ISK Flat-Rate Tax (2025) with Tax-Free Allowance
Calculate flat-rate taxation on your investment savings account (ISK) with 150,000 SEK tax-free allowance for 2025.
How ISK taxation works in 2025
An investment savings account (ISK) is taxed according to a flat-rate model instead of traditional capital gains taxation. For 2025, the flat-rate income is 2.96% of the capital (based on the government bond rate + 1 percentage point). The tax is then 30% of this flat-rate income. You pay tax regardless of whether you buy, sell, or just hold your investments.
Tax-free allowance of 150,000 SEK for 2025
Starting in 2025, a tax-free allowance of 150,000 SEK is introduced for ISK accounts. This means you don't pay any flat-rate tax on the first 150,000 kronor of your total ISK capital (summed across all ISK accounts). For 2026, the allowance increases to 300,000 SEK. The allowance is per person and is calculated across all your ISK accounts at different banks.
Calculate your ISK tax
With our ISK tax calculator, you can easily calculate your expected flat-rate tax. You can either enter the average capital for the year or use advanced mode with quarterly balances and deposits for a more accurate calculation. The calculator shows how much you save through the allowance and your effective tax rate on the total capital.
Related calculators
Savings goal & compound interest
Forecast how your capital grows when combining a lump sum with monthly savings.
Pension Calculator (2025) - state, occupational, private
Estimate your retirement income from state pension (allmän pension), occupational pension (tjänstepension), and private savings.
Investment Account Comparison: ISK vs KF vs AF (2025)
Compare ISK, Kapitalförsäkring, and Aktie- & Fondkonto to choose the optimal account for your situation.