How much of my salary do I keep in Sweden?

In Stockholm, an employee earning SEK 420,000 a year keeps SEK 28,501 a month (81.4% of gross); on SEK 700,000 it is SEK 44,401 a month (76.1%).

Does it matter where in Sweden I live?

Yes — municipal and regional tax is set locally, based on where you are registered on 1 November of the previous year. On SEK 700,000 a year you keep SEK 43,385 a month in Gothenburg and SEK 43,463 in Malmö, against SEK 44,401 in Stockholm.

How does expert tax relief work?

If you qualify, only 75% of your pay is taxed for up to seven years. On SEK 1,200,000 a year that raises net pay from SEK 64,976 to SEK 77,631 a month. You need a salary above SEK 88,800 a month or proof that you are an expert, and the application must reach Forskarskattenämnden within three months.

Do I pay social security contributions?

Hardly. The 7% general pension contribution is offset by an equal tax reduction, so it only costs something on very low pay. Your employer pays 31.42% of your salary on top.

When am I taxed as a resident?

Staying in Sweden for six months or more in a row makes you fully liable to Swedish tax. People living abroad who work here for a shorter time can instead pay a flat 22.5% in 2026 (SINK), with no deductions.

Sweden Tax Calculator 2026 — Net Salary After Tax

Gross (SEK)	Gross (EUR)	Net Monthly	Net Annual	Tax Rate
SEK 300,000	€26,561	SEK 20,797	SEK 249,565	16.8%
SEK 420,000	€37,186	SEK 28,501	SEK 342,014	18.6%
SEK 540,000	€47,811	SEK 35,810	SEK 429,725	20.4%
SEK 700,000	€61,977	SEK 44,401	SEK 532,813	23.9%
SEK 960,000	€84,996	SEK 55,100	SEK 661,201	31.1%

How Sweden taxes a salary in 2026

Most Swedes pay only municipal and regional income tax, a flat rate set by where you live — 30.55% in Stockholm. State income tax of a further 20% applies only to taxable income above SEK 643,000 a year, so the top marginal rate in Stockholm is 50.55%.

The flat rate is softened by a basic allowance of up to SEK 45,600 and by the employment tax credit (jobbskatteavdrag), which grows with earnings. There are no employee social contributions to speak of: a 7% pension contribution is cancelled by an equal tax reduction, while your employer pays 31.42% on top of your salary.

Where your salary goes

Annual amounts for a single employee without children, and the same SEK 1,200,000 salary with expert tax relief.

	SEK 420,000	SEK 700,000	SEK 1,200,000 With expert tax relief
Gross salary	SEK 420,000	SEK 700,000	SEK 1,200,000
Paid tax-free	—	—	SEK 300,000
Municipal and regional tax	−SEK 121,589	−SEK 208,534	−SEK 269,634
Employment tax credit (jobbskatteavdrag)	+SEK 43,566	+SEK 49,429	+SEK 49,429
Earned income tax reduction	+SEK 1,500	+SEK 1,500	+SEK 1,500
State income tax	SEK 0	−SEK 7,920	−SEK 47,920
Pension contribution (allmän pensionsavgift)	−SEK 29,400	−SEK 47,100	−SEK 47,100
Tax reduction for the pension contribution	+SEK 29,400	+SEK 47,100	+SEK 47,100
Burial fee	−SEK 279	−SEK 478	−SEK 618
Public service fee	−SEK 1,184	−SEK 1,184	−SEK 1,184
Net per year	SEK 342,014	SEK 532,813	SEK 931,573
Net per month	SEK 28,501	SEK 44,401	SEK 77,631
Share of gross you keep	81.4%	76.1%	77.6%

Sweden income tax rates 2026

On taxable income per year, for one person.

Taxable income	Rate
Up to SEK 643,000	30.55%	Municipal and regional tax only (Stockholm)
Over SEK 643,000	50.55%	Plus 20% state income tax

Social security contributions 2026

Share of gross salary, up to the yearly ceiling where there is one.

