Indipendenza","Amazigh New Year":"Is-Sena l-Ġdida Amazigh","Throne Day":"Jum it-Tron","Oued Ed-Dahab Day":"Jum Oued Ed-Dahab","Revolution of the King and the People":"Ir-Rivoluzzjoni tar-Re u tal-Poplu","Green March":"Il-Marċ l-Aħdar","Paid annual leave is 1.5 working days per month of service (18 working days a year counting Saturdays), plus 1.5 days for every 5 years of service, up to 30 days. There are 10 civil public holidays and 7 religious holiday days whose dates follow the lunar calendar (estimates are shown).":"Il-leave annwali mħallas huwa 1,5 jum tax-xogħol għal kull xahar servizz (18-il jum tax-xogħol fis-sena inkluż is-Sibt), flimkien ma’ 1,5 jum għal kull 5 snin servizz, sa 30 jum. Hemm 10 btajjel pubbliċi ċivili u 7 ijiem ta’ btajjel reliġjużi li d-dati tagħhom isegwu l-kalendarju lunari (jintwerew stimi).","14 weeks":"14-il ġimgħa","100% of average pay up to the CNSS ceiling (MAD 6,000 a month)":"100% tal-paga medja sal-limitu tas-CNSS (MAD 6.000 fix-xahar)","3 days":"3 ijiem","Paid by the employer":"Imħallas mill-impjegatur","Family support":"Appoġġ għall-familja","Direct social aid per child since December 2023":"Għajnuna soċjali diretta għal kull tifel minn Diċembru 2023","From the 4th day, up to 52 weeks in 2 years":"Mir-raba’ jum, sa 52 ġimgħa f’sentejn","2/3 of average pay up to the CNSS ceiling":"2/3 tal-paga medja sal-limitu tas-CNSS","Dismissed (not for serious misconduct)":"Imkeċċi (mhux għal kondotta ħażina gravi)","Notice and indemnity":"Notifika u indennizz","After 6 months of service an employee dismissed for reasons other than serious misconduct is owed an indemnity of 96 hours of pay per year for the first 5 years, 144 hours for years 6–10, 192 hours for years 11–15 and 240 hours beyond. Notice for employees and workers is 8 days under 1 year, 1 month up to 5 years and 2 months after (managers 1 to 3 months). An abusive dismissal adds damages of 1.5 months’ pay per year, up to 36 months (not modelled).":"Wara 6 xhur servizz, impjegat imkeċċi għal raġunijiet oħra minbarra kondotta ħażina gravi għandu jedd għal indennizz ta’ 96 siegħa paga fis-sena għall-ewwel 5 snin, 144 siegħa għas-snin 6–10, 192 siegħa għas-snin 11–15 u 240 siegħa wara. In-notifika għall-impjegati u l-ħaddiema hija 8 ijiem taħt sena, xahar sa 5 snin u xahrejn wara (maniġers 1 sa 3 xhur). Tkeċċija abbużiva żżid danni ta’ xahar u nofs paga fis-sena, sa 36 xahar (mhux ikkalkulat).","Loss-of-job allowance (IPE)":"Allowance għat-telf tax-xogħol (IPE)","The CNSS pays 70% of the average pay of the last 36 months, at most the minimum wage, for 6 months to employees who lose their job involuntarily and have 780 contribution days in the last 36 months, including 260 in the last 12.":"Is-CNSS tħallas għal 6 xhur 70% tal-paga medja tal-aħħar 36 xahar, l-aktar il-paga minima, lill-impjegati li jitilfu x-xogħol involontarjament u għandhom 780 jum ta’ kontribuzzjonijiet fl-aħħar 36 xahar, li minnhom 260 fl-aħħar 12.","Pay above MAD 6,000 a month earns no CNSS pension: a supplementary pension (CIMR) or retirement savings contract fills the gap and is tax-deductible.":"Il-paga ’l fuq minn MAD 6.000 fix-xahar ma tagħtix pensjoni CNSS: pensjoni supplimentari (CIMR) jew kuntratt ta’ tfaddil għall-irtirar jimla d-distakk u huwa deduċibbli.","Family allowances were replaced by direct social aid in December 2023 and are not included. Dependants reduce income tax by MAD 500 a year each.":"L-allowances tal-familja ġew sostitwiti b’għajnuna soċjali diretta f’Diċembru 2023 u mhumiex inklużi. Kull dipendent inaqqas it-taxxa fuq id-dħul b’MAD 500 fis-sena.","96–240 hours of pay per year of service":"96–240 siegħa paga għal kull sena servizz","14 weeks at 100% (ceiling)":"14-il ġimgħa b’100% (limitu)","2/3 from day 4 (CNSS)":"2/3 mir-raba’ jum (CNSS)","Estimate. Annual CNSS, AMO and income tax for one private-sector employee with the 2026 rules and the standard professional-expenses deduction. The supplementary pension (CIMR), mutual insurance, housing-loan interest relief, bonuses taxed separately and the CNSS minimum pension are not modelled; the religious holiday dates are estimates.":"Stima. Kontribuzzjonijiet CNSS u AMO u taxxa fuq id-dħul annwali għal impjegat wieħed fis-settur privat bir-regoli tal-2026 u t-tnaqqis standard għall-ispejjeż professjonali. Il-pensjoni supplimentari (CIMR), l-assigurazzjonijiet mutwi, it-tnaqqis tal-imgħax tas-self tad-dar, il-bonusijiet intaxxati separatament u l-pensjoni minima tas-CNSS mhumiex ikkalkulati; id-dati tal-btajjel reliġjużi huma stimi.","Official sources: General Tax Directorate DGI (General Tax Code: income tax scale, professional expenses, family charges, as amended by the 2025 Finance Act), National Social Security Fund CNSS (contribution rates and ceiling, old-age pension, loss-of-job allowance), Labour Code (notice, indemnity, leave, overtime) and decree 2.25.983 (minimum wage 2026), Bank Al-Maghrib (exchange rate), High Commission for Planning HCP (inflation), World Bank ICP (price levels), UN World Population Prospects (life expectancy).":"Sorsi uffiċjali: Direttorat Ġenerali tat-Taxxi DGI (Kodiċi Ġenerali tat-Taxxi: skala tal-IR, spejjeż professjonali, piżijiet tal-familja, kif emendati mill-Att Finanzjarju 2025), Fond Nazzjonali tas-Sigurtà Soċjali CNSS (rati tal-kontribuzzjoni u limitu, pensjoni tax-xjuħija, allowance għat-telf tax-xogħol), Kodiċi tax-Xogħol (notifika, indennizz, leave, sahra) u digriet 2.25.983 (paga minima 2026), Bank Al-Maghrib (rata tal-kambju), Kummissjoni Għolja għall-Ippjanar HCP (inflazzjoni), Bank Dinji ICP (livelli tal-prezzijiet), NU World Population Prospects (stennija tal-għomor).","Income tax on MAD 120,000 of net taxable income (no dependants)":"IR fuq MAD 120.000 ta’ dħul nett taxxabbli (mingħajr dipendenti)","Professional expenses on MAD 120,000 gross a year":"Spejjeż professjonali fuq MAD 120.000 gross fis-sena","Maximum monthly employee CNSS social benefits contribution":"Kontribuzzjoni massima fix-xahar tal-impjegat għall-benefiċċji soċjali tas-CNSS","Dismissal indemnity after 8 years (hours of pay)":"Indennizz għat-tkeċċija wara 8 snin (sigħat paga)","Minimum wage per month (191 hours)":"Paga minima fix-xahar (191 siegħa)","CNSS pension rate with 5,400 contribution days":"Rata tal-pensjoni CNSS b’5.400 jum ta’ kontribuzzjonijiet","Your SRS":"L-SRS tiegħek","Your retirement annuity":"L-annwalità tal-irtirar tiegħek","Africa":"L-Afrika","Buyer’s stamp duty (1% to 6%; no additional duty for a citizen’s first home)":"Taxxa tal-bolla tax-xerrej (1% sa 6%; l-ebda taxxa addizzjonali għall-ewwel dar ta’ ċittadin)","Conveyancing, valuation and mortgage stamp duty (estimate)":"Trasferiment, valutazzjoni u taxxa tal-bolla fuq is-self (stima)","Transfer duty (0% up to R1,210,000, then 3% to 13%)":"Taxxa fuq it-trasferiment (0% sa R1.210.000, imbagħad 3% sa 13%)","Conveyancer, deeds office and bond registration (estimate, about 2%)":"Konvejanser, uffiċċju tal-atti u reġistrazzjoni tal-ipoteka (stima, madwar 2%)","Registration duty 4%":"Dazju tar-reġistrazzjoni 4%","Land registry fee 1.5% and mortgage registration 0.5% of the loan":"Miżata tar-reġistru tal-art 1,5% u reġistrazzjoni tal-ipoteka 0,5% tas-self","Notary fees incl. VAT (estimate, about 1.2%)":"Miżati tan-nutar inkluża l-VAT (stima, madwar 1,2%)","Not modelled: interest on a loan for your main home is deductible up to 10% of taxable income.":"Mhux ikkalkulat: l-imgħax fuq self għad-dar ewlenija tiegħek huwa deduċibbli sa 10% tad-dħul taxxabbli.","Monetary Authority of Singapore: bank loans for a first home at most 75% of the value (lower for long tenures, older borrowers and further loans) and total debt payments at most 55% of gross monthly income (TDSR); HDB flats and executive condominiums also have a 30% mortgage servicing ratio.":"Monetary Authority of Singapore: self bankarju għall-ewwel dar l-aktar 75% tal-valur (inqas għal perjodi twal, għal min jissellef anzjan u għal self ieħor) u ħlasijiet totali tad-dejn l-aktar 55% tad-dħul gross fix-xahar (TDSR); l-appartamenti HDB u l-executive condominiums għandhom ukoll limitu ta’ 30%.","No loan-to-value limits: banks can lend up to 100% of the value after the affordability assessment required by the National Credit Act.":"L-ebda limitu tas-self mal-valur: il-banek jistgħu jislfu sa 100% tal-valur wara l-valutazzjoni tal-affordabbiltà meħtieġa min-National Credit Act.","No binding borrower limits. Banks usually lend up to 70–100% of the value (with the state FOGARIM guarantee for modest incomes) and keep the monthly payment below about 40% of income.":"L-ebda limitu vinkolanti. Il-banek normalment jislfu 70–100% tal-valur (bil-garanzija tal-istat FOGARIM għal dħul modest) u jżommu l-ħlas fix-xahar taħt madwar 40% tad-dħul.","Public holidays on weekdays in 2026 (with days in lieu)":"Btajjel pubbliċi f’jiem tax-xogħol fl-2026 (b’jiem minflok)","Annual leave in the first year (days)":"Leave annwali fl-ewwel sena (jiem)","Civil public holidays on weekdays in 2026":"Btajjel pubbliċi ċivili f’jiem tax-xogħol fl-2026","Buyer’s stamp duty on a $1,000,000 home":"Taxxa tal-bolla tax-xerrej fuq dar ta’ $1.000.000","Transfer duty on a R2,000,000 home":"Taxxa fuq it-trasferiment fuq dar ta’ R2.000.000","Registration duty on a MAD 1,000,000 home":"Dazju tar-reġistrazzjoni fuq dar ta’ MAD 1.000.000","CPF LIFE is estimated from the CPF Board’s published payouts for the retirement sums, assuming 70% of contributions reach the Ordinary and Special accounts at 3% and nothing is used for housing; your CPF statement and the CPF LIFE estimator give your own figure.":"Is-CPF LIFE huwa stmat mill-ħlasijiet ippubblikati mis-CPF għar-retirement sums, b’suppożizzjoni li 70% tal-kontribuzzjonijiet jaslu fil-kontijiet Ordinary u Special bi 3% u li xejn ma jintuża għad-dar; ir-rapport CPF tiegħek u l-kalkulatur CPF LIFE jagħtu ċ-ċifra tiegħek.","The retirement fund is projected with a 3% real return and converted into a level annuity; actual annuity rates, fees and the two-pot savings withdrawals change the result.":"Il-fond tal-irtirar huwa projettat b’redditu reali ta’ 3% u mibdul f’annwalità fissa; ir-rati attwali tal-annwalità, il-miżati u l-ġbid mill-qasba tat-tfaddil jibdlu r-riżultat.","Estimate: the CNSS pension uses your recent pay up to MAD 6,000 a month and 26 contribution days a month; your CNSS statement gives your actual days.":"Stima: il-pensjoni CNSS tuża l-paga riċenti tiegħek sa MAD 6.000 fix-xahar u 26 jum ta’ kontribuzzjonijiet fix-xahar; ir-rapport CNSS tiegħek juri l-jiem attwali tiegħek.","MPF mandatory contribution 5% (relevant income up to $30,000 a month)":"Kontribuzzjoni obbligatorja tal-MPF ta’ 5% (dħul sa $30,000 fix-xahar)","Salaries tax at the standard rate (15%)":"Salaries Tax bir-rata standard (15%)","Salaries tax (progressive rates)":"Salaries Tax (rati progressivi)","Basic and child allowances":"Konċessjoni bażika u konċessjoni għat-tfal","Employer MPF contribution 5%":"Kontribuzzjoni tal-MPF ta’ min iħaddem ta’ 5%","MPF savings of about {b} at {a}, drawn down evenly over your life expectancy: {m} a month (3% real return assumed). MPF benefits are paid from 65, or from 60 on early retirement, and are not taxed. The Old Age Allowance of $1,675 a month is added from 70; there is no other state pension.":"Bilanċ tal-MPF ta’ madwar {b} fl-età ta’ {a}, minfuq b’mod ugwali tul l-istennija tal-ħajja tiegħek: {m} fix-xahar (b’redditu reali ta’ 3%). Il-benefiċċji tal-MPF jitħallsu mill-età ta’ 65, jew minn 60 b’irtirar bikri, u huma eżenti mit-taxxa. Mill-età ta’ 70 tiżdied l-Old Age Allowance ta’ $1,675 fix-xahar; m’hemm l-ebda pensjoni tal-istat oħra.","MPF contribution for the self-employed 5% (relevant income $7,100–$30,000 a month)":"Kontribuzzjoni tal-MPF għal min jaħdem għal rasu ta’ 5% (dħul ta’ $7,100–30,000 fix-xahar)","Severance payment (2/3 of a month’s wages, capped at $22,500, per year of service; not taxed)":"Kumpens għal redundancy (2/3 ta’ paga ta’ xahar, mhux aktar minn $22,500, għal kull sena ta’ servizz; eżenti mit-taxxa)","Long service payment (2/3 of a month’s wages, capped at $22,500, per year of service; not taxed)":"Long Service Payment (2/3 ta’ paga ta’ xahar, mhux aktar minn $22,500, għal kull sena ta’ servizz; eżenti mit-taxxa)","Severance payment if made redundant":"Kumpens għal redundancy","Severance or long service payment":"Kumpens jew Long Service Payment","As agreed in the contract, at least 7 days (1 month if not stated)":"Skont il-kuntratt, mill-inqas 7 ijiem (xahar jekk ma ntlaħaq l-ebda ftehim)","Employment Ordinance s. 6":"Employment Ordinance art. 6","Hong Kong has no unemployment insurance. The means-tested Comprehensive Social Security Assistance (CSSA) can help people with low income and savings.":"Hong Kong m’għandux assigurazzjoni kontra l-qgħad. Il-Comprehensive Social Security Assistance (CSSA), ibbażata fuq il-mezzi, tgħin lil min għandu dħul u tfaddil baxx.","The first day of January":"L-Ewwel tas-Sena","Lunar New Year’s Day":"Is-Sena l-Ġdida Ċiniża","The second day of Lunar New Year":"It-tieni jum tas-Sena l-Ġdida Ċiniża","The third day of Lunar New Year":"It-tielet jum tas-Sena l-Ġdida Ċiniża","Ching Ming Festival":"Il-festa ta’ Ching Ming","The Birthday of the Buddha":"Għeluq is-sena ta’ Buddha","Tuen Ng Festival":"Il-festa ta’ Tuen Ng","HKSAR Establishment Day":"Jum it-Twaqqif tar-RAS ta’ Hong Kong","The day following the Mid-Autumn Festival":"Il-jum ta’ wara l-festa ta’ nofs il-ħarifa","Chung Yeung Festival":"Il-festa ta’ Chung Yeung","Christmas Day (or Winter Solstice)":"Il-Milied (jew is-solstizju tax-xitwa)","The first weekday after Christmas Day":"L-ewwel jum tax-xogħol wara l-Milied","Hong Kong":"Hong Kong","Salaries tax":"Salaries Tax","Salaries tax for 2026/27 is the lower of two calculations: progressive rates of 2%, 6%, 10% and 14% on four bands of $50,000 of net chargeable income and 17% above, or the standard rate of 15% on net income without allowances (16% above $5 million). The basic allowance is $145,000 and each child adds $140,000. Tax is assessed once a year on income from April to March; it is not withheld from pay.":"Is-Salaries Tax għall-2026/27 huwa l-inqas minn żewġ kalkoli: rati progressivi ta’ 2%, 6%, 10% u 14% fuq erba’ faxex ta’ $50,000 tad-dħul nett taxxabbli u 17% fuq dan, jew ir-rata standard ta’ 15% fuq id-dħul nett mingħajr konċessjonijiet (16% ’il fuq minn $5 miljun). Il-konċessjoni bażika hija ta’ $145,000 u kull wild iżid $140,000. It-taxxa tiġi stabbilita darba fis-sena fuq id-dħul minn April sa Marzu u ma titnaqqasx mill-paga.","Employees and employers each pay 5% of relevant income into a Mandatory Provident Fund scheme, on income up to $30,000 a month (at most $1,500 each). Employees earning less than $7,100 a month pay nothing, but their employer still pays 5%. Your mandatory contributions are deductible up to $18,000 a year.":"Il-ħaddiem u min iħaddem iħallsu kull wieħed 5% tad-dħul fi skema tal-Mandatory Provident Fund, fuq dħul sa $30,000 fix-xahar (mhux aktar minn $1,500 kull wieħed). Jekk taqla’ inqas minn $7,100 fix-xahar ma tħallas xejn, iżda min iħaddem xorta jħallas 5%. Il-kontribuzzjonijiet obbligatorji tiegħek jistgħu jitnaqqsu sa $18,000 fis-sena.","No statutory overtime pay":"L-ebda ħlas legali għas-sahra","The Employment Ordinance sets no overtime premium and no general limit on working hours; overtime pay depends on your contract. Enter the premium your contract gives.":"L-Employment Ordinance ma tistabbilixxix żieda għas-sahra jew limitu ġenerali ta’ sigħat; il-ħlas tas-sahra jiddependi mill-kuntratt tiegħek. Daħħal iż-żieda tal-kuntratt tiegħek.","No general legal limit":"L-ebda limitu legali ġenerali","Unincorporated businesses pay profits tax (7.5% on the first $2 million of profits, 15% above) or, under personal assessment, tax at the salaries tax rates with the personal allowances, which is usually lower for modest profits and is used here. Self-employed people pay 5% of relevant income into MPF.":"In-negozji ta’ persuna waħda jħallsu Profits Tax (7.5% fuq l-ewwel $2 miljun ta’ profitt, 15% fuq dan) jew, bil-Personal Assessment, taxxa bir-rati tas-Salaries Tax bil-konċessjonijiet personali, li ġeneralment taqbel aħjar fuq profitti moderati u tintuża hawn. Min jaħdem għal rasu jħallas 5% tad-dħul lill-MPF.","Your MPF account holds the mandatory contributions (yours and your employer’s, 10% of relevant income) and their returns. You can withdraw it at 65, or at 60 on early retirement, as a lump sum or in instalments, tax-free. MPF offsetting of severance and long service payments ended on 1 May 2025 for service after that date.":"Il-kont tiegħek tal-MPF fih il-kontribuzzjonijiet obbligatorji (tiegħek u ta’ min iħaddmek, 10% tad-dħul) u r-redditu tagħhom. Tista’ tiġbdu fl-età ta’ 65, jew 60 b’irtirar bikri, f’daqqa jew f’pagamenti, mingħajr taxxa. It-tpaċija tal-kumpens għal redundancy u tal-Long Service Payments mal-MPF intemmet fl-1 ta’ Mejju 2025 għas-servizz ta’ wara.","Old age allowances":"Għajnuniet għax-xjuħija","There is no contributory state pension. From 70 residents can get the Old Age Allowance of $1,675 a month without a means test; the means-tested Old Age Living Allowance pays $4,345 a month from 65 (rates from 1 February 2026).":"M’hemmx pensjoni tal-istat ibbażata fuq kontribuzzjonijiet. Mill-età ta’ 70 ir-residenti jistgħu jirċievu l-Old Age Allowance ta’ $1,675 fix-xahar mingħajr test tal-mezzi; l-Old Age Living Allowance, ibbażata fuq il-mezzi, tħallas $4,345 fix-xahar mill-età ta’ 65 (ammonti mill-1 ta’ Frar 2026).","Tax-deductible voluntary contributions (TVC) to an MPF account and qualifying deferred annuity premiums are deductible up to $60,000 a year together. TVC can only be withdrawn at 65 (or 60 on early retirement), like mandatory contributions, and MPF benefits are not taxed.":"Il-kontribuzzjonijiet volontarji deduċibbli mit-taxxa (TVC) f’kont tal-MPF u l-primjums ta’ annwalitajiet differiti rikonoxxuti jistgħu jitnaqqsu flimkien sa $60,000 fis-sena. Bħall-kontribuzzjonijiet obbligatorji, it-TVC jistgħu jinġibdu biss fl-età ta’ 65 (jew 60 b’irtirar bikri), u l-benefiċċji tal-MPF huma eżenti mit-taxxa.","Tax-deductible voluntary contributions (TVC): deductible up to $60,000 a year (together with deferred annuity premiums); withdrawals from 65 are not taxed. Interest on bank deposits is not taxed in Hong Kong.":"Kontribuzzjonijiet volontarji deduċibbli mit-taxxa (TVC): deduċibbli sa $60,000 fis-sena (flimkien mal-primjums ta’ annwalitajiet differiti); il-ġbid mill-età ta’ 65 huwa eżenti mit-taxxa. L-imgħax fuq id-depożiti bankarji mhuwiex intaxxat f’Hong Kong.","{h} (day off in lieu)":"{h} (jum ta’ mistrieħ sostitut)","After 12 months of service employees get 7 days of paid annual leave, rising by 1 day a year to 14 days after 9 years, plus the statutory holidays (15 in 2026, with Easter Monday added). A statutory holiday on a rest day is replaced by the next day. Lunar holidays are shown for the years the Labour Department has published.":"Wara 12-il xahar ta’ impjieg, il-ħaddiema għandhom 7 ijiem ta’ leave imħallas, li jiżdiedu b’jum kull sena sa 14 wara 9 snin, flimkien mal-festi statutorji (15 fl-2026, bit-Tnejn ta’ wara l-Għid il-ġdid). Jekk festa statutorja taħbat f’jum ta’ mistrieħ, tissostitwiha l-jum ta’ wara. Il-festi lunari jintwerew għas-snin li ppubblika l-Labour Department.","4/5 of average daily wages (weeks 11–14 capped at $80,000)":"4/5 tal-paga medja ta’ kuljum (il-ġimgħat 11–14 b’limitu ta’ $80,000)","4/5 of average daily wages":"4/5 tal-paga medja ta’ kuljum","Sickness allowance":"Benefiċċju tal-mard","Up to 120 paid sickness days built up over time (2 days a month in the first year, 4 after)":"Sa 120 jum ta’ sick leave imħallas li jakkumulaw (jumejn fix-xahar fl-ewwel sena, imbagħad 4)","Made redundant":"Redundancy","Severance and long service payments":"Kumpens għal redundancy u Long Service Payment","Employees made redundant after at least 24 months of service get a severance payment; those dismissed for other reasons (not serious misconduct) after at least 5 years get a long service payment instead. Both are 2/3 of the last full month’s wages, with wages capped at $22,500, for each year of service, up to $390,000. They are not taxed. Notice is as agreed but at least 7 days, or 1 month if the contract says nothing.":"Min jitkeċċa minħabba redundancy wara mill-inqas 24 xahar ta’ impjieg jirċievi kumpens; min jitkeċċa għal raġuni oħra (mhux għal kondotta ħażina gravi) wara mill-inqas 5 snin jirċievi minflok Long Service Payment. It-tnejn huma 2/3 tal-aħħar paga sħiħa ta’ xahar, b’paga mhux aktar minn $22,500, għal kull sena ta’ servizz, sa $390,000. Huma eżenti mit-taxxa. Il-preavviż huwa dak miftiehem, mill-inqas 7 ijiem, jew xahar jekk il-kuntratt ma jgħid xejn.","Tax-deductible voluntary MPF contributions (TVC) and qualifying deferred annuity premiums lower your salaries tax: up to $60,000 a year can be deducted.":"Il-kontribuzzjonijiet volontarji tal-MPF deduċibbli mit-taxxa (TVC) u l-primjums ta’ annwalitajiet differiti rikonoxxuti jnaqqsu s-Salaries Tax tiegħek: tista’ tnaqqas sa $60,000 fis-sena.","Married couples can choose joint assessment (married person’s allowance $290,000); it is not modelled here. The child allowance of $140,000 per child goes to the parent claiming it ($280,000 in the first two years for children born from 1 April 2025).":"Il-koppji miżżewġin jistgħu jagħżlu tassazzjoni konġunta (konċessjoni għall-miżżewġin ta’ $290,000); din ma tiġix ikkalkulata hawn. Il-konċessjoni ta’ $140,000 għal kull wild tmur għand il-ġenitur li jitlobha ($280,000 fl-ewwel sentejn għat-tfal imwielda mill-1 ta’ April 2025).","Severance payment (redundancy, after 2 years)":"Kumpens (redundancy, wara sentejn)","1 month (if not agreed)":"Xahar (jekk ma jkunx miftiehem)","No unemployment