What is municipal tax?

The municipal and regional income tax on your taxable income. It’s flat but varies between municipalities and is the largest tax for the vast majority.

What is the earned-income tax credit?

A tax reduction that lowers municipal tax specifically and rewards work. It builds up with income and is one reason net pay rises more slowly than gross pay.

When do I pay state income tax?

Only on the part of taxable income above the threshold (skiktgräns). Below that level you pay only municipal tax.

Is the general pension contribution deducted from my pay?

It’s computed and shown, but matched by a 100 percent tax reduction — the net effect on your pay is zero. The calculator therefore shows it openly but doesn’t subtract it from the net.

Are the figures correct?

This is an indicative calculation that shows a ballpark, not the final official rates. Wait for confirmed data before basing real decisions on them.

Isometric 3D illustration: rising gold bars with a single flag-blue accent bar, a ring chart with a green net wedge and silver “kr” coins on a bronze slab

Updated · jul 2026

Work out your net pay

Estimate what you take home after tax in Sweden: municipal tax and any state tax are deducted from gross pay, less the basic deduction and the earned-income tax credit.

Work out net pay How it works

Net pay, tax and fees — clearly broken down
No registration and no hidden costs
In Swedish and English

Quick calculation

Enter your gross salary, pick your municipality and whether you’re a member of a religious community — the calculator immediately shows the net pay, the breakdown and the employer cost. The figures give a ballpark, not an official decision.

Gross salary

Your pay before tax.

Per

Municipality

Municipal tax varies between municipalities. Pick your kommun, or enter a custom rate if yours isn’t listed. The choice moves the net figure directly.

Member of a religious community

Assumption: employment income, person under 66 at the start of the income year, income year 2026.

Net pay per month (average)

Net pay28 038,08 kr80%
Municipal tax after earned-income credit6 766,45 kr19%
State tax and fees195,51 kr1%

Gross salary (per month): 35 000,00 kr
Gross salary (per year): 420 000 kr
− Basic deduction (per year): 22 000 kr
− Earned-income tax credit (per year): 46 175 kr
− General earned-income tax reduction (per year): 1 500 kr
Municipal tax after credit (per month): 6 766,45 kr
State income tax (per month): 0,00 kr
Burial fee (per month): 96,85 kr
Public service fee (per month): 98,67 kr
General pension contribution 7 % (per month): −2 450,00 kr
+ Tax reduction 100 % (per month): +2 450,00 kr
Net effect on pay: 0 kr
Total employer cost (per month): 45 997,00 kr

The result is an estimate, not for real decisions.

Notes on the calculation (3)

The employer contribution sits on top of gross pay; it is not deducted from your net pay.

The general pension contribution (7 %) is computed and shown, but is matched by a 100 % tax reduction — the net effect on pay is zero.

The church fee is an estimate that varies by parish; the path for people aged 66 and over and a general earned-income tax reduction are out of scope in this version.

As you earn more, the basic deduction and earned-income credit taper off, and above the threshold state tax is added — so net pay rises more slowly than gross pay.

If you work in Sweden, your employer withholds tax every month: municipal tax and, above the threshold, state income tax — after the basic deduction and the earned-income tax credit are factored in. Your payslip only shows the net amount paid out.

How much you take home isn’t linear with gross pay: as you earn more, the basic deduction and earned-income credit taper off, and above the threshold state tax is added. This calculator makes that breakdown visible.

32,38 %
Average municipal tax (2026): 643 000 kr
State-tax threshold (2026): 42 900 kr
Average monthly pay (SCB, context)

How it works

Three steps to a first, honest estimate — no registration.

1
Enter pay and details
Your gross salary, the municipality you live in and whether you’re a member of a fee-charging religious community.
2
See the breakdown
Municipal tax and any state tax, with the basic deduction and earned-income credit as their own subtracted lines.
3
See net and total cost
Your net pay per month and the employer’s total cost, immediately and clearly.

How the monthly tax works

From your gross pay, the basic deduction is first taken off to get taxable income. Municipal tax is charged on that — on average 32,38 %, but different in each municipality (28,93 % – 35,65 % in the example).

The earned-income tax credit reduces municipal tax specifically. Both the basic deduction and the credit are income-dependent — the very reason net pay rises more slowly than gross pay.

Only on the part of taxable income above the threshold (643 000 kr per year) is state income tax of 20 % added.

Explore the tools

Pages that each cover one topic.

Why the same gross pay can give different net pay

Two things confuse people most. First, municipal tax varies between municipalities: two people with the same gross pay but different home municipalities take home different amounts after tax.

Second, the basic deduction and earned-income credit taper off as income rises, and above the threshold state tax is added. So it isn’t a fixed percentage — the same gross pay can lead to different net pay in different situations.

What the collective agreement and the average tell you

Sweden has no statutory minimum wage. Instead the lowest pay is set in collective agreements between the labour-market parties — the Swedish model. So there is no statutory minimum figure to show.

For orientation, average pay per SCB is around 42 900 kr per month and median pay around 38 300 kr (context, not part of the calculation). Always compare net with net — that’s the money you actually live on.