Swedish Immigration & Financial Calculators
47 comprehensive, free calculators and compliance checkers built with verified data from Skatteverket, Migrationsverket, Sveriges Riksbank, and Försäkringskassan.
Swedish Net Salary Calculator 2026
Calculate your exact take-home pay after municipal tax (kommunalskatt), jobbskatteavdrag, state tax, and employer social security contributions.
Aktiebolag 3:12 Low-Tax Dividend Calculator
Compare Förenklingsregeln (SEK 209,550) vs Löneregeln salary-based dividend allowance with 2026 reform updates.
ROT & RUT Tax Deduction Calculator 2026
Calculate your 30% ROT and 50% RUT invoice deductions, maximum annual caps (SEK 50,000 / SEK 75,000), and contractor costs.
Salary Exchange (Löneväxling) Calculator
Calculate your exact tax savings and employer pension top-up (approx 5.8%) when trading gross salary for occupational pension.
ISK vs AF Share Account Tax Calculator
Compare standard schablon tax on ISK vs 30% capital gains tax on AF accounts based on current Swedish government borrowing rates.
Sole Trader vs Aktiebolag Tax Comparison
Compare net take-home cash, self-employed social contributions (egenavgifter), and 3:12 dividends between Enskild Firma and AB.
Swedish Tax Return Deductions Checklist
Scan all eligible deductions for home office, dual households (dubbel bosättning), travel, and education before filing with Skatteverket.
Swedish Expert Tax Relief (Forskarskatt) Calculator
Calculate 25% tax exemption savings on gross salary for certified international researchers, key experts, and specialists.
Final Tax Notice Refund & Kvarskatt Calculator
Estimate whether you will receive a tax refund or owe back-taxes (kvarskatt) plus Skatteverket interest charges.
Swedish Commuter Tax Deduction Calculator
Calculate travel deductions for public transit or car commuting exceeding the statutory SEK 11,000 threshold.
Side Income & Hobby Activity Tax Checker
Check whether your online sales, craft earnings, or hobby income require Skatteverket Form T2 declaration or remain tax-free.
SINK Special Income Tax for Non-Residents Calculator
Calculate flat 25% SINK withholding tax on Swedish occupational and state pensions paid out while living abroad.
Swedish Municipal Tax Table Explorer
Look up exact 2026 municipal tax rates (kommunalskatt & regionskatt) across all 290 Swedish municipalities.
Unclaimed Swedish Tax Deduction Finder
Interactive tool to discover hidden deductions on your annual tax return before the May deadline.
Sweden Mortgage & KALP Stress Calculator 2026
Calculate monthly interest costs, Left to Live on (KALP) bank stress test at 7%, and statutory amortisation requirements.
Rent vs Buy Property Calculator Sweden
Compare the total 5-year cost of renting a first/second-hand apartment versus purchasing a Bostadsrätt co-op.
Bostadsrätt Association (BRF) Financial Health Checker
Audit a housing cooperative's annual report for debt per sqm (belåningsgrad), interest sensitivity, and fee hike risks.
Swedish Housing Allowance (Bostadsbidrag) Calculator
Estimate monthly housing subsidy eligibility from Försäkringskassan for families and young adults based on rent and income.
Swedish Property Capital Gains Tax (K5/K6) Calculator
Calculate 22% effective capital gains tax on home sales, improvement deductions, broker fees, and tax deferrals (uppskov).
Villa Stamp Duty & Mortgage Deed Calculator
Calculate title deed registration tax (lagfart 1.5%) and mortgage deed fees (pantbrev 2.0%) when purchasing a house.
Private Subletting Rent & Tax Calculator
Calculate maximum legal cost-price rent for subletting a Bostadsrätt or villa, plus Skatteverket SEK 40,000 tax-free allowance.
Swedish Electricity Bill & Spot Price Calculator
Calculate spot price energy costs across bidding zones (SE1, SE2, SE3, SE4), grid fees (elnät), and 25% energy VAT.
Work Permit Eligibility & Salary Floor Checker
Verify your job offer against the 2026 statutory salary floor (SEK 34,470/mo), collective agreements, and insurance criteria.