insurance":"L-ebda assigurazzjoni kontra l-qgħad","14 weeks at 4/5 pay":"14-il ġimgħa b’4/5 tal-paga","5 days at 4/5 pay":"5 ijiem b’4/5 tal-paga","4/5 pay from accumulated days":"4/5 tal-paga mill-ijiem akkumulati","Annual MPF and salaries tax for one employee for the year of assessment 2026/27, with the basic and child allowances only. Married person’s and dependant allowances, other deductions (home loan interest, rent, insurance), the one-off reduction for 2025/26 and the timing of provisional tax are not modelled.":"Il-kontribuzzjoni annwali tal-MPF u s-Salaries Tax ta’ ħaddiem fis-sena tat-taxxa 2026/27, bil-konċessjonijiet bażika u għat-tfal biss. Il-konċessjonijiet għall-miżżewġin u għad-dipendenti, tnaqqisijiet oħra (imgħax fuq is-self għad-dar, kera, assigurazzjonijiet), it-tnaqqis ta’ darba għall-2025/26 u ż-żmien tat-taxxa provviżorja ma jiġux ikkalkulati.","Official sources: Inland Revenue Department (salaries tax rates, allowances 2026/27 and worked examples, stamp duty rates from 26 February 2026), Mandatory Provident Fund Schemes Authority (contribution limits), Labour Department (Employment Ordinance, statutory holidays 2026, maternity and paternity leave, severance and long service payments), Social Welfare Department (Old Age Allowance and Old Age Living Allowance from 1 February 2026), Hong Kong Monetary Authority (loan-to-value and debt-servicing limits), Census and Statistics Department (inflation, life expectancy), World Bank ICP (price levels).":"Sorsi uffiċjali: Inland Revenue Department (rati tas-Salaries Tax, konċessjonijiet 2026/27 u eżempji ta’ kalkolu, rati tat-taxxa tal-bolla mis-26 ta’ Frar 2026), Mandatory Provident Fund Schemes Authority (limiti tal-kontribuzzjonijiet), Labour Department (Employment Ordinance, festi statutorji 2026, leave tal-maternità u tal-paternità, kumpensi), Social Welfare Department (Old Age Allowance u Old Age Living Allowance mill-1 ta’ Frar 2026), Hong Kong Monetary Authority (limiti tas-self u tas-servizz tad-dejn), Census and Statistics Department (inflazzjoni, stennija tal-ħajja), Bank Dinji ICP (livelli tal-prezzijiet).","Salaries tax 2026/27, single person with $380,000 of income":"Salaries Tax 2026/27, persuna waħedha b’dħul ta’ $380,000","Tax at the two-tiered standard rates on $5,090,000 of net income":"Taxxa bir-rati standard b’żewġ faxex fuq dħul nett ta’ $5,090,000","Single parent with one child: tax on $440,000 of net income (allowances $145,000 + $145,000 + $140,000)":"Ġenitur waħdu b’wild wieħed: taxxa fuq dħul nett ta’ $440,000 (konċessjonijiet ta’ $145,000 + $145,000 + $140,000)","Maximum yearly MPF mandatory contribution of an employee":"L-ogħla kontribuzzjoni annwali obbligatorja tal-MPF ta’ ħaddiem","Employee MPF at $7,000 a month (below the minimum relevant income)":"L-MPF tal-ħaddiem b’$7,000 fix-xahar (taħt id-dħul minimu)","Deduction cap for TVC and deferred annuity premiums":"Limitu tat-tnaqqis għat-TVC u l-primjums ta’ annwalitajiet differiti","Severance payment after 10 years at $30,000 a month":"Kumpens għal redundancy wara 10 snin b’$30,000 fix-xahar","National pension 4.75%":"Pensjoni tal-istat 4.75%","Health insurance 3.595%":"Assigurazzjoni tas-saħħa 3.595%","Long-term care insurance (13.14% of the health premium)":"Assigurazzjoni għall-kura fit-tul (13.14% tal-kontribuzzjoni tas-saħħa)","Employment insurance 0.9%":"Assigurazzjoni tal-impjieg 0.9%","Local income tax (10% of income tax)":"Taxxa lokali fuq id-dħul (10% tat-taxxa fuq id-dħul)","Earned income deduction":"Tnaqqis fuq id-dħul mix-xogħol","Employer social insurance (industrial accident insurance not included)":"Kontribuzzjonijiet ta’ min iħaddem (mingħajr assigurazzjoni kontra l-inċidenti)","National pension estimate: 43% of the average of your pay ({b}) and the average pay of all insured people ({a}) for 40 years, in proportion to your {y} years. Years before 2026 used higher rates for older periods, so your National Pension Service statement may show more. The means-tested basic pension (up to 349,700 won a month in 2026) is not included.":"Stima tal-pensjoni tal-istat: 43% tal-medja bejn il-paga tiegħek ({b}) u l-paga medja tal-assigurati kollha ({a}) għal 40 sena, proporzjonata għas-{y} snin tiegħek. Il-perjodi qabel l-2026 kellhom rati ogħla, għalhekk id-dikjarazzjoni tan-National Pension Service tista’ turi aktar. Il-pensjoni bażika bbażata fuq il-mezzi (sa 349,700 won fix-xahar fl-2026) mhijiex inkluża.","Regional national pension 9.5% and health insurance (estimate)":"Pensjoni tal-istat reġjonali 9.5% u assigurazzjoni tas-saħħa (stima)","Severance pay (30 days’ average wages per year of service; after retirement income tax)":"Ħlas tat-tluq (30 jum ta’ paga medja għal kull sena ta’ servizz; wara t-taxxa fuq id-dħul tat-tluq)","Job-seeking benefit: {d} a day for {n} days (60% of your average daily wage, between 66,048 and 68,100 won), if you were insured for at least 180 days in the last 18 months and lost your job involuntarily":"Benefiċċju tal-qgħad: {d} kuljum għal {n} jum (60% tal-paga medja ta’ kuljum tiegħek, bejn 66,048 u 68,100 won), jekk għandek mill-inqas 180 jum assigurati fl-aħħar 18-il xahar u titlef ix-xogħol kontra r-rieda tiegħek","Insured period":"Perjodu assigurat","Under 50":"Taħt il-50","50 and over":"50 jew aktar","30 days (or 30 days’ wages instead)":"30 jum (jew minflok 30 jum ta’ paga)","Labor Standards Act art. 26 (dismissal by the employer)":"Labor Standards Act art. 26 (tkeċċija minn min iħaddem)","Seollal (Lunar New Year)":"Seollal (is-Sena l-Ġdida Lunari)","Independence Movement Day":"Jum il-Moviment għall-Indipendenza","Children’s Day and Buddha’s Birthday":"Jum it-Tfal u għeluq is-sena ta’ Buddha","Presidential election day":"Jum l-elezzjoni presidenzjali","Hangul Day":"Jum il-Hangul","Buddha’s Birthday":"Għeluq is-sena ta’ Buddha","Local election day":"Jum l-elezzjonijiet lokali","South Korea":"Il-Korea t’Isfel","Income tax uses rates from 6% to 45% on taxable income, plus local income tax of 10% of the tax. Before the rates, the earned income deduction (up to 20 million won), 1.5 million won for you and each dependant, and your social insurance contributions are deducted; the earned income tax credit and the child tax credit then reduce the tax. Employers withhold tax every month and settle it in the year-end tax settlement.":"It-taxxa fuq id-dħul għandha rati minn 6% sa 45% fuq id-dħul taxxabbli, flimkien ma’ taxxa lokali ta’ 10% tat-taxxa. Qabel ir-rati jitnaqqsu t-tnaqqis fuq id-dħul mix-xogħol (sa 20 miljun won), 1.5 miljun won għalik u għal kull dipendent, u l-kontribuzzjonijiet soċjali tiegħek; imbagħad il-kreditu tat-taxxa fuq id-dħul mix-xogħol u l-kreditu għat-tfal inaqqsu t-taxxa. Min iħaddem inaqqas it-taxxa kull xahar u jirranġaha fl-aġġustament tal-aħħar tas-sena.","In 2026 you pay 4.75% for the national pension (on pay up to 6.37 million won a month, 6.59 million from July), 3.595% for health insurance, 13.14% of that for long-term care and 0.9% for employment insurance. Your employer pays the same plus about 0.25% for job training and the industrial accident insurance for its sector. The pension rate rises by 0.5 points a year until 13% in 2033.":"Fl-2026 tħallas 4.75% għall-pensjoni tal-istat (fuq paga sa 6.37 miljun won fix-xahar, 6.59 miljun minn Lulju), 3.595% għall-assigurazzjoni tas-saħħa, 13.14% minnha għall-kura fit-tul u 0.9% għall-assigurazzjoni tal-impjieg. Min iħaddmek iħallas l-istess flimkien ma’ madwar 0.25% għat-taħriġ u l-assigurazzjoni kontra l-inċidenti tas-settur tiegħu. Il-kontribuzzjoni tal-pensjoni togħla b’0.5 punti fis-sena sa 13% fl-2033.","Labor Standards Act art. 56":"Labor Standards Act art. 56","At workplaces with 5 or more employees, overtime, night work (22:00–06:00) and holiday work are paid at least 50% extra (100% for holiday work beyond 8 hours). The working week is 40 hours plus at most 12 hours of overtime.":"F’kumpaniji b’5 ħaddiema jew aktar, is-sahra, ix-xogħol bil-lejl (22–6) u x-xogħol fil-festi jitħallsu b’żieda ta’ mill-inqas 50% (100% għax-xogħol fil-festi ’l fuq minn 8 sigħat). Il-ġimgħa tax-xogħol hija ta’ 40 siegħa flimkien ma’ massimu ta’ 12-il siegħa sahra.","12 h / week":"12-il siegħa / ġimgħa","Self-employed people file a comprehensive income tax return in May on their business profit (same rates plus 10% local tax) and pay the regional national pension (9.5% of income) and regional health insurance, which is based on income and property points and is only estimated here.":"Min jaħdem għal rasu jippreżenta f’Mejju dikjarazzjoni tat-taxxa fuq il-profitt tiegħu (l-istess rati flimkien ma’ 10% taxxa lokali) u jħallas il-pensjoni tal-istat reġjonali (9.5% tad-dħul) u l-assigurazzjoni tas-saħħa reġjonali, li tiġi kkalkulata b’punti tad-dħul u tal-assi u hawn hija biss stima.","After at least 10 years of contributions you get an old-age pension from 65 if you were born in 1969 or later. From 2026 each year of contributions earns a pension of about 1.075% of the average of your own pay and the average pay of all insured people (43% for 40 years). You can claim up to 5 years early with 6% less per year, or defer up to 5 years with 7.2% more per year.":"Wara mill-inqas 10 snin ta’ kontribuzzjonijiet tirċievi pensjoni tax-xjuħija mill-età ta’ 65 jekk is-sena tat-twelid tiegħek hija l-1969 jew aktar tard. Mill-2026, kull sena ta’ kontribuzzjonijiet tagħti pensjoni ta’ madwar 1.075% tal-medja bejn il-paga tiegħek u l-paga medja tal-assigurati kollha (43% għal 40 sena). Tista’ tieħu sa 5 snin qabel b’6% inqas għal kull sena jew tipposponiha sa 5 snin b’7.2% aktar għal kull sena.","Basic pension":"Pensjoni bażika","People aged 65 and over in the lower 70% of income and assets can get the basic pension, up to 349,700 won a month for a single person in 2026, reduced for higher national pensions.":"In-nies ta’ 65 sena jew aktar fis-70% l-aktar baxx skont id-dħul u l-assi jistgħu jirċievu l-pensjoni bażika, sa 349,700 won fix-xahar għal persuna waħedha fl-2026, imnaqqsa jekk il-pensjoni tal-istat tkun ogħla.","Pension savings accounts and IRP contributions give a tax credit of 15% (12% if your total salary is above 55 million won), plus 10% local tax, on up to 9 million won a year (6 million in pension savings). Pensions drawn from 55 are taxed at 3.3–5.5%.":"Il-ħlasijiet f’kontijiet ta’ tfaddil għall-pensjoni u fl-IRP jagħtu kreditu tat-taxxa ta’ 15% (12% jekk il-paga totali tiegħek taqbeż il-55 miljun won) flimkien ma’ 10% taxxa lokali fuq sa 9 miljun won fis-sena (6 miljun fit-tfaddil għall-pensjoni). Il-pensjonijiet mill-età ta’ 55 huma intaxxati bi 3.3–5.5%.","Individual retirement pension (IRP) and pension savings: a tax credit instead of a deduction, and 3.3–5.5% tax on pensions drawn from 55 (5.5% used here). Interest income is taxed at 15.4%.":"Pensjoni individwali (IRP) u tfaddil għall-pensjoni: kreditu tat-taxxa minflok tnaqqis u taxxa ta’ 3.3–5.5% fuq il-pensjonijiet mill-età ta’ 55 (hawn 5.5%). L-imgħax huwa intaxxat bi 15.4%.","Employees who worked at least 80% of the year get 15 days of paid annual leave, plus 1 day for every 2 further years of service from the 3rd year, up to 25 days. In the first year you earn 1 day for each full month worked (up to 11). Lunar holidays and substitute holidays are shown for the years already published.":"Min ikun ħadem mill-inqas 80% tas-sena għandu 15-il jum ta’ leave imħallas, b’jum aktar għal kull sentejn addizzjonali mit-tielet sena, sa 25 jum. Fl-ewwel sena jiġi akkumulat jum għal kull xahar sħiħ maħdum (sa 11). Il-festi lunari u sostituti jintwerew għas-snin diġà ppubblikati.","90 days (120 for twins or more)":"90 jum (120 għal twelid multiplu)","Full pay; the employment insurance covers part (up to 2.1 million won a month)":"Paga sħiħa; l-assigurazzjoni tal-impjieg tħallas parti (sa 2.1 miljun won fix-xahar)","Up to 1 year per parent (1.5 years if both take at least 3 months), until the child is 8":"Sa sena għal kull ġenitur (sena u nofs jekk it-tnejn jieħdu mill-inqas 3 xhur), sakemm il-wild jagħlaq 8 snin","Employment insurance: 100% up to 2.5 million won (months 1–3), then up to 2 million and 1.6 million":"Assigurazzjoni tal-impjieg: 100% sa 2.5 miljun won (xhur 1–3), imbagħad sa 2 miljun u 1.6 miljun","No legal paid sick leave (only by contract or rules of employment)":"L-ebda sick leave imħallas bil-liġi (biss bil-kuntratt jew bir-regoli tal-post tax-xogħol)","Dismissed or made redundant":"Tkeċċija jew redundancy","After at least 1 year of service every employee receives severance pay of 30 days’ average wages per year, whatever the reason for leaving, including resignation; many employers pay it through a retirement pension plan. It is taxed as retirement income with its own deductions, so the tax is low. A dismissal needs a justifiable reason and 30 days’ notice or 30 days’ wages.":"Wara mill-inqas sena ta’ servizz, kull ħaddiem jirċievi ħlas tat-tluq ta’ 30 jum ta’ paga medja għal kull sena, ikun x’ikun ir-raġuni tat-tluq, anki meta jirriżenja; ħafna minn dawk li jħaddmu jħallsuh permezz ta’ pjan tal-pensjoni tal-kumpanija. Huwa intaxxat bħala dħul tat-tluq b’tnaqqisijiet tiegħu, għalhekk it-taxxa hija baxxa. It-tkeċċija teħtieġ raġuni ġusta u 30 jum preavviż jew 30 jum ta’ paga.","Job-seeking benefit":"Benefiċċju tal-qgħad","If you lose your job involuntarily after at least 180 insured days in the last 18 months, the employment insurance pays 60% of your average daily wage, between 66,048 and 68,100 won a day in 2026, for 120 to 270 days depending on your age and how long you were insured.":"Jekk titlef ix-xogħol kontra r-rieda tiegħek wara mill-inqas 180 jum assigurati fl-aħħar 18-il xahar, l-assigurazzjoni tal-impjieg tħallas 60% tal-paga medja ta’ kuljum tiegħek, bejn 66,048 u 68,100 won kuljum fl-2026, għal 120 sa 270 jum skont l-età u l-perjodu assigurat.","Pension savings and IRP contributions give a tax credit of up to 16.5% (with local tax) on up to 9 million won a year.":"Il-ħlasijiet fit-tfaddil għall-pensjoni u fl-IRP jagħtu kreditu tat-taxxa sa 16.5% (bit-taxxa lokali) fuq sa 9 miljun won fis-sena.","The child tax credit is applied to the parent claiming it for children aged 8 and over; the monthly child allowance for younger children (100,000 won) and the parent allowance are not included. Spouses are taxed separately.":"Il-kreditu għat-tfal imur għand il-ġenitur li jitolbu, għal tfal ta’ 8 snin jew aktar; l-allowance ta’ kull xahar għat-tfal iżgħar (100,000 won) u l-benefiċċju tal-ġenituri mhumiex inklużi. Il-miżżewġin huma intaxxati separatament.","30 days’ pay per year (also on resignation)":"30 jum ta’ paga fis-sena (anki meta tirriżenja)","60% of pay, 120–270 days":"60% tal-paga, 120–270 jum","90 days at full pay":"90 jum b’paga sħiħa","20 days at full pay":"20 jum b’paga sħiħa","1 year per parent, paid by employment insurance":"Sena għal kull ġenitur, imħallsa mill-assigurazzjoni tal-impjieg","No legal paid sick leave":"L-ebda sick leave imħallas bil-liġi","Annual income tax and social insurance for one employee with the 2026 rates, with the earned income deduction, the personal deduction for you and your children, the deduction of your contributions, and the earned income and child tax credits. Non-taxable allowances (such as meals up to 200,000 won a month), card and housing deductions, other credits and the monthly withholding table are not modelled.":"It-taxxa annwali fuq id-dħul u l-kontribuzzjonijiet soċjali ta’ ħaddiem bir-rati tal-2026, bit-tnaqqis fuq id-dħul mix-xogħol, it-tnaqqis personali għalik u għat-tfal tiegħek, it-tnaqqis tal-kontribuzzjonijiet tiegħek u l-krediti fuq id-dħul mix-xogħol u għat-tfal. L-allowances eżenti mit-taxxa (bħal ikliet sa 200,000 won fix-xahar), it-tnaqqisijiet għall-kards u d-dar, krediti oħra u t-tabella tat-tnaqqis ta’ kull xahar ma jiġux ikkalkulati.","Official sources: National Tax Service and Income Tax Act (rates, earned income deduction and tax credits, retirement income tax), National Pension Service (contribution rate and income limits 2026, A value), National Health Insurance Service (health and long-term care rates 2026), Ministry of Employment and Labor (Labor Standards Act, severance pay, job-seeking benefit limits 2026, maternity and parental leave), Ministry of Health and Welfare (basic pension 2026), Ministry of the Interior and Safety (public holidays), Financial Services Commission (LTV and DSR rules), Statistics Korea (inflation, life tables 2024), World Bank ICP (price levels).":"Sorsi uffiċjali: National Tax Service u Income Tax Act (rati, tnaqqis u krediti fuq id-dħul mix-xogħol, taxxa fuq id-dħul tat-tluq), National Pension Service (rata tal-kontribuzzjoni u limiti tad-dħul 2026, valur A), National Health Insurance Service (assigurazzjoni tas-saħħa u tal-kura fit-tul 2026), Ministry of Employment and Labor (Labor Standards Act, ħlas tat-tluq, limiti tal-benefiċċju tal-qgħad 2026, leave tal-maternità u parentali), Ministry of Health and Welfare (pensjoni bażika 2026), Ministry of the Interior and Safety (festi), Financial Services Commission (regoli LTV u DSR), Statistics Korea (inflazzjoni, tabelli tal-mortalità 2024), Bank Dinji ICP (livelli tal-prezzijiet).","Income tax on 50 million won of taxable income (before credits)":"Taxxa fuq id-dħul fuq dħul taxxabbli ta’ 50 miljun won (qabel il-krediti)","Earned income deduction on a total salary of 50 million won":"Tnaqqis fuq id-dħul mix-xogħol b’paga totali ta’ 50 miljun won","Earned income tax credit limit at a total salary of 50 million won":"Limitu tal-kreditu fuq id-dħul mix-xogħol b’paga totali ta’ 50 miljun won","Maximum monthly employee national pension contribution from July 2026":"L-ogħla kontribuzzjoni tal-pensjoni ta’ kull xahar tal-ħaddiem minn Lulju 2026","Long-term care premium as a share of the health premium (2026)":"Kontribuzzjoni għall-kura fit-tul bħala sehem mill-kontribuzzjoni tas-saħħa (2026)","Job-seeking benefit days after 10 years of insurance, age 40":"Ġranet ta’ benefiċċju tal-qgħad wara 10 snin assigurati, fl-età ta’ 40","Maximum daily job-seeking benefit (2026)":"L-ogħla benefiċċju tal-qgħad ta’ kuljum (2026)","EPF employee contribution 11%":"Kontribuzzjoni tal-EPF tal-ħaddiem ta’ 11%","SOCSO 0.5% (wages up to RM6,000 a month)":"SOCSO 0.5% (paga sa RM6,000 fix-xahar)","EIS 0.2% (wages up to RM6,000 a month)":"EIS 0.2% (paga sa RM6,000 fix-xahar)","Reliefs (self, EPF, SOCSO/EIS, children)":"Konċessjonijiet (personali, EPF, SOCSO/EIS, tfal)","Employer EPF, SOCSO and EIS":"Kontribuzzjonijiet tal-EPF, SOCSO u EIS ta’ min iħaddem","EPF savings of about {b} at {a}, drawn down evenly over your life expectancy: {m} a month (3% real return assumed). You can withdraw your Retirement Account from 55 as a lump sum or in instalments; EPF withdrawals are not taxed. Private-sector workers get no state pension.":"Bilanċ tal-EPF ta’ madwar {b} fl-età ta’ {a}, minfuq b’mod ugwali tul l-istennija tal-ħajja tiegħek: {m} fix-xahar (b’redditu reali ta’ 3%). Tista’ tiġbed il-kont tal-irtirar tiegħek mill-età ta’ 55, f’daqqa jew f’pagamenti; il-ġbid mill-EPF huwa eżenti mit-taxxa. Il-ħaddiema tas-settur privat ma jirċievux pensjoni tal-istat.","SOCSO Self-Employment Social Security Scheme (about 1.25% of insured income)":"Sigurtà soċjali SOCSO għal min jaħdem għal rasu (madwar 1.25% tad-dħul assigurat)","8 weeks":"8 ġimgħat","Termination benefit (10, 15 or 20 days’ wages per year of service; tax-free up to RM10,000 per completed year)":"Benefiċċju tat-terminazzjoni (10, 15 jew 20 jum ta’ paga għal kull sena ta’ servizz; eżenti mit-taxxa sa RM10,000 għal kull sena sħiħa)","EIS job search allowance: 80% of your insured monthly wage (up to RM6,000) in the first month, then 50%, 40%, 40%, 30% and 30%, for 3 to 6 months depending on your contributions, if you lost your job involuntarily and register on MYFutureJobs":"Benefiċċju tal-EIS għal min ifittex xogħol: 80% tal-paga assigurata ta’ kull xahar tiegħek (sa RM6,000) fl-ewwel xahar, imbagħad 50%, 40%, 40%, 30% u 30%, għal 3 sa 6 xhur skont il-kontribuzzjonijiet, jekk titlef ix-xogħol kontra r-rieda tiegħek u tirreġistra ma’ MYFutureJobs","Days’ wages per year":"jiem ta’ paga fis-sena","Employment Act 1955 s. 12 (unless the contract gives more)":"Employment Act 1955 art. 12 (sakemm il-kuntratt ma jagħtix aktar)","Federal Territory Day":"Jum it-Territorju Federali","Hari Raya Aidilfitri (2nd day)":"Hari Raya Aidilfitri (it-tieni jum)","Wesak Day":"Jum Wesak","Agong’s Birthday":"Għeluq is-sena tas-Sultan (Agong)","National Day (Merdeka)":"Jum Nazzjonali (Merdeka)","Malaysia Day":"Jum il-Malasja","Malaysia":"Il-Malasja","Residents pay progressive rates from 0% on the first RM5,000 of chargeable income to 30% above RM2 million; incomes up to RM35,000 get a RM400 rebate. Reliefs are deducted first: RM9,000 for yourself, your EPF contributions up to RM4,000, SOCSO and EIS up to RM350 and RM2,000 for each child under 18. Employers deduct tax monthly (PCB) and you file a return for the year.":"Ir-residenti jħallsu rati progressivi minn 0% fuq l-ewwel RM5,000 ta’ dħul taxxabbli sa 30% ’il fuq minn RM2 miljun; id-dħul sa RM35,000 jieħu rebate tat-taxxa ta’ RM400. L-ewwel jitnaqqsu l-konċessjonijiet: RM9,000 għalik, il-kontribuzzjonijiet tal-EPF tiegħek sa RM4,000, SOCSO u EIS sa RM350 u RM2,000 għal kull wild taħt it-18. Min iħaddem inaqqas taxxa kull xahar (PCB) u int tippreżenta dikjarazzjoni annwali.","EPF, SOCSO and EIS":"EPF, SOCSO u EIS","Malaysians under 60 pay 11% of their wages into the Employees Provident Fund and employers 13% (12% on monthly wages above RM5,000). SOCSO (0.5% for you, 1.75% for the employer) and the Employment Insurance System (0.2% each) apply to wages up to RM6,000 a month. Foreign workers pay 2% EPF from October 2025.":"Il-Malasjani taħt is-60 iħallsu 11% tal-paga lill-Employees Provident Fund u dawk li jħaddmu 13% (12% fuq