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Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.
Housing & mortgages
Swedish property sale tax calculator
Estimate gain or loss, Swedish tax, and cash left after the mortgage when selling a qualifying private home.
Preliminary result
Tax and deductions are estimates; your return and evidence determine the final amount.
- Gain or loss
- SEK 700,000
- Estimated tax on gain
- SEK 154,000
- Deductible part of loss
- SEK 0
- Proceeds after selling costs
- SEK 3,900,000
- Cash after mortgage and estimated tax
- SEK 1,746,000
- How the result is calculated
- SEK 3,300,000
Details
50% of the loss; the actual tax effect depends on your complete capital result.
Analysis & guidance
Keep the evidence
Contracts, agent invoices, and renovation receipts support the declared amounts.
Separate tax and cash flow
Some acquisition costs affect the gain; the mortgage only affects cash remaining.
Declare next year
Declare in the year after signing, normally on K5 for a house or K6 for a tenant-owned flat.
Common questions
Can I deduct every renovation?
No. New improvements and repairs have different conditions, time limits, and thresholds. Keep invoices and proof of payment.
Is the mortgage deductible from the gain?
No. It affects cash left, not the taxable gain.
Does this calculate a new tax deferral?
Deferral, co-ownership, repair funds, non-qualifying housing and detailed improvement rules can change the return. Verify with the Swedish Tax Agency and forms K5 or K6.
How the result is calculated
Sale price minus selling expenses, purchase price, qualifying purchase and improvement expenses, and capital contributions, plus reinstated deferred gain.
Tax and loss relief
A qualifying Swedish private-home gain has an effective 22% tax rate. Half a loss is deductible and combined with your other capital items.
Limits of this estimate
Deferral, co-ownership, repair funds, non-qualifying housing and detailed improvement rules can change the return. Verify with the Swedish Tax Agency and forms K5 or K6.
Calculating a Swedish home sale
A strong sale price is not the same as cash left in your account. Start with the contract price and deduct the agent fee and other qualifying selling expenses. For the taxable result, also deduct the purchase price, eligible acquisition costs, qualifying improvements, and any capital contributions. Add back a previous tax deferral that must be reinstated. A gain on a qualifying Swedish private home has an effective tax rate of 22%. If the result is a loss, 50% is deductible, but the actual tax reduction depends on all capital income and expenses in your return.
Check the current rules and calculation service at the Swedish Tax Agency.
Taxable gain and cash are different
The mortgage is not deducted when calculating the gain. It is normally settled when the home is sold, so it affects only the cash remaining. The calculator shows both views to avoid treating the headline sale price as spendable money.
Check every deduction
Not every renovation qualifies. New improvements and repairs or maintenance follow different conditions, time limits, and minimum amounts. Keep contracts, invoices, and proof of payment. A tenant-owner association normally reports eligible capital contributions. Co-ownership, internal repair funds, non-qualifying housing, business property, and a new deferral need a more detailed calculation. Verify the estimate with the Swedish Tax Agency service and the correct return form—normally K5 for a house and K6 for a tenant-owned flat.
How to read this calculator
These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.
Methodology
Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.
Read methodologySources and updates
Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.
Read about sourcesCommon questions
Mortgage calculator
Contracts, agent invoices, and renovation receipts support the declared amounts.
See Sweden's 90% mortgage cap, 10% minimum down payment and the amortisation thresholds at 50% and 70% loan-to-value.
Open mortgage calculatorSwedish property deed fee (lagfart) calculator
Some acquisition costs affect the gain; the mortgage only affects cash remaining.
Shows the 1.5% rate for individuals or 4.25% for companies, and always uses the higher of purchase price or taxeringsvärde.
Calculate lagfart costPantbrev (mortgage deed) calculator
Declare in the year after signing, normally on K5 for a house or K6 for a tenant-owned flat.
Shows how much of your loan is covered by existing deeds and the exact fee for any new pantbrev you need.
Calculate pantbrev costSwedish down payment calculator 2026
Use Swedish down payment calculator 2026 to compare the next part of the same scenario.
Current mortgage cap: no more than 90% since 1 April 2026
Calculate the down payment