Financial disclaimer
All figures in BoWise. and BoMove are estimates for planning only — not financial, tax or legal advice.
Assumptions (tax year 2026)
Income tax: simplified 2026 rules for employees under 66 — municipal tax per municipality (SCB), basic allowance, earned income tax credit, state tax above 643,000 kr, prisbasbelopp 59,200 kr; church fee excluded.
Interest deduction: 30% on up to 100,000 kr of interest per borrower per year, 21% above.
Amortization: Swedish mortgage amortization requirements based on loan-to-value and debt-to-income.
Moving: 22% tax on capital gain, deferral capped at 3,000,000 kr of profit, proportional deferral when the new home is cheaper; lagfart 1.5% + 825 kr, pantbrev 2% + 375 kr.
Limitations
Rules, rates and your personal situation change. Results may differ from what Skatteverket, your bank or your lender calculate. Consult a qualified advisor before making major financial decisions.