pagi ’l fuq minn RM5,000 fix-xahar). Is-SOCSO (0.5% int, 1.75% min iħaddem) u l-Employment Insurance System (0.2% kull wieħed) japplikaw għal pagi sa RM6,000 fix-xahar. Il-ħaddiema barranin iħallsu 2% EPF minn Ottubru 2025.","Employment Act 1955 s. 60A":"Employment Act 1955 art. 60A","Employees earning up to RM4,000 a month must be paid at least 1.5 times the hourly rate for overtime on normal days, 2 times on rest days and 3 times on public holidays. The normal week is at most 45 hours and overtime at most 104 hours a month. Higher earners follow their contract.":"Il-ħaddiema li jaqilgħu sa RM4,000 fix-xahar jitħallsu tal-inqas 1.5 darbiet ir-rata kull siegħa għas-sahra f’ġranet normali, darbtejn f’jiem ta’ mistrieħ u 3 darbiet fil-festi. Il-ġimgħa normali hija ta’ massimu ta’ 45 siegħa u s-sahra hija limitata għal 104 sigħat fix-xahar. Min jaqla’ aktar isegwi l-kuntratt tiegħu.","104 h / month":"104 sigħat / xahar","Self-employed people pay income tax on their business profit at the resident rates with the same personal reliefs and must join the SOCSO Self-Employment Social Security Scheme (fixed contributions by plan). EPF savings through i-Saraan are voluntary, with a government top-up.":"Min jaħdem għal rasu jħallas taxxa fuq id-dħul fuq il-profitt bir-rati tar-residenti bl-istess konċessjonijiet personali u għandu jissieħeb fis-sigurtà soċjali SOCSO għal min jaħdem għal rasu (kontribuzzjonijiet fissi skont il-pjan). It-tfaddil fl-EPF permezz ta’ i-Saraan huwa volontarju, b’kontribuzzjoni pubblika.","Your EPF savings (11% from you and 12–13% from your employer) are split into a Retirement Account (75%), a Wellbeing Account (15%) and a Flexible Account (10%). You can withdraw the Retirement Account from 55, as a lump sum or monthly; EPF dividends and withdrawals are tax-free. The minimum retirement age is 60. Private-sector workers get no state pension.":"It-tfaddil tiegħek fl-EPF (11% minnek u 12–13% minn min iħaddmek) jinqasam bejn kont tal-irtirar (75%), kont tal-benesseri (15%) u kont flessibbli (10%). Tista’ tiġbed il-kont tal-irtirar mill-età ta’ 55, f’daqqa jew kull xahar; id-dividendi u l-ġbid mill-EPF huma eżenti mit-taxxa. L-età minima tal-irtirar hija 60. Il-ħaddiema tas-settur privat ma jirċievux pensjoni tal-istat.","Contributions to a Private Retirement Scheme (PRS) and deferred annuities give a relief of up to RM3,000 a year. Withdrawals from 55 are tax-free; earlier withdrawals are taxed at 8%.":"Il-ħlasijiet fi Private Retirement Scheme (PRS) u f’annwalitajiet differiti jagħtu konċessjoni sa RM3,000 fis-sena. Il-ġbid mill-età ta’ 55 huwa eżenti mit-taxxa; il-ġbid ta’ qabel huwa intaxxat bi 8%.","Private Retirement Scheme (PRS): relief up to RM3,000 a year and tax-free withdrawals from 55. Interest from Malaysian banks is tax-free for individuals.":"Private Retirement Scheme (PRS): konċessjoni sa RM3,000 fis-sena u ġbid eżenti mit-taxxa mill-età ta’ 55. L-imgħax mill-banek Malasjani huwa eżenti għall-individwi.","{h} (replacement holiday)":"{h} (festa sostituta)","The Employment Act gives 8 days of paid annual leave for less than 2 years of service, 12 days for 2 to 5 years and 16 days after 5 years. Kuala Lumpur’s gazetted public holidays are shown (other states differ; employers must give at least 11 paid holidays, including 5 set by law); a holiday on a Sunday moves to Monday. Islamic and lunar dates are shown for the years published.":"L-Employment Act jagħti 8 ijiem ta’ leave imħallas b’inqas minn sentejn servizz, 12-il jum b’2 sa 5 snin u 16-il jum wara 5 snin. Jintwerew il-festi uffiċjali ta’ Kuala Lumpur (stati oħra huma differenti; dawk li jħaddmu għandhom jagħtu mill-inqas 11-il festa mħallsa, 5 minnhom stabbiliti bil-liġi); festa li taħbat il-Ħadd tgħaddi għat-Tnejn. Id-dati Iżlamiċi u lunari jintwerew għas-snin ippubblikati.","98 days":"98 jum","Full pay (after 90 days of service)":"Paga sħiħa (wara 90 jum ta’ impjieg)","7 days (married fathers after 12 months of service)":"7 ijiem (missirijiet miżżewġin wara 12-il xahar ta’ impjieg)","14 days a year (18 after 2 years, 22 after 5), plus up to 60 days in hospital":"14-il jum fis-sena (18 wara sentejn, 22 wara 5), flimkien ma’ sa 60 jum fl-isptar","Retrenched or terminated (not for misconduct)":"Redundancy jew terminazzjoni (mhux għal kondotta ħażina)","Termination benefits":"Benefiċċji tat-terminazzjoni","Employees covered by the termination provisions (wages up to RM4,000 a month) with at least 12 months of service get 10 days’ wages for each year under 2 years, 15 days for 2 to 5 years and 20 days from 5 years, pro rata for part years. Compensation for loss of employment is tax-free up to RM10,000 per completed year of service. Notice is 4, 6 or 8 weeks by service unless the contract gives more.":"Il-ħaddiema koperti mir-regoli tat-terminazzjoni (paga sa RM4,000 fix-xahar) b’mill-inqas 12-il xahar ta’ impjieg jirċievu 10 ijiem ta’ paga għal kull sena taħt is-sentejn, 15-il jum għal 2 sa 5 snin u 20 jum minn 5 snin, proporzjonalment għas-snin mhux sħaħ. Il-kumpens għat-telf tal-impjieg huwa eżenti mit-taxxa sa RM10,000 għal kull sena sħiħa ta’ servizz. Il-preavviż huwa ta’ 4, 6 jew 8 ġimgħat skont is-servizz, sakemm il-kuntratt ma jagħtix aktar.","If you lose your job involuntarily, the EIS pays a job search allowance of 80% of your insured monthly wage (up to RM6,000) in the first month, falling to 30% by the sixth, for 3 to 6 months depending on your contributions, while you look for work through MYFutureJobs.":"Jekk titlef ix-xogħol kontra r-rieda tiegħek, l-EIS iħallas benefiċċju għal min ifittex xogħol ta’ 80% tal-paga assigurata ta’ kull xahar tiegħek (sa RM6,000) fl-ewwel xahar, li jinżel għal 30% sas-sitt xahar, għal 3 sa 6 xhur skont il-kontribuzzjonijiet, waqt li tfittex xogħol permezz ta’ MYFutureJobs.","Lifestyle purchases (books, devices, sports, internet) up to RM2,500, medical insurance and a Private Retirement Scheme (up to RM3,000) are among the reliefs that can lower your tax.":"L-infiq fuq l-istil tal-ħajja (kotba, apparati, sport, internet) sa RM2,500, l-assigurazzjoni medika u Private Retirement Scheme (sa RM3,000) huma fost il-konċessjonijiet li jistgħu jnaqqsu t-taxxa tiegħek.","Spouses are taxed separately; the RM4,000 relief for a spouse without income and the higher child reliefs for children in higher education or with disabilities are not included.":"Il-miżżewġin huma intaxxati separatament; il-konċessjoni ta’ RM4,000 għal konjuġi mingħajr dħul u l-konċessjonijiet ogħla għat-tfal fl-edukazzjoni għolja jew b’diżabilità mhumiex inklużi.","10–20 days’ wages per year (wages up to RM4,000)":"10–20 jum ta’ paga fis-sena (paga sa RM4,000)","80% falling to 30%, 3–6 months":"80%, nieżel għal 30%, 3–6 xhur","98 days at full pay":"98 jum b’paga sħiħa","7 days at full pay":"7 ijiem b’paga sħiħa","14–22 days at full pay":"14–22 jum b’paga sħiħa","Annual EPF, SOCSO, EIS and resident income tax for one Malaysian employee for YA 2026, with the self, EPF, SOCSO/EIS and child reliefs only. Other reliefs (lifestyle, insurance, medical, education), the exact rounding of the EPF and SOCSO tables, monthly PCB timing, bonuses and the rates for foreign workers are not modelled.":"Il-kontribuzzjonijiet annwali tal-EPF, SOCSO u EIS u t-taxxa fuq id-dħul ta’ ħaddiem Malasjan fis-sena tat-taxxa 2026, bil-konċessjonijiet personali, EPF, SOCSO/EIS u għat-tfal biss. Konċessjonijiet oħra (stil tal-ħajja, assigurazzjonijiet, saħħa, edukazzjoni), l-arrotondament eżatt tat-tabelli tal-EPF u s-SOCSO, it-tnaqqis PCB ta’ kull xahar, il-bonusijiet u r-rati għall-barranin ma jiġux ikkalkulati.","Official sources: Inland Revenue Board of Malaysia (resident tax rates and reliefs YA 2026), Employees Provident Fund (contribution rates from October 2025, accounts and withdrawals), PERKESO/SOCSO (SOCSO and EIS rates and wage ceiling, job search allowance), Ministry of Human Resources (Employment Act 1955, termination benefits, leave, overtime), Prime Minister’s Department (public holidays 2026), Bank Negara Malaysia (housing loan rules), Department of Statistics Malaysia (inflation, life tables 2025), World Bank ICP (price levels).":"Sorsi uffiċjali: Inland Revenue Board of Malaysia (rati u konċessjonijiet tas-sena tat-taxxa 2026), Employees Provident Fund (rati tal-kontribuzzjonijiet minn Ottubru 2025, kontijiet u ġbid), PERKESO/SOCSO (rati tas-SOCSO u l-EIS, limitu tal-paga, benefiċċju għal min ifittex xogħol), Ministry of Human Resources (Employment Act 1955, benefiċċji tat-terminazzjoni, leave, sahra), Prime Minister’s Department (festi 2026), Bank Negara Malaysia (regoli tas-self għad-djar), Department of Statistics Malaysia (inflazzjoni, tabelli tal-mortalità 2025), Bank Dinji ICP (livelli tal-prezzijiet).","Resident income tax on RM100,000 of chargeable income":"Taxxa fuq id-dħul tar-residenti fuq dħul taxxabbli ta’ RM100,000","Resident income tax on RM50,000 of chargeable income":"Taxxa fuq id-dħul tar-residenti fuq dħul taxxabbli ta’ RM50,000","Tax on RM30,000 of chargeable income after the RM400 rebate":"Taxxa fuq dħul taxxabbli ta’ RM30,000 wara r-rebate ta’ RM400","Employer EPF at RM6,000 a month (12% above RM5,000)":"L-EPF ta’ min iħaddem b’RM6,000 fix-xahar (12% ’il fuq minn RM5,000)","Maximum monthly employee SOCSO and EIS":"L-ogħla kontribuzzjoni tas-SOCSO u l-EIS ta’ kull xahar tal-ħaddiem","Termination benefit after 6 years at RM3,000 a month":"Benefiċċju tat-terminazzjoni wara 6 snin b’RM3,000 fix-xahar","ONP pension contribution 13%":"Kontribuzzjoni tal-pensjoni ONP ta’ 13%","AFP: 10% to your account, insurance 1.37% and commission (about 1.55%)":"AFP: 10% fil-kont tiegħek, assigurazzjoni 1.37% u kummissjoni (madwar 1.55%)","Income tax (fifth category)":"Taxxa fuq id-dħul (il-ħames kategorija)","Extraordinary bonus 9% on the July and December bonuses (paid to you)":"Bonus straordinarju ta’ 9% fuq il-gratifikazzjonijiet ta’ Lulju u Diċembru (imħallas lilek)","Deduction of 7 UIT":"Tnaqqis ta’ 7 UIT","EsSalud health insurance 9% (employer)":"Assigurazzjoni tas-saħħa EsSalud 9% (min iħaddem)","CTS deposits a year (severance fund, not taxed; about one month’s pay)":"Depożiti tas-CTS fis-sena (fond tat-tluq, eżenti mit-taxxa; madwar paga ta’ xahar)","ONP pension: 30% of your average pay of the last 5 years plus 2% for each year above 20, limited to S/ 600–1,000 a month in 2026: {p} a month.":"Pensjoni tal-ONP: 30% tal-paga medja tiegħek tal-aħħar 5 snin flimkien ma’ 2% għal kull sena ’l fuq minn 20, limitata għal S/ 600–1,000 fix-xahar fl-2026: {p} fix-xahar.","AFP account of about {b} at {a}, paid as a pension over your life expectancy: {m} a month (3% real return assumed). Since 2025 a minimum pension of S/ 600 applies to AFP members with 20 years of contributions.":"Kont tal-AFP ta’ madwar {b} fl-età ta’ {a}, imħallas bħala annwalità tul l-istennija tal-ħajja tiegħek: {m} fix-xahar (b’redditu reali ta’ 3%). Mill-2025 tapplika pensjoni minima ta’ S/ 600 għall-membri tal-AFP b’20 sena ta’ kontribuzzjonijiet.","No compulsory contributions for independent workers (voluntary ONP or AFP)":"L-ebda kontribuzzjoni obbligatorja għal min jaħdem għal rasu (ONP jew AFP volontarju)","Compensation for arbitrary dismissal (1.5 months’ pay per year, at most 12; not taxed)":"Kumpens għal tkeċċija arbitrarja (1.5 pagi ta’ xahar għal kull sena, mhux aktar minn 12; eżenti mit-taxxa)","{m} months’ pay":"{m} pagi ta’ xahar","No notice: the employer needs a just cause (you give 30 days to resign)":"L-ebda terminu: min iħaddem jeħtieġ raġuni ġusta (jekk tirriżenja, tagħti 30 jum)","D.S. 003-97-TR art. 18 and 22":"D.S. 003-97-TR art. 18 u 22","Peru has no unemployment insurance; your CTS deposits (about one month’s pay a year) serve as a severance fund.":"Il-Perù m’għandux assigurazzjoni kontra l-qgħad; id-depożiti tas-CTS tiegħek (madwar paga ta’ xahar fis-sena) iservu bħala fond tat-tluq.","Peru":"Il-Perù","Pension system":"Sistema tal-pensjoni","AFP (private account)":"AFP (kont privat)","ONP (national system)":"ONP (sistema pubblika)","Employment income (fifth category) is taxed after deducting 7 UIT (S/ 38,500 in 2026): 8% up to 5 UIT, 14% to 20 UIT, 17% to 35 UIT, 20% to 45 UIT and 30% above. Up to 3 more UIT can be deducted for rent, restaurants and some services paid by card (not included). Employers withhold the tax monthly.":"Id-dħul mix-xogħol (il-ħames kategorija) huwa intaxxat wara tnaqqis ta’ 7 UIT (S/ 38,500 fl-2026): 8% sa 5 UIT, 14% sa 20 UIT, 17% sa 35 UIT, 20% sa 45 UIT u 30% fuq dan. Jistgħu jitnaqqsu sa 3 UIT oħra għall-kera, ristoranti u xi servizzi mħallsa bil-kard (mhux inkluż). Min iħaddem inaqqas it-taxxa kull xahar.","Bonuses and CTS":"Gratifikazzjonijiet u CTS","Employees receive two bonuses (gratificaciones) of one month’s pay in July and December, plus an extra 9% of them because no EsSalud contribution is due on them. The employer also deposits the CTS, about one month’s pay a year, in a bank account in May and November; it is not taxed.":"Il-ħaddiema jirċievu żewġ gratifikazzjonijiet ta’ paga ta’ xahar kull waħda f’Lulju u Diċembru, flimkien ma’ 9% żejda għax ma titħallasx kontribuzzjoni tal-EsSalud fuqhom. Min iħaddem jiddepożita wkoll is-CTS, madwar paga ta’ xahar fis-sena, f’kont bankarju f’Mejju u Novembru; din hija eżenti mit-taxxa.","Pensions":"Pensjonijiet","You choose between the national system ONP (13% of pay) and a private AFP account (10% of pay plus an insurance premium of 1.37% and the AFP’s commission). The employer pays 9% for EsSalud health insurance.":"Tagħżel bejn is-sistema pubblika ONP (13% tal-paga) u kont privat tal-AFP (10% tal-paga flimkien ma’ primjum tal-assigurazzjoni ta’ 1.37% u l-kummissjoni tal-AFP). Min iħaddem iħallas 9% għall-assigurazzjoni tas-saħħa EsSalud.","D.S. 007-2002-TR":"D.S. 007-2002-TR","Overtime is paid at least 25% extra for the first two hours a day and 35% after that. The normal maximum is 8 hours a day or 48 hours a week; overtime is voluntary. Work on the weekly rest day or a public holiday without a day off in exchange is paid double.":"Is-sahra titħallas b’żieda ta’ mill-inqas 25% għall-ewwel sagħtejn tal-ġurnata u 35% wara. Il-ħinijiet normali huma massimu ta’ 8 sigħat kuljum jew 48 fil-ġimgħa, u s-sahra hija volontarja. Ix-xogħol fil-jum ta’ mistrieħ ta’ kull ġimgħa jew f’festa mingħajr mistrieħ sostitut jitħallas doppju.","Voluntary; 48 h / week normal":"Volontarja; normalment 48 siegħa / ġimgħa","Independent workers":"Min jaħdem għal rasu","Fees (fourth category income) are taxed after deducting 20% (up to 24 UIT) and the 7 UIT, at the same rates as employment income; clients withhold 8% on receipts above S/ 1,500. Pension contributions are voluntary for independent workers.":"Il-ħlasijiet professjonali (dħul tar-raba’ kategorija) huma intaxxati bl-istess rati tad-dħul mix-xogħol wara tnaqqis ta’ 20% (sa 24 UIT) u s-7 UIT; il-klijenti jżommu 8% fuq irċevuti ’l fuq minn S/ 1,500. Il-kontribuzzjonijiet tal-pensjoni huma volontarji għal min jaħdem għal rasu.","ONP and AFP":"ONP u AFP","The ONP pays a pension from 65 after 20 years of contributions: 30% of your average pay of the last five years plus 2% for each further year, between S/ 600 and S/ 1,000 a month in 2026. AFP members receive a pension from their account (or can take most of it as a lump sum); since 2025 a minimum pension applies after 20 years.":"L-ONP tħallas pensjoni mill-età ta’ 65 wara 20 sena ta’ kontribuzzjonijiet: 30% tal-paga medja tiegħek tal-aħħar ħames snin flimkien ma’ 2% għal kull sena żejda, bejn S/ 600 u S/ 1,000 fix-xahar fl-2026. Il-membri tal-AFP jirċievu pensjoni mill-kont tagħhom (jew jistgħu jiġbdu l-biċċa l-kbira f’daqqa); mill-2025 tapplika pensjoni minima wara 20 sena.","Voluntary contributions to an AFP account are not deductible from income tax, but their returns are tax-free.":"Il-ħlasijiet volontarji f’kont tal-AFP ma jitnaqqsux mit-taxxa fuq id-dħul, iżda r-redditu tagħhom huwa eżenti mit-taxxa.","Voluntary AFP contributions: no tax deduction, but returns and withdrawals are not taxed. Interest on deposits in Peruvian banks is exempt for individuals until the end of 2026.":"Ħlasijiet volontarji fl-AFP: l-ebda tnaqqis tat-taxxa, iżda r-redditu u l-ġbid huma eżenti mit-taxxa. L-imgħax fuq id-depożiti fil-banek Peruvjani huwa eżenti għall-individwi sal-aħħar tal-2026.","Holy Thursday":"Ħamis ix-Xirka","Battle of Arica and Flag Day":"Il-Battalja ta’ Arica u Jum il-Bandiera","Saints Peter and Paul":"San Pietru u San Pawl","Peruvian Air Force Day":"Jum il-Forza tal-Ajru Peruvjana","Independence Day (2nd day)":"Jum l-Indipendenza (it-tieni jum)","Battle of Junín":"Il-Battalja ta’ Junín","Saint Rose of Lima":"Santa Rosa ta’ Lima","Battle of Angamos":"Il-Battalja ta’ Angamos","Battle of Ayacucho":"Il-Battalja ta’ Ayacucho","Employees who worked a full year get 30 calendar days of paid holiday (about 22 working days on a 5-day week); they can sell up to 15 of them back to the employer. There are 16 national public holidays; those on weekends are not moved.":"Min ikun ħadem sena sħiħa għandu 30 jum kalendarju ta’ leave imħallas (madwar 22 jum tax-xogħol b’ġimgħa ta’ 5 ijiem); sa 15 minnhom jistgħu jinbiegħu lil min iħaddem. Hemm 16-il festa nazzjonali; jekk jaħbtu fi tmiem il-ġimgħa ma jiċċaqilqux.","100% of pay (EsSalud subsidy)":"100% tal-paga (benefiċċju tal-EsSalud)","10 calendar days":"10 ijiem kalendarji","The employer pays the first 20 days a year, then EsSalud":"Min iħaddem iħallas l-ewwel 20 jum tas-sena, imbagħad l-EsSalud","Arbitrary dismissal":"Tkeċċija arbitrarja","An employer may dismiss only for a just cause related to conduct or capacity. Without one, an employee on an open-ended contract receives 1.5 months’ pay for each full year of service (pro rata for months), at most 12 months’ pay, tax-free. You also keep your CTS fund and receive the unpaid part of the bonuses and holiday pay.":"Min iħaddem jista’ jkeċċi biss għal raġuni ġusta marbuta mal-kondotta jew mal-kapaċità. Mingħajrha, ħaddiem b’kuntratt indefinit jirċievi 1.5 pagi ta’ xahar għal kull sena sħiħa ta’ servizz (proporzjonalment għax-xhur), sa 12-il paga ta’ xahar, eżenti mit-taxxa. Iżżomm ukoll il-fond tas-CTS tiegħek u tirċievi s-sehem dovut tal-gratifikazzjonijiet u tal-ħlas tal-leave.","Ask for an electronic receipt when you pay rent, restaurants or some professional services: 20% of these can be deducted, up to 3 UIT a year.":"Itlob irċevuta elettronika meta tħallas kera, ristoranti jew ċerti servizzi: 20% huwa deduċibbli, sa 3 UIT fis-sena.","Spouses are taxed separately and there is no allowance for children; the family allowance (10% of the minimum wage for workers with children, paid by many employers) is not included.":"Il-miżżewġin huma intaxxati separatament u m’hemmx konċessjoni għat-tfal; l-allowance tal-familja (10% tal-paga minima għall-ħaddiema bit-tfal, li ħafna minn dawk li jħaddmu jħallsuha) mhijiex inkluża.","1.5 months’ pay per year, at most 12":"1.5 pagi ta’ xahar fis-sena, mhux aktar minn 12","None (just cause needed)":"Xejn (meħtieġa raġuni ġusta)","No unemployment insurance (CTS fund)":"L-ebda assigurazzjoni kontra l-qgħad (fond tas-CTS)","100% (employer, then EsSalud)":"100% (min iħaddem, imbagħad l-EsSalud)","Annual pension contributions and income tax for one employee with the 2026 rules (UIT S/ 5,500), with the two bonuses and their 9% extra. The additional 3 UIT deduction for expenses, AFP commissions by fund, the cap on the insurance premium, the family allowance and the CTS fund itself are not modelled.":"Il-kontribuzzjonijiet annwali tal-pensjoni u t-taxxa fuq id-dħul ta’ ħaddiem skont ir-regoli tal-2026 (UIT S/ 5,500), biż-żewġ gratifikazzjonijiet u d-9% żejda tagħhom. It-tnaqqis addizzjonali ta’ 3 UIT għall-infiq, il-kummissjonijiet ta’ kull AFP, il-limitu tal-primjum tal-assigurazzjoni, l-allowance tal-familja u l-fond tas-CTS innifsu ma jiġux ikkalkulati.","Official sources: SUNAT and Ley del Impuesto a la Renta (fifth and fourth category rates), Ministry of Economy and Finance (UIT 2026, D.S. 301-2025-EF), SBS (AFP contributions, insurance premium and commissions), ONP (minimum and maximum pensions 2026, Ley 32123), Ministry of Labour (gratificaciones, CTS, dismissal, working hours, holidays, leave), EsSalud (health insurance and maternity subsidy), Central Reserve Bank of Peru (exchange rate), INEI (inflation), World Bank ICP (price levels).":"Sorsi uffiċjali: SUNAT u Ley del Impuesto a la Renta (rati tal-ħames u r-raba’ kategorija), Ministeru tal-Ekonomija u l-Finanzi (UIT 2026, D.S. 301-2025-EF), SBS (kontribuzzjonijiet tal-AFP, primjum tal-assigurazzjoni u kummissjonijiet), ONP (pensjonijiet minimi u massimi 2026, Ley 32123), Ministeru tax-Xogħol (gratifikazzjonijiet, CTS, tkeċċija, ħinijiet, festi, leave), EsSalud (assigurazzjoni tas-saħħa u benefiċċju tal-maternità), Bank Ċentrali tal-Perù (rata tal-kambju), INEI (inflazzjoni), Bank Dinji ICP (livelli tal-prezzijiet).","Income tax on S/ 100,000 of employment income (after 7 UIT)":"Taxxa fuq id-dħul fuq S/ 100,000 dħul mix-xogħol (wara 7 UIT)","Tax-free amount (7 UIT) in 2026":"Ammont eżenti (7 UIT) fl-2026","ONP contribution rate":"Rata tal-kontribuzzjoni tal-ONP","Maximum ONP pension a month (2026)":"L-ogħla pensjoni tal-ONP ta’ kull xahar (2026)","Compensation for arbitrary dismissal after 10 years (months of pay)":"Kumpens għal tkeċċija arbitrarja wara 10 snin (pagi ta’ xahar)","Pension contribution 15% (BPS and AFAP)":"Kontribuzzjoni tal-pensjoni 15% (BPS u AFAP)","FONASA health insurance":"Assigurazzjoni tas-saħħa FONASA","Labour Reconversion Fund 0.1%":"Fond għar-Rikonverżjoni tax-Xogħol 0.1%","IRPF income tax":"Taxxa IRPF","Employer contributions (pension 7.5%, FONASA 5%, FRL and FGCL)":"Kontribuzzjonijiet ta’ min iħaddem (pensjoni 7.5%, FONASA 5%, FRL u FGCL)","Estimate: {r} of your average pay of the last 