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Salary after tax in Sweden 2026

Enter your gross monthly salary and pick a municipality, and we will work out what is left. The calculation follows the Swedish tax rules for income year 2026 and assumes ordinary employment income.

SEK / per month
10,000 SEK200,000 SEK

Municipal and regional tax in Stockholm: 30.55%.

More about you

Left after tax

31,044SEK per month

Tax 7,256 SEK · 18.9% · marginal rate 23.0%

The full breakdown
Taxes and fees per year and per month
ItemPer yearPer month
Salary before tax459,600 SEK38,300 SEK
Basic allowance−18,100 SEK−1,508 SEK
Taxable earned income441,500 SEK36,792 SEK
Municipal tax18.22% of taxable income80,441 SEK6,703 SEK
Regional tax12.33% of taxable income54,437 SEK4,536 SEK
Burial fee0.07%, paid by everyone309 SEK26 SEK
Public service fee1% of taxable income, up to the cap1,184 SEK99 SEK
General pension contribution7% of income up to the ceiling — credited back on the next line32,200 SEK2,683 SEK
Credit for the pension contributionThe whole pension contribution−32,200 SEK−2,683 SEK
Earned-income tax creditSet off against municipal tax only−47,794 SEK−3,983 SEK
Earned-income reductionSet off against municipal tax only−1,500 SEK−125 SEK
Total tax and fees87,077 SEK7,256 SEK
Left after tax372,523 SEK31,044 SEK

Over a year

Before tax
459,600 SEK
Tax
87,077 SEK
After tax
372,523 SEK
Costs the employer
604,008 SEK
Salary plus employer social contributions, 31.42%. 50,334 SEK a month.

The same salary elsewhere

  • Stockholm (your municipality)31,044 SEK
  • Österåker — lowest local tax in Sweden31,347 SEK
  • Dorotea — highest local tax in Sweden29,750 SEK

Net monthly pay on 38,300 SEK a month, without the church fee.

Salary after tax, table

Net monthly pay in an average municipality (32.38% municipal and regional tax), without the church fee, for someone under 66.

Monthly salary before and after tax in an average municipality
Before tax After tax Tax Tax rate
10,000 SEK 8,845 SEK 1,155 SEK 11.6%
15,000 SEK 12,843 SEK 2,157 SEK 14.4%
20,000 SEK 16,699 SEK 3,301 SEK 16.5%
25,000 SEK 20,496 SEK 4,504 SEK 18%
30,000 SEK 24,267 SEK 5,733 SEK 19.1%
35,000 SEK 28,038 SEK 6,962 SEK 19.9%
40,000 SEK 31,798 SEK 8,203 SEK 20.5%
45,000 SEK 35,164 SEK 9,836 SEK 21.9%
50,000 SEK 38,530 SEK 11,470 SEK 22.9%
55,000 SEK 41,897 SEK 13,103 SEK 23.8%
60,000 SEK 44,270 SEK 15,730 SEK 26.2%
65,000 SEK 46,636 SEK 18,364 SEK 28.3%
70,000 SEK 49,003 SEK 20,997 SEK 30%
75,000 SEK 51,369 SEK 23,631 SEK 31.5%
80,000 SEK 53,736 SEK 26,264 SEK 32.8%
85,000 SEK 56,102 SEK 28,898 SEK 34%
90,000 SEK 58,469 SEK 31,531 SEK 35%
95,000 SEK 60,835 SEK 34,165 SEK 36%
100,000 SEK 63,202 SEK 36,798 SEK 36.8%

The municipality matters. On 38,300 SEK a month the take-home is 31,347 SEK in Österåker and 29,750 SEK in Dorotea — the lowest and the highest local tax rates in the country.

How this is calculated

The figure is the final tax for a full year on this salary, divided by twelve. Here is how it is worked out, in the order the law sets.

