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
Moving from Germany to Sweden: Work Permits, Pension & What Changes (2026)
Practical guide for German citizens moving to Sweden — EU registration steps, what happens to your Deutsche Rentenversicherung contributions, double taxation, and how a German CV differs from a Swedish one.
Recruitment Agencies in Sweden: How They Work & Which to Use (2026)
Recruitment agencies in Sweden never charge job seekers — here's how they actually get paid, the difference between staffing and recruitment firms, and which company to contact for tech, finance, graduate, or blue-collar roles.
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.
Financial Insights
Swedish Bank Comparison 2026: Nordea vs Handelsbanken vs SEB vs Swedbank
Head-to-head comparison of Sweden's big four banks — fees, mobile app quality, English support, mortgages, savings rates, and BankID setup — for anyone already choosing between them.
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.
Swish Without a Personnummer: Fixing Nordea's 'ID-Handling Krävs' Error (2026)
Getting 'svenskt personnummer och id-handling krävs' in Nordea or another bank's Swish setup? Here's exactly what that error means, why it happens, and your payment alternatives while you wait.
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.
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.