20 years ({p} a month), paid 13 times a year. The actual pension combines the BPS benefit and the AFAP annuity under Ley 20.130, with a supplement for low pensions.":"Stima: {r} tal-paga medja tiegħek tal-aħħar 20 sena ({p} fix-xahar), imħallsa 13-il darba fis-sena. Il-pensjoni attwali tgħaqqad il-benefiċċju tal-BPS u l-annwalità tal-AFAP skont il-Ley 20.130, b’supplement għall-pensjonijiet baxxi.","Pension and FONASA contributions on a notional category (estimate)":"Kontribuzzjonijiet tal-pensjoni u tal-FONASA fuq kategorija fittizja (stima)","Dismissal compensation (one month’s pay per year or part year, at most 6; not taxed)":"Kumpens għat-tkeċċija (paga ta’ xahar għal kull sena jew parti minnha, mhux aktar minn 6; eżenti mit-taxxa)","Unemployment insurance for 6 months: 66% of your average pay in the first month, falling to 40% in the sixth, if you contributed for at least 6 months in the last 12":"Assigurazzjoni kontra l-qgħad għal 6 xhur: 66% tal-paga medja tiegħek fl-ewwel xahar, li tinżel għal 40% sas-sitt xahar, jekk għandek mill-inqas 6 xhur ta’ kontribuzzjonijiet fl-aħħar 12","No legal notice period":"L-ebda preavviż legali","Ley 10.489 (compensation instead of notice)":"Ley 10.489 (kumpens minflok preavviż)","Uruguay":"L-Urugwaj","Employment income is taxed monthly on a scale in BPC ($6,864 in 2026): nothing up to 7 BPC, then 10% to 36% above 115 BPC; income above 10 BPC is first increased by 6%. Your contributions, $11,440 a month for each child and other deductions reduce the tax at 14% (8% if you earn more than 15 BPC a month). An annual return can settle differences.":"Id-dħul mix-xogħol huwa intaxxat kull xahar skont skala f’BPC ($6,864 fl-2026): xejn sa 7 BPC, imbagħad minn 10% sa 36% ’il fuq minn 115 BPC; id-dħul ’il fuq minn 10 BPC l-ewwel jiżdied b’6%. Il-kontribuzzjonijiet tiegħek, $11,440 fix-xahar għal kull wild u tnaqqisijiet oħra jnaqqsu t-taxxa bi 14% (8% jekk taqla’ aktar minn 15 BPC fix-xahar). Dikjarazzjoni annwali tirranġa d-differenzi.","You pay 15% for your pension (to the BPS and, above the first band, to your AFAP account), 3–6% for FONASA health insurance (more with children or a spouse covered) and 0.1% to the labour fund. The employer pays 7.5% for pensions, 5% for FONASA and small funds. A 13th salary (aguinaldo) is paid in June and December.":"Tħallas 15% għall-pensjoni (lill-BPS u, ’il fuq mill-ewwel faxxa, fil-kont tal-AFAP tiegħek), 3–6% għall-assigurazzjoni tas-saħħa FONASA (aktar bi tfal jew sieħeb koperti) u 0.1% lill-fond tax-xogħol. Min iħaddem iħallas 7.5% għall-pensjoni, 5% għall-FONASA u fondi żgħar. It-13-il paga (aguinaldo) titħallas f’Ġunju u Diċembru.","Ley 15.996":"Ley 15.996","Overtime on working days is paid double (100% extra) and on rest days and public holidays 150% extra. Overtime is limited to 8 hours a week. Night work from 22:00 to 06:00 of at least 5 hours earns at least 20% extra (Ley 19.313).":"Is-sahra fil-ġranet tax-xogħol titħallas doppju (żieda ta’ 100%), u fil-jiem ta’ mistrieħ u l-festi b’żieda ta’ 150%. Is-sahra hija limitata għal 8 sigħat fil-ġimgħa. Ix-xogħol bil-lejl mill-22 sas-6 għal mill-inqas 5 sigħat jagħti żieda ta’ mill-inqas 20% (Ley 19.313).","8 h / week":"8 sigħat / ġimgħa","Professionals":"Professjonisti","Self-employed professionals pay IRPF on their fees after a notional 30% for expenses (or IRAE if they choose), plus contributions to their professional pension fund or the BPS on a chosen category and FONASA. Small businesses can use the monotributo instead.":"Il-professjonisti indipendenti jħallsu IRPF fuq il-ħlasijiet tagħhom wara 30% fissi għall-infiq (jew IRAE jekk jagħżlu), flimkien ma’ kontribuzzjonijiet lill-fond professjonali tagħhom jew lill-BPS f’kategorija magħżula u lill-FONASA. In-negozji żgħar jistgħu jużaw minflok il-monotributo.","Under the 2023 reform (Ley 20.130) the retirement age rises gradually to 65 for people born from 1973, with at least 30 years of service. The pension combines a BPS benefit and an annuity from your AFAP account, with a supplement that raises low pensions; working after the minimum age raises it.":"Bir-riforma tal-2023 (Ley 20.130), l-età tal-irtirar togħla gradwalment għal 65 għal dawk imwielda mill-1973, b’mill-inqas 30 sena ta’ servizz. Il-pensjoni tgħaqqad benefiċċju tal-BPS u annwalità mill-kont tal-AFAP tiegħek, b’supplement li jgħolli l-pensjonijiet baxxi; ix-xogħol wara l-età minima jżidha.","Voluntary savings in an AFAP account are not deductible from IRPF.":"It-tfaddil volontarju f’kont tal-AFAP ma jitnaqqasx mill-IRPF.","Voluntary AFAP savings: no tax deduction. Interest on bank deposits is taxed at 12% under IRPF (lower rates for some peso deposits).":"Tfaddil volontarju fl-AFAP: l-ebda tnaqqis tat-taxxa. L-imgħax fuq id-depożiti bankarji huwa intaxxat bi 12% IRPF (rati aktar baxxi għal xi depożiti f’pesos).","Family Day (Christmas)":"Jum il-Familja (il-Milied)","Employees get 20 working days of paid leave a year, plus 1 day for every 4 years of service from the 5th year, and a vacation bonus (salario vacacional) of about the net pay for those days. Only 5 public holidays are paid days off; Carnival, Tourism Week and the other holidays are working days unless agreed otherwise.":"Il-ħaddiema għandhom 20 jum tax-xogħol ta’ leave imħallas fis-sena, b’jum aktar kull 4 snin mill-ħames sena ta’ servizz, u ħlas tal-leave (salario vacacional) ta’ madwar il-paga netta għal dawk il-ġranet. Ħames festi biss huma ġranet liberi mħallsa; il-Karnival, il-Ġimgħa tat-Turiżmu u l-festi l-oħra huma ġranet tax-xogħol sakemm ma jkunx miftiehem mod ieħor.","100% of pay (BPS)":"100% tal-paga (BPS)","13 days (3 from the employer, 10 from the BPS)":"13-il jum (3 minn min iħaddem, 10 mill-BPS)","Part-time parental care":"Part-time għall-kura","Half-time work until the baby is 6 months old":"Xogħol ta’ nofs jum sakemm it-tarbija tagħlaq 6 xhur","Full pay (BPS pays the half not worked)":"Paga sħiħa (il-BPS iħallas in-nofs mhux maħdum)","From the 4th day":"Mir-raba’ jum","70% of pay (BPS)":"70% tal-paga (BPS)","Dismissed":"Tkeċċija","Dismissal and unemployment":"Tkeċċija u qgħad","A dismissed monthly-paid employee receives one month’s pay for each year or part year of service, up to 6 months, tax-free; there is no notice period. Unemployment insurance pays monthly-paid workers 66% of their average pay in the first month, falling to 40% in the sixth, after at least 6 months of contributions in the last 12.":"Ħaddiem b’paga ta’ kull xahar li jitkeċċa jirċievi paga ta’ xahar għal kull sena jew parti minnha ta’ servizz, mhux aktar minn 6, eżenti mit-taxxa; m’hemmx preavviż. L-assigurazzjoni kontra l-qgħad tħallas lill-ħaddiema b’paga ta’ kull xahar 66% tal-paga medja tagħhom fl-ewwel xahar, li tinżel għal 40% sas-sitt xahar, wara mill-inqas 6 xhur ta’ kontribuzzjonijiet fl-aħħar 12.","Each child under 18 adds $11,440 a month to your IRPF deductions, which lower the tax by 14% of that amount (8% if you earn more than 15 BPC a month).":"Kull wild taħt it-18 iżid it-tnaqqisijiet tal-IRPF tiegħek b’$11,440 fix-xahar, li jnaqqsu t-taxxa bi 14% ta’ dak l-ammont (8% jekk taqla’ aktar minn 15 BPC fix-xahar).","Couples can file IRPF jointly when both have income below a limit (not modelled). The child deduction of 20 BPC a year is split between the parents; family allowances are not included.":"Il-koppji jistgħu jippreżentaw l-IRPF flimkien jekk it-tnejn ikunu taħt limitu tad-dħul (mhux ikkalkulat). It-tnaqqis għat-tfal ta’ 20 BPC fis-sena jinqasam bejn il-ġenituri; il-benefiċċji tal-familja mhumiex inklużi.","One month per year, at most 6":"Paga ta’ xahar fis-sena, mhux aktar minn 6","66% falling to 40%, 6 months":"66%, nieżel għal 40%, 6 xhur","14 weeks at full pay":"14-il ġimgħa b’paga sħiħa","13 days at full pay":"13-il jum b’paga sħiħa","Half-time until 6 months":"Nofs jum sa 6 xhur","70% from day 4":"70% mir-raba’ jum","Monthly IRPF and contributions for one employee with the 2026 values (BPC $6,864), for 12 salaries plus the aguinaldo. The pension contribution ceiling is an estimate; the FONASA spouse rate and annual cap, other deductions (rent, solidarity fund), the vacation bonus and the annual IRPF settlement are not modelled.":"L-IRPF u l-kontribuzzjonijiet ta’ kull xahar ta’ ħaddiem bil-valuri tal-2026 (BPC $6,864), għal 12-il paga flimkien mal-aguinaldo. Il-limitu tal-kontribuzzjonijiet tal-pensjoni huwa stima; ir-rata tal-FONASA għas-sieħeb u l-limitu annwali, tnaqqisijiet oħra (kera, Fond tas-Solidarjetà), il-ħlas tal-leave u r-rikonċiljazzjoni annwali tal-IRPF ma jiġux ikkalkulati.","Official sources: Banco de Previsión Social (IRPF scales and values 2026, comunicado R 5/2026; contribution rates; unemployment insurance; maternity and paternity leave), Dirección General Impositiva (IRPF), Decree 11/026 (BPC 2026), Ministry of Labour and Social Security (holidays, leave, dismissal, overtime), Ley 20.130 (pension reform), Central Bank of Uruguay (exchange rate), INE (inflation), World Bank ICP (price levels).":"Sorsi uffiċjali: Banco de Previsión Social (skali u valuri tal-IRPF 2026, komunikazzjoni R 5/2026; rati tal-kontribuzzjonijiet; assigurazzjoni kontra l-qgħad; leave tal-maternità u tal-paternità), Dirección General Impositiva (IRPF), Digriet 11/026 (BPC 2026), Ministeru tax-Xogħol u s-Sigurtà Soċjali (festi, leave, tkeċċija, sahra), Ley 20.130 (riforma tal-pensjonijiet), Bank Ċentrali tal-Urugwaj (rata tal-kambju), INE (inflazzjoni), Bank Dinji ICP (livelli tal-prezzijiet).","IRPF scale on $100,000 of monthly income (before deductions and the 6% increase)":"Skala tal-IRPF fuq dħul ta’ kull xahar ta’ $100,000 (qabel it-tnaqqisijiet u ż-żieda ta’ 6%)","Monthly tax-free minimum (7 BPC)":"Minimu mhux taxxabbli ta’ kull xahar (7 BPC)","Monthly deduction for a child (20 BPC a year)":"Tnaqqis ta’ kull xahar għal wild wieħed (20 BPC fis-sena)","Dismissal compensation after 10 years (months of pay)":"Kumpens għat-tkeċċija wara 10 snin (pagi ta’ xahar)","Your voluntary MPF contributions":"Il-kontribuzzjonijiet volontarji tiegħek tal-MPF","Your IRP and pension savings":"L-IRP u t-tfaddil għall-pensjoni tiegħek","Your PRS":"Il-PRS tiegħek","Ad valorem stamp duty (Scale 2, rates from 26 February 2026)":"Taxxa tal-bolla skont il-valur (skala 2, rati mis-26 ta’ Frar 2026)","Solicitor, land registry and mortgage fees (estimate)":"Avukat, reġistru tal-art u spejjeż tal-ipoteka (stima)","Acquisition tax (1% up to 600 million won, rising to 3% at 900 million) and local education tax":"Taxxa fuq l-akkwist (1% sa 600 miljun won, togħla għal 3% f’900 miljun) u taxxa lokali għall-edukazzjoni","Registration, housing bond, broker and loan fees (estimate, about 0.6%)":"Reġistrazzjoni, bond tad-djar, aġent u spejjeż tas-self (stima, madwar 0.6%)","Stamp duty on the transfer: exempt for a Malaysian first-time buyer up to RM500,000":"Taxxa tal-bolla fuq it-trasferiment: eżenzjoni għax-xerrejja Malasjani tal-ewwel dar sa RM500,000","Stamp duty on the transfer (1% to 4%)":"Taxxa tal-bolla fuq it-trasferiment (1% sa 4%)","Stamp duty on the loan agreement 0.5%":"Taxxa tal-bolla fuq il-ftehim tas-self 0.5%","Legal fees for the sale and the loan (estimate, about 1%)":"Spejjeż legali tax-xiri u tas-self (stima, madwar 1%)","Not modelled: home loan interest is deductible from salaries tax up to $100,000 a year for up to 20 years of assessment.":"Mhux ikkalkulat: l-imgħax fuq is-self għad-dar jista’ jitnaqqas mis-Salaries Tax sa $100,000 fis-sena għal sa 20 sena tat-taxxa.","Not modelled: interest on a long-term mortgage for a modest home can be deducted from income, under conditions on the loan, the home price and your situation.":"Mhux ikkalkulat: l-imgħax fuq self għad-dar fit-tul għal dar modesta jista’ jitnaqqas mid-dħul b’kundizzjonijiet fuq is-self, il-prezz u s-sitwazzjoni tiegħek.","Not modelled: Malaysian first-time buyers of a home up to RM750,000 bought in 2025–2027 can deduct up to RM7,000 of loan interest a year for 3 years (RM5,000 above RM500,000).":"Mhux ikkalkulat: ix-xerrejja Malasjani tal-ewwel dar sa RM750,000 mixtrija fl-2025–2027 jistgħu jnaqqsu sa RM7,000 imgħax fis-sena għal 3 snin (RM5,000 ’il fuq minn RM500,000).","Hong Kong Monetary Authority: since October 2024 loans for any residential property are at most 70% of the value and debt servicing at most 50% of income; the Mortgage Insurance Programme lets banks lend more for some first homes.":"Hong Kong Monetary Authority: minn Ottubru 2024 is-self għal kull proprjetà residenzjali huwa massimu ta’ 70% tal-valur u s-servizz tad-dejn massimu ta’ 50% tad-dħul; il-Mortgage Insurance Programme jippermetti lill-banek jisilfu aktar għal xi djar tal-ewwel darba.","Financial Services Commission: loans at most 70% of the value outside regulated areas (40% in regulated areas such as Seoul), and all debt payments at most 40% of income under the stress DSR rules.":"Financial Services Commission: self massimu ta’ 70% tal-valur barra ż-żoni regolati (40% f’żoni regolati bħal Seoul) u l-pagamenti tad-djun kollha flimkien massimu ta’ 40% tad-dħul skont ir-regoli tad-DSR bi stress.","Bank Negara Malaysia: at most 70% of the value for a third or later housing loan; first and second homes usually up to 90%, with debt service limits set by each bank (often 60–70% of net income).":"Bank Negara Malaysia: massimu ta’ 70% tal-valur għat-tielet self għad-dar jew ta’ wara; l-ewwel u t-tieni dar normalment jiġu ffinanzjati sa 90%, b’limiti tas-servizz tad-dejn li jistabbilixxi kull bank (spiss 60–70% tad-dħul nett).","Statutory holidays on weekdays in 2026 (with days in lieu)":"Festi statutorji fil-ġranet tax-xogħol fl-2026 (bil-ġranet sostituti)","Public holidays on weekdays in 2026 (with substitute holidays and Workers’ Day)":"Festi fil-ġranet tax-xogħol fl-2026 (bil-festi sostituti u Jum il-Ħaddiem)","Annual leave after one year (days)":"Leave annwali wara sena (ġranet)","Kuala Lumpur public holidays on weekdays in 2026 (with replacement days)":"Festi ta’ Kuala Lumpur fil-ġranet tax-xogħol fl-2026 (bil-ġranet sostituti)","Ad valorem stamp duty on a $10,000,000 home":"Taxxa tal-bolla skont il-valur fuq dar ta’ $10,000,000","Acquisition tax and education tax on an 800 million won home":"Taxxa fuq l-akkwist u għall-edukazzjoni fuq dar ta’ 800 miljun won","Stamp duty on the transfer of a RM600,000 home (not a first home)":"Taxxa tal-bolla fuq it-trasferiment ta’ dar ta’ RM600,000 (mhux l-ewwel dar)","MPF is projected with a 3% real return on the mandatory contributions and drawn down evenly over your life expectancy; actual returns depend on your funds and fees. The means-tested Old Age Living Allowance is not included.":"L-MPF jiġi pproġettat b’redditu reali ta’ 3% fuq il-kontribuzzjonijiet obbligatorji u minfuq b’mod ugwali tul l-istennija tal-ħajja tiegħek; ir-redditu attwali jiddependi mill-fondi u t-tariffi tiegħek. L-Old Age Living Allowance ibbażata fuq il-mezzi mhijiex inkluża.","Estimate: the national pension uses the 2026 replacement rate of 43% for all your years and your average pay in today’s money; older periods had higher rates and the official revaluation is not applied. Your National Pension Service statement gives your own figure.":"Stima: il-pensjoni tal-istat tuża r-rata ta’ sostituzzjoni ta’ 43% tal-2026 għas-snin kollha tiegħek u l-paga medja tiegħek fi flus tal-lum; il-perjodi ta’ qabel kellhom rati ogħla u r-rivalutazzjoni uffiċjali ma tiġix applikata. Id-dikjarazzjoni tiegħek tan-National Pension Service turi l-ammont tiegħek.","EPF is projected with a 3% real return (dividends have been around 5–6% a year) and drawn down evenly over your life expectancy; withdrawals for housing, education or health before 55 reduce it.":"L-EPF jiġi pproġettat b’redditu reali ta’ 3% (id-dividendi kienu madwar 5–6% fis-sena) u minfuq b’mod ugwali tul l-istennija tal-ħajja tiegħek; il-ġbid għad-dar, l-edukazzjoni jew is-saħħa qabel il-55 inaqqsu.","Severance pay uses your monthly gross as the average wage; bonuses and allowances in the last three months can raise it. The job-seeking benefit days assume your years of service are your insured period.":"Il-ħlas tat-tluq juża l-paga gross ta’ kull xahar tiegħek bħala paga medja; il-bonusijiet u l-allowances tal-aħħar tliet xhur jistgħu jżiduh. Il-ġranet tal-benefiċċju tal-qgħad jassumu li s-snin ta’ servizz tiegħek huma l-perjodu assigurat tiegħek.","Statutory termination benefits apply to wages up to RM4,000 a month; above that the contract decides. The job search allowance assumes contributions in every month of the last two years for 6 months (3 months for less than 2 years of service).":"Il-benefiċċji statutorji tat-terminazzjoni japplikaw għal pagi sa RM4,000 fix-xahar; ’il fuq minn hekk jiddeċiedi l-kuntratt. Il-benefiċċju għal min ifittex xogħol għal 6 xhur jeħtieġ kontribuzzjonijiet f’kull xahar tal-aħħar sentejn (3 xhur b’inqas minn sentejn servizz).","Your voluntary AFP savings":"It-tfaddil volontarju tiegħek fl-AFP","Your voluntary AFAP savings":"It-tfaddil volontarju tiegħek fl-AFAP","Alcabala 3% on the value above 10 UIT (S/ 55,000), paid by the buyer":"Alcabala ta’ 3% fuq il-valur ’il fuq minn 10 UIT (S/ 55,000), imħallsa mix-xerrej","Notary, public registry and loan fees (estimate, about 1%)":"Nutar, reġistru pubbliku u spejjeż tas-self (stima, madwar 1%)","Property transfer tax (ITP) 2% paid by the buyer":"Taxxa fuq it-trasferiment tal-proprjetà (ITP) ta’ 2% imħallsa mix-xerrej","Notary fees incl. VAT and registry (estimate, about 4%)":"Tariffi tan-nutar inkluża l-VAT u r-reġistru (stima, madwar 4%)","No relief for a home you live in (social housing programmes have their own subsidies).":"L-ebda għajnuna għad-dar li tgħix fiha (il-programmi tad-djar soċjali għandhom is-sussidji tagħhom).","No binding loan-to-value limits: banks usually lend up to 80–90% of the value (Fondo MiVivienda programmes for lower prices) and keep the payment at about 30–40% of income.":"L-ebda limitu vinkolanti fuq is-self: il-banek normalment isilfu sa 80–90% tal-valur (programmi tal-Fondo MiVivienda għal prezzijiet aktar baxxi) u jżommu l-pagament madwar 30–40% tad-dħul.","No binding loan-to-value limits: the BHU and banks usually lend up to 80–90% of the value in indexed units (UI) and keep the payment at about 30% of household income.":"L-ebda limitu vinkolanti fuq is-self: il-BHU u l-banek normalment isilfu sa 80–90% tal-valur f’unitajiet indiċjati (UI) u jżommu l-pagament madwar 30% tad-dħul tad-dar.","Paid non-working holidays on weekdays in 2026":"Festi mħallsa mhux tax-xogħol fil-ġranet tax-xogħol fl-2026","Alcabala on a S/ 500,000 home":"Alcabala fuq dar ta’ S/ 500,000","Property transfer tax paid by the buyer on a $5,000,000 home":"Taxxa tat-trasferiment tax-xerrej fuq dar ta’ $5,000,000","ONP pensions follow the 2026 minimum and maximum; the reduced pensions for 10 to 19 years of contributions under Ley 32123 are not modelled. AFP accounts are projected with a 3% real return; actual returns and annuity rates vary.":"Il-pensjonijiet tal-ONP isegwu l-minimu u l-massimu tal-2026; il-pensjonijiet imnaqqsa għal 10 sa 19-il sena ta’ kontribuzzjonijiet tal-Ley 32123 ma jiġux ikkalkulati. Il-kontijiet tal-AFP jiġu pproġettati b’redditu reali ta’ 3%; ir-redditi u r-rati tal-annwalitajiet attwali jvarjaw.","Estimate: the pension uses a simplified rate on your recent average pay; the actual Ley 20.130 calculation combines the BPS benefit, the AFAP annuity and a supplement for low pensions. Your BPS history statement gives your recorded years.":"Stima: il-pensjoni tuża rata simplifikata fuq il-paga medja reċenti tiegħek; il-kalkolu attwali tal-Ley 20.130 jgħaqqad il-benefiċċju tal-BPS, l-annwalità tal-AFAP u supplement għall-pensjonijiet baxxi. L-istorja tiegħek mal-BPS turi s-snin irreġistrati.","The unemployment insurance maximum is estimated; the legal minimum and maximum are set in BPC and updated every year.":"Il-limitu tal-assigurazzjoni kontra l-qgħad huwa stima; il-minimu u l-massimu legali jiġu stabbiliti f’BPC u aġġornati kull sena.","Overtime is taxed and insured like normal pay, at your marginal IRPEF rate. In 2026 night, holiday, rest-day and shift premiums pay a 15% flat tax instead of IRPEF on up to €1,500 a year if your 2025 income was at most €40,000; this is included here (INPS is still due).":"Is-sahra tiġi ntaxxata u assigurata bħall-paga normali, bir-rata marġinali tiegħek tal-IRPEF. Fl-2026, iż-żidiet għax-xogħol bil-lejl, fil-btajjel, fil-jiem ta’ mistrieħ u bix-shifts iħallsu taxxa fissa ta’ 15% minflok l-IRPEF fuq sa €1,500 fis-sena jekk id-dħul tiegħek fl-2025 ma qabiżx €40,000; dan hu inkluż hawn (il-kontribuzzjonijiet tal-INPS xorta jitħallsu).","weekend · replaced by another day off":"tmiem il-ġimgħa · jiġi sostitwit b’jum ieħor ta’ mistrieħ","national, on working days, + 1 replacement day":"nazzjonali, f’jiem tax-xogħol, + jum ta’ sostituzzjoni wieħed","national, on working days, + {0} replacement days":"nazzjonali, f’jiem tax-xogħol, + {0} jiem ta’ sostituzzjoni","60% (67% with children) of a standard net pay: gross up to the pension ceiling less a flat 20% for social insurance, wage tax and solidarity surcharge; for 12 months, up to 24 from age 58 with long insurance. Resigning triggers a 12-week block.":"60% (67% bit-tfal) ta’ paga netta standardizzata: il-paga gross sal-limitu tal-assigurazzjoni tal-pensjoni bi tnaqqis fiss ta’ 20% għas-sigurtà soċjali, it-taxxa fuq il-paga u s-supplement ta’ solidarjetà; għal 12-il xahar, sa 24 mill-età ta’ 58 b’assigurazzjoni twila. Jekk tirriżenja inti, ikun hemm sospensjoni ta’ 12-il ġimgħa.","Paid public holidays in 2026, including replacement days":"Btajjel pubbliċi mħallsa fl-2026, inklużi l-jiem ta’ sostituzzjoni","Public holidays on weekdays in 2026, half days counted as ½":"Btajjel pubbliċi f’jiem tax-xogħol fl-2026, nofs jum jgħodd ½","Unemployment benefit (ALG I) a month after €4,500 a month, class I, no children":"Benefiċċju tal-qgħad (ALG I) fix-xahar wara €4,500 fix-xahar, klassi I, bla tfal","Net per year, €4,000 × 14 (Vienna)":"Nett kull sena, €4,000 × 14 (Vjenna)","Net from 8 overtime hours a month at +50% (€4,000 × 14)":"Nett minn 8 sigħat ta’ sahra fix-xahar b’+50% (€4,000 × 14)","Tax reduction for 8 overtime hours a month at +50% (€4,000 × 13)":"Tnaqqis fit-taxxa għal 8 sigħat ta’ sahra fix-xahar b’+50% (€4,000 × 13)","Share of overtime kept with a basic wage of €350 a week":"Is-sehem tas-sahra li jibqagħlek b’paga bażika ta’ €350 fil-ġimgħa","State incentive on €720 of third-pillar contributions":"Inċentiv tal-istat fuq €720 ta’ kontribuzzjonijiet fit-tielet pilastru","KiwiSaver government contribution a year (income NZ$78,000)":"Kontribuzzjoni tal-gvern għall-KiwiSaver fis-sena (dħul ta’ NZ$78,000)","Tax credit for €1,200 of PS premiums without capital income":"Kreditu tat-taxxa għal €1,200 ta’ primjums PS mingħajr dħul kapitali","Voluntary overtime paid gross = net (up to 240 h a year, from April 2026)":"Sahra volontarja mħallsa gross = nett (sa 240 siegħa fis-sena, minn April 2026)","Overtime is taxed like pay, but overtime with a premium gives a tax reduction of 66.81% of its taxable base pay (57.75% with a 20% premium) for up to 180 hours a year; it is included here. Voluntary overtime of up to 240 hours a year can be paid gross = net from April 2026, without premium, social security or tax: tick the box to use it.":"Is-sahra tiġi ntaxxata bħall-paga, iżda s-sahra b’żieda tagħti tnaqqis fit-taxxa ta’ 66.81% tal-paga bażika taxxabbli tagħha (57.75% b’żieda ta’ 20%) għal sa 180 siegħa fis-sena; dan hu inkluż hawn. Minn April 2026, is-sahra volontarja sa 240 siegħa fis-sena tista’ titħallas gross = nett, mingħajr żieda, kontribuzzjonijiet jew taxxa: immarka l-kaxxa biex tużah.","Voluntary overtime (gross = net)":"Sahra volontarja (gross = nett)","20 days on a 5-day week (4 weeks), earned by working the previous year; in your first job you can take European supplementary leave. Holiday pay: your normal pay plus double holiday pay of 92% of a month. 