Plan your repayments before you borrow. Enter the loan amount, interest rate and term to instantly see your monthly instalment, total interest and full repayment amount. Built for business owners, freelancers and individuals in Malta using fixed-rate loans.
Plan your loan before you apply. Enter the amount, interest rate, and term to see your monthly instalment, total interest, and total repayment instantly. The calculator is built for fixed-rate business loans, car finance, and equipment loans used by self-employed and SMEs in Malta.
Why use it
Testing different terms helps you protect cash flow. A lower monthly payment leaves room for quarterly VAT returns, monthly payroll and FS5 submissions, plus National Insurance due by the 15th. You can compare a 3-year vs 5-year option in seconds and choose what fits your budget.
How it helps your accounts
A loan is not sales income. In your bookkeeping, only the interest is an expense — the capital reduces the loan balance. Our fixed-fee accounting team records the drawdown correctly, splits each payment, and keeps your management accounts clean. This makes your VAT returns accurate and your year-end tax return with the CFR straightforward.
At year end, the outstanding loan is disclosed in your financial statements filed with the Malta Business Registry. We prepare those accounts, handle MBR filings, and keep FS3 and FS7 payroll year-end forms ready, so banks see consistent numbers if you need future financing.
Important note
This tool is for guidance only. Interest on business loans is usually tax-deductible in Malta when used wholly for trade, but capital repayments are not. For a formal offer or to see how a loan affects your cash flow alongside VAT and payroll, speak to our team.
Accurit provides fixed-fee bookkeeping, VAT, payroll, and tax support for Malta businesses — one dedicated accountant, clear deadlines, no surprises.