Financial Tools

Free Tools for Sweden

Interactive calculators to help you understand Swedish taxes, plan your budget, and make smart financial decisions. All tools are free and updated for 2026.

290
Municipalities
2026
Tax Rates
100%
Free

Available Tools

Most Popular

Swedish Salary Calculator

Calculate Your Take-Home Pay

Find out exactly how much you'll earn after Swedish taxes. Covers all 290 municipalities with 2026 tax rates, including municipal tax, state tax, and work tax credit.

290 municipalities2026 tax ratesState tax includedWork tax credit
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Monthly Budget Planner

Plan Your Swedish Expenses

Plan your monthly budget with typical Swedish costs. Adjust expenses for rent, groceries, SL card, utilities, and more to see if your income covers your lifestyle.

2026 costsVisual breakdownSavings trackerTips included
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Tax Return Estimator

Estimate Your Tax Refund

Estimate your Swedish tax return and see if you'll get money back. Includes ROT, RUT, interest deductions, and commuting costs for all 290 municipalities.

ROT & RUTInterest deductionsCommuting costs2026 rules
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Pension Calculator

Estimate Your Swedish Pension

Estimate your future Swedish pension based on your salary and years of work. Covers public pension, occupational pension (ITP1), and private savings.

3 pension pillarsITP1 includedPrivate savings2026 rules
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Parental Leave Calculator

Estimate Your Income on Leave

Calculate your monthly income during Swedish parental leave. Covers Försäkringskassan benefits, employer top-up (föräldralön), and total family benefit for both parents.

480 daysDual-parentEmployer top-up2026 rules
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Why Use Smartly.se Tools?

Accurate Data

Official 2026 tax rates from SCB for all 290 Swedish municipalities.

Privacy First

All calculations happen in your browser. We don't store your data.

Always Free

No registration, no fees, no hidden costs. Free forever.

Mobile Friendly

Works perfectly on phones, tablets, and desktop computers.

Instant Results

Get calculations immediately as you type. No waiting.

For Expats

Designed for people moving to or living in Sweden.

Coming Soon

Coming Soon

Mortgage Calculator

Calculate monthly payments for buying an apartment or house in Sweden.

Frequently Asked Questions

Are these tools free to use?
Yes, all tools on Smartly.se are completely free. We believe everyone should have access to accurate financial information when living in or moving to Sweden.
How accurate is the salary calculator?
Our salary calculator uses official 2026 tax rates from Statistics Sweden (SCB) for all 290 municipalities. It includes municipal tax, state tax (for incomes above 660,400 SEK/year), basic deduction, and work tax credit. The results should be very close to your actual payslip.
What costs does the budget planner include?
The budget planner includes typical Swedish expenses: rent/housing, utilities (electricity, internet), groceries, public transport (SL card), phone, insurance, entertainment, and savings. You can adjust each category to match your lifestyle.
Are the cost estimates up to date?
Yes, we update our cost estimates regularly. The current data reflects 2026 prices in Sweden, including the new SL card price of 1,060 SEK/month and typical rent ranges in major cities.
Can I use these tools on my phone?
Yes, all our tools are fully responsive and work on smartphones, tablets, and desktop computers. The calculators are optimized for touch input on mobile devices.
Do you save my data?
No, we don't save any personal data. All calculations happen in your browser, and nothing is stored on our servers. Your financial information stays private.

Ready to Calculate Your Swedish Salary?

Our most popular tool helps you understand exactly how much you'll take home after Swedish taxes.

Try Salary Calculator

About Our Swedish Financial Tools

Smartly.se provides free financial tools designed specifically for people living in or moving to Sweden. Our tools help you understand the Swedish tax system, plan your budget, and make informed financial decisions.

The Swedish Salary Calculator is our most popular tool, used by thousands of expats and residents to calculate their take-home pay. It uses official 2026 tax rates from Statistics Sweden (SCB) and covers all 290 municipalities, from Stockholm and Gothenburg to smaller towns.

Our Monthly Budget Planner helps you estimate living costs in Sweden, including rent, groceries, public transport (SL card at 1,060 SEK/month), and other typical expenses. It's perfect for planning your finances before or after moving to Sweden.

All our tools are free to use, require no registration, and respect your privacy by performing all calculations in your browser without sending data to our servers.