10 public holidays; one falling on a Sunday or on your usual day off is replaced by another day off.":"20 jum fuq ġimgħa ta’ 5 ijiem (4 ġimgħat), miksuba bix-xogħol tas-sena ta’ qabel; fl-ewwel impjieg tiegħek tista’ tieħu l-leave supplimentari Ewropew. Paga tal-leave: il-paga normali tiegħek flimkien ma’ paga doppja tal-leave ta’ 92% ta’ xahar. 10 btajjel pubbliċi; jekk waħda taħbat il-Ħadd jew fil-jum tas-soltu tal-mistrieħ tiegħek, tiġi sostitwita b’jum ieħor ta’ mistrieħ.","26 working days a year (5-day week), whatever your age; collective agreements may add more. 11 public holidays; one falling on a Sunday or on a day you do not normally work gives a replacement day within 3 months.":"26 jum tax-xogħol fis-sena (ġimgħa ta’ 5 ijiem), tkun xi tkun l-età tiegħek; il-ftehimiet kollettivi jistgħu jagħtu aktar. 11-il btala pubblika; jekk waħda taħbat il-Ħadd jew f’jum li normalment ma taħdimx fih, tingħata jum ta’ sostituzzjoni fi żmien 3 xhur.","I work in Vienna (housing contribution 0.75%)":"Naħdem fi Vjenna (kontribuzzjoni għad-djar ta’ 0.75%)","The premiums for the first 15 overtime hours a month (up to 50% of base pay) are tax-free up to €170 a month in 2026 (10 hours and €120 from 2027), and Sunday, holiday and night premiums up to €400 a month; both are included here. Social insurance is still due on them.":"Iż-żidiet għall-ewwel 15-il siegħa ta’ sahra fix-xahar (sa 50% tal-paga bażika) huma eżenti mit-taxxa sa €170 fix-xahar fl-2026 (10 sigħat u €120 mill-2027), u ż-żidiet tal-Ħadd, tal-btajjel u tal-lejl sa €400 fix-xahar; it-tnejn huma inklużi hawn. Is-sigurtà soċjali xorta titħallas fuqhom.","6% health insurance (since June 2025), wage tax with the pensioner credit; the 13th and 14th payments are taxed at 6%. Low pensions are topped up to the equalisation supplement (Ausgleichszulage).":"Assigurazzjoni tas-saħħa ta’ 6% (minn Ġunju 2025), taxxa fuq il-paga bil-kreditu għall-pensjonanti; it-13 u l-14-il ħlas jiġu ntaxxati bi 6%. Il-pensjonijiet baxxi jiġu kkompletati sas-supplement ta’ ekwalizzazzjoni (Ausgleichszulage).","Overtime is not part of the basic wage, so it pays no social security. With a basic weekly wage of at most €375, the first €10,000 of overtime a year is taxed at a flat 15%; otherwise it is taxed at your marginal rate. Both are included here.":"Is-sahra mhix parti mill-paga bażika, għalhekk ma tħallasx sigurtà soċjali fuqha. B’paga bażika ta’ mhux aktar minn €375 fil-ġimgħa, l-ewwel €10,000 ta’ sahra fis-sena jiġu ntaxxati b’rata fissa ta’ 15%; inkella bir-rata marġinali tiegħek. Iż-żewġ każijiet huma inklużi hawn.","Bringing up your children alone? The parent tax rates are lower than the single rates: choose “Parent” as your tax computation.":"Qed trabbi lil uliedek mingħajr sieħeb jew sieħba? Ir-rati tal-ġenitur huma iktar baxxi minn dawk tal-persuna single: agħżel “Ġenitur” bħala l-komputazzjoni tat-taxxa.","Unmarried and paying most of the costs of a home for your child? You usually file as head of household, with a larger standard deduction and wider brackets: choose it as your filing status.":"Mingħajr konjuġi u tħallas il-biċċa l-kbira tal-ispejjeż tad-dar għal ibnek jew għal bintek? Normalment tiddikjara bħala kap tal-familja (head of household), b’tnaqqis standard ikbar u faxex usa’: agħżlu bħala status tad-dikjarazzjoni.","Tax relief for children (per year)":"Ħelsien mit-taxxa għat-tfal (fis-sena)","A flat 10% on pay after the employee’s social and health contributions. Families take €3,067.75 off the yearly tax base for 1 child, €6,135.50 for 2 and €9,203.25 for 3 or more (from 2026 also through the employer each month). Bulgaria adopted the euro on 1 January 2026 (1 € = 1.95583 lev). Minimum wage €620.20 a month.":"10% fissa fuq il-paga wara l-kontribuzzjonijiet soċjali u tas-saħħa tal-impjegat. Il-familji jnaqqsu mill-bażi taxxabbli annwali €3,067.75 għal tifel jew tifla, €6,135.50 għal 2 u €9,203.25 għal 3 jew aktar (mill-2026 ukoll kull xahar permezz tal-employer). Il-Bulgarija adottat l-euro fl-1 ta’ Jannar 2026 (1 € = 1.95583 lev). Paga minima ta’ €620.20 fix-xahar.","The tax relief for children is included; monthly child benefits (income-tested) are not. Bulgaria taxes each person separately.":"Il-ħelsien mit-taxxa għat-tfal huwa inkluż; il-benefiċċji tat-tfal ta’ kull xahar (skont id-dħul) mhumiex. Il-Bulgarija tintaxxa lil kull persuna separatament.","Annual tax and contributions for one employee with the 2026 rates, using the €2,300 contribution ceiling that applies from August, and the child tax relief. Other deductions and the work-accident rate of your employer are not modelled.":"Taxxa u kontribuzzjonijiet annwali għal impjegat wieħed bir-rati tal-2026, bil-limitu tal-kontribuzzjonijiet ta’ €2,300 li japplika minn Awwissu u bil-ħelsien mit-taxxa għat-tfal. Tnaqqis ieħor u r-rata tal-inċidenti fuq ix-xogħol tal-employer tiegħek mhumiex immudellati.","Yearly income tax on €1,400 a month with 2 children":"Taxxa annwali fuq id-dħul b’€1,400 fix-xahar u 2 tfal","Pension age of a man born in 1961 (years)":"Età tal-pensjoni ta’ raġel imwieled fl-1961 (snin)","Tax relief for dependent children (per year)":"Ħelsien mit-taxxa għal tfal dipendenti (fis-sena)","The yearly net tax base is taxed at 16% up to €9,721.43, 26% up to €28,592.44, 33% up to €57,184.88, 39% up to €82,346.23 and 50% above. The general relief is €5,551.93, increased by 20,832.39 − 1.17259 × income for total income up to €17,766.18. Each dependent child lowers the tax base by €2,995.83 (1st), €3,256.77 (2nd), €5,432.02 (3rd), €7,607.27 (4th) or €9,782.51 (5th); the relief for young people is not included.":"Il-bażi taxxabbli netta annwali tiġi ntaxxata b’16% sa €9,721.43, 26% sa €28,592.44, 33% sa €57,184.88, 39% sa €82,346.23 u 50% fuq dan. Il-ħelsien ġenerali huwa €5,551.93, miżjud b’20,832.39 − 1.17259 × id-dħul għal dħul totali sa €17,766.18. Kull tifel jew tifla dipendenti jnaqqas il-bażi taxxabbli b’€2,995.83 (l-1), €3,256.77 (it-2), €5,432.02 (it-3), €7,607.27 (ir-4) jew €9,782.51 (il-5); il-ħelsien għaż-żgħażagħ mhuwiex inkluż.","Child benefit in Slovenia depends on family income and is not included. The child tax relief is included for you as the parent who claims it.":"Il-benefiċċju tat-tfal fis-Slovenja jiddependi mid-dħul tal-familja u mhuwiex inkluż. Il-ħelsien mit-taxxa għat-tfal huwa inkluż għalik bħala l-ġenitur li jitolbu.","Annual tax and contributions for one employee with the 2026 scale, the general relief and the child reliefs. Young-person and other reliefs, the holiday allowance (regres) and Christmas bonuses, and meal and travel allowances are not modelled.":"Taxxa u kontribuzzjonijiet annwali għal impjegat wieħed bl-iskala tal-2026, il-ħelsien ġenerali u l-ħelsien għat-tfal. Il-ħelsien għaż-żgħażagħ u oħrajn, l-allowance tal-vaganzi (regres), il-bonusijiet tal-Milied u l-allowances tal-ikel u tat-trasport mhumiex immudellati.","Income tax on €2,500 a month with 2 dependent children":"Taxxa fuq id-dħul b’€2,500 fix-xahar u 2 tfal dipendenti","Yearly AFP deduction on S/ 3,000 × 14 (no contributions on the gratificaciones)":"Tnaqqis annwali tal-AFP fuq S/ 3,000 × 14 (l-ebda kontribuzzjoni fuq il-gratificaciones)","incl. 1 replacement day":"inkluż jum ta’ sostituzzjoni wieħed","incl. {0} replacement days":"inklużi {0} jiem ta’ sostituzzjoni","Country at a glance":"Il-pajjiż f'daqqa t'għajn","Money quiz":"Kwiż tal-flus","1 month of pay":"paga ta' xahar","{m} months of pay":"{m} xhur paga","No legal right; a settlement of about 0.5 month’s pay per year is customary":"L-ebda dritt legali; soltu jsir ftehim ta' madwar 0.5 ta' xahar paga għal kull sena","No severance for a justified dismissal; the TFR fund (about one month’s pay per year) is paid on any termination":"L-ebda kumpens għal tkeċċija ġustifikata; il-fond TFR (madwar xahar paga għal kull sena) jitħallas meta jintemm kull impjieg","the average full-time wage ({g} a year, OECD 2025)":"il-paga medja full-time ({g} fis-sena, OECD 2025)","the example salary of the Salary tab ({g} a year)":"is-salarju ta' eżempju tat-tab Salarju ({g} fis-sena)","{c} at a glance · 2026":"{c} f'daqqa t'għajn · 2026","of {b} is take-home pay after income tax and social security":"jibqa' nett wara t-taxxa fuq id-dħul u s-sigurtà soċjali · bażi: {b}","Inflation 2025":"Inflazzjoni 2025","2026 estimate: {p}":"stima 2026: {p}","Prices since 2016":"Prezzijiet mill-2016","ten years of inflation, to 2026":"għaxar snin ta' inflazzjoni, sal-2026","Real average wage":"Paga medja reali","no OECD average-wage series for this country yet":"għad m'hemmx serje tal-OECD tal-paga medja għal dan il-pajjiż","2015–2025, after inflation (OECD)":"2015–2025, wara l-inflazzjoni (OECD)","Earliest pension age":"L-iktar età bikrija għall-pensjoni","with a cut; full pension at {f} (born {y})":"b'tnaqqis; pensjoni sħiħa fl-età ta' {f} (sena tat-twelid {y})","full pension, for someone born in {y}":"pensjoni sħiħa, għas-sena tat-twelid {y}","Prices and inflation":"Prezzijiet u inflazzjoni","yearly inflation":"inflazzjoni annwali","10 years":"10 snin","prices 2016 → 2026":"prezzijiet 2016 → 2026","Highest":"L-ogħla","Inflation":"Inflazzjoni","estimate":"stima","Yearly change of the national consumer price index; 2026 (grey) is an estimate. A basket that cost 100 in 2016 costs about {v} in 2026.":"Bidla annwali fl-indiċi nazzjonali tal-prezzijiet għall-konsumatur; l-2026 (griż) hija stima. Basket li kien jiswa 100 fl-2016 jiswa madwar {v} fl-2026.","Pay and purchasing power":"Paga u poter tax-xiri","Average wage":"Paga medja","a year, 2025 (OECD)":"fis-sena, 2025 (OECD)","Pay rises":"Żidiet fil-paga","2015–2025, as paid":"2015–2025, nominali","2015–2025; best year {y}":"2015–2025; l-aħjar sena {y}","Index 2015 = 100. When the average wage line is above the prices line, an average salary buys more than in 2015. OECD average annual wage of full-time employees.":"Indiċi 2015 = 100. Meta l-linja tal-paga medja tkun 'il fuq mil-linja tal-prezzijiet, paga medja tixtri aktar milli fl-2015. Il-paga medja annwali tal-OECD ta' impjegati full-time.","series to be added":"is-serje se tiżdied","The site has no official average-wage series for {c} yet, so only prices are shown. Enter your own salaries in the Salary history tab to see your own purchasing power.":"Is-sit għad m'għandux serje uffiċjali tal-paga medja ({c}), għalhekk jintwerew il-prezzijiet biss. Daħħal is-salarji tiegħek fit-tab Storja tas-salarju biex tara l-poter tax-xiri tiegħek.","Tax on an average salary":"Taxxa fuq paga medja","From a raise of 100":"Minn żieda ta' 100","is left after tax":"jibqgħu wara t-taxxa","income tax + social security":"taxxa fuq id-dħul + sigurtà soċjali","Since 2006":"Mill-2006","{n} points":"{n} punti","was {p} in 2006":"kienet {p} fl-2006","Share of each year’s average wage paid as income tax and employee social security, with that year’s rules (single, no children). 2026 uses the 2025 average wage.":"Is-sehem tal-paga medja ta' kull sena mħallas bħala taxxa fuq id-dħul u sigurtà soċjali tal-impjegat, bir-regoli ta' dik is-sena (single, mingħajr tfal). L-2026 juża l-paga medja tal-2025.","on top of gross pay":"fuq il-paga gross","How {b} splits in 2026. Past years’ tax rules for {c} are not in the site yet.":"Kif jinqasam fl-2026, bażi: {b}. Ir-regoli tat-taxxa tas-snin li għaddew ({c}) għadhom mhumiex fis-sit.","A salary in 2026":"Salarju fl-2026","Gross pay":"Paga gross","{v} a month on average":"{v} fix-xahar bħala medja","Employer cost":"Spiża għall-prinċipal","Based on {b}, single, no children.":"Bażi: {b}, single, mingħajr tfal.","Calculate your own salary →":"Ikkalkula s-salarju tiegħek →","Earliest, with a cut":"L-iktar kmieni, b'tnaqqis","Estimated pension at {a}":"Pensjoni stmata fl-età ta' {a}","{v} a month, net":"{v} fix-xahar, nett","Life expectancy at 65":"Stennija tal-għomor fl-età ta' 65","{m} more years (men), {w} (women)":"{m} snin oħra (irġiel), {w} (nisa)","For someone born in {y} who keeps working until then, with the inputs of the Pension tab; amounts in today’s money. Rules can change before retirement.":"Għas-sena tat-twelid {y}, b'xogħol sa dakinhar, bid-dettalji tat-tab Pensjoni; ammonti fi flus tal-lum. Ir-regoli jistgħu jinbidlu qabel l-irtirar.","Estimate your pension →":"Stma l-pensjoni tiegħek →","Leave and holidays":"Liv u btajjel","Annual leave by law":"Liv annwali skont il-liġi","{a} days from the 3rd year (20 in the 1st, 21 in the 2nd)":"{a} jum mit-3 sena (20 fl-1, 21 fit-2)","{a} working days":"{a} jum tax-xogħol","none by law":"xejn skont il-liġi","Public holidays on weekdays 2026":"Btajjel pubbliċi f'jiem tax-xogħol 2026","{a} + {b} customary":"{a} + {b} tradizzjonali","{n} replacement":"{n} sostitut","Paid days off a year":"Jiem liberi mħallsa fis-sena","bank holidays can be inside the 28":"il-bank holidays jistgħu jkunu inklużi fit-28","Next public holiday":"Il-btala pubblika li jmiss","today":"illum","Legal minimum for a 5-day week; contracts often give more.":"Minimu legali għal ġimgħa ta' 5 ijiem; il-kuntratti spiss jagħtu aktar.","Plan your leave →":"Ippjana l-liv tiegħek →","If you lose your job":"Jekk titlef ix-xogħol","Paid by law after 10 years":"Imħallas skont il-liġi wara 10 snin","Rule":"Regola","Dismissal for business reasons after 10 years, at age 45, based on {b}.":"Tkeċċija għal raġunijiet ta' negozju wara 10 snin, fl-età ta' 45; bażi: {b}.","Calculate your own case →":"Ikkalkula l-każ tiegħek →","Cost of living":"Għoli tal-ħajja","about the EU average":"madwar il-medja tal-UE","{p} above the EU average":"{p} 'il fuq mill-medja tal-UE","{p} below the EU average":"{p} taħt il-medja tal-UE","Exchange rate":"Rata tal-kambju","Currency":"Munita","euro":"ewro","Typical household spending":"Nefqa tipika ta' familja","{v} a month":"{v} fix-xahar","of which rent":"li minnhom kera","Rent, utilities, food, communication and transport of an average household ({n} people), in 2026 prices. Price level: Eurostat, EU = 100.":"Kera, utilitajiet, ikel, komunikazzjoni u trasport ta' familja medja ({n} persuni), bil-prezzijiet tal-2026. Livell tal-prezzijiet: Eurostat, UE = 100.","Compare buying power →":"Qabbel il-poter tax-xiri →","Sources: the national consumer price index of {c}, the OECD average annual wage, and the tax, social security, pension, leave and termination rules used by the calculators of this site (official sources listed in each tab).":"Sorsi: l-indiċi nazzjonali tal-prezzijiet għall-konsumatur ({c}), il-paga medja annwali tal-OECD, u r-regoli tat-taxxa, sigurtà soċjali, pensjoni, liv u tmiem l-impjieg użati mill-kalkulaturi ta' dan is-sit (sorsi uffiċjali f'kull tab).","What was the inflation rate in {c} in 2025?":"{c}: x'kienet ir-rata tal-inflazzjoni fl-2025?","Consumer prices rose {p} in 2025.":"Prezzijiet għall-konsumatur fl-2025: {p}.","By how much did prices in {c} rise over the ten years 2016–2026?":"{c}: kemm żdiedu l-prezzijiet fl-għaxar snin 2016–2026?","Prices rose {p} in total: a basket that cost 100 in 2016 costs about {v} in 2026.":"Żieda totali fil-prezzijiet: {p}; basket li kien jiswa 100 fl-2016 jiswa madwar {v} fl-2026.","From 2015 to 2025, how did the purchasing power of the average wage in {c} change?":"{c}: kif inbidel il-poter tax-xiri tal-paga medja mill-2015 sal-2025?","{p} after inflation (OECD average wage of full-time employees).":"{p} wara l-inflazzjoni (paga medja tal-OECD ta' impjegati full-time).","Someone in {c} earns the average wage. What share of gross pay is left after income tax and social security?":"{c}: persuna taqla' l-paga medja. Liema sehem mill-paga gross jibqa' wara t-taxxa fuq id-dħul u s-sigurtà soċjali?","What share of the example salary in {c} is left after income tax and social security?":"{c}: liema sehem mis-salarju ta' eżempju jibqa' wara t-taxxa fuq id-dħul u s-sigurtà soċjali?","{p}: {n} net out of {g} gross a year.":"{p}: {n} nett minn {g} gross fis-sena.","Someone in {c} on the average wage gets a gross raise of 100. How much of it is left after income tax and social security?":"{c}: persuna bil-paga medja tieħu żieda gross ta' 100. Kemm jibqa' minnha wara t-taxxa fuq id-dħul u s-sigurtà soċjali?","On the example salary in {c}, how much of a gross raise of 100 is left after income tax and social security?":"{c}: bis-salarju ta' eżempju, kemm jibqa' minn żieda gross ta' 100 wara t-taxxa fuq id-dħul u s-sigurtà soċjali?","{n} of every extra 100: the rest goes to income tax and social security at this salary.":"{n} minn kull 100 żejda: il-bqija jmur għat-taxxa fuq id-dħul u s-sigurtà soċjali f'dan is-salarju.","{n} days":"{n} jum","How many days of paid annual leave does the law guarantee in {c} (5-day week)?":"{c}: kemm-il jum liv imħallas fis-sena tiggarantixxi l-liġi (ġimgħa ta' 5 ijiem)?","{n} working days from the 3rd year with the same employer (20 in the 1st, 21 in the 2nd, 25 after 10 years).":"{n} jum tax-xogħol mit-3 sena mal-istess prinċipal (20 fl-1, 21 fit-2, 25 wara 10 snin).","{n} working days by law; many contracts give more.":"{n} jum tax-xogħol skont il-liġi; ħafna kuntratti jagħtu aktar.","There is no legal minimum; paid leave depends on the employer.":"M'hemmx minimu legali; il-liv imħallas jiddependi mill-prinċipal.","How many public holidays fall on working days in {c} in 2026?":"{c}: kemm-il btala pubblika taħbat f'jiem tax-xogħol fl-2026?","{a} official and {b} customary holidays fall on weekdays in 2026.":"Fl-2026, {a} btajjel uffiċjali u {b} tradizzjonali jaħbtu f'jiem tax-xogħol.","{n} public holidays fall on weekdays in 2026{s}.":"Fl-2026, {n} btajjel pubbliċi jaħbtu f'jiem tax-xogħol{s}."," (plus {r} replacement days for holidays on a weekend)":" (flimkien ma' jiem sostituti għal btajjel fi tmiem il-ġimgħa: {r})","In {c}, from what age can someone born in {y} get a full pension without a cut?":"{c}: minn liema età persuna mwielda fl-{y} tista' tieħu pensjoni sħiħa mingħajr tnaqqis?","At {a}, if they keep working; a reduced pension is possible from {e}.":"Fl-età ta' {a}, jekk tibqa' taħdem; pensjoni mnaqqsa hija possibbli mill-età ta' {e}.","At {a}, with the current rules and the inputs of the Pension tab.":"Fl-età ta' {a}, bir-regoli attwali u d-dettalji tat-tab Pensjoni.","Which describes maternity leave in {c}?":"{c}: liema deskrizzjoni taqbel mal-liv tal-maternità?","In {c}: {t}.":"{c}: {t}.","In {c}, how much does the law give you on a dismissal for business reasons after 10 years in the job?":"{c}: x'tagħtik il-liġi f'tkeċċija għal raġunijiet ta' negozju wara 10 snin fix-xogħol?","About the same as the EU average":"Madwar l-istess bħall-medja tal-UE","About {p} higher than the EU average":"Madwar {p} ogħla mill-medja tal-UE","About {p} lower than the EU average":"Madwar {p} aktar baxxi mill-medja tal-UE","How do consumer prices in {c} compare with the EU average?":"{c}: kif jitqabblu l-prezzijiet għall-konsumatur mal-medja tal-UE?","Price level index {n} (EU = 100, Eurostat).":"Indiċi tal-livell tal-prezzijiet {n} (UE = 100, Eurostat).","On top of gross pay, how much does an employer in {c} pay in social contributions for an average salary?":"{c}: minbarra l-paga gross, kemm iħallas prinċipal f'kontribuzzjonijiet soċjali għal salarju medju?","{p} of gross pay":"{p} tal-paga gross","{p} of gross pay: {v} a year on {g}.":"{p} tal-paga gross: {v} fis-sena fuq {g}.","Money quiz · {c}":"Kwiż tal-flus · {c}","{n} questions":"{n} mistoqsijiet","{a} of {n} right":"{a} minn {n} tajbin","How well do you know pay, prices, pensions and leave here? Pick one answer for each question.":"Kemm taf dwar pagi, prezzijiet, pensjonijiet u liv hawn? Agħżel tweġiba waħda għal kull mistoqsija.","Answered":"Imwieġba","Correct":"Tajbin","Score":"Punteġġ","Level":"Livell","Expert":"Livell