MacLaine Finance
30+ free Swedish finance calculators. No login, no tracking
What it does
Free Swedish personal-finance calculators: salary, pension, mortgage, FIRE, savings and 20+ more. No login, no tracking, calibrated to 2026 rules.
Free, plain-language tools for every stage, from your first payslip to early retirement. No account, no tracking. Your take-home pay in Sweden depends on your municipality’s kommunalskatt (29-35%), whether your taxable income reaches the skiktgräns for state tax (643,000 kr for 2026), and how the grundavdrag and jobbskatteavdrag deductions offset your tax bill. Above 7.5 × IBB (625,500 kr), your employer’s ITP1 pension contributions jump from 4.5% to 30%, making löneväxling significantly more valuable. These tools cover each decision point: salary breakdown across all 290 municipalities, pension projections, salary sacrifice analysis, ISK vs pension comparison, compound interest with…from maclaine.se
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