  1. The gross salary is multiplied by twelve and rounded down to a whole hundred kronor. That is the assessed earned income.
  2. The basic allowance (grundavdrag) is deducted. It follows a schedule that depends on income, and is considerably higher for anyone who has turned 66 by the start of the year. What remains is the taxable earned income.
  3. Municipal and regional tax are charged at the municipality's own rates on the taxable income.
  4. National income tax is charged at 20% on the part above the national threshold.
  5. The public service fee is 1% of the taxable income, up to a cap.
  6. The burial fee is paid by everyone. The church fee only by members of the Church of Sweden.
  7. The general pension contribution, 7% of income up to a ceiling, is added — and credited back in full in the next step. It appears in the breakdown because it appears on the Swedish tax statement, but it costs nothing.
  8. The tax credits are deducted in order: for the general pension contribution, the earned-income tax credit (jobbskatteavdrag) and the earned-income reduction. The last two may only be set off against municipal tax.
  9. What remains is the tax for the year. Net pay is the gross salary minus that, divided by twelve.

Your employer withholds preliminary tax from a table that works in steps of 200 kronor, rounds the local tax rate to a whole per cent and leaves out the earned-income reduction. The monthly deduction on your payslip can therefore differ by a couple of hundred kronor from the figure here; the difference is settled in the annual assessment. The calculator covers ordinary employment income — not pensions, capital income, benefits in kind or self-employment.

Subletting your home? Rental income is taxed as capital income, not as salary — work out a fair rent and the tax with Andrahandskalkylatorn.

This year's amounts

Constants used in the calculation for income year 2026
Price base amount 59,200 SEK
Income base amount 83,400 SEK
Threshold for national income tax 643,000 SEK
Basic allowance 17,400 SEK – 45,600 SEK
Public service fee, maximum 1,184 SEK
General pension contribution, maximum 47,100 SEK
Municipal and regional tax, national average 32.38%
Employer social contributions 31.42%

Jobs that pay around this

Six jobs whose median salary is close to the national median, with their net pay in an average municipality.

All jobs A–Z

Frequently asked questions

What is included in the calculation?

Municipal tax, regional tax, national income tax, the public service fee, the burial fee and — if you are a member — the church fee. From that we deduct the earned-income tax credit, the credit for the general pension contribution and the earned-income reduction. The calculation is for income year 2026 and ordinary employment income.

Why does it not match my payslip exactly?

Your employer withholds preliminary tax from the Swedish Tax Agency's tables. Those work in steps of 200 kronor, use the local tax rate rounded to a whole per cent and do not include the earned-income reduction. This calculator instead works out the final tax for a whole year and divides by twelve. The difference is normally a couple of hundred kronor a month, and it is settled once your tax return is assessed.

How much does the municipality matter?

A lot. Municipal and regional tax ranges from 28.93% to 35.65%. On 38,300 SEK a month that is a difference of roughly 1,597 SEK a month between the cheapest and the most expensive municipality. The national average is 32.38%.

What does the church fee cost?

The fee to the Church of Sweden averages a little over one per cent of taxable income and is decided by the parish. The calculator uses an average of the parishes in the municipality, so your own parish may sit slightly above or below it. The burial fee is paid by everyone, member or not.

When does national income tax start?

National income tax is 20% on taxable earned income above the threshold, which for 2026 is 643,000 SEK a year. With the basic allowance included that means a monthly salary of roughly 55,000 kronor before the first krona of national tax is charged.

Why is net pay higher from the age of 66?

Anyone who has turned 66 by the start of the income year gets both a much larger basic allowance and a larger earned-income tax credit. The difference is substantial — several thousand kronor a month at a typical salary — and it is deliberate: it is meant to make working on pay off.

Where do the tax rates come from?

Municipal and regional rates come from the Statistics Sweden database, church and burial fees from the Swedish Tax Agency's published rates per parish. The example above is calculated for an average municipality, where 38,300 SEK a month leaves 30,528 SEK after tax.

What is left if the income goes? Work out unemployment benefit