espert","Well informed":"Għarfien tajjeb","Still learning":"Qed titgħallem","You got {a} of {n} right ({p}).":"Ġibt {a} minn {n} tajbin ({p}).","Try another country with the country menu at the top.":"Ipprova pajjiż ieħor mill-menu tal-pajjiżi fuq.","Answer all {n} questions to see your score.":"Wieġeb il-{n} mistoqsijiet kollha biex tara l-punteġġ tiegħek.","{n} questions about {c}":"{n} mistoqsijiet · {c}","The answers come from the calculators of this site and their official sources. Nothing you choose is saved or sent.":"It-tweġibiet ġejjin mill-kalkulaturi ta' dan is-sit u mis-sorsi uffiċjali tagħhom. Xejn minn dak li tagħżel ma jiġi ssejvjat jew mibgħut.","Right answer":"Tweġiba tajba","Wrong answer":"Tweġiba ħażina","Open {t} →":"Iftaħ {t} →","Check my answers":"Iċċekkja t-tweġibiet tiegħi","Start again":"Erġa' ibda","Questions and answers are generated from each country’s data, so they follow the rules when these are updated.":"Il-mistoqsijiet u t-tweġibiet jinħolqu mid-dejta ta' kull pajjiż, għalhekk isegwu r-regoli meta dawn jiġu aġġornati.","+{n} more":"+{n} oħra","Eurostat Structure of Earnings Survey 2022 (full-time employees)":"Stħarriġ tal-Eurostat dwar l-Istruttura tal-Qligħ 2022 (impjegati full-time)","ONS Annual Survey of Hours and Earnings 2025 (full-time employees; weekly pay × 52 ÷ 12)":"Annual Survey of Hours and Earnings 2025 tal-ONS (impjegati full-time; paga fil-ġimgħa × 52 ÷ 12)","US Bureau of Labor Statistics, 3rd quarter 2026 (full-time wage and salary workers; weekly earnings × 52 ÷ 12)":"US Bureau of Labor Statistics, it-3 kwart tal-2026 (impjegati full-time b’paga jew salarju; qligħ fil-ġimgħa × 52 ÷ 12)","Japan’s Basic Survey on Wage Structure 2025 (general workers, scheduled earnings)":"L-Istħarriġ Bażiku tal-Ġappun dwar l-Istruttura tal-Pagi 2025 (ħaddiema ġenerali, qligħ skedat)","Australian Bureau of Statistics, August 2025 (median weekly earnings of full-time employees × 52 ÷ 12), with the OECD decile ratios":"Australian Bureau of Statistics, Awwissu 2025 (qligħ medjan fil-ġimgħa tal-impjegati full-time × 52 ÷ 12), bil-proporzjonijiet tad-deċili tal-OECD","Statistics Canada, 2025 (median weekly wage of full-time employees × 52 ÷ 12), with the OECD decile ratios":"Statistics Canada, 2025 (paga medjana fil-ġimgħa tal-impjegati full-time × 52 ÷ 12), bil-proporzjonijiet tad-deċili tal-OECD","Statistics Korea, average monthly wage of regular workers, August 2025, with the OECD decile ratios (median estimated)":"Statistics Korea, paga medja fix-xahar tal-ħaddiema regolari, Awwissu 2025, bil-proporzjonijiet tad-deċili tal-OECD (medjan stmat)","Stats NZ, average weekly earnings of full-time equivalent employees, year to June 2025 (× 52 ÷ 12), with the OECD decile ratios (median estimated)":"Stats NZ, qligħ medju fil-ġimgħa għal kull ekwivalenti full-time, sena sa Ġunju 2025 (× 52 ÷ 12), bil-proporzjonijiet tad-deċili tal-OECD (medjan stmat)","Mexican Social Security Institute (IMSS), average wage of registered employees, December 2025, with the OECD decile ratios (median estimated)":"L-Istitut Messikan tas-Sigurtà Soċjali (IMSS), paga medja tal-impjegati rreġistrati, Diċembru 2025, bil-proporzjonijiet tad-deċili tal-OECD (medjan stmat)","INE Chile Supplementary Income Survey 2025 (net pay brought back to gross), with the OECD decile ratios":"L-Istħarriġ Supplimentari dwar id-Dħul 2025 tal-INE taċ-Ċilì (paga netta maqluba għal gross), bil-proporzjonijiet tad-deċili tal-OECD","IBGE, average income from work 2025, with the OECD decile ratios (median estimated)":"IBGE, dħul medju mix-xogħol 2025, bil-proporzjonijiet tad-deċili tal-OECD (medjan stmat)","INEI, average monthly income from work 2025, with the OECD decile ratios (median estimated)":"INEI, dħul medju fix-xahar mix-xogħol 2025, bil-proporzjonijiet tad-deċili tal-OECD (medjan stmat)","Singapore Ministry of Manpower, June 2025 (full-time employed residents, without employer CPF)":"Il-Ministeru tal-Manpower ta’ Singapore, Ġunju 2025 (residenti impjegati full-time, mingħajr is-CPF ta’ min iħaddem)","Hong Kong Census and Statistics Department, May–June 2025":"Id-Dipartiment taċ-Ċensiment u l-Istatistika ta’ Hong Kong, Mejju–Ġunju 2025","Department of Statistics Malaysia, 2025 (median and mean of Malaysian employees; spread estimated)":"Id-Dipartiment tal-Istatistika tal-Malasja, 2025 (medjan u medja tal-impjegati Malasjani; firxa stmata)","Statistics South Africa, Quarterly Labour Force Survey 2022":"Statistics South Africa, Stħarriġ Kull Tliet Xhur dwar il-Forza tax-Xogħol 2022","Moroccan social security (CNSS) records for 2024, via the Moroccan SME Observatory":"Rekords tas-sigurtà soċjali Marokkina (CNSS) għall-2024, permezz tal-Osservatorju Marokkin tal-SMEs","Your gross pay of {v} a month is higher than about {p} of full-time employees in {c}.":"Il-paga gross tiegħek ta’ {v} fix-xahar hija ogħla minn dik ta’ madwar {p} tal-impjegati full-time fi {c}.","Your gross pay of {v} a month is higher than about {p} of employees in {c}.":"Il-paga gross tiegħek ta’ {v} fix-xahar hija ogħla minn dik ta’ madwar {p} tal-impjegati fi {c}.","Your gross pay of {v} a month is higher than about {p} of working people in {c}.":"Il-paga gross tiegħek ta’ {v} fix-xahar hija ogħla mid-dħul ta’ madwar {p} tan-nies li jaħdmu fi {c}.","a month: higher than {p} of full-time employees":"fix-xahar: aktar minn dak li jaqilgħu {p} tal-impjegati full-time","a month: higher than {p} of employees":"fix-xahar: aktar minn dak li jaqilgħu {p} tal-impjegati","a month: higher than {p} of working people":"fix-xahar: aktar minn dak li jaqilgħu {p} tan-nies li jaħdmu","Median full-time pay":"Paga medjana full-time","Median pay of employees":"Paga medjana tal-impjegati","Median pay of working people":"Dħul medjan tan-nies li jaħdmu","Where your salary ranks":"Fejn tinsab il-paga tiegħek","There are no official figures in the site yet on how pay is spread in {c}.":"Għad m’hemmx figuri uffiċjali fis-sit dwar kif titqassam il-paga fi {c}.","Enter your gross salary to see where it ranks.":"Daħħal is-salarju gross tiegħek biex tara fejn jinsab.","You: {v}":"Int: {v}","10% earn less":"10% jaqilgħu inqas","half earn less":"nofshom jaqilgħu inqas","10% earn more":"10% jaqilgħu aktar","Source: {src}.":"Sors: {src}.","Figures brought to 2026 with official wage growth (2026 estimated).":"Figuri aġġornati għall-2026 bit-tkabbir uffiċjali tal-pagi (2026 stmat).","All amounts are gross pay a month without irregular bonuses; your figure is one regular monthly salary from this tab.":"L-ammonti kollha huma paga gross fix-xahar mingħajr bonusijiet irregolari; il-figura tiegħek hija salarju regolari wieħed fix-xahar minn din it-tab.","{m} a month · 10% earn more than {t}":"{m} fix-xahar · 10% jaqilgħu aktar minn {t}","Net pay from the salary on the left":"Paga netta mis-salarju fuq ix-xellug","Share of gross pay kept":"Sehem tal-paga gross li jibqa’","Median monthly pay":"Paga medjana fix-xahar","Price level (EU = 100)":"Livell tal-prezzijiet (UE = 100)","days":"jum","Full pension age":"Età tal-pensjoni sħiħa","Amounts in purchasing power: converted to euros and adjusted to {c} prices, so they show what the money would buy there.":"Ammonti f’saħħa tal-akkwist: maqluba f’ewro u aġġustati għal-livell tal-prezzijiet tal-pajjiż ta’ referenza ({c}), għalhekk juru x’jixtru l-flus hemmhekk.","Amounts in euros at ECB exchange rates, without adjusting for prices.":"Ammonti f’ewro bir-rati tal-kambju tal-BĊE, mingħajr aġġustament għall-prezzijiet.","Net pay a year from {g} gross in every country, single, {k} children, age {a}, 2026 rules.":"Paga netta fis-sena minn {g} gross f’kull pajjiż, persuna waħedha, {k} tfal, età {a}, regoli tal-2026.","Share of {g} gross left after income tax and social security in every country, 2026 rules.":"Sehem ta’ {g} gross li jibqa’ wara t-taxxa fuq id-dħul u s-sigurtà soċjali f’kull pajjiż, regoli tal-2026.","Half earn less than this: gross monthly pay of full-time employees, or of all employees or working people where only those figures are published; official surveys brought to 2026 (estimate).":"Nofshom jaqilgħu inqas minn hekk: paga gross fix-xahar tal-impjegati full-time, jew tal-impjegati kollha jew tan-nies li jaħdmu fejn huma ppubblikati biss dawk il-figuri; stħarriġ uffiċjali aġġornat għall-2026 (stima).","Yearly change of the national consumer price index in 2025.":"Bidla annwali fl-indiċi nazzjonali tal-prezzijiet tal-konsumatur fl-2025.","Rise of consumer prices from 2016 to 2026 (2026 estimated).":"Żieda fil-prezzijiet tal-konsumatur mill-2016 sal-2026 (2026 stmat).","Price level of household consumption compared with the EU average (Eurostat).":"Livell tal-prezzijiet tal-konsum tal-familji meta mqabbel mal-medja tal-UE (Eurostat).","Legal minimum for a 5-day week: annual leave plus public holidays on weekdays in 2026.":"Minimu legali għal ġimgħa ta’ 5 ijiem: leave annwali u btajjel pubbliċi f’jiem tax-xogħol fl-2026.","First age with a full state pension without a cut, for the person of each country’s Pension tab who keeps working.":"L-ewwel età b’pensjoni sħiħa tal-Istat mingħajr tnaqqis, għall-persuna fit-tab Pensjoni ta’ kull pajjiż li tibqa’ taħdem.","No data":"M’hemmx data","Tap a country to see its value.":"Agħfas fuq pajjiż biex tara l-valur tiegħu.","Map":"Mappa","Colour by":"Ikkulurixxi skont","World":"Dinja","Not in PayAbacus":"Mhux f’PayAbacus","All countries, highest first":"Il-pajjiżi kollha, mill-ogħla","Hours a week":"Sigħat fil-ġimgħa","Paid leave, days a year":"Leave imħallas, jiem fis-sena","Commute, minutes each way":"Vjaġġ għax-xogħol, minuti kull vjaġġ","Your real hourly pay":"Il-paga reali tiegħek fis-siegħa","Paid leave and public holidays are paid but not worked, so each hour you actually work earns more than your contract rate; time spent commuting is unpaid and brings it down.":"Il-leave u l-btajjel pubbliċi jitħallsu mingħajr xogħol, għalhekk kull siegħa li fil-fatt taħdem taqla’ aktar mir-rata tal-kuntratt; il-ħin tal-vjaġġ ma jitħallasx u jniżżilha.","{n} h":"{n} h","Enter your salary to see your hourly pay.":"Daħħal is-salarju tiegħek biex tara l-paga tiegħek fis-siegħa.","Net per hour you work":"Nett għal kull siegħa li taħdem","gross {g} · {h} a year":"gross {g} · {h} fis-sena","Net per paid hour":"Nett għal kull siegħa mħallsa","gross {g} · {h} paid":"gross {g} · {h} imħallsa","With your commute":"Mal-vjaġġ għax-xogħol","net · {h} of travel a year":"nett · {h} ta’ vjaġġ fis-sena","add your commute above":"żid il-vjaġġ tiegħek hawn fuq","Net per working day":"Nett għal kull jum tax-xogħol","gross {g} · {d} days a year":"gross {g} · {d} jum fis-sena","Hours worked":"Sigħat maħduma","Paid leave":"Leave imħallas","Commuting, unpaid":"Vjaġġ, mhux imħallas","{o} paid days off (the 28 statutory days include bank holidays)":"{o} jum liberu mħallas (it-28 jum statutorji jinkludu l-btajjel pubbliċi)","{o} paid days off ({l} leave + {h} public holidays)":"{o} jum liberu mħallas (leave {l} + btajjel pubbliċi {h})","{y}: 52 weeks of {k} days = {c} working days − {off} = {w} days of work, {d} each.":"{y}: 52 ġimgħa ta’ {k} ijiem = {c} jum tax-xogħol − {off} = {w} jum ta’ xogħol, ta’ {d} kull wieħed.","Pay is the year’s gross and net from this tab, with extra salaries and bonuses.":"Il-paga hija l-gross u n-nett tas-sena minn din it-tab, flimkien ma’ salarji żejda u bonusijiet.","With employer contributions, each hour you work costs {e}.":"Bil-kontribuzzjonijiet ta’ min iħaddem, kull siegħa li taħdem tiswa {e}.","Leave follows the {l} tab (years with your employer) unless you type your own.":"Il-leave isegwi t-tab {l} (snin ma’ min iħaddmek), sakemm ma tiktibx tiegħek.","Hours and leave are the same as in the {o} and {l} tabs.":"Is-sigħat u l-leave huma l-istess bħal fit-tabs {o} u {l}.","EFKA {r}%":"EFKA {r}%","Income tax withheld":"Taxxa fuq id-dħul miżmuma","✓ Matches":"✓ Taqbel","⚠ Small difference":"⚠ Differenza żgħira","✗ Large difference":"✗ Differenza kbira","Not checked":"Mhux iċċekkjat","Higher than the rules give for this gross. Common reasons: a higher health-insurance rate (in Germany each insurer sets its own extra rate), a surcharge such as the German care levy for people without children, or other deductions (union, company pension) listed with the contributions.":"Ogħla milli jagħtu r-regoli għal dan il-gross. Raġunijiet komuni: rata ogħla tal-assigurazzjoni tas-saħħa (fil-Ġermanja kull fond jiffissa l-kontribuzzjoni addizzjonali tiegħu), żieda bħall-imposta Ġermaniża tal-kura għal min m’għandux tfal, jew tnaqqis ieħor (unjin, pensjoni tal-kumpanija) imniżżel mal-kontribuzzjonijiet.","Lower than the rules give. Common reasons: pay above a contribution ceiling, private health insurance (Germany), part of your pay put into a company pension (salary sacrifice), a reduced rate for apprentices, mini-jobs or new hires, or tax-free allowances that carry no contributions.":"Aktar baxxi milli jagħtu r-regoli. Raġunijiet komuni: paga ’l fuq minn limitu tal-kontribuzzjonijiet, assigurazzjoni tas-saħħa privata (Ġermanja), parti mill-paga f’pensjoni tal-kumpanija, rata mnaqqsa għall-apprendisti, mini-jobs jew impjegati ġodda, jew allowances bla taxxa mingħajr kontribuzzjonijiet.","Higher than expected. Common reasons: a different tax class or code (check the options in this tab), extra pay this month (bonus, overtime) taxed at your top rate, church or local taxes, benefits in kind such as a company car, or allowances your employer has not applied.":"Ogħla milli mistenni. Raġunijiet komuni: klassi jew kodiċi tat-taxxa differenti (iċċekkja l-għażliet f’din it-tab), paga żejda dan ix-xahar (bonus, sahra) intaxxata bl-ogħla rata tiegħek, taxxi tal-knisja jew lokali, benefiċċji in natura bħal karozza tal-kumpanija, jew tnaqqis li min iħaddmek ma applikax.","Lower than expected. Common reasons: allowances or credits on your tax code or certificate (children, commuting, a tax-free amount set by the tax office), part of your pay put into a company pension, tax-free overtime or night supplements, or a refund of tax from earlier months (cumulative withholding, as in the UK).":"Aktar baxx milli mistenni. Raġunijiet komuni: tnaqqis jew krediti fuq il-kodiċi jew iċ-ċertifikat tat-taxxa tiegħek (tfal, vjaġġar, ammont bla taxxa stabbilit mill-awtorità tat-taxxa), parti mill-paga f’pensjoni tal-kumpanija, sahra jew xogħol bil-lejl bla taxxa, jew rifużjoni tat-taxxa minn xhur preċedenti (żamma kumulattiva, bħar-Renju Unit).","More net pay than expected: see the lines above, or additions on the payslip such as allowances or expense refunds.":"Aktar nett milli mistenni: ara l-linji ta’ fuq, jew żidiet fuq il-payslip bħal allowances jew rimborż tal-ispejjeż.","Less net pay than expected: see the lines above, or other deductions such as a company pension, union fee or meal vouchers.":"Inqas nett milli mistenni: ara l-linji ta’ fuq, jew tnaqqis ieħor bħal pensjoni tal-kumpanija, miżata tal-unjin jew vouchers tal-ikel.","Higher than the rules give for this gross. Common reasons: the higher rate of heavy and unhealthy occupations (BAE), contributions to an occupational fund (TEA), or other deductions listed with EFKA.":"Ogħla milli jagħtu r-regoli għal dan il-gross. Raġunijiet komuni: ir-rata ogħla għax-xogħlijiet tqal u ta’ ħsara għas-saħħa (BAE), kontribuzzjonijiet lil fond tal-pensjoni okkupazzjonali (TEA), jew tnaqqis ieħor imniżżel mal-EFKA.","Lower than the rules give. Common reasons: pay above the EFKA ceiling, a contribution-relief scheme, or allowances that carry no contributions.":"Aktar baxxi milli jagħtu r-regoli. Raġunijiet komuni: paga ’l fuq mil-limitu tal-EFKA, skema ta’ tnaqqis tal-kontribuzzjonijiet, jew allowances mingħajr kontribuzzjonijiet.","Higher than expected. Common reasons: fewer dependent children registered with your employer than set in this tab, extra pay this month (bonus, overtime), benefits in kind such as a company car, or a second employer at the same time.":"Ogħla milli mistenni. Raġunijiet komuni: inqas tfal dipendenti rreġistrati ma’ min iħaddmek milli ssettjajt f’din it-tab, paga żejda dan ix-xahar (bonus, sahra), benefiċċji in natura bħal karozza tal-kumpanija, jew it-tieni min iħaddem fl-istess żmien.","Lower than expected. Common reasons: more dependent children registered with your employer, the 50% relief for people who moved their tax residence to Greece (art. 5C), or tax-free allowances.":"Aktar baxx milli mistenni. Raġunijiet komuni: aktar tfal dipendenti rreġistrati ma’ min iħaddmek, il-ħelsien ta’ 50% għal min ittrasferixxa r-residenza tat-taxxa tiegħu lejn il-Greċja (art. 5C), jew allowances bla taxxa.","Check your payslip":"Iċċekkja l-payslip tiegħek","Type the figures from one payslip: they are compared with the {y} rules for the situation set in this tab, with the same calculation as the breakdown above. Nothing is saved or sent.":"Ikteb iċ-ċifri ta’ payslip waħda: jitqabblu mar-regoli tal-{y} għas-sitwazzjoni ssettjata f’din it-tab, bl-istess kalkolu tal-analiżi ta’ fuq. Xejn ma jiġi ssejvjat jew mibgħut.","Payslip for":"Payslip għal","EFKA deducted":"EFKA mnaqqsa","Social security deducted":"Sigurtà soċjali mnaqqsa","Income tax deducted":"Taxxa fuq id-dħul mnaqqsa","Net pay received":"Paga netta li rċevejt","Add up all lines of a kind, for example wage tax + solidarity surcharge + church tax. Leave a box empty to skip it; an empty gross uses this tab’s salary.":"Għodd il-linji kollha tal-istess tip, pereżempju FSS + taxxi oħra. Ħalli kaxxa vojta biex taqbiżha; gross vojt juża s-salarju ta’ din it-tab.","Type at least one deduction or the net pay from your payslip to check it.":"Ikteb mill-inqas tnaqqis wieħed jew il-paga netta mill-payslip tiegħek biex tiċċekkjaha.","Other deductions":"Tnaqqis ieħor","Other additions":"Żidiet oħra","✓ Your payslip matches the rules for this gross.":"✓ Il-payslip tiegħek taqbel mar-regoli għal dan il-gross.","✗ Large difference: {list}.":"✗ Differenza kbira: {list}.","⚠ Small difference: {list}.":"⚠ Differenza żgħira: {list}.","See what to check below.":"Ara hawn taħt x’għandek tiċċekkja.","Personal tax or insurance details often explain it.":"Ħafna drabi tispjegaha dettalji personali tat-taxxa jew tal-assigurazzjoni.","Your payslip":"Il-payslip tiegħek","Expected":"Mistenni","the difference ({d}) comes from the other items on the payslip, below.":"id-differenza ({d}) ġejja mill-entrati l-oħra tal-payslip, hawn taħt.","Not tax or social security: for example a company pension, union fee, meal vouchers or a salary advance (deductions), or allowances and expense refunds (additions). They are not checked here.":"La taxxa u lanqas sigurtà soċjali: pereżempju pensjoni tal-kumpanija, miżata tal-unjin, vouchers tal-ikel jew avvanz tal-paga (tnaqqis), jew allowances u rimborż tal-ispejjeż (żidiet). Mhumiex iċċekkjati hawn.","Together, tax and social security match: your payslip probably lists some lines under another heading (for example a solidarity or church tax among the contributions).":"Flimkien, it-taxxa u s-sigurtà soċjali jaqblu: il-payslip tiegħek x’aktarx tniżżel xi linji taħt intestatura oħra (pereżempju kontribuzzjoni ta’ solidarjetà jew taxxa tal-knisja mal-kontribuzzjonijiet).","What to check":"X’għandek tiċċekkja","The check uses the gross on your payslip ({g}); the rest of this tab uses {b}.":"Iċ-ċekk juża l-gross tal-payslip tiegħek ({g}); il-bqija ta’ din it-tab juża {b}.","With {n} salaries a year the expected figures are the average of all of them; where the extra salaries are taxed differently, a regular month can be a little higher or lower.":"B’{n} salarju fis-sena ċ-ċifri mistennija huma l-medja ta’ kollha; fejn is-salarji żejda jiġu ntaxxati b’mod differenti, xahar normali jista’ jkun ftit ogħla jew aktar baxx.","Estimates for information only: the expected figures use the options in this tab (tax class, children, region and so on). If a line still looks wrong, ask your payroll department, which has to explain every deduction.":"Stimi għall-informazzjoni biss: iċ-ċifri mistennija jużaw l-għażliet ta’ din it-tab (klassi tat-taxxa, tfal, reġjun u l-bqija). Jekk linja xorta tidher ħażina, staqsi lid-dipartiment tal-pagi, li għandu jispjega kull tnaqqis.","Expected deductions for this gross":"Tnaqqis mistenni għal dan il-gross","Expected net pay":"Paga netta mistennija","Net pay plus the benefits that matter: meal vouchers, group health insurance, other perks, commuting cost and extra leave. Empty gross for Offer A uses your current salary.":"Paga netta flimkien mal-benefiċċji li jgħoddu: vouchers tal-ikel, assigurazzjoni tas-saħħa tal-grupp, benefiċċji oħra, spiża tal-ivvjaġġar u jiem ta’ liv żejda. Gross vojt għall-Offerta A juża s-salarju attwali tiegħek.","Regular age 67 (born 1964+); 66 and 2–10 months for those born 1959–1963 (66 and 4 months for 1960). Minimum 5 years. From 63 with 35 years: −0.3% for each month before the regular age (max 14.4%). With 45 years: no cut from 65 (64 and 2–10 months for those born 1959–1963). Working past the regular age adds 0.5% per month.":"Età regolari 67 (sena tat-twelid 1964+); 66 sena u 2–10 xhur għal min twieled fl-1959–1963 (66 sena u 4 xhur għall-1960). Minimu 5 snin. Mit-63 b’35 sena: −0.3% għal kull xahar qabel l-età regolari (massimu 14.4%). B’45 sena: l-ebda tnaqqis mill-65 (64 sena u 2–10 xhur għal min twieled fl-1959–1963). Taħdem wara l-età regolari żżid 0.5% kull xahar.","Same purchasing power as in {a}":"L-istess saħħa tal-akkwist bħal fl-{a}","Regular pension age, born 1960 (months: 66 years and 4 months)":"Età regolari tal-pensjoni, sena tat-twelid 1960 (xhur: 66 sena u 4 xhur)","Early pension at 63 with 35 years, born 1963: cut":"Pensjoni bikrija fl-63 b’35 sena, sena tat-twelid 1963: tnaqqis","This tab has no result to save as an image yet.":"Din it-tab għad m’għandhiex riżultat x’tissejvja bħala