On 450 000 kr gross a year in Stockholm, using the real 30.6% kommunalskatt rate and your jobbskatteavdrag credit, take-home lands around 30 452 kr/month. Enter your own salary and pick your municipality below for your exact rate and credit.
Rates verified How we check rates
Municipalities
26+
plus national average
Rate range
28.9%-35.6%
2026, kommun + region
Max jobbskatteavdrag
4,366 kr/mo
under 66, no phase-out
Brytpunkt
660,400 kr
2026, under 66
Kommunalskatt rates above are sourced directly from SCB and Skatteverket's published 2026 rate sheet. Grundavdrag, jobbskatteavdrag and the skattereduktion för förvärvsinkomst use the exact 2026 formulas from Skatteverket's technical description for employers (SKV 433).
Common income levels:
Net take-home in Stockholm
365 428 kr
Per month
30 452 kr
Kommunalskatt rate
30.6%
Effective rate
18.8%
How your 450 000 kr gross salary is split
365 428 kr
81.2%
83 389 kr
18.5%
0 kr
0.0%
| Gross annual salary | 450 000 kr |
| Kommunalskatt (Stockholm, 30.6%) on 431 000 kr after the 19 000 kr grundavdrag | -131 671 kr |
| Jobbskatteavdrag (earned income tax credit) | 46 782 kr |
| Skattereduktion för förvärvsinkomst | 1 500 kr |
| State tax (statlig inkomstskatt, above brytpunkt) | −0 kr |
| Public service fee | -1 184 kr |
| Net take-home (annual) | 365 428 kr |
Kommunalskatt rates are 2026 total municipal rates (kommun + region) per SCB and Skatteverket, and exclude the optional kyrkoavgift (Church of Sweden congregation fee) and the small mandatory begravningsavgift (funeral fee). Jobbskatteavdrag is modelled as a piecewise approximation of Skatteverket's published 2026 ramp (SKV 425), anchored to the confirmed maximum credit and income level, not a reproduction of the exact statutory table. State tax uses the 2026 brytpunkt for taxpayers under 66. Grundavdrag (basic allowance) is not modelled. For exact figures, use Skatteverket's own calculator or consult a tax advisor.
Most Sweden tax calculators use a single national-average kommunalskatt rate applied to every user, regardless of where they actually live. That average, 32.38% for 2026 per Statistics Sweden (SCB), hides a real spread: your kommun and region each set their own rate, and the combined total runs from 28.9% in the lowest-taxed municipality to 35.6% in the highest. Picking your actual municipality below, instead of the average, is the single biggest accuracy improvement this calculator makes.
The second gap in a flat-rate estimate is jobbskatteavdrag, the earned income tax credit. It isn't a discount on your taxable income, it's a reduction taken directly off your municipal tax bill, and it ramps up as your earned income rises before levelling off at a maximum of 4,366 kr/month for taxpayers under 66 in 2026. Because it credits against municipal tax specifically, the kronor value of your credit is larger if you live somewhere with a higher kommunalskatt rate, even at identical income. The old high-income phase-out that used to shrink this credit again at the top of the income scale was abolished starting the 2025 tax year and stays removed for 2026, so once you reach the maximum, it holds.
On top of kommunalskatt, income above the brytpunkt (SEK 660,400/year for taxpayers under 66 in 2026) is also subject to a flat 20% statlig inkomstskatt, state income tax. Only the slice of income above that threshold is taxed at the extra rate, not your entire salary, and this calculator reuses that same threshold and rate from our national Sweden tax model.
What this calculator leaves out: the optional kyrkoavgift church membership fee and the small mandatory begravningsavgift funeral fee (grundavdrag, jobbskatteavdrag and the skattereduktion för förvärvsinkomst are all included). None of those are large enough to change which municipality is cheapest, but they mean your real payslip may differ from this estimate by a modest amount. For an exact figure, Skatteverket's own calculator remains the authoritative source.
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Kommunalskatt funds both your kommun (municipality) and your region/landsting, and each sets its own rate independently. For 2026, Statistics Sweden (SCB) reports the total combined rate ranges from 28.9% in Österåker to 35.6% in Dorotea, a spread of over 6.7 percentage points on identical gross pay. A flat national-average calculator (32.38%) can misstate your real take-home by thousands of kronor a year depending on where you actually live.
Jobbskatteavdrag is an earned income tax credit applied as a reduction against your municipal tax liability, not against your taxable income. It ramps up with earned income and, for 2026, reaches a maximum of 4,366 kr/month for taxpayers under 66, with no high-income phase-out (that avtrappning was abolished starting the 2025 tax year and remains removed for 2026). On a 450 000 kr salary in Stockholm, this calculator computes a jobbskatteavdrag credit of roughly 46 782 kr/year, which comes off your municipal tax after the grundavdrag has already reduced your taxable income.
On 450 000 kr gross in Stockholm, the national-average 32.38% rate would leave 360 343 kr/year after tax. Stockholm's actual 30.6% rate leaves 365 428 kr/year, about 5 084 kr more, even though a lower rate also means a slightly smaller jobbskatteavdrag.
No. This calculator's municipal rates are SCB's total kommunal skattesats figures, covering kommun and region tax only. The optional kyrkoavgift, paid only by registered Church of Sweden members, and the small mandatory begravningsavgift (funeral fee, roughly 0.2-0.3%) are both excluded. If you're a church member, expect your real net pay to be fractionally lower than shown here.
The brytpunkt is the gross annual income threshold above which an additional 20% statlig inkomstskatt (state income tax) applies, on top of kommunalskatt. For 2026, it's SEK 660,400/year for taxpayers under 66 (SEK 760,500/year for 66+, who get a larger age-related basic deduction). Only the portion of income above the threshold is taxed at the extra 20%, not your whole salary.
No. Because jobbskatteavdrag is a credit against municipal tax specifically, and municipal tax rates differ by kommun, the kronor value of the credit scales with your own municipality's rate: residents of higher-tax municipalities get a larger jobbskatteavdrag in kronor terms than someone earning the same salary in a lower-tax municipality, even though the underlying formula is the same.
It uses 2026 municipal rates from SCB and Skatteverket's published rate sheet, and computes grundavdrag, jobbskatteavdrag and the skattereduktion för förvärvsinkomst with the exact 2026 formulas in Skatteverket's 2026 technical description for employers (SKV 433). Checked against Skatteverket's 2026 tax table 31, it lands within about 1% of the official monthly withholding. It leaves out the burial and church fee; confirm exact figures with Skatteverket or a tax advisor.
Related reading & tools
See how Sweden take-home pay compares to other Nordic and European markets, and check the national-average model this calculator improves on.
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