Take-home pay is the household language
Gross salary works in a negotiation. Net salary works when bills are due.
The job ad is not the budget
A raise can shrink after tax. A benefit can feel fine until fixed costs meet a smaller account. Start with what actually arrives.
Place matters
Municipal tax and local fees can make the same salary stretch differently, especially when moving or buying a home.
Benefits do not behave like salary
Parental benefit, sick-child leave and unemployment support have caps, rules and days that run out.
Related calculators
Net salary after tax
Estimate take-home pay after municipal tax, state income tax, church tax and voluntary pension savings.
Includes Swedish state tax, church tax and municipality selection.
Open salary calculatorParental benefit planner
Estimate Swedish Försäkringskassan parental benefit (föräldrapenning) based on SGI, leave percentage and how many days you plan to take out.
Applies the SGI cap (10 price base amounts) and the SEK 180 base level.
Open parental benefit calculatorVAB Calculator – Child Care Leave
Calculate preliminary benefits for taking care of a sick child (VAB) from Försäkringskassan based on your monthly salary, number of VAB days, and tax rate.
Easily calculate what you receive in benefits per day and in total when you stay home with a sick child.
Open VAB CalculatorUnemployment insurance (A-kassa)
Calculate your unemployment benefit based on previous salary and unemployment duration.
Shows daily, monthly and total compensation based on your inputs.
Open unemployment calculatorSalary exchange (löneväxling) calculator
Estimate the monthly net impact and pension boost when exchanging gross salary to pension, including employer top-up and fees.
Shows how much take-home pay drops and how much extra goes to pension with employer top-up and fees applied.
Calculate salary exchangeInterest deduction (ränteavdrag)
Estimate how much of your annual interest charges you receive back through the Swedish ränteavdraget rules.
Shows the split between 30% and 21% brackets and your effective cost after tax.
Open interest deduction calculator