Swedish Citizenship Timeline & Requirement Planner
Calculate your earliest application date under current 5-year vs proposed 8-year residency rules, language tests, and self-sufficiency test.
Swedish Identity & Folkbokföring Planner
Step-by-step roadmap to obtaining your Personnummer, Skatteverket ID card, and Swedish BankID without delays.
Maintenance Requirement (Försörjningskrav) Checker
Check Migrationsverket income and housing space standards for family reunification and permanent residency applications.
Sweden Cost of Living Calculator (Stockholm, Gothenburg, Malmö)
Calculate itemized monthly living costs across Stockholm, Gothenburg, and Malmö using official Konsumentverket baselines, SCB rental statistics, and municipal tax rates.
Parental Leave Payout & SGI Planner 2026
Calculate Försäkringskassan monthly payouts, 80% SGI caps, employer top-ups (föräldralön), and 60 double-day rules.
Parental Leave SGI Daily Rate Calculator
Calculate your exact daily sickness-benefit-qualifying income (SGI) and monthly net parental benefit amount.
Wellness Allowance (Friskvårdsbidrag) Checker
Audit your gym, padel, massage, skiing, or app subscriptions against 2026 Skatteverket tax-free wellness allowance limits.
Swedish A-kassa & Income Insurance Calculator
Estimate monthly unemployment benefits from A-kassa (up to SEK 33,000 cap) and trade union top-up insurance (inkomstförsäkring).
Swedish Preschool & Daycare (Förskola) Fee Calculator
Calculate your municipal preschool fee under the 2026 national fee cap (maxtaxa) based on household income and number of children.
Sick Pay & Sickness Benefit Calculator
Calculate your day-1 karensavdrag deduction, employer sick pay (days 2–14), and Försäkringskassan sickness benefit payouts.
Swedish Driver's License Cost & Timeline Planner
Calculate mandatory fees, Risk 1 & 2 safety training costs, Trafikverket exam fees, and 12-month non-EU license conversion deadlines.
Swedish Dental Care High-Cost Protection Calculator
Calculate state dental subsidies (ATB) and 50%–85% high-cost protection (högkostnadsskydd) reimbursement thresholds.
Company Car Tax Benefit (Förmånsbil) Calculator
Calculate monthly benefit value (förmånsvärde), net take-home salary impact, and EV eco-rebates for company-provided vehicles.
Annual Swedish Car Ownership Cost Calculator
Calculate total annual vehicle running costs: road tax (fordonsskatt), insurance, inspections, seasonal tires, and fuel.
Importing a Car to Sweden Duty & Tax Calculator
Calculate registration inspection fees, Transportstyrelsen origin check, customs duty (10%), and import VAT (25%).
Private Health Insurance Tax Benefit Calculator
Calculate net employee tax cost and employer social contributions on company-sponsored private health insurance.
Swedish Pension (Allmän & Tjänstepension) Calculator
Project your 3-pillar retirement income (State + Occupational + Private) and estimate net pension payouts after tax.
Swedish Retirement Drawdown & Tax Simulator
Model 5-year vs 10-year vs lifelong occupational pension drawdowns and optimize your senior employment tax credit.
Business Bank Account & AML Checker
Calculate your expected company bank account onboarding timeline, AML compliance friction score, and documentation requirements.
Foreign Remittance & Bank AML Compliance Checker
Check bank documentation requirements, gift deeds (Gåvobrev), and Skatteverket tax neutrality for international money transfers.
Gift, Inheritance & Wealth Tax Exemption Checker
Verify Sweden's 0% gift, inheritance, and wealth tax rules and generate compliant bank AML transfer documentation.
Swedish Bank AML Transfer Audit Tool
Assess compliance friction for incoming overseas funds and generate required source-of-wealth proof for Swedish banks.
CSN Student Loan Repayment Calculator
Calculate annual student loan repayments (årsbelopp), interest rates, and overseas payment rules for CSN borrowers.
CSN Income Ceiling (Fribelopp) Calculator
Calculate how much side income you can earn per semester before your CSN student grant and loan are reduced.