Free invoicing software for the self-employed and small businesses in Malta: Invoice out.
Money in.
Write invoices for your business customers in Malta, in English or Maltese. Upload your bank statement: Saldiqo sees what has been paid and suggests the matching invoice for the rest.
No credit card, no trial period. Take all your data with you, any time. What’s the catch?
147 invoice templatesInvoices in English and MalteseSet up for GermanyAustriaSwitzerlandUnited KingdomIrelandMaltaCyprus
How an invoice moves through Saldiqo
Quote
accepted
Line items from your products, and you see the PDF while you write.
Invoice
finalised
One click turns the quote into an invoice. Before finalising, Saldiqo checks the mandatory details.
E-invoice
created
XRechnung or ZUGFeRD are created from the same invoice.
Payment
matched
If invoice number and amount are on the bank statement, the invoice is paid.
VAT
Q4 2026 ready
Income, expenses and VAT are calculated, ready for your accountant.
What Saldiqo takes care of
Match payments
Upload your bank statement as CSV or CAMT. If a payment isn’t clear-cut, Saldiqo suggests matching invoices and you decide.
Reminders
Payment reminders and dunning levels with one click, with deadlines and fees.
Expenses and receipts
Photograph a receipt with your phone or upload it and record the expense.
Advance and partial invoices
Straight from the quote, no order needed in between. The final invoice deducts the advances automatically.
Several companies, one login
Switch between your companies and invite your team and tax advisor with their own permissions.
Your invoice, your letterhead
147 templates and 41 letterheads, all included. Your logo, your colours.
Free. Here’s how Saldiqo is funded.
€0per month, with every feature
How we make money
- Partners pay us for requests and sign-ups.
- In the savings check, Saldiqo shows you where you are probably paying too much. If you request an offer there yourself or sign up via a partner site labelled as an ad, the partner may pay us for it.
- No partner sees your invoices and bookings.
- Only your name, company name, contact details and topic are passed on, and only with your consent.
- You can switch the savings check off.
- For new accounts it is on for the company you create when you sign up, and it checks expenses and bank transactions once a week. Saldiqo stays fully usable without it.
- Unlimited invoices, quotes and reminders
- E-invoices and recurring invoices
- Several companies and a team with roles
- Saldiqo note on your invoices can be switched off
Saldiqo is currently free. If anything about the price changes, you’ll hear about it at least six weeks in advance.
Made for Malta
What belongs on a Maltese invoice is built in. You don’t have to look it up.
VAT at 18 %, 12 %, 7 % and 5 %
The Maltese VAT rates, plus exempt supplies with credit, reverse charge and intra-EU supplies.
Article 11 small undertakings
Exempt under Article 11 with up to €35,000 turnover a year? Saldiqo adds the exemption note, leaves VAT off and shows how much room is left.
Not a fiscal receipt system
Saldiqo writes invoices, for example tax invoices to customers who give you their VAT number. Fiscal receipts still come from an approved fiscal receipt system.
VAT and company numbers
Your VAT number and Malta Business Registry number appear on every invoice where they apply.
English and Maltese
Use Saldiqo in English or Maltese, and send invoices in either language.
Pay by bank transfer
IBAN on every invoice, plus a SEPA QR code (EPC) for banking apps that can read it.
Security and your accountant
Your data
Separate encrypted database per company
Each company lives in its own database, encrypted with AES-256.
Sign-in with a second factor
With an authenticator app on your phone. End other sessions with one click.
Export everything, any time
Lists as CSV and a complete backup, no questions asked.
Your accountant is on board
Own access for the firm
You invite your accountant, they set their own password and see your figures without changing anything.
Exports for your accountant
Invoices, expenses and payments as CSV, invoices as PDF and XML.
Questions about the invoicing software
Is Saldiqo really free? How do you make money?
Yes, Saldiqo is currently free, with every feature and no trial period. We make money through partners in the savings check: it shows you where you are probably paying too much, and offers from partners can appear there, always labelled as ads. If you request one yourself and agree to sharing, the named partner receives your name, company name, contact details and topic. The partner may pay us for such requests and for sign-ups via a partner site. No partner sees your invoices and bookings. For new accounts the savings check is on, and you can switch it off at any time. If anything about the price changes, you’ll hear about it at least six weeks in advance.
Where is my data stored, is there a DPA?
Each company has its own encrypted database. The servers are run by Hostinger International Ltd., location: Frankfurt am Main, Germany. The data processing agreement (DPA) is part of the terms, and you’ll find it at the bottom of every page.
Can I send and receive e-invoices?
Malta has no e-invoicing obligation between businesses. If you are registered under Article 10 and a customer asks for one, Saldiqo creates a structured e-invoice in the European standard EN 16931. Saldiqo is not connected to the Peppol network yet.
Is there a bank connection?
Not yet. You upload the bank statement as a CSV or CAMT file from your online banking. You don’t need your bank login for this.
Does Saldiqo replace my tax advisor?
No. Saldiqo prepares figures and receipts. Only your tax advisor may advise you.
Can my tax advisor work with me?
Yes. Invite your firm to the team in the settings. They get their own access with read rights for invoices, expenses and reports.
Can I capture receipts with my phone?
Yes. Open Saldiqo in your phone’s browser and tap “Take photo of receipt” under Expenses. The photo is then attached to the expense.
What happens to my data if I stop or Saldiqo no longer exists?
You can export everything at any time: lists as CSV, invoices as PDF and XML, plus a complete backup. Other software can read these formats too. You delete your account yourself in the app, and then we delete your data.
Is Saldiqo available as an app?
Saldiqo runs in the browser and can be installed as an app on phone and computer, with its own icon and window. Programs for Mac and Windows and the App Store app are in the works.
Write your next invoice.
Free and without a trial period. No tax number yet? You can add it later.