Saving starts with an honest purpose

Do not start with the fund or account. Start with what the money is meant to do.

The buffer has a boring job

It is there when the car breaks or an invoice lands badly. Money needed soon should not depend on the market.

The account can be useful, but tax still matters in weak years and with larger capital.

Jobs change, markets fall and motivation slips. Test weaker scenarios too.

Forecast how your capital grows when combining a lump sum with monthly savings.

Separates your own contributions from pure investment returns.

Calculate flat-rate taxation on your investment savings account (ISK) with 300,000 SEK tax-free allowance for 2026.

Clearly shows how the tax-free allowance and flat-rate income affect your ISK tax.

Compare ISK, Kapitalförsäkring, and Aktie- & Fondkonto to choose the optimal account for your situation.

Shows annual tax, costs, and net returns for each account type with 2026 rules.

Estimate your retirement income from state pension (allmän pension), occupational pension (tjänstepension), and private savings.

Shows total monthly pension at 65+ and breakdown across the three pension pillars.

Project your time to financial independence using savings, investment returns, and your target spending.

Enter current savings, yearly contributions, expected returns, and desired annual spending to see when you reach FI.

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.