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Malta Retirement Programme (MRP)

Malta · Southern Europe

Source: Mobility Asset DatabaseLifecycle: UnknownExtended ResidencyIndependent Means Visas

Program facts from the CitizensOS Mobility Asset Database. Unknown facts are shown as Unknown, never as zero.

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Publication state
Mobility Asset Database
Lifecycle status
Unknown
Facts checked through
Sep 21, 2026
Source snapshots
Database edition

Identity and current status

The route identity and current status.

Present
Year establishedPublished
2012
Governing lawPublished
Malta Retirement Programme Rules (S.L. 123.134, originally Legal Notice 317 of 2012, under the Income Tax Act Cap. 123); replaced from 1 January 2027 by the Individual Tax Programme Rules, 2026 (Legal Notice 195 of 2026)
Responsible authorityPublished
Malta Tax and Customs Administration (Commissioner for Revenue); residence permits by Identità

What the program provides

What the program gives the holder.

Present
What the program providesPublished
Retire to Malta on a pension with a 15% flat tax on remitted foreign income and a residence permit for non-EU retirees

Best suited for

Who the program tends to suit. Research only, never a personal recommendation.

Absent

No governed customer claim is present for this section.

Eligibility

Personal qualifications an applicant must establish.

Present
Minimum ageUnknown
Unknown
Clean criminal record requiredPublished
Yes
Local health insurance requiredPublished
Yes
Nationality restrictionsPublished
No
Basic eligibilityPublished
Pension making up at least 75% of chargeable income, all received in Malta; buy (EUR 275,000, or EUR 220,000 in Gozo/South) or rent (EUR 9,600/yr, or EUR 8,750 Gozo/South) a qualifying home; EU-wide health insurance; not employed
Generational limitPublished
Not applicable

Household inclusion

How spouses and children are treated.

Present
Family sponsorshipPublished
Yes
Spouse includedPublished
Yes
Children includedPublished
Yes
Child age limitPublished
25 years
ChildrenPublished
Minor children and children 18-25; older children with illness or disability; each dependant adds EUR 500 minimum tax

Documents

Evidence categories and filing documents.

Absent

No governed customer claim is present for this section.

Process and timeline

How you apply and how long it takes.

Present
Processing timePublished
13–17.4 weeks
Can apply without travelingPublished
Yes
How you applyPublished
Special tax status via an Authorised Registered Mandatory to the Commissioner for Revenue, then residence permit (non-EU) via Identità
Required in-person stepPublished
Biometrics in Malta before the residence card is issued (non-EU)
What the processing time measuresPublished
About 3-4 months to special tax status approval (Global Citizen Solutions, law firm); residence card after that
Official application routePublished
https://mtca.gov.mt/personal-tax/individual/special-schemes/malta-retirement-programme

Costs and investment

Fees, income and savings thresholds, and investment amounts.

Present
Minimum investmentPublished
None required
Minimum passive investment (July 2026)Published
None required
Minimum active investment (July 2026)Published
None required
Processing feePublished
None required
Application feePublished
$2,925
Total cost to applyPublished
$2,925
Monthly income requiredPublished
None required
Monthly pension income requiredUnknown
Unknown
Monthly rental income requiredPublished
None required
Savings requiredPublished
None required
Proof of sufficient fundsPublished
Yes
Local bank deposit requiredPublished
No
Minimum local bank depositPublished
None required
Fees paidPublished
Before approval
Cost notesPublished
Non-refundable administrative fee EUR 2,500 (applications filed by 31 Dec 2026). From 1 Jan 2027: EUR 8,500 application fee and EUR 2,500 renewal every 5 years. Minimum annual tax EUR 7,500 + EUR 500 per dependant (EUR 15,000 flat from 2027 for new applicants).

Presence and maintenance

Stay, renewal, and how long the status lasts.

Present
Stay required to keep statusPublished
90 days/year
Physical presence requiredPublished
Yes
In-country visit requiredPublished
Yes
Move-in windowPublished
0 months
Length of residencyPublished
12 months
Residency is lifetimePublished
No
RenewablePublished
Yes
Maximum durationUnknown
Unknown
Maximum duration is lifetimePublished
Yes
Stay rule (Sept 2026)Published
At least 90 days a year in Malta averaged over any 5 years, and no more than 183 days a year in any other single country
Tax residency rulePublished
Residence is determined based on various factors including permanent home, regular course of life, and locality of income
Personal income taxPublished
range between 0%-35%

Rights and onward pathways

Work, healthcare and other rights, and the path to permanent residence and citizenship.

Present
Time to permanent residencyUnknown
Unknown
Time to citizenshipUnknown
Unknown
Work for a local employerPublished
No
Start a businessPublished
No
Remote or freelance workPublished
No
Local healthcare accessUnknown
Unknown
University accessUnknown
Unknown
Can buy landPublished
Yes
Local bankingPublished
Yes
Permanent residence timeline basisPublished
Not applicable
Citizenship timeline basisPublished
Not applicable

Risks, limitations, and uncertainty

Notes on changes, conflicts, and limits.

Present
Plan B note (Sept 2026)Published
A tax status plus residence permit for pensioners, not a path to permanent residence or citizenship. Rules tighten on 1 Jan 2027 (EUR 15,000 minimum tax, EUR 700,000 purchase or EUR 14,000/yr rent, 5-year validity); file by 31 Dec 2026 to keep the current terms to 2031. Card is 1 year, then 2-year renewals.

Sources, freshness, and conflict disclosure

Where the CitizensOS Mobility Asset Database took these facts from.

Present
Official program websitePublished
https://mtca.gov.mt/personal-tax/individual/special-schemes/malta-retirement-programme
Plan B sources (Sept 2026)Published
https://kpmg.com/mt/en/services/tax/private-client-services/the-malta-retirement-programme.html | https://www.csbgroup.com/articles/maltas-tax-residence-and-retirement-programmes-significant-changes-effective-1-january-2027/ | https://www.globalcitizensolutions.com/malta-retirement-programme/ | https://gvzh.mt/insights/malta-retirement-programme-rules/

Every fact on this page comes from the CitizensOS Mobility Asset Database (Sep 21, 2026 edition). A blank is shown as Unknown.

This anonymous dossier is read-only research. It does not establish personal fit, eligibility, legal or tax advice, filing, approval, residence, citizenship, or a held Right.