Blogs
Short pieces on tax, pensions, insurance and saving in Sweden, written for people who arrived from somewhere else.
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Family Finance: One Spreadsheet Every Spouse Needs to See Before It’s Too Late
It’s the conversation nobody wants to have. It feels awkward, unromantic, and sometimes downright morbid.
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Sale of Apartment Loss – Tax calculation
Sold an apartment in Sweden for loss in the Financial Year?
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Non-Working Spouse – Advantage
I know you are looking for a job in every means possible, but never feel guilty about not getting a job in your new country!
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Pension Triangle
Sweden may have high taxes, but Sweden also has a very good pension system for employees.
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Importance of Personal Finance
Here is my story and why I feel everyone needs to understand finance and financial planning in life.
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More Salary offered ?
Sweden is one of the countries that pays higher salaries to employees than the actual salary shown in the offer letter.
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Social Taxes – Paid by Company
Did you know that your employer in Sweden pays a tax of 31.42% on your gross pay to employ you?
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Tax Savings – Salary Exchange
Löneväxling : Its an option provided by the company , then a person can move a part of the Salary to Pension Year 2025: Earning above 53,600 Kr/month incurs
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Financial Safety – Sweden
The Swedish Financial Safety Net: Why It's a Pillar of Support in Sweden
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Tax Treaty : Right to Tax
My story with managing taxes as an expat in Sweden who also has income via capital gains in my origin country India.
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Income to be Declared to Skatteverket
Sweden has the right to tax worldwide income, hence it's your duty to carefully report any income you have in your home country or other parts of the world.
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Tax Deduction
It’s time for Tax declaration in Sweden every March: Let's understand the various deductions a private person is eligible for:
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Swedish Tax System
When we moved to Sweden, we think it's only income tax that applies to us. But as I try to learn more about the tax system for private individuals, there are
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Parents Love Sweden
SWEDEN is a unique country in the world which provides so much support to parents!
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Before Moving to Sweden – Things to Do in India
Close all unnecessary bank accounts in India for you and your spouse. Maximum have 2 bank accounts. If you are leaving your Indian job and coming to Sweden,
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UPI for NRI
NRI accounts include NRE and NRO accounts. I prefer to connect my Indian mobile number with my NRO account and my international Sweden number with my NRE
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Investing in India Stocks & Mutual Fund
You can update the existing mutual fund, which was bought under resident Indian tax status, to NRI status. It’s easier to update the KYC through platforms
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Parental Allowance – Requirements
To all future parents in Sweden, navigating the complexities of becoming a parent in a new country can be overwhelming. From resident permits to passport
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Repayment Protection – Occupation Pension
1) If you activate repayment protection, your spouse (based on Swedish inheritance law) will get your occupation pension.
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Should I move to Sweden ?
Let's celebrate the benefits of living in Sweden that often go unnoticed.
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International Income Reporting
50% of the population report foreign income incorrectly in tax returns, as per Skatteverket report.
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Private health insurance – Faster Appointments
More individuals in Sweden are opting for private health insurance to secure faster access to medical care.
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Income Insurance
This post sheds light on the essential aspect of Inkomstförsäkring, an inherent insurance offered by various unions in Sweden.For expats, especially engineers
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Emergency Fund Requirement
Here is the snapshot of various situations when we need an Emergency Fund as expats in Sweden. (Akassa and inkomstförsäkring are really good financial safety
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Positive Side of Immigration in Sweden
Indians skilled workers in Sweden tops the list with the median value of total earned income in year 2022 based on SCB (Statistikmyndigheten).
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Public Dental Insurance in Sweden
Most people in Sweden are unaware about this dental insurance! Yes, Folktandvården (Public Dental Care) offers a Dental Insurance known as abonnemangstandvård.
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Should I have cash in Sweden?
Each person can have: 58 billion / 10.5 million people = 5480 SEK in cash for each person.
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ISK Investment Account – Taxation
ISK Account holding tax will be lower for year 2025 which shall be 0,888%.
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Withdraw of Occupation Pension
You can buyback (withdraw) your occupation pension (Tjänstepension ) in Sweden anytime but it needs to meet a certain condition
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Moving to sweden with family expense
Housing stands out as the most significant expense in Sweden, capable of shaping the financial stability of a single income earner supporting a family.
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Top 10 Personal finance things to do in Sweden
Top 10 Personal Finance Tips for Working Expats in Sweden Be a Member of A-kassa (Unemployment Fund): Ensure financial stability during unemployment by
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NRI to do List – Visiting India
NRI Visiting India, remember to spend some time on your financial wellbeing and execute these basic tasks. This way, you don't have to worry or procrastinate
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Must Know Topics before you become Non-Resident Indian (NRI)
As an Indian NRI expat living in a Nordic country for the last 14 years, the most important things I have learned and practically experienced are:
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Expat in Sweden with Single Income
Most expats when they move to Sweden, then it's always one person getting a new job in Sweden and the spouse and family follows them to Sweden.