stampa.","Estimate with the rules in the calculator. Not financial advice.":"Stima bir-regoli tal-kalkulatur. Mhux parir finanzjarju.","Check your answers first, then save your score as an image.":"L-ewwel iċċekkja t-tweġibiet tiegħek, imbagħad issejvja l-punteġġ bħala stampa.","Level: {l}":"Livell: {l}","How well do you know {c}?":"Kemm taf dwar {c}?","Take the quiz: {u}":"Agħmel il-kwiżż: {u}","Questions from official statistics and the rules of the calculators.":"Mistoqsijiet minn statistika uffiċjali u r-regoli tal-kalkulaturi.","{g} gross a year: what you keep":"{g} gross fis-sena: x’jibqagħlek","Net pay a year, in what it buys at {c} prices":"Netta fis-sena f’saħħa tal-akkwist (prezzijiet: {c})","Net pay a year, in euros":"Netta fis-sena, f’ewro","Job offer comparison":"Paragun ta’ offerti tax-xogħol","{o}: +{v} a year":"{o}: +{v} fis-sena","Free · No sign-up · Rules from official sources":"B’xejn · Mingħajr reġistrazzjoni · Regoli minn sorsi uffiċjali","Picture size":"Daqs tal-istampa","Square · posts":"Kwadra · posts","Tall · stories":"Vertikali · stories","Download picture":"Niżżel l-istampa","Made in your browser: nothing is sent anywhere.":"Magħmula fil-browser tiegħek: xejn ma jintbagħat imkien.","Save as image":"Issejvja bħala stampa","Share my score":"Aqsam il-punteġġ tiegħi","Can you beat my score?":"Tista’ tegħleb il-punteġġ tiegħi?","National holidays on weekdays in 2026 (Delhi)":"Btajjel nazzjonali f’jiem tax-xogħol fl-2026 (Delhi)","Annual leave for a full year on a 6-day week (days, national minimum)":"Leave annwali għal sena sħiħa b’ġimgħa ta’ 6 ijiem (jiem, minimu nazzjonali)","Maharashtra: fixed paid holidays on weekdays in 2026":"Maharashtra: btajjel imħallsa fissi f’jiem tax-xogħol fl-2026","Maharashtra: leave days on a 5-day week (earned + casual + 4 agreed holidays)":"Maharashtra: jiem off b’ġimgħa ta’ 5 ijiem (leave + leave okkażjonali + 4 btajjel miftiehma)","Stamp duty on a ₹1 crore home in Mumbai":"Taxxa tal-bolla fuq dar ta’ ₹1 crore f’Mumbai","Registration fee on a ₹1 crore home in Mumbai (capped)":"Miżata tar-reġistrazzjoni fuq dar ta’ ₹1 crore f’Mumbai (b’limitu)","Dubai Land Department fee on an AED 2,000,000 home":"Miżata tad-Dubai Land Department fuq dar ta’ AED 2,000,000","Middle East":"Lvant Nofsani","Maharashtra (Mumbai, Pune)":"Maharashtra (Mumbai, Pune)","Karnataka (Bengaluru)":"Karnataka (Bengaluru)","Tamil Nadu (Chennai)":"Tamil Nadu (Chennai)","Telangana (Hyderabad)":"Telangana (Hyderabad)","West Bengal (Kolkata)":"Bengal tal-Punent (Kolkata)","Gujarat (Ahmedabad)":"Gujarat (Ahmedabad)","Delhi":"Delhi","Uttar Pradesh or Haryana (Noida, Gurugram)":"Uttar Pradesh jew Haryana (Noida, Gurugram)","Other state (professional tax not included)":"Stat ieħor (mingħajr taxxa professjonali)","EPF employee contribution 12% of basic pay":"Kontribuzzjoni EPF tal-impjegat 12% tal-paga bażika","EPF employee contribution 12% (wages up to ₹15,000 a month)":"Kontribuzzjoni EPF tal-impjegat 12% (paga sa ₹15,000 fix-xahar)","ESIC 0.75% (pay up to ₹21,000 a month)":"ESIC 0.75% (paga sa ₹21,000 fix-xahar)","Professional tax (state)":"Taxxa professjonali (stat)","Income tax (old regime)":"Taxxa fuq id-dħul (sistema l-antika)","Income tax (new regime)":"Taxxa fuq id-dħul (sistema l-ġdida)","Surcharge on high incomes":"Taxxa addizzjonali fuq dħul għoli","Health and education cess 4%":"Ħlas għas-saħħa u l-edukazzjoni 4%","Standard deduction":"Tnaqqis standard","Deductions (professional tax, section 80C incl. EPF, others)":"Tnaqqis (taxxa professjonali, taqsima 80C bl-EPF, oħrajn)","Employer EPF, EPS, EDLI and ESIC":"Kontribuzzjonijiet tal-impjegatur EPF, EPS, EDLI u ESIC","You are not in the EPF, so there is no EPF savings or EPS pension. The National Pension System (Private pension tab) is the usual alternative.":"M’intix fl-EPF, għalhekk m’hemmx tfaddil EPF jew pensjoni EPS. L-alternattiva tas-soltu hija n-National Pension System (tab Pensjoni privata).","EPS pension {e} a month ({s} years of pensionable service).":"Pensjoni EPS ta’ {e} fix-xahar ({s} snin ta’ servizz għall-pensjoni).","No EPS pension: it needs at least 10 years of service (shorter service gives a lump sum instead).":"L-ebda pensjoni EPS: trid mill-inqas 10 snin servizz (servizz iqsar jagħti somma waħda minflok).","No EPS pension before 50.":"L-ebda pensjoni EPS qabel il-50 sena.","No EPS pension: members who joined after August 2014 with basic pay above ₹15,000 are not in the scheme.":"L-ebda pensjoni EPS: min daħal wara Awwissu 2014 b’paga bażika ’l fuq minn ₹15,000 mhuwiex fis-sistema.","EPF savings of about {b}, shown as {m} a month if drawn down evenly over your life expectancy (3% real return assumed); EPF withdrawals after 5 years of membership are tax-free.":"Tfaddil EPF ta’ madwar {b}, muri bħala {m} fix-xahar jekk jinġibed b’mod indaqs matul l-istennija tal-ħajja tiegħek (bir-redditu reali ta’ 3%); il-ġbid mill-EPF wara 5 snin sħubija huwa ħieles mit-taxxa.","EPF savings of about {b} can be withdrawn on retirement from 55.":"It-tfaddil EPF ta’ madwar {b} jista’ jinġibed mal-irtirar mill-55 sena.","No social security for the self-employed (NPS is voluntary)":"L-ebda sigurtà soċjali għal min jaħdem għal rasu (in-NPS huwa volontarju)","Retrenchment compensation (15 days’ wages per year of service; tax-free up to ₹5 lakh)":"Kumpens għat-tnaqqis tal-ħaddiema (paga ta’ 15-il jum għal kull sena servizz; ħieles mit-taxxa sa ₹5 lakh)","Worker Re-skilling Fund (15 days’ wages, paid within 45 days)":"Worker Re-skilling Fund (paga ta’ 15-il jum, imħallsa fi żmien 45 jum)","Gratuity (15 days’ wages per year of service; tax-free up to ₹20 lakh)":"Gratuity (paga ta’ 15-il jum għal kull sena servizz; ħielsa mit-taxxa sa ₹20 lakh)","1 month (or pay instead)":"1 xahar (jew il-paga minflok)","As in your contract (often 1–3 months)":"Skont il-kuntratt tiegħek (spiss 1–3 xhur)","Industrial Relations Code s. 70":"Industrial Relations Code, art. 70","No general unemployment benefit. Workers insured with ESIC (pay up to ₹21,000 a month) may get a limited allowance from its schemes.":"M’hemmx benefiċċju ġenerali tal-qgħad. Min hu assigurat mal-ESIC (paga sa ₹21,000 fix-xahar) jista’ jieħu għajnuna limitata mill-iskemi tiegħu.","Retrenchment (workers)":"Tnaqqis tal-ħaddiema (ħaddiema manwali)","15 days’ wages a year + 1 month’s notice":"Paga ta’ 15-il jum fis-sena + 1 xahar avviż","15 days’ wages a year (at most ₹20 lakh)":"Paga ta’ 15-il jum fis-sena (l-iktar ₹20 lakh)","From 5 years (1 year on a fixed-term contract)":"Minn 5 snin (1 sena b’kuntratt għal żmien fiss)","India":"L-Indja","New regime (default)":"Sistema l-ġdida (awtomatika)","Old regime (with deductions)":"Sistema l-antika (bit-tnaqqis)","State (professional tax)":"Stat (taxxa professjonali)","Basic pay (% of gross)":"Paga bażika (% tal-gross)","EPF contributions":"Kontribuzzjonijiet EPF","On wages up to ₹15,000 (₹1,800 a month)":"Fuq paga sa ₹15,000 (₹1,800 fix-xahar)","On the full basic pay":"Fuq il-paga bażika kollha","Not in the EPF":"Mhux fl-EPF","Other section 80C savings a year (old regime)":"Tfaddil ieħor taħt it-taqsima 80C fis-sena (sistema l-antika)","Other deductions a year: HRA, 80D, home loan interest (old regime)":"Tnaqqis ieħor fis-sena: HRA, 80D, imgħax fuq is-self tad-dar (sistema l-antika)","Member of the pension scheme EPS (joined before September 2014 or basic pay up to ₹15,000)":"Membru tal-iskema tal-pensjoni EPS (dħul qabel Settembru 2014 jew paga bażika sa ₹15,000)","The new regime is the default: no tax up to ₹4 lakh, then 5% steps up to 30% above ₹24 lakh, and no tax at all when taxable income is ₹12 lakh or less (marginal relief just above). Salaried employees deduct a standard ₹75,000. The old regime has higher rates (5%, 20%, 30%) but keeps deductions such as section 80C (up to ₹1.5 lakh, including EPF), HRA, health insurance and home loan interest; you can choose it each year when you file. A 4% health and education cess is added, and a surcharge above ₹50 lakh.":"Is-sistema l-ġdida hija dik awtomatika: l-ebda taxxa sa ₹4 lakh, imbagħad skalini ta’ 5% sa 30% ’il fuq minn ₹24 lakh, u l-ebda taxxa xejn meta d-dħul taxxabbli ma jaqbiżx ₹12 lakh (b’serħan marġinali eżatt ’il fuq). L-impjegati jnaqqsu ammont fiss ta’ ₹75,000. Is-sistema l-antika għandha rati ogħla (5%, 20%, 30%) iżda żżomm it-tnaqqis bħat-taqsima 80C (sa ₹1.5 lakh, inkluż l-EPF), l-HRA, l-assigurazzjoni tas-saħħa u l-imgħax fuq is-self tad-dar; tista’ tagħżilha kull sena meta tibgħat id-dikjarazzjoni. Jiżdiedu ħlas għas-saħħa u l-edukazzjoni ta’ 4% u taxxa addizzjonali ’l fuq minn ₹50 lakh.","EPF, ESIC and professional tax":"EPF, ESIC u taxxa professjonali","You pay 12% of your wages (basic pay, at least half of your total pay under the Labour Codes) into the Employees’ Provident Fund and your employer pays 12%, of which up to ₹1,250 a month goes to the pension scheme EPS. Many employers pay only on the ₹15,000 wage ceiling (₹1,800 a month). ESIC health insurance (0.75% for you, 3.25% for the employer) applies when your pay is ₹21,000 a month or less. Most states charge a professional tax of up to ₹2,500 a year.":"Tħallas 12% tal-paga tiegħek (il-paga bażika, skont il-Labour Codes mill-inqas nofs ir-remunerazzjoni totali) fl-Employees’ Provident Fund u l-impjegatur 12%, li minnhom sa ₹1,250 fix-xahar imorru fl-iskema tal-pensjoni EPS. Ħafna impjegaturi jħallsu biss fuq il-limitu ta’ ₹15,000 (₹1,800 fix-xahar). L-assigurazzjoni tas-saħħa ESIC (0.75% għalik, 3.25% għall-impjegatur) tapplika meta l-paga tiegħek hija ta’ ₹21,000 fix-xahar jew inqas. Il-biċċa l-kbira tal-istati jiġbru taxxa professjonali sa ₹2,500 fis-sena.","Workers are paid at least twice their normal rate of wages for overtime (Code on Wages 2019 and Occupational Safety, Health and Working Conditions Code 2020, in force since November 2025). Wages here are basic pay, at least half of the total pay. Normal hours are at most 8 a day and 48 a week; each state sets the overtime limit. Managers and supervisors follow their contract.":"Il-ħaddiema jitħallsu mill-inqas id-doppju tar-rata normali tal-paga għas-sahra (Code on Wages 2019 u Occupational Safety, Health and Working Conditions Code 2020, fis-seħħ minn Novembru 2025). Il-paga hawn hija l-paga bażika, mill-inqas nofs ir-remunerazzjoni totali. Is-sigħat normali huma l-iktar 8 kuljum u 48 fil-ġimgħa; kull stat jiffissa l-limitu tas-sahra. Il-maniġers u s-superviżuri jsegwu l-kuntratt tagħhom.","Set by each state":"Iffissat minn kull stat","×{f} of wages ({w} of pay)":"×{f} tal-paga ({w} tar-remunerazzjoni)","Professionals with receipts up to ₹75 lakh can declare 50% of their receipts as profit (presumptive taxation) and pay income tax on it at the normal rates. There is no compulsory social security for the self-employed; the National Pension System is voluntary.":"Il-professjonisti bi dħul sa ₹75 lakh jistgħu jiddikjaraw 50% tad-dħul bħala profitt (tassazzjoni preżunta) u jħallsu t-taxxa fuq id-dħul fuqu bir-rati normali. M’hemmx sigurtà soċjali obbligatorja għal min jaħdem għal rasu; in-National Pension System huwa volontarju.","EPS pension":"Pensjoni EPS","The Employees’ Pension Scheme pays pensionable salary (average of the last 60 months, at most ₹15,000) × years of service ÷ 70, with service counted up to 35 years and 2 extra years after 20 years: at most ₹7,500 and at least ₹1,000 a month. You need 10 years of service; the pension starts at 58, from 50 with 4% less for each year earlier, or up to 60 with 4% more a year. Members who joined after August 2014 with basic pay above ₹15,000 are not covered.":"L-Employees’ Pension Scheme tħallas il-paga pensjonabbli (medja tal-aħħar 60 xahar, l-iktar ₹15,000) × snin ta’ servizz ÷ 70, b’mhux iktar minn 35 sena u 2 snin żejda wara 20 sena: l-iktar ₹7,500 u mill-inqas ₹1,000 fix-xahar. Trid 10 snin servizz; il-pensjoni tibda fit-58 sena, mill-50 b’4% inqas għal kull sena qabel, jew sas-60 b’4% iktar fis-sena. Min daħal wara Awwissu 2014 b’paga bażika ’l fuq minn ₹15,000 mhuwiex kopert.","EPF savings":"Tfaddil EPF","Your 12% and the rest of the employer’s 12% build up in the Employees’ Provident Fund with yearly interest (8.25% for 2024-25). You can withdraw it on retirement from 55; withdrawals after 5 years of membership are tax-free. There is no general state pension.":"It-12% tiegħek u l-bqija tat-12% tal-impjegatur jinġabru fl-Employees’ Provident Fund b’imgħax annwali (8.25% għall-2024-25). Tista’ tiġbdu mal-irtirar mill-55 sena; il-ġbid wara 5 snin sħubija huwa ħieles mit-taxxa. M’hemmx pensjoni ġenerali tal-istat.","Old regime: your own NPS contributions give an extra deduction of up to ₹50,000 a year (section 80CCD(1B)), on top of the ₹1.5 lakh section 80C limit. Employer contributions up to 10% of your basic pay are tax-free.":"Sistema l-antika: il-kontribuzzjonijiet NPS tiegħek jagħtu tnaqqis żejjed sa ₹50,000 fis-sena (taqsima 80CCD(1B)), fuq il-limitu ta’ ₹1.5 lakh tat-taqsima 80C. Il-kontribuzzjonijiet tal-impjegatur sa 10% tal-paga bażika tiegħek huma ħielsa mit-taxxa.","New regime: your own NPS contributions get no tax relief, but employer contributions up to 14% of your basic pay are tax-free (section 80CCD(2)).":"Sistema l-ġdida: il-kontribuzzjonijiet NPS tiegħek ma jagħtux serħan mit-taxxa, iżda dawk tal-impjegatur sa 14% tal-paga bażika tiegħek huma ħielsa mit-taxxa (taqsima 80CCD(2)).","National Pension System (NPS): employer contributions up to 14% of basic pay are tax-free (10% in the old regime, where your own contributions also get up to ₹50,000 of extra deduction). From 60 you can take up to 80% as a lump sum (60% of the fund is tax-free) and the rest buys an annuity taxed as income. Gains in equity funds are taxed at 12.5% above ₹1.25 lakh a year.":"National Pension System (NPS): il-kontribuzzjonijiet tal-impjegatur sa 14% tal-paga bażika huma ħielsa mit-taxxa (10% fis-sistema l-antika, fejn ukoll il-kontribuzzjonijiet tiegħek jagħtu sa ₹50,000 tnaqqis żejjed). Mis-60 sena tista’ tieħu sa 80% f’daqqa (60% tal-fond huwa ħieles mit-taxxa) u l-bqija jixtri annwità ntaxxata bħala dħul. Il-qligħ minn fondi tal-ishma huwa ntaxxat b’12.5% ’il fuq minn ₹1.25 lakh fis-sena.","Gandhi Jayanti":"Gandhi Jayanti","Maharashtra Day":"Jum Maharashtra","The Occupational Safety, Health and Working Conditions Code gives 1 day of paid annual leave for every 20 days worked once you have worked 180 days in a year (about 12 days on a 5-day week, 15 on a 6-day week). In Maharashtra the Shops and Establishments Act adds 8 days of casual leave and 8 paid festival holidays: 26 January, 1 May, 15 August, 2 October and 4 you agree with your employer, so the leave figure there includes the casual leave and those 4 holidays. Other states: only the national minimum and the 3 national holidays (Republic Day, Independence Day, Gandhi Jayanti) are shown; state laws and contracts usually add casual leave and festival holidays.":"L-Occupational Safety, Health and Working Conditions Code jagħti jum leave imħallas għal kull 20 jum xogħol, wara li taħdem 180 jum f’sena (madwar 12-il jum b’ġimgħa ta’ 5 ijiem, 15 b’ġimgħa ta’ 6). F’Maharashtra, ix-Shops and Establishments Act iżid 8 ijiem leave okkażjonali u 8 btajjel imħallsa: is-26 ta’ Jannar, l-1 ta’ Mejju, il-15 ta’ Awwissu, it-2 ta’ Ottubru u 4 li tiftiehem dwarhom mal-impjegatur; għalhekk in-numru ta’ jiem leave hemmhekk jinkludi l-leave okkażjonali u dawk l-4 btajjel. Stati oħra: jintwerew biss il-minimu nazzjonali u t-3 btajjel nazzjonali (Jum ir-Repubblika, Jum l-Indipendenza, Gandhi Jayanti); il-liġijiet tal-istati u l-kuntratti normalment iżidu leave okkażjonali u festi reliġjużi.","26 weeks (12 weeks from the third child)":"26 ġimgħa (12-il ġimgħa mit-tielet tifel jew tifla)","Full pay (after 80 days of work in the last year)":"Paga sħiħa (wara 80 jum xogħol fl-aħħar sena)","None by law in the private sector":"Xejn bil-liġi fis-settur privat","By employer policy":"Skont il-politika tal-impjegatur","Set by state law and contracts (often 7–12 days a year)":"Iffissat mil-liġi tal-istat u mill-kuntratti (spiss 7–12-il jum fis-sena)","ESIC pays 70% of wages for up to 91 days if your pay is up to ₹21,000":"L-ESIC tħallas 70% tal-paga sa 91 jum jekk il-paga tiegħek hija sa ₹21,000","Retrenched (worker with at least 1 year of service)":"Tnaqqis tal-ħaddiema (ħaddiem jew ħaddiema b’mill-inqas sena servizz)","Let go as a manager or supervisor":"Tmiem bħala maniġer jew superviżur","Fixed-term contract ends":"Jintemm kuntratt għal żmien fiss","After 5 years of continuous service (1 year on a fixed-term contract) you get 15 days’ wages for each year: wages × 15 ÷ 26 × years, where a part year of more than 6 months counts as a full year. Wages are basic pay, at least half of your total pay. It is paid whether you resign, retire or are let go (not after dismissal for serious misconduct), at most ₹20 lakh, and is tax-free up to that amount.":"Wara 5 snin servizz kontinwu (1 sena b’kuntratt għal żmien fiss) tieħu l-paga ta’ 15-il jum għal kull sena: paga × 15 ÷ 26 × snin, fejn parti minn sena ta’ iktar minn 6 xhur titqies sena sħiħa. Il-paga hija l-paga bażika, mill-inqas nofs ir-remunerazzjoni totali. Titħallas meta tirriżenja, tirtira jew titkeċċa (mhux wara tkeċċija għal kondotta ħażina serja), l-iktar ₹20 lakh, u hija ħielsa mit-taxxa sa dak l-ammont.","Retrenchment":"Tnaqqis tal-ħaddiema","Workers (not managers or supervisors) with at least a year of service get one month’s notice or pay instead, 15 days’ wages for each year of service (tax-free up to ₹5 lakh) and another 15 days’ wages from the Worker Re-skilling Fund. Large establishments (300 or more workers) need government permission. There is no general unemployment benefit; ESIC schemes help some low-paid insured workers for a limited time.":"Il-ħaddiema (mhux maniġers jew superviżuri) b’mill-inqas sena servizz jieħdu xahar avviż jew il-paga minflok, il-paga ta’ 15-il jum għal kull sena servizz (ħielsa mit-taxxa sa ₹5 lakh) u paga oħra ta’ 15-il jum mill-Worker Re-skilling Fund. L-istabbilimenti l-kbar (300 ħaddiem jew iktar) jeħtieġu permess mill-gvern. M’hemmx benefiċċju ġenerali tal-qgħad; l-iskemi tal-ESIC jgħinu għal żmien limitat lil xi assigurati b’paga baxxa.","With your figures the {r} would leave you <b>{d}</b> more a year. Salaried employees can choose their regime each year when they file.":"Bil-figuri tiegħek, {r} kienet tħallilek <b>{d}</b> iktar fis-sena. L-impjegati jistgħu jagħżlu s-sistema kull sena meta jibagħtu d-dikjarazzjoni.","new regime":"is-sistema l-ġdida","old regime":"is-sistema l-antika","Your regime is the better one with your figures: the {r} would cost you <b>{d}</b> more a year.":"Is-sistema tiegħek hija l-aħjar bil-figuri tiegħek: {r} kienet tiswielek <b>{d}</b> iktar fis-sena.","An employer NPS contribution of up to 14% of your basic pay is tax-free even in the new regime, so asking for part of your pay that way can raise your take-home pay.":"Kontribuzzjoni NPS tal-impjegatur sa 14% tal-paga bażika tiegħek hija ħielsa mit-taxxa anki fis-sistema l-ġdida, għalhekk jekk tieħu parti mir-remunerazzjoni b’dan il-mod tista’ tgħolli l-paga netta tiegħek.","Spouses are taxed separately and there is no child allowance in the new regime; in the old regime school fees for up to two children count towards section 80C.":"Il-miżżewġin huma ntaxxati separatament u s-sistema l-ġdida m’għandhiex tnaqqis għat-tfal; fis-sistema l-antika l-miżati tal-iskola għal mhux iktar minn żewġt itfal jgħoddu għat-taqsima 80C.","Retrenchment 15 days’ wages a year + gratuity after 5 years":"Tnaqqis tal-ħaddiema: paga ta’ 15-il jum fis-sena + gratuity wara 5 snin","26 weeks at full pay":"26 ġimgħa b’paga sħiħa","By state law (often 7–12 days)":"Skont il-liġi tal-istat (spiss 7–12-il jum)","Yearly EPF, ESIC, professional tax and income tax for one salaried employee in FY 2026-27 (April 2026 to March 2027). The old regime uses only the deductions you enter; HRA exemption rules, perquisites, the employer’s admin minimums, Labour Welfare Fund, the higher EPS pension option and women’s professional tax exemptions are not modelled.":"EPF, ESIC, taxxa professjonali u taxxa fuq id-dħul annwali għal impjegat wieħed fis-sena fiskali 2026-27 (April 2026 sa Marzu 2027). Is-sistema l-antika tuża biss it-tnaqqis li ddaħħal; ir-regoli tal-eżenzjoni HRA, il-benefiċċji in natura, il-miżati amministrattivi minimi tal-impjegatur, il-Labour Welfare Fund, l-għażla ta’ pensjoni EPS ogħla u l-eżenzjonijiet mit-taxxa professjonali għan-nisa mhumiex ikkalkulati.","Official sources: Income Tax Department (tax slabs and rebate for FY 2026-27), EPFO (EPF and EPS contributions, EPS-95 pension), ESIC (contribution rates and wage limit), Ministry of Labour and Employment (Labour Codes in force since 21 November 2025: wages, leave, overtime, gratuity, retrenchment), state professional tax laws, Reserve Bank of India (housing loan limits), MoSPI (consumer prices, household consumption survey 2023-24), World Bank ICP (price levels).":"Sorsi uffiċjali: Income Tax Department (skalini u tnaqqis 2026-27), EPFO (kontribuzzjonijiet EPF u EPS, pensjoni EPS-95), ESIC (rati u limitu tal-paga), Ministry of Labour and Employment (Labour Codes fis-seħħ mill-21 ta’ Novembru 2025: pagi, leave, sahra, gratuity, tnaqqis tal-ħaddiema), liġijiet tal-istati dwar it-taxxa professjonali, Reserve Bank of India (limiti tas-self tad-djar), MoSPI (prezzijiet tal-konsumatur, stħarriġ dwar il-konsum tal-familji 2023-24), il-Bank Dinji ICP (livelli tal-prezzijiet).","New-regime tax on ₹14.25 lakh of taxable income (incl. 4% cess)":"Taxxa fis-sistema l-ġdida fuq ₹14.25 lakh ta’ dħul taxxabbli (inkluż il-ħlas ta’ 4%)","Tax on ₹12.1 lakh of taxable income after marginal relief (incl. cess)":"Taxxa fuq ₹12.1 lakh ta’ dħul taxxabbli wara s-serħan marġinali (inkluż il-ħlas)","Old-regime tax on ₹10 lakh of