Contribution	Employee	Employer	Ceiling / year
General pension contribution (allmän pensionsavgift) The employee part is offset by an equal tax reduction, so it costs nothing extra above very low pay	7%	10.21%	SEK 673,038
Health insurance	—	3.55%	None
Parental insurance	—	2%	None
Labour market contribution	—	2.64%	None
Work injury insurance	—	0.1%	None
Survivor's pension	—	0.3%	None
General payroll tax (allmän löneavgift)	—	12.62%	None

Allowances, credits and surcharges

Basic allowance (grundavdrag): SEK 45,600 — Maximum, reached between SEK 161,024 and SEK 184,112 of income; at least SEK 17,400
Employment tax credit (jobbskatteavdrag): — Reduces municipal tax; grows with earnings and does not phase out in 2026
Earned income tax reduction: SEK 1,500 — 0.75% of taxable income above SEK 40,000, at most this amount
Burial fee (begravningsavgift): 0.07% — Of taxable income; set by each parish (Stockholm shown)
Public service fee: SEK 1,184 — 1% of taxable income, at most this amount
Expert tax relief (expertskatt): 25% — Of pay untaxed for 7 years for foreign hires earning over SEK 88,800 a month

Where you live sets your tax rate

The same salary with each city's 2026 municipal and regional rate and burial fee. Rates range from about 29% to almost 36% across Swedish municipalities.

On SEK 700,000 a year	Income tax / year	Net / month	Difference / month
Stockholm (figures above)	SEK 118,425	SEK 44,401	—
Gothenburg	SEK 129,102	SEK 43,385	−SEK 1,016
Malmö	SEK 128,164	SEK 43,463	−SEK 938

Holiday pay, pension and a small public-service fee

By law you get 25 days of paid holiday a year. Monthly-paid employees keep their salary during the holiday and receive a holiday supplement on top, and unused days are paid out when the job ends.

The state pension is built from 18.5% of your pay, funded by your employer's contributions and the pension contribution, which costs you nothing net. Most employers add an occupational pension on top; it is not part of these figures.

Everyone with taxable income also pays the public-service fee that funds Swedish radio and television — at most SEK 1,184 a year — and a small burial fee set by each parish.

Expert tax relief for foreign hires

Foreign experts, researchers and key staff hired from abroad can have 25% of their pay left untaxed for seven years, and their employer pays no contributions on that part either. Moving costs, two trips home a year and children's school fees can also be paid tax-free.

Anyone paid more than SEK 88,800 a month qualifies through the salary route, as long as they are not a Swedish citizen and have not lived in Sweden in the previous five years; others must show they are an expert, researcher or key person. The application goes to Forskarskattenämnden within three months of starting work — late applications are rejected.

On SEK 1,200,000 a year, net pay is SEK 64,976 a month without it and SEK 77,631 a month with expert tax relief.

What changed in 2026

•State income tax now starts at SEK 643,000 of taxable income (was 625,800 SEK).
•The employment tax credit grew for middle and higher incomes and no longer phases out.
•Public-service fee cap down to SEK 1,184 (was 1,249 SEK).
•Price base amount up to SEK 59,200 (was 58,800 SEK), raising the allowances.
•Flat tax for non-residents working briefly in Sweden (SINK) down from 25% to 22.5%.
•Region Stockholm cut its tax rate by 0.05 points.

What this calculator assumes

~Under 66, living in Stockholm, not a member of the Church of Sweden.
~Salary is the only income; no deductions such as commuting costs.
~Gothenburg and Malmö rows use those cities' rates and burial fee.
~The expert-tax column assumes Forskarskattenämnden has approved the relief.

Sources

Rules checked against these sources in October 2026. Every figure on this page is computed by the same code as the calculator above. How we verify tax rules. For binding advice, ask a tax adviser.

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