Navigate Life in Sweden
Free tools and practical guides for expats. Calculate your salary, understand taxes, and make smart decisions.
Smart Tools for Smart Decisions
Calculate your take-home pay and plan your budget with our free, accurate tools.
Salary Calculator
Find out exactly how much you'll earn after Swedish taxes. Covers all 290 municipalities with 2026 rates.
Budget Planner
Plan your monthly expenses with typical Swedish costs. Adjust for rent, groceries, transport, and more.
Know exactly what you'll earn
No surprises on payday. Our calculator uses official 2026 tax rates to show your real take-home pay.
- Municipal tax for every kommun
- State tax automatically calculated
- Work tax credit (jobbskatteavdrag) applied
- Monthly and yearly breakdown
Latest Guides
Broadband in Sweden: A Newcomer's Guide
Why you often can't choose your own broadband provider in Sweden, how to get online before your personnummer arrives, and what fiber actually costs.
Elavtal in Sweden: Electricity for Newcomers
How electricity works in Sweden: fast/rörligt pricing, elområde zones, signing up without a personnummer, and which providers actually work for newcomers.
Mobile Plans & SIM Cards in Sweden (2026)
Comviq, Lyca, Hallon, or Telia? How to get a Swedish SIM without a personnummer, prepaid vs postpaid, and which operator is cheapest for expats.
Union & A-kassa in Sweden: The Complete Guide for Working Expats (2026)
Union and a-kassa are two separate memberships, not one. Here's who to join, what each actually costs and covers, and why joining a-kassa in your first month in Sweden matters more than most expats realize.
Samordningsnummer in Sweden: What It Is, How to Get One & When You Need It (2026)
A samordningsnummer lets you work, get paid, and pay tax in Sweden without a personnummer. Who needs one, how to apply, and what it does and doesn't unlock — explained.
New Sweden Student & PhD Residence Permit Rules (2026): What Changed
Sweden tightened student residence permit rules on 11 June 2026: a 15-hour work cap, stricter progress checks, and harder work-permit switches. PhD students and researchers got real upgrades. Full breakdown with sources.
Financial Insights
ISK Account Sweden 2026: Tax Rate ~1%, How It Works & Who Should Open One
An ISK taxes your account value at roughly 1% a year instead of 30% on gains — about 5,000 SEK/year on a 500,000 SEK account, regardless of performance. How the tax works, ISK vs KF vs a regular depå, and how to open one.
Building Credit History in Sweden as an Expat: Complete Guide
Learn how to build credit history in Sweden from scratch. Understand UC credit scores, what affects your creditworthiness, and strategies to establish credit as a newcomer.
Credit Cards in Sweden: Which Banks Offer Them to Expats?
Guide to getting a credit card in Sweden as an expat. Compare banks, understand Swedish credit requirements, and learn how to build credit history for approval.
How to Use Swish Without a Personnummer: 2026 Options
Struggling without Swish in Sweden? Discover alternatives and workarounds for making payments without a personnummer. Complete guide to cashless Sweden for newcomers.
ROT Deduction Sweden 2026: Maximum Amount, Rules & How to Claim
ROT max 50,000 SEK/person/year (30% of labor costs). What qualifies, combined RUT+ROT limit, how to claim, and worked examples. 2026 rules.
Tax in Sweden 2026: Rates, Deductions & How the System Works
How Swedish tax works: municipal tax 29–35% by city, state tax above 660,400 SEK. Jobbskatteavdrag cuts effective rates to 22–28%. Brackets, ISK & deductions explained. 2026.
New to Sweden?
Start with our comprehensive guides covering everything from personnummer to finding an apartment.
About Smartly.se
Smartly.se is a free resource for anyone living in or moving to Sweden. We provide accurate, up-to-date information about Swedish taxes, salary calculations, housing, healthcare, and more. Our Swedish salary calculator uses official 2026 tax rates from Statistics Sweden (SCB) and covers all 290 municipalities.
Whether you're an expat relocating to Stockholm, Gothenburg, or Malmö, or a Swedish resident looking to understand your tax situation better, our tools and guides are designed to help you make informed decisions.