taxable income (under 60, incl. cess)":"Taxxa fis-sistema l-antika fuq ₹10 lakh ta’ dħul taxxabbli (taħt is-60, inkluż il-ħlas)","New-regime tax on ₹51 lakh with surcharge marginal relief":"Taxxa fis-sistema l-ġdida fuq ₹51 lakh bis-serħan marġinali tat-taxxa addizzjonali","EPF employee contribution at the ₹15,000 wage ceiling (a month)":"Kontribuzzjoni EPF tal-impjegat fil-limitu ta’ ₹15,000 (fix-xahar)","Employer share going to EPS (a month)":"Is-sehem tal-impjegatur li jmur fl-EPS (fix-xahar)","Maximum EPS pension (₹15,000, 35 years)":"L-ogħla pensjoni EPS (₹15,000, 35 sena)","EPS minimum pension after 10 years on ₹5,000":"L-inqas pensjoni EPS wara 10 snin b’₹5,000","Gratuity after 10 years on ₹30,000 wages":"Gratuity wara 10 snin b’paga ta’ ₹30,000","Gratuity cap":"Limitu tal-gratuity","GPSSA pension contribution 11%":"Kontribuzzjoni tal-pensjoni GPSSA 11%","ILOE unemployment insurance premium":"Primjum tal-assigurazzjoni tal-qgħad ILOE","Income tax (none in the UAE)":"Taxxa fuq id-dħul (m’hemmx fl-UAE)","Basic salary (used for gratuity and overtime)":"Paga bażika (għall-gratuity tat-tmiem tas-servizz u s-sahra)","Employer GPSSA contribution":"Kontribuzzjoni GPSSA tal-impjegatur","Expatriates build no state pension in the UAE. Your end-of-service gratuity (Termination tab) is paid when you leave a job, and your home country’s pension may count earlier years.":"Bi ċittadinanza barranija ma tibnix pensjoni tal-istat fl-UAE. Il-gratuity tat-tmiem tas-servizz tiegħek (tab Tkeċċija) titħallas meta titlaq minn xogħol, u l-pensjoni ta’ pajjiżek tista’ tgħodd is-snin ta’ qabel.","A GPSSA pension needs at least 15 years of contributions; with fewer years you get an end-of-service gratuity instead.":"Pensjoni GPSSA teħtieġ mill-inqas 15-il sena kontribuzzjonijiet; b’inqas snin tieħu gratuity tat-tmiem tas-servizz minflok.","The pension starts at 60, or from 55 once you have 30 years of contributions.":"Il-pensjoni tibda fis-60 sena, jew mill-55 meta jkollok 30 sena kontribuzzjonijiet.","GPSSA pension: {p} of your average contribution salary of the last 6 years ({s} a month) after {y} years of contributions. No income tax is due on it.":"Pensjoni GPSSA: {p} tal-paga medja tal-kontribuzzjoni tal-aħħar 6 snin ({s} fix-xahar) wara {y} snin kontribuzzjonijiet. Ma titħallasx taxxa fuq id-dħul fuqha.","End-of-service gratuity (21 days’ basic salary a year for 5 years, then 30 days)":"Gratuity tat-tmiem tas-servizz (21 jum paga bażika fis-sena għal 5 snin, imbagħad 30 jum)","ILOE: {m} a month (60% of your basic salary, capped) for up to 3 months, if you subscribed for at least 12 months":"ILOE: {m} fix-xahar (60% tal-paga bażika tiegħek, b’limitu) sa 3 xhur, wara mill-inqas 12-il xahar assigurazzjoni","ILOE does not pay after a resignation":"L-ILOE ma tħallasx wara riżenja","30 to 90 days, as in your contract":"30 sa 90 jum, skont il-kuntratt tiegħek","Gratuity per year (basic salary)":"Gratuity fis-sena (paga bażika)","21 days":"21 jum","30 days (total at most 2 years’ wage)":"30 jum (b’kollox l-iktar 2 snin paga)","Labour law art. 43":"Liġi tax-xogħol, art. 43","Eid al-Fitr holiday":"Btala tal-Eid al-Fitr","Arafat Day":"Jum Arafat","Eid al-Adha holiday":"Btala tal-Eid al-Adha","Islamic New Year":"Sena Ġdida Iżlamika","Prophet Muhammad’s birthday":"Għeluq is-sena tal-Profeta Muħammad","National Day (Eid Al Etihad)":"Jum Nazzjonali (Eid Al Etihad)","National Day holiday":"Btala tal-Jum Nazzjonali","United Arab Emirates":"L-Emirati Għarab Magħquda","Nationality":"Ċittadinanza","Expatriate":"Ċittadinanza barranija","UAE national (GPSSA, insured from 31 October 2023)":"Ċittadinanza tal-UAE (GPSSA, assigurazzjoni mill-31 ta’ Ottubru 2023)","Basic salary (% of gross)":"Paga bażika (% tal-gross)","No income tax":"L-ebda taxxa fuq id-dħul","The UAE has no personal income tax on salaries, so your take-home pay is your gross pay less any pension contribution and the small ILOE premium. Salaries are usually split into basic salary and allowances (housing, transport); the basic salary sets your gratuity and overtime pay.":"L-UAE m’għandhiex taxxa fuq id-dħul fuq il-pagi, għalhekk il-paga netta tiegħek hija l-gross bla l-kontribuzzjoni tal-pensjoni, jekk hemm, u l-primjum żgħir ILOE. Il-pagi normalment jinqasmu f’paga bażika u allowances (akkomodazzjoni, trasport); il-paga bażika tiddetermina l-gratuity u l-ħlas tas-sahra.","Pension contributions (Emiratis)":"Kontribuzzjonijiet tal-pensjoni (ċittadini tal-UAE)","UAE nationals in the private sector insured from 31 October 2023 pay 11% of their contract salary (AED 3,000 to AED 70,000 a month) to the GPSSA and their employer 15%, of which the government pays 2.5 points below AED 20,000. Those insured earlier pay 5% under the old law. Expatriates pay no pension contributions.":"Iċ-ċittadini tal-UAE fis-settur privat assigurati mill-31 ta’ Ottubru 2023 iħallsu 11% tal-paga tal-kuntratt (AED 3,000 sa AED 70,000 fix-xahar) lill-GPSSA u l-impjegatur 15%, li minnhom l-istat iħallas 2.5 punti taħt AED 20,000. Dawk assigurati qabel iħallsu 5% taħt il-liġi l-antika. Bi ċittadinanza barranija ma jitħallsux kontribuzzjonijiet tal-pensjoni.","Unemployment insurance (ILOE)":"Assigurazzjoni tal-qgħad (ILOE)","Every private-sector employee must subscribe to the Involuntary Loss of Employment scheme: AED 5 a month, or AED 10 when the basic salary is above AED 16,000.":"Kull impjegat fis-settur privat irid jissieħeb fl-iskema Involuntary Loss of Employment: AED 5 fix-xahar, jew AED 10 meta l-paga bażika tkun ’il fuq minn AED 16,000.","Overtime is paid at the hourly basic wage plus at least 25%, or plus 50% for overtime between 10 pm and 4 am (not for shift work). Work on your rest day gives another day off or the basic wage plus 50%. The hourly basic wage is the basic salary ÷ 30 ÷ daily hours. Overtime is at most 2 hours a day; normal hours are at most 8 a day and 48 a week.":"Is-sahra titħallas bil-paga bażika fis-siegħa flimkien ma’ mill-inqas 25%, jew 50% għas-sahra bejn l-10 ta’ filgħaxija u l-4 ta’ filgħodu (mhux għax-xogħol bix-shifts). Ix-xogħol fil-jum tal-mistrieħ jagħti jum ieħor off jew il-paga bażika flimkien ma’ 50%. Il-paga bażika fis-siegħa hija l-paga bażika ÷ 30 ÷ is-sigħat kuljum. Is-sahra hija l-iktar 2 sigħat kuljum; is-sigħat normali huma l-iktar 8 kuljum u 48 fil-ġimgħa.","+{p}% on basic pay":"+{p}% fuq il-paga bażika","Overtime between 10 pm and 4 am":"Sahra bejn l-10 ta’ filgħaxija u l-4 ta’ filgħodu","Work on your rest day":"Xogħol fil-jum tal-mistrieħ tiegħek","No social security for self-employed expatriates":"L-ebda sigurtà soċjali għal min jaħdem għal rasu bi ċittadinanza barranija","Freelancers":"Freelancers","There is no personal income tax. Individuals whose business turnover is above AED 1 million a year fall under the 9% corporate tax on profit above AED 375,000, but small business relief (revenue up to AED 3 million) removes it for tax periods ending by 31 December 2026. Freelancers need a freelance permit or a trade licence.":"M’hemmx taxxa fuq id-dħul personali. Persuni b’fatturat ta’ iktar minn AED 1 miljun fis-sena jaqgħu taħt it-taxxa korporattiva ta’ 9% fuq il-profitt ’il fuq minn AED 375,000, iżda s-serħan għan-negozji ż-żgħar (dħul sa AED 3 miljun) ineħħiha għall-perjodi tat-taxxa li jintemmu sal-31 ta’ Diċembru 2026. Il-freelancers jeħtieġu permess freelance jew liċenzja kummerċjali.","GPSSA pension (Emiratis)":"Pensjoni GPSSA (ċittadini tal-UAE)","For Emiratis insured from 31 October 2023, the pension is 2.67% of the average contribution salary of the last 6 years for each year of contributions up to 30 years (80.1%), then 4% a year, reaching 100% at 35 years. It is paid from 60 with at least 15 years, or on request from 55 with 30 years; with fewer than 15 years you get an end-of-service gratuity instead. Mothers can retire earlier.":"Għaċ-ċittadini tal-UAE assigurati mill-31 ta’ Ottubru 2023, il-pensjoni hija 2.67% tal-paga medja tal-kontribuzzjoni tal-aħħar 6 snin għal kull sena kontribuzzjonijiet sa 30 sena (80.1%), imbagħad 4% fis-sena, sa 100% wara 35 sena. Titħallas mis-60 sena b’mill-inqas 15-il sena, jew fuq talba mill-55 b’30 sena; b’inqas minn 15-il sena tingħata gratuity tat-tmiem tas-servizz minflok. L-ommijiet jistgħu jirtiraw qabel.","Expatriates":"Ċittadinanza barranija","Expatriates are not covered by the GPSSA and build no state pension. They receive the end-of-service gratuity when a job ends; some employers offer the voluntary end-of-service savings scheme instead.":"Persuni bi ċittadinanza barranija mhumiex koperti mill-GPSSA u ma jibnux pensjoni tal-istat. Jieħdu l-gratuity tat-tmiem tas-servizz meta jintemm xogħol; xi impjegaturi joffru minflok l-iskema volontarja ta’ tfaddil għat-tmiem tas-servizz.","There is no income tax, so savings get no tax relief and withdrawals are not taxed.":"M’hemmx taxxa fuq id-dħul, għalhekk it-tfaddil ma jagħtix serħan mit-taxxa u l-ġbid mhuwiex intaxxat.","With no income tax, a private plan has no tax advantage over investing yourself: compare the fees. Employers can pay the end-of-service gratuity into an approved savings fund under the voluntary scheme introduced in 2023.":"Mingħajr taxxa fuq id-dħul, pjan privat m’għandu l-ebda vantaġġ fiskali fuq l-investiment waħdek: qabbel il-miżati. L-impjegaturi jistgħu jħallsu l-gratuity tat-tmiem tas-servizz f’fond tat-tfaddil approvat taħt l-iskema volontarja tal-2023.","After a year of service you get 30 calendar days of paid annual leave (about 22 working days with a Saturday–Sunday weekend); between 6 and 12 months, 2 days a month. The official public holidays of 2026 are shown, including the Islamic holidays as announced; their dates follow the moon and are set each year.":"Wara sena servizz għandek 30 jum kalendarju ta’ leave annwali mħallas (madwar 22 jum tax-xogħol b’weekend Sibt–Ħadd); bejn 6 u 12-il xahar, 2 jiem fix-xahar. Jintwerew il-btajjel uffiċjali tal-2026, inkluż dawk Iżlamiċi kif ġew imħabbra; id-dati tagħhom isegwu l-qamar u jiġu ffissati kull sena.","60 days":"60 jum","45 days full pay, 15 days half pay":"45 jum paga sħiħa, 15-il jum nofs paga","5 working days within 6 months of the birth":"5 ijiem tax-xogħol fi żmien 6 xhur mit-twelid","Up to 90 days a year after probation":"Sa 90 jum fis-sena wara l-probation","15 days full pay, 30 days half pay, then unpaid":"15-il jum paga sħiħa, 30 jum nofs paga, imbagħad mingħajr ħlas","Contract ends":"Jintemm il-kuntratt","End-of-service gratuity":"Gratuity tat-tmiem tas-servizz","Expatriates with at least a year of continuous service get 21 days of basic salary for each of the first 5 years and 30 days for each further year, pro rata for part years, at most two years’ wage. A day is the basic salary ÷ 30. It is paid however the contract ends, including a resignation. UAE nationals are covered by the pension law instead.":"Persuni bi ċittadinanza barranija b’mill-inqas sena servizz kontinwu jieħdu 21 jum paga bażika għal kull waħda mill-ewwel 5 snin u 30 jum għal kull sena wara, pro rata għal partijiet minn sena, l-iktar 2 snin paga. Jum huwa l-paga bażika ÷ 30. Titħallas ikun kif ikun jintemm il-kuntratt, anki b’riżenja. Iċ-ċittadini tal-UAE huma koperti minflok mil-liġi tal-pensjonijiet.","Notice and ILOE":"Avviż u ILOE","The notice period is 30 to 90 days, as agreed in the contract. If you lose your job (not by resignation or for misconduct) after at least 12 months in the ILOE scheme, it pays 60% of your average basic salary of the last 6 months, at most AED 10,000 a month (AED 20,000 when the basic salary is above AED 16,000), for up to 3 months.":"Il-perjodu ta’ avviż huwa 30 sa 90 jum, kif miftiehem fil-kuntratt. Jekk titlef ix-xogħol (mhux b’riżenja jew għal kondotta ħażina) wara mill-inqas 12-il xahar fl-ILOE, l-iskema tħallas 60% tal-paga bażika medja tiegħek tal-aħħar 6 xhur, l-iktar AED 10,000 fix-xahar (AED 20,000 meta l-paga bażika tkun ’il fuq minn AED 16,000), sa 3 xhur.","Your gratuity and overtime pay are based on your basic salary only, so the share of basic pay in your package matters as much as the total.":"Il-gratuity u l-ħlas tas-sahra tiegħek huma bbażati biss fuq il-paga bażika, għalhekk is-sehem tal-paga bażika fil-pakkett tiegħek huwa importanti daqs it-total.","As an expatriate you build no state pension here: saving part of your tax-free pay yourself is the main way to prepare for retirement.":"Mingħajr ċittadinanza tal-UAE ma tibnix pensjoni tal-istat hawn: it-tfaddil ta’ parti mill-paga ħielsa mit-taxxa huwa l-mod ewlieni biex tipprepara għall-irtirar.","There is no income tax, so a partner’s salary does not change your take-home pay.":"M’hemmx taxxa fuq id-dħul, għalhekk il-paga tal-partner tiegħek ma tbiddilx il-paga netta tiegħek.","Gratuity: 21–30 days’ basic salary per year":"Gratuity: 21–30 jum paga bażika fis-sena","30–90 days":"30–90 jum","60% of basic salary, 3 months":"60% tal-paga bażika, 3 xhur","60 days (45 at full pay, 15 at half pay)":"60 jum (45 b’paga sħiħa, 15 b’nofs paga)","15 days full pay, 30 days half pay":"15-il jum paga sħiħa, 30 jum nofs paga","Monthly take-home pay for one private-sector employee in 2026: no income tax, the ILOE premium and, for UAE nationals insured from 31 October 2023, the 11% GPSSA contribution. Emiratis insured under the old law (5%), Abu Dhabi’s own pension fund for its nationals, DIFC’s DEWS plan, VAT and fees are not modelled.":"Paga netta fix-xahar għal impjegat wieħed fis-settur privat fl-2026: l-ebda taxxa fuq id-dħul, il-primjum ILOE u, għaċ-ċittadini tal-UAE assigurati mill-31 ta’ Ottubru 2023, il-kontribuzzjoni GPSSA ta’ 11%. Iċ-ċittadini taħt il-liġi l-antika (5%), il-fond tal-pensjoni ta’ Abu Dhabi għaċ-ċittadini tiegħu, il-pjan DEWS tad-DIFC, il-VAT u l-miżati mhumiex ikkalkulati.","Official sources: General Pension and Social Security Authority (Federal Decree-Law 57 of 2023: contributions and pension), Ministry of Human Resources and Emiratisation (Labour Law, Decree-Law 33 of 2021: leave, overtime, gratuity, notice; ILOE scheme), UAE Government portal (public holidays 2026), Federal Tax Authority (corporate tax and small business relief), Central Bank of the UAE (mortgage rules), Dubai Land Department (fees), Federal Competitiveness and Statistics Centre (consumer prices), World Bank ICP (price levels).":"Sorsi uffiċjali: General Pension and Social Security Authority (Digriet-Liġi 57 tal-2023: kontribuzzjonijiet u pensjoni), Ministry of Human Resources and Emiratisation (liġi tax-xogħol, Digriet-Liġi 33 tal-2021: leave, sahra, gratuity, avviż; skema ILOE), il-portal tal-Gvern tal-UAE (btajjel 2026), Federal Tax Authority (taxxa korporattiva u serħan għan-negozji ż-żgħar), il-Bank Ċentrali tal-UAE (regoli tas-self tad-djar), Dubai Land Department (miżati), Federal Competitiveness and Statistics Centre (prezzijiet tal-konsumatur), il-Bank Dinji ICP (livelli tal-prezzijiet).","GPSSA employee contribution on AED 15,000 a month (UAE national)":"Kontribuzzjoni GPSSA tal-impjegat fuq AED 15,000 fix-xahar (ċittadinanza tal-UAE)","Maximum GPSSA employee contribution (AED 70,000 ceiling)":"L-ogħla kontribuzzjoni GPSSA tal-impjegat (limitu ta’ AED 70,000)","GPSSA pension after 30 years on an average of AED 20,000":"Pensjoni GPSSA wara 30 sena b’medja ta’ AED 20,000","GPSSA pension after 35 years on an average of AED 20,000":"Pensjoni GPSSA wara 35 sena b’medja ta’ AED 20,000","Gratuity after 10 years on a basic salary of AED 10,000":"Gratuity wara 10 snin b’paga bażika ta’ AED 10,000","Gratuity cap after 30 years (two years’ wage)":"Limitu tal-gratuity wara 30 sena (2 snin paga)","ILOE benefit for 3 months on a basic salary of AED 10,000":"Benefiċċju ILOE għal 3 xhur b’paga bażika ta’ AED 10,000","Maharashtra (6% + 1%)":"Maharashtra (6% + 1%)","Karnataka (about 5.6% + 1%)":"Karnataka (madwar 5.6% + 1%)","Tamil Nadu (about 7% + 2%)":"Tamil Nadu (madwar 7% + 2%)","Telangana (about 7.5%)":"Telangana (madwar 7.5%)","West Bengal (about 6–7% + 1%)":"Bengal tal-Punent (madwar 6–7% + 1%)","Gujarat (about 4.9% + 1%)":"Gujarat (madwar 4.9% + 1%)","Delhi (6% + 1%)":"Delhi (6% + 1%)","Uttar Pradesh or Haryana (about 7% + 1%)":"Uttar Pradesh jew Haryana (madwar 7% + 1%)","Other state (estimate, 6% + 1%)":"Stat ieħor (stima, 6% + 1%)","Dubai":"Dubai","Abu Dhabi":"Abu Dhabi","Stamp duty {0}":"Taxxa tal-bolla {0}","Registration fee 1% (at most ₹30,000)":"Miżata tar-reġistrazzjoni 1% (l-iktar ₹30,000)","Registration fee {0}":"Miżata tar-reġistrazzjoni {0}","Loan processing, legal and valuation fees (estimate, about 0.5% of the loan)":"Spejjeż tal-ipproċessar, legali u tal-valutazzjoni tas-self (stima, madwar 0.5% tas-self)","Abu Dhabi transfer fee 2%":"Miżata tat-trasferiment ta’ Abu Dhabi 2%","Mortgage registration 0.1% of the loan":"Reġistrazzjoni tal-ipoteka 0.1% tas-self","Agent commission and bank fees (estimate, about 3%)":"Kummissjoni tal-aġent u miżati tal-bank (stima, madwar 3%)","Dubai Land Department transfer fee 4% + AED 580":"Miżata tat-trasferiment tad-Dubai Land Department 4% + AED 580","Mortgage registration 0.25% of the loan + AED 290":"Reġistrazzjoni tal-ipoteka 0.25% tas-self + AED 290","Trustee office fee incl. VAT":"Miżata tal-uffiċċju trustee inkluż il-VAT","Agent commission 2% + VAT (estimate)":"Kummissjoni tal-aġent 2% + VAT (stima)","Bank arrangement and valuation fees (estimate, about 1% of the loan)":"Miżati tal-bank għall-arranġament u l-valutazzjoni (stima, madwar 1% tas-self)","Not modelled: in the old tax regime up to ₹2 lakh of interest a year on a home you live in is deductible (section 24(b)) and repayments of the loan count towards the ₹1.5 lakh section 80C limit; the new regime gives no relief for a home you live in.":"Mhux ikkalkulat: fis-sistema tat-taxxa l-antika sa ₹2 lakh imgħax fis-sena fuq dar fejn tgħix jistgħu jitnaqqsu (taqsima 24(b)) u l-ħlas lura tas-self jgħodd għal-limitu ta’ ₹1.5 lakh tat-taqsima 80C; is-sistema l-ġdida ma tagħti l-ebda serħan għal dar fejn tgħix.","There is no income tax, so there is no relief on mortgage interest.":"M’hemmx taxxa fuq id-dħul, għalhekk m’hemmx serħan fuq l-imgħax tas-self tad-dar.","Reserve Bank of India: a housing loan can be at most 90% of the value for loans up to ₹30 lakh, 80% up to ₹75 lakh and 75% above (stamp duty and registration not counted in the value). Banks also check that all loan payments stay within about 50–60% of your income.":"Reserve Bank of India: self għad-dar jista’ jkun l-iktar 90% tal-valur għal self sa ₹30 lakh, 80% sa ₹75 lakh u 75% ’il fuq (it-taxxa tal-bolla u r-reġistrazzjoni ma jgħoddux fil-valur). Il-banek jiċċekkjaw ukoll li l-pagamenti kollha tas-self jibqgħu madwar 50–60% tad-dħul tiegħek.","Central Bank of the UAE: a first home loan can be at most 80% of the value for expatriates (70% above AED 5 million) and 85% for UAE nationals (75% above AED 5 million); 60% or 65% for a second home and 50% for off-plan homes. All debt payments at most 50% of income, and at most 25 years.":"Il-Bank Ċentrali tal-UAE: self għall-ewwel dar jista’ jkun l-iktar 80% tal-valur bi ċittadinanza barranija (70% ’il fuq minn AED 5 miljun) u 85% għaċ-ċittadini tal-UAE (75% ’il fuq minn AED 5 miljun); 60% jew 65% għat-tieni dar u 50% għal djar fuq il-pjanta. Il-pagamenti kollha tad-dejn l-iktar 50% tad-dħul, u l-iktar 25 sena.","The old regime uses only the deductions you enter (HRA exemption, health insurance and home loan interest must be typed in), and professional tax follows the state you choose.":"Is-sistema l-antika tuża biss it-tnaqqis li ddaħħal (l-eżenzjoni HRA, l-assigurazzjoni tas-saħħa u l-imgħax fuq is-self tad-dar iridu jiddaħħlu), u t-taxxa professjonali ssegwi l-istat li tagħżel.","EPF savings are projected with a 3% real return (EPF interest has been about 8–8.65% a year) and shown as a monthly amount; the higher EPS pension on actual pay and the lump sums for less than 10 years of service are not modelled. Your EPFO passbook gives your real balance.":"It-tfaddil EPF huwa proġettat b’redditu reali ta’ 3% (l-imgħax tal-EPF kien madwar 8–8.65% fis-sena) u muri bħala ammont fix-xahar; il-pensjoni EPS ogħla fuq il-paga attwali u s-somom waħda għal inqas minn 10 snin servizz mhumiex ikkalkulati. Il-passbook EPFO tiegħek juri l-bilanċ reali.","Expatriates have no state pension. For UAE nationals the rules for people insured before 31 October 2023, the earlier ages for mothers and Abu Dhabi’s own pension fund are not modelled.":"Bi ċittadinanza barranija m’hemmx pensjoni tal-istat. Għaċ-ċittadini tal-UAE mhumiex ikkalkulati r-regoli għal dawk assigurati qabel il-31 ta’ Ottubru 2023, l-etajiet iktar baxxi għall-ommijiet u l-fond tal-pensjoni ta’ Abu Dhabi.","Gratuity and retrenchment use your basic pay as wages (at least half of your pay) and a day as wages ÷ 26. The law does not fix the divisor for retrenchment and some employers use ÷ 30, which gives 13% less. State laws, standing orders and contracts can give longer notice, and unused leave encashment is tax-free up to ₹25 lakh.":"Il-gratuity u l-kumpens għat-tnaqqis tal-ħaddiema jużaw il-paga bażika tiegħek bħala paga (mill-inqas nofs ir-remunerazzjoni) u jum bħala paga ÷ 26. Il-liġi ma tiffissax id-diviżur għat-tnaqqis tal-ħaddiema u xi impjegaturi jużaw ÷ 30, li jagħti 13% inqas. Il-liġijiet tal-istati, ir-regolamenti interni u l-kuntratti jistgħu jagħtu avviż itwal, u l-ħlas tal-leave mhux użat huwa ħieles mit-taxxa sa ₹25 lakh.","The gratuity counts a day as the basic salary ÷ 30; some employers use basic × 12 ÷ 365, which gives about 1% less. Unpaid leave and days of absence are not deducted from the service.":"Il-gratuity tgħodd jum bħala l-paga bażika ÷ 30; xi impjegaturi jużaw paga bażika × 12 ÷ 365, li jagħti madwar 1% inqas. Il-leave mingħajr ħlas u l-assenzi ma jitnaqqsux mis-servizz.","Your NPS contributions":"Il-kontribuzzjonijiet NPS tiegħek","Questions":"Mistoqsijiet"}