Sunil Rao

I am the Founder and Lead Editor at NordDaily. Professionally, I work as a Data Scientist at Axo Group (Zmarta / Axo Financial), one of Northern Europe's leading financial comparison platforms. My daily work revolves around quantitative credit risk modeling, loan evaluation algorithms, interest rate analytics, and consumer finance datasets.

Having navigated the intricacies of relocating to Sweden as an international professional, I experienced firsthand how difficult it is to decipher Swedish tax law (Skatteverket), immigration thresholds (Migrationsverket), mortgage stress tests (KALP), and pension systems (Inkomstpension & Premiepension) when information is fragmented or wrapped in dense administrative Swedish.

At NordDaily, I lead our English-language editorial desk and platform architecture. I build interactive, data-driven calculation engines (such as our 290-municipality Net Salary Calculator, KALP Mortgage Eligibility Checker, and ISK vs. AF Tax Model) to provide immediate, mathematically precise answers. Every article and calculator on NordDaily is audited against primary statutory sources:

• Quantitative Tax & Payroll Modeling: Municipal tax rates across all 290 Swedish kommuner, jobbskatteavdrag earned income tax credits, state income tax thresholds, and 3:12 dividend tax (K10).
• Mortgage Lending & Real Estate: Bank KALP (Kvar Att Leva På) cash-flow calculations, mandatory amortization requirements (amorteringskrav), stamp duty (lagfart), and mortgage deeds (pantbrev).
• Work Permits & Immigration Compliance: The June 2026 90%-of-median salary threshold (SEK 34,470/mo), EU Blue Card rules (SEK 52,000/mo), and citizenship residency timelines.