Sweden Tax Calculator 2025
Calculate your Swedish income tax, municipal tax, national insurance, and take-home pay with official 2025 rates from Skatteverket (Swedish Tax Agency). This calculator includes employer contributions, pension deductions, and municipal variations for all Swedish municipalities.
Swedish Tax & Take-Home Calculator
Your 2025 Swedish Tax Calculation
Monthly Breakdown
Swedish Tax System 2025
National Income Tax (Statlig inkomstskatt)
Sweden has a progressive national income tax system:
| Taxable Income (SEK) | Tax Rate | Notes |
|---|---|---|
| Up to 625,800 | 0% | No national income tax on earnings below threshold |
| 625,800+ | 20% | Flat 20% on income above threshold |
Municipal Income Tax (Kommunal inkomstskatt)
In addition to national tax, Swedish residents pay municipal income tax that varies by location:
| Municipality | Tax Rate | Notes |
|---|---|---|
| Average Sweden | 32.41% | Average municipal tax rate 2025 |
| Lowest: Österåkers kommun | 28.98% | Lowest tax rate in Sweden |
| Highest: Degerfors kommun | 35.30% | Highest tax rate in Sweden |
| Stockholm | 30.60% | 18.22% municipal + 12.38% regional |
| Gothenburg | ~31.50% | Major city average |
Swedish Tax Calculation Formulas
Swedish tax is calculated on your gross income minus applicable deductions:
Earned Income Deduction (Jobbskatteavdrag) 2025
Sweden provides an earned income deduction that increases with income level:
| Total Income (SEK) | Deduction (SEK) |
|---|---|
| 24,900 – 58,300 | 24,900 |
| 58,300 – 159,900 | 25,000 – 45,200 |
| 159,900 – 183,600 | 45,300 |
| 183,700 – 462,600 | 45,200 – 17,400 (decreasing) |
| 462,700 and above | 17,300 |
Social Security Contributions (Socialavgifter) 2025
Employee Contributions
| Contribution Type | Rate | Annual Cap |
|---|---|---|
| General Pension Fee (Allmän pensionsavgift) | 7% | SEK 604,500 (max contribution: SEK 42,315) |
| Fully tax deductible | Yes | Reduces taxable income |
Employer Social Security Contributions (Arbetsgivaravgifter)
| Employee Age | Contribution Rate | Breakdown |
|---|---|---|
| Born 1959 or later (Under 66) | 31.42% | Pension 10.21% + Health 3.55% + Parental 2.60% + Others |
| Age 66 and older | 10.21% | Pension contributions only (reduced) |
Effective Total Tax Rate 2025
Sweden's combined income tax and social contributions create a high overall tax burden:
| Component | Rate |
|---|---|
| National Income Tax (on high earners) | 20% |
| Municipal/Regional Tax (average) | 32.41% |
| Employee Pension Fee (7% up to cap) | ~3-4% |
| TOTAL EFFECTIVE TAX RATE (High Earners) | ~52-55% |
| Plus: Employer Contribution (31.42%) | Cost to employer |
Church Fee (Kyrkoskatt) 2025
Members of the Church of Sweden pay an additional church fee (kyrkoskatt) that varies by parish. The average is approximately 1% of income, but ranges from about 0.50% to 1.50% depending on location.
Value Added Tax (Moms) in Sweden
In addition to income tax, Sweden has a high standard VAT rate:
| VAT Category | Rate | Applied To |
|---|---|---|
| Standard VAT | 25% | Most goods and services |
| Reduced Rate | 12% | Food, hotels, restaurants, haircuts |
| Low Reduced Rate | 6% | Books, newspapers, transport, cultural events |
| Zero Rate | 0% | Exports, medicines, some international services |
Taxation of Non-Residents in Sweden
If you work in Sweden but are not a tax resident, different rules apply:
| Employment Situation | Tax Rate |
|---|---|
| Working for Swedish employer or company with Swedish PE | 25% flat rate |
| Less than 15 consecutive days or 45 days total per year | May be exempt |
| Working for foreign employer without PE in Sweden | May not be taxed in Sweden |
Official Swedish Tax Resources
Official Skatteverket (Swedish Tax Agency)
- Skatteverket (Swedish Tax Agency) - Official Website - Main tax authority
- Calculate Income After Tax - Skatteverket Online Tool - Official tax calculator
- A-tax Certificate and Tax Tables - Skatteverket - Tax rates by age
Swedish Government Resources
- Sweden.se - Taxes in Sweden - Official government information
- Statistics Sweden (SCB) - Municipal Tax Rates 2025 - Official municipal tax statistics
Social Security Information
- Business Sweden - Swedish Social Security System 2025 PDF - Employer contributions overview
- Försäkringskassan (Swedish Social Insurance Agency) - Social insurance details
Church Fee Information
- Swedish Church (Svenska Kyrkan) - Church Fee Information - Church tax details
Disclaimer: This calculator provides estimates based on 2025 official Swedish tax rates. Actual tax liability may differ based on individual circumstances, deductions, and special allowances. For personalized tax advice, consult with a Swedish tax professional or contact Skatteverket directly.