Budget Planner

Monthly Budget Planner for Sweden

Plan your monthly expenses with typical Swedish costs. Adjust the sliders to match your lifestyle and see how your budget adds up.

Budget Calculator

Monthly Income (Net/After Tax)

SEK

Use our salary calculator to find your net income.

Monthly Expenses

Budget Summary

Rent / Housing12 000 SEK
Utilities (Electricity, Internet)800 SEK
Groceries / Food3 500 SEK
Transport (SL Card)1 060 SEK
Phone / Mobile300 SEK
Insurance300 SEK
Entertainment / Leisure1 500 SEK
Savings3 000 SEK
Total Expenses22 460 SEK
Net Income35 000 SEK
Remaining+12 540 SEK

Expense Breakdown

Rent
Utilities
Groceries
Transport
Phone
Insurance
Entertainment
Savings

Typical Monthly Costs in Sweden (2026)

Rent: 8,000-15,000 SEK/month for a 1-2 room apartment in Stockholm. Gothenburg and Malmö are 10-20% cheaper.
SL Card (Stockholm): 1,060 SEK/month for unlimited public transport including metro, buses, and commuter trains.
Groceries: 3,000-4,500 SEK/month for one person. Shop at Lidl, Willys, or Hemköp for better prices.
Mobile Phone: 200-400 SEK/month for a standard plan with 10-50GB data from providers like Hallon, Comviq, or Telia.

Frequently Asked Questions: Cost of Living in Sweden

Tips for Saving Money in Sweden

  • Housing queue: Register with Bostadsförmedlingen early. The longer you wait, the better apartments you can access.
  • Budget groceries: Shop at Lidl, Willys, and use apps like Matspar to find discounts.
  • Lunch deals: Many restaurants offer "Dagens lunch" (lunch of the day) for 100-150 SEK including drink and salad.
  • Second-hand: Use Blocket, Facebook Marketplace, and Tradera for furniture and electronics.
  • Budget phone plans: Consider Hallon, Comviq, or Lycamobile for affordable mobile plans starting at 99 SEK/month.

Use our Swedish salary calculator to find out exactly how much you'll earn after taxes in any municipality.

Try Salary Calculator

About This Budget Planner

This monthly budget planner is designed to help expats and residents in Sweden plan their finances. The default values are based on typical costs in Stockholm and other major Swedish cities in 2026. Adjust the sliders to match your personal situation and lifestyle.

Sweden has a relatively high cost of living compared to many countries, but salaries are also higher. The biggest expense for most people is housing, which can take 30-50% of net income in cities like Stockholm. Public transport is efficient but not cheap - the SL card costs 1,060 SEK per month in 2026.

For accurate salary calculations including Swedish taxes, use our Swedish salary calculator which covers all 290 municipalities with 2026 tax rates.