Sweden offers a high standard of living with costs to match. However, with free healthcare, education, and strong social safety nets, your money goes further than the numbers suggest.
Monthly Expenses Breakdown (Malmö)
Housing
| Item | Traditional | Movinn |
|---|---|---|
| 1-bedroom apartment (city center) | 8,000–12,000 SEK | From 11,000 SEK (all-inclusive) |
| 1-bedroom apartment (outside center) | 6,000–9,000 SEK | From 9,000 SEK (all-inclusive) |
| Utilities (electricity, heating, water) | 1,000–2,000 SEK | Included ✓ |
| Internet | 300–400 SEK | Included ✓ |
Daily Living
| Item | Traditional | Movinn |
|---|---|---|
| Groceries | 3,000–4,500 SEK | 3,000–4,500 SEK |
| Public transport (monthly pass) | 650–850 SEK | 650–850 SEK |
| Dining out (per meal) | 100–200 SEK | 100–200 SEK |
| Coffee (café) | 40–55 SEK | 40–55 SEK |
Salaries & Taxes
The average salary in Sweden is approximately 38,000 SEK/month before tax. Municipal tax rates range from 29% to 35%, with a state tax of 20% on income above ~598,500 SEK/year. Benefits include 480 days of parental leave and generous unemployment insurance.
Student Budget
If you're a student, Sweden becomes much more affordable. Student housing ranges 3,500–6,000 SEK/month, and student discounts are available on transport, food, and entertainment through your student union.