Start for free
Language: EN

Accounting and invoicing for life coaches

Single sessions, packages, online programmes and retreats: life coaches work with private people and often have a small income with a few jobs a month. Saldiqo writes invoices with a neutral service description, creates package invoices and shows the turnover limit so that the tax question does not come as a surprise.

Updated:

What comes up for life coaches

Few, valuable jobs

A package costs several hundred euros, and a month brings only a few clients. Every invoice counts.

Discretion

Clients do not want more on invoices than necessary.

Small business limit

Many coaches stay under the turnover limit. Whoever passes it needs VAT.

How Saldiqo helps

  • Neutral service textsService as an item with a general name.
  • Packages as itemsSession package, online programme, single session.
  • Retreats with a depositQuote, deposit, final invoice.
  • Limit in viewSaldiqo shows how much turnover is still free.

Typical invoice lines

Examples that often appear on invoices in this industry. You set the prices yourself.

  • Coaching session, 60 minutes
  • Session package, 5 appointments
  • Online programme, 8 weeks
  • Weekend retreat, course share
  • Deposit 30 % on booking
  • No-show fee for short-notice cancellation

Tax and invoicing in Malta

What applies to invoices in Malta, in short. As of October 2026.

VAT
Rates 18 %, 12 %, 7 % and 5 %. Malta has no zero rate in law. Exports, EU supplies, food and medicines are exempt with credit, which lets you reclaim input VAT. Exempt without credit does not.
Article 11 small undertakings
With up to €35,000 of domestic turnover a year you can be exempt under Article 11. The status ends on the day the limit is passed, and you still register with the VAT department. Saldiqo adds the exemption note and leaves VAT off.
Tax invoice or fiscal receipt
A tax invoice is issued only when the customer gives you a VAT number. Otherwise a fiscal receipt from an approved system is required. Saldiqo writes invoices. It is not a fiscal receipt system, and a Saldiqo PDF does not replace a fiscal receipt.
Invoice timing
Issue the invoice by the 15th of the following month, or when payment arrives if that comes first. Simplified invoices are allowed up to €100.
E-invoicing
There is no mandate. Public bodies accept e-invoices through Peppol (EN 16931). The tax authority plans e-invoicing and real-time reporting but has set no dates, and EU rules apply from 1 July 2030.
VAT returns
Returns are due by the 15th day of the second month after the period, with 7 extra days when you file and pay electronically. Article 11 businesses file a yearly declaration by 15 February. Saldiqo does not file returns.
Record keeping
VAT records for 6 years, income tax records for 9 years and company records for 10 years. Plan for 10 years.
Late payment
Interest on late business payments is 10.40 %, plus €40 compensation between businesses.
Languages
Use Saldiqo in English or Maltese and send invoices in either language.

Frequently asked questions

How neutral should the service description be?

As neutral as your clients wish and the mandatory details allow. You choose the item name freely.

Does a tax exemption apply to coaching?

That depends on the country and the case. You clear that with your tax adviser.

Do life coaches in Malta have to charge VAT?

If you are registered under Article 10, yes. Small undertakings under Article 11 with domestic turnover of up to €35,000 a year are exempt from charging VAT, but the status ends on the day the limit is passed.

Do life coaches in Malta need a fiscal receipt?

Sales to consumers need a fiscal receipt from an approved fiscal receipt system, and Article 11 businesses use one for all sales. Saldiqo is not such a system. It covers tax invoices to customers who give you their VAT number.

How long should life coaches keep invoices?

VAT records for 6 years, income tax records for 9 years and company records for 10 years, so plan for 10 years. You can store receipts digitally in Saldiqo. The legal duty to keep records stays with you.

Try Saldiqo for free

Write invoices, match payments, collect receipts and send reminders: free and without a trial period.

Start for free

This page for other countries

Related niches

More industries

All industries

As of October 2026. General information, not legal or tax advice, without guarantee. For your case ask your tax adviser.