Swedish ISK model
Explore your own capital-base and tax assumptions.
Sweden only. This educational model uses your assumed capital base, tax-free amount and effective tax rate. Zero defaults do not represent current rules. Enter verified values. The model does not calculate the official capital base, the shared tax-free allowance across eligible accounts or your final tax liability.
Read the official ISK guidance at Skatteverket ↗Common questions
What does the Swedish ISK tax calculator estimate?
It subtracts the exemption you enter from the capital base, floors the result at zero and multiplies it by your effective tax rate. All three values are user inputs. The model does not fetch the rules for a tax year or reproduce the full Swedish tax return.
Is the ISK capital base the same as my account balance today?
Not necessarily. The annual capital base follows rules involving quarterly values and relevant deposits or transfers. The exemption can also depend on combined savings across eligible arrangements. Use the figures and rules for the relevant year from Skatteverket rather than substituting a single current balance.
Which rate should I enter in the ISK tax model?
Enter the effective tax percentage applied to the taxable base in this simplified model, not merely the interest factor used to calculate imputed income. Confirm the relevant year's rate and exemption with Skatteverket. The zero starting values are placeholders, not a statement that no tax is due.
Can this ISK calculator calculate tax on coins in a crypto wallet?
No. It is a simplified model for Swedish ISK assumptions. It does not calculate gains or losses on directly owned cryptoassets, determine which securities an ISK may hold, or decide your reporting obligations. Use the relevant official guidance for the account and asset you actually hold.
Sources and further reading
A global market. Local rules.
Check the authority responsible for your country and the legal entity providing the service. Keep purchase, sale, swap and transfer records. Your tax residence and the product you use determine which guidance applies; the links below are general starting points.