Salary Calculator for Sweden [2025]

Step 1: Select the Salary Type

Start by choosing whether you want to calculate using Gross Salary or CTC (Cost to Company), based on how your payroll structure is set in Sweden.

Step 2: Choose the Payment Frequency

Pick a payment frequency that matches your payroll schedule: Monthly, Weekly, or Annual, as per Sweden’s standard salary structures.

Step 3: Enter the Salary Amount

Input the salary amount based on your selected frequency. The calculator will account for Sweden’s tax rates, social security contributions, and other deductions.

Step 4: Enter Your Details

Provide basic details such as your Name, Email Address, and Phone Number to receive a personalized breakdown of your net salary after Swedish tax deductions.

Step 5: Click “Calculate”

Hit the “Calculate” button to instantly generate a detailed breakdown of your take-home pay, considering Sweden’s progressive tax system and other mandatory deductions.

• Monthly CTC                                                          
• Social Security Deduction Total                         
• Health Insurance                                                     
• Parental Insurance                                                  
• Retirement Pension                                                 
• Survivor Pension                                                        
• Labor Market Fees                                                   
• Occupational Injury Fee                                               
• General Payroll Tax                                                  
• Monthly Gross Salary                                            
• Income Tax Final                                                     
• Net Income Final

A Sweden Salary Calculator is a robust tool designed to help you estimate your take-home pay by breaking down your salary into earnings and deductions. It factors in key components such as gross salary, income tax, social security contributions, pensions, and other mandatory deductions to provide a clear and accurate net salary estimate.

• Gross Salary (Bruttolön): Your total earnings before any deductions, including your base salary and any additional benefits provided by your employer.
• Overtime Pay (Övertidsersättning): Compensation for hours worked beyond regular working hours.
• Allowances (Tillägg): Additional payments such as travel, meal, or shift allowances based on your employment terms.
• Bonuses (Bonusar): Performance-based, annual, or contractual bonus payments awarded by the employer.

• Income Tax (Inkomstskatt): A (progressive) tax applied to your earnings, including municipal tax and, if applicable, state tax for higher income brackets.
• Social Security Contributions (Sociala Avgifter): Mandatory deductions covering Sweden’s healthcare, parental insurance, retirement pension, and survivor pension.
• Unemployment Insurance (A-Kassa): Optional but common contributions that provide financial security in case of job loss.
• Pension Contributions (Pensionsavgift): A portion of your salary goes toward the public pension system, ensuring financial stability after retirement.

Unlike most EU countries, Sweden does not have a statutory minimum wage. Instead, wages are determined through collective agreements between employers and trade unions, ensuring fair pay based on industry, role, and experience.

However, for non-EU nationals applying for a Swedish work permit, there is a minimum salary requirement of SEK 17,800 per month before taxes, which translates to a take-home pay of around SEK 14,981.

In practice, actual entry-level salaries are often higher than the work permit threshold, providing a reasonable living standard. Sweden’s strong labor union system helps maintain competitive wages across different sectors.

Sweden’s tax system can feel like a puzzle, but it’s pretty straightforward once you break it down. It’s split into two parts: municipal tax (everyone pays it) and national tax (only for higher earners). Here’s how it works for 2024—and how PamGro’s calculator figures out your take-home pay.

Municipal Tax: 

This is a flat rate set by the area you live in, usually between 29% and 35% (average is 32%). No matter how much you earn, you pay this on your full income.

National Tax: 

This kicks in only if your yearly taxable income goes over SEK 598,500. Anything above that gets an extra 20% tax. If you earn less than this, you skip the national tax and just pay the municipal one.

Sweden’s 2024 Income Tax Rates – 

Example Breakdown: 

Say you earn SEK 700,000 a year:

• Municipal Tax (32%): SEK 700,000 × 0.32 = SEK 224,000
• National Tax (20% on excess over SEK 625,800): SEK 700,000 – SEK 625,800 = SEK 74,200 × 0.20 = SEK 14,840
• Total Tax: SEK 224,000 + SEK 14,840 = SEK 238,840
•  Net Salary: SEK 700,000 – SEK 238,840 = SEK 461,160

Non-residents working in Sweden pay a flat Special Income Tax for Non-Residents (SINK) instead of the progressive taxes residents face. Here’s how it works:

SINK Tax Rate

• Rate: 25%
• Applies To: All income from Swedish sources

Non-residents get a flat 25% tax on their Swedish earnings—no deductions, no municipal or national taxes. To use this rate, you or your employer must apply for SINK with the Swedish Tax Agency.

Sweden Non-Residents Income Tax Table (2025): 

Example Calculation

If a non-resident earns SEK 400,000 from a Swedish job in 2025:

• Total Income: SEK 400,000
• SINK Tax (25%): SEK 400,000 × 0.25 = SEK 100,000
• Net Income After Tax: SEK 400,000 – SEK 100,000 = SEK 300,000

Source:  Swedish Tax Agency – Special income tax for foreign residents (SINK)
PwC – Sweden: Individual – Taxes on personal income