Take-home pay in Sweden
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The answer rests on
Your assumptions
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What this calculator measures
The figure is what reaches your account after municipal tax at your kommun's rate, state income tax above the threshold, and the funeral fee, net of the basic allowance and the earned income tax credit, on the annual gross you enter. Swedish pay is quoted monthly, so multiply your månadslön by twelve. It assumes you are under 66 and not a member of the Church of Sweden, whose fee varies by parish.
What you receive now, and what accrues
The general pension contribution is charged and then credited back against your tax in full, so for an ordinary employee it does not change the figure; the breakdown shows both lines. It is not shown as pension accruing. What accrues is occupational pension: if your employer pays one, enter the contributions and they appear beside the figure, never inside it.
What this result assumes
- Single, no dependants
- Resident in Sweden for the whole year
- Aged under 66 at the start of the year
- Not a member of the Svenska kyrkan, so no church fee
What this model does not cover (8)
- Pension contributions: every case is collected with no employee and no employer pension, so coversPension is false. A salary carrying one leaves the covered set and says so.
- Kyrkoavgift is deliberately NOT modelled, and every case was collected with church membership OFF. It is charged only to members of the Svenska kyrkan or another registered trossamfund, its rate is set per forsamling rather than per kommun (Stockholm alone has 27, from 0,70 to 1,18 pct.), and it is not a tax. Begravningsavgiften, which everyone pays, IS modelled and IS verified. A member's real deduction is roughly one percentage point higher than this engine shows.
- Age: every case is for someone born in 1985. The engine has no date of birth, so the substantially enhanced grundavdrag and jobbskatteavdrag for people who turned 66 before the income year are neither modelled nor checked, and a pensioner's figure here is wrong.
- Part-year residence, immigration and emigration in the income year: the calculator offers all three and every case is full-year resident.
- Income other than salary — naringsverksamhet, kapital — and every deduction that depends on spending rather than earning: rot, rut, ranteavdrag, resekostnader, fastighetsavgift, avrakning av utlandsk skatt.
- SINK, the 25 pct. flat withholding for non-residents, and expertskatt under IL 11 kap. 22 s. Neither is modelled, so there is no regime to ask about.
- One point where the ORACLE is wrong rather than this engine, and it is written into the case rather than tolerated away: at a beskattningsbar forvarvsinkomst of 643.100 kr, one hundred kronor over the skiktgrans, Skatteverket's service returns no statlig inkomstskatt where 20 kr is due. Probed at six neighbouring salaries on 2026-09-09; every other step is exactly 20 pct. of the excess. See the divergence note on that case.
- Tjanstepension (ITP, SAF-LO, KAP-KL), a-kassa and sjukforsakring are outside the tax system and outside this engine.
Sources for Sweden
The rules this page is built from, at the bodies that set them. Every figure in the breakdown above also opens its own source.
How this is worked out
Why does my kommun change the result?
Because most Swedish income tax is municipal and regional, and each kommun sets its own rate. Choose the kommun you will be registered in.
When do I pay state income tax?
Only on income above a threshold set each year. Below it, municipal tax is the only income tax, which is why the marginal rate jumps there.
Why is the general pension contribution credited back?
The law charges it and then allows the same amount as a reduction of your tax, so the money moves on paper without changing what you receive. At very low incomes the credit can be smaller than the charge.
Is the monthly figure a payslip prediction?
It is one twelfth of the annual net amount. Actual monthly payroll can vary with holiday allowance, bonuses and withholding rounding.
Does the city change the tax?
It depends on the country. Where a region, canton or municipality sets part of the income tax, the place you choose changes the result, and the picker offers those places for that reason. Where income tax is set nationally, the city makes no difference to the payroll figure.
Can I use this for self-employment or part-year residence?
Those cases are not modelled. The answer assumes an employee resident for the whole year, and each country's page lists the rest of what it assumes.
Found something wrong?
Tell us which number and we will check it against the source.