🇸🇪 SEK · official spending data
The Sweden household budget
Based on average net household income ~35,000 SEK/month (SCB 2023) Adjust any category below, then export to PDF or Excel — free, no sign-up.
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Sweden household budget breakdown
The average Sweden household takes home approximately 35,000 SEK per month after taxes. Housing is typically the largest expense, accounting for around 26% of net income. The top spending categories are housing (26%), savings & investments (16%) and transport (13%). Financial guidelines recommend saving at least 16% of monthly income to build an emergency fund and long-term financial security. Use this free budget template to enter your own income, adjust each category to match your lifestyle, and export your personalised plan to PDF or Excel.
Based on SCB Hushållens utgifter (HUT) survey.
Frequently asked questions
What is a typical monthly household budget in Sweden?▾
Based on official spending data, a typical household in Sweden spends around kr 35,000 (≈ $3,663 USD)/month. The largest expenses are housing, savings & investments, transport. Use the budget tool above to personalise these figures to your income.
How much of my income should I spend on housing in Sweden?▾
The guideline for Sweden is to spend around 26% of your monthly net income on housing costs (rent or mortgage, property taxes, and home insurance). On an income of kr 35,000 (≈ $3,663 USD)/month, that works out to about kr 9,100 (≈ $952 USD)/month.
What is a realistic grocery budget in Sweden?▾
A typical household in Sweden spends around 12% of monthly income on food and groceries — roughly kr 4,200 (≈ $440 USD)/month based on average incomes. This covers supermarket shopping but not dining out, which is tracked separately.
How much does transport cost per month in Sweden?▾
Transport typically accounts for 13% of a household budget in Sweden, or about kr 4,550 (≈ $476 USD)/month. This includes car costs, public transport, and fuel.
How much should I save each month in Sweden?▾
Financial guidelines for Sweden recommend saving 16% of your net monthly income — about kr 5,600 (≈ $586 USD)/month at the average income level. This covers emergency funds, retirement contributions, and investments.
Is Sweden expensive to live in?▾
Sweden has an average net household income of kr 35,000 (≈ $3,663 USD)/month. The biggest cost drivers are housing and savings & investments. Use the budget builder above to see a full breakdown and compare it with other countries.