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 calculatorHousehold budget calculator – monthly money left
Put net household income, everyday costs, debt payments, and a savings target into one clear monthly budget.
See money left, savings capacity, and annual margin
Build a household budgetHourly to monthly salary calculator for Sweden
Compare hourly, monthly, and annual gross salary using your actual weekly hours.
No fixed 168- or 173-hour assumption
Convert salarySwedish vacation pay calculator
Calculate statutory vacation pay using Sweden's same-pay or percentage rule while keeping regular salary and supplements separate.
0.43% per day or 12% percentage rule
Calculate vacation paySwedish car commuting deduction calculator 2026
Estimate Sweden's 2026 car commuting deduction and see the potential tax reduction as a separate amount.
SEK 15,000 threshold for income year 2026
Calculate commuting deductionSwedish mileage allowance calculator 2026
Calculate the maximum tax-free allowance for Swedish business travel using a private or benefit car.
SEK 25, 12, or 9.50 per Swedish mil
Calculate allowanceParental 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