How much do I take home on a gross salary of SEK 40,000 a month?

On SEK 40,000 gross, net pay is SEK 32,100 a month in Stockholm, or SEK 385,200 a year. The amount depends on the municipality and on whether you are a member of the Church of Sweden.

What are the effective and marginal tax rates at SEK 40,000?

The effective tax rate is 19.8%: SEK 94,800 of tax on annual pay. The marginal rate is 31.0%, so that share of an extra krona of gross pay goes in tax.

How much of a SEK 1,000 raise do I keep?

If your gross pay goes from SEK 40,000 up by SEK 1,000 a month, net pay rises by SEK 690. You keep 69.0% of the raise.

What changes if I am 66 or older?

At SEK 40,000 a month net pay is SEK 35,358, which is SEK 3,258 more than for someone younger, thanks to the higher basic allowance and the larger earned income tax credit.

How does Stockholm compare with other large municipalities?

Among the 10 largest municipalities, Stockholm ranks 1 for net pay at SEK 40,000. Stockholm is highest with SEK 32,100 and Norrköping lowest with SEK 31,348.

Net salary in Stockholm on SEK 40,000 a month

In Stockholm the combined municipal and regional income tax rate is 30.6%. On a gross salary of SEK 40,000 a month you take home SEK 32,100, or SEK 385,200 a year, using Skatteverket tax tables for 2026. That ranks 1 of 10 among the largest municipalities: highest in Stockholm (SEK 32,100), lowest in Norrköping (SEK 31,348).

Calculate your own case

Monthly gross salary

Before tax. Use a comma or a point for the decimals.

Municipality

Member of the Church of Sweden

Aged 66 or older at the start of the year

Gives an elevated basic allowance and a different earned income tax credit.

Result

Monthly net: SEK 32,100.00
Annual net: SEK 385,200.00
Effective rate: 19.8%
Marginal rate: 31.0%Of your next raise, how much goes to taxes and contributions.

Breakdown

Each payment of the year, with the amount of each tax and contribution
Payment	Gross	State income tax	Municipal income tax (incl. region)	General pension fee	Tax credit for pension fee	Earned income tax credit	Employment income tax credit	Public service fee	Funeral and church fee	Net
Regular month (× 12)	SEK 40,000.00	-SEK 0.00	-SEK 11,502.16	-SEK 2,799.73	SEK 2,799.73	SEK 4,022.95	SEK 124.99	-SEK 98.66	-SEK 447.12	SEK 32,100.00
Year total	SEK 480,000.00	-SEK 0.00	-SEK 138,025.92	-SEK 33,596.76	SEK 33,596.76	SEK 48,275.40	SEK 1,499.88	-SEK 1,183.92	-SEK 5,365.44	SEK 385,200.00

Worth knowing

This follows the Swedish Tax Agency’s tax table: the total tax rate is rounded to a whole number and funeral and church fees count as 1.16 percentage points. Final tax is set in the tax return and can differ.
The public service fee is part of the table and applies to people aged 18 or older at the start of the year.

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Where the money goes

Municipal income tax (incl. region): SEK 11,502 a month (28.8% of gross)
General pension fee: SEK 2,800 a month (7.0% of gross)
Tax credit for pension fee: -SEK 2,800 a month (-7.0% of gross)
Earned income tax credit: -SEK 4,023 a month (-10.1% of gross)
Employment income tax credit: -SEK 125 a month (-0.3% of gross)
Public service fee: SEK 99 a month (0.2% of gross)
Funeral and church fee: SEK 447 a month (1.1% of gross)

Assumptions

Calculated for an employee under 66 who is not a member of the Church of Sweden, using the Skatteverket tax table for 2026 and the municipal tax of Stockholm. Change the inputs in the calculator above.

Nearby salaries

Around SEK 40,000 gross, every raise of SEK 1,000 adds SEK 690 net, which is 69.0% of the raise. The table shows nearby salaries on the same assumptions; each row links to its page.

Gross a month	Net a month	Effective rate
SEK 35,000	SEK 28,291	19.2%
SEK 37,000	SEK 29,819	19.4%
SEK 40,000(this page)	SEK 32,100	19.8%
SEK 42,000	SEK 33,480	20.3%
SEK 45,000	SEK 35,550	21.0%

Comparing municipalities

The same gross salary of SEK 40,000 a month, after tax, in the 10 largest municipalities, from highest to lowest. The gap between the highest and the lowest is SEK 752 a month, or SEK 9,024 a year.

Municipality	Municipal rate	Net a month	Difference
Stockholm(this page)	30.6%	SEK 32,100	—
Linköping	31.8%	SEK 31,849	-SEK 251
Västerås	31.2%	SEK 31,849	-SEK 251
Helsingborg	31.4%	SEK 31,849	-SEK 251
Göteborg	32.6%	SEK 31,598	-SEK 502
Malmö	32.4%	SEK 31,598	-SEK 502
Uppsala	32.9%	SEK 31,598	-SEK 502
Örebro	33.7%	SEK 31,348	-SEK 752
Jönköping	33.4%	SEK 31,348	-SEK 752
Norrköping	33.3%	SEK 31,348	-SEK 752

Frequently asked questions

How much do I take home on a gross salary of SEK 40,000 a month?: On SEK 40,000 gross, net pay is SEK 32,100 a month in Stockholm, or SEK 385,200 a year. The amount depends on the municipality and on whether you are a member of the Church of Sweden.
What are the effective and marginal tax rates at SEK 40,000?: The effective tax rate is 19.8%: SEK 94,800 of tax on annual pay. The marginal rate is 31.0%, so that share of an extra krona of gross pay goes in tax.
How much of a SEK 1,000 raise do I keep?: If your gross pay goes from SEK 40,000 up by SEK 1,000 a month, net pay rises by SEK 690. You keep 69.0% of the raise.
What changes if I am 66 or older?: At SEK 40,000 a month net pay is SEK 35,358, which is SEK 3,258 more than for someone younger, thanks to the higher basic allowance and the larger earned income tax credit.
How does Stockholm compare with other large municipalities?: Among the 10 largest municipalities, Stockholm ranks 1 for net pay at SEK 40,000. Stockholm is highest with SEK 32,100 and Norrköping lowest with SEK 31,348.

Results are estimates based on official tax data and do not constitute tax or legal advice.