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Sweden Practice material based on the topics of Sverige i fokus

Sverige i fokus · chapter 08

Work and personal finances

This chapter is about the labour market and personal finances. Sweden has no statutory minimum wage; pay and conditions are set in collective agreements between trade unions and employer organisations. Forms of employment, notice periods and the working environment are governed by law and agreement, and someone who loses their job may receive benefit from an unemployment insurance fund if they meet the conditions. The chapter also covers household money: budgeting, saving, loans, debt and how the income tax return works.

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Topics from: Sverige i fokus (UHR)

Chapter overview

Worth knowing

Facts from the chapter that come up often in the questions.

  1. 01 Saving in Accounts, Funds and Shares A savings account is the safest form
  2. 02 The Main Task of the Public Sector The main task is to provide welfare
  3. 03 Barnbidrag and flerbarnstillägg in practice Barnbidrag is a universal child benefit of 1,250 kr per child per month.
  4. 04 Conditions for Unemployment Benefit The right to benefit rests on an income condition
  5. 05 Opening a Swedish bank account as a newcomer A bank account is the hub for salary, BankID, Swish and bill payments.
  6. 06 The Unemployment Insurance Fund The a-kassa is an unemployment insurance
  7. 07 Credit, Credit Cards and Interest Credit without security is expensive
  8. 08 The Annual Leave Act At least twenty-five leave days a year

10 questions

Practice questions

  1. Question 1 of 10

    What is the difference between a fund and a single share?

    • The share is covered by the deposit guarantee
    • The fund can never fall in value
    • The fund spreads risk across many companies
    • The share is not taxed
    Explanation

    The fund spreads risk across many companies — A single share instead concentrates the risk in one company.

  2. Question 2 of 10

    How is Swedish welfare mainly financed?

    • Through advertising
    • Through lotteries
    • Through taxes
    • Through EU grants
    Explanation

    Through taxes — Taxes paid to municipalities, regions and the state carry almost the whole cost.

  3. Question 3 of 10

    How is barnbidrag (child benefit) received in Sweden?

    • It is paid automatically and is tax-free
    • Only via your employer
    • It is means-tested by income
    • You must apply each year
    Explanation

    It is paid automatically and is tax-free — Barnbidrag is universal and automatic — you do not apply, it is tax-free, and Försäkringskassan pays it monthly to age 16 for children resident and insured in Sweden.

  4. Question 4 of 10

    What is the highest income that can be used when Swedish unemployment benefit is calculated?

    • 34 000 kronor a month
    • 54 000 kronor a month
    • 24 000 kronor a month
    • 44 000 kronor a month
    Explanation

    34 000 kronor a month — Earnings above that ceiling do not raise the amount that is paid out.

  5. Question 5 of 10

    What three things are usually needed to open a Swedish bank account?

    • A personnummer, approved ID and proof of address
    • A driving licence, a visa and cash
    • A passport photo, a deposit and a referee
    • A car, a job and a phone
    Explanation

    A personnummer, approved ID and proof of address — The standard requirements are a personnummer, an approved identity document, and proof of address such as a tenancy contract or folkbokföringsbevis.

  6. Question 6 of 10

    How often is a claim made to a Swedish unemployment insurance fund under the 2025 act?

    • Once a year
    • Every month
    • Once at the start of unemployment
    • Every week
    Explanation

    Every month — Since 1 October 2025 you claim one calendar month at a time: for each month you send your fund a monthly statement of the hours you worked, the time you were unemployed and your income. It replaced the earlier claim cards (kassakort).

  7. Question 7 of 10

    Roughly what share of employees works in the public sector in Sweden?

    • About ten per cent
    • About thirty per cent
    • About fifty per cent
    • About seventy per cent
    Explanation

    About thirty per cent — Around a third of employees are publicly employed, and the rest work privately.

  8. Question 8 of 10

    How long is the withdrawal period under Sweden's Consumer Credit Act?

    • Three days
    • Fourteen days
    • Seven days
    • Thirty days
    Explanation

    Fourteen days — The lender must also assess your ability to repay before granting the credit.

  9. Question 9 of 10

    Under Sweden's Annual Leave Act, when does the leave year run?

    • From 1 January to 31 December
    • From 1 June to 31 May
    • From 1 September to 31 August
    • From 1 April to 31 March
    Explanation

    From 1 April to 31 March — Paid days are earned during the previous year, which shows in your first year in a new job.

  10. Question 10 of 10

    In Sweden, who do you pay municipal income tax to?

    • Your employer and its owners
    • The state and nobody else
    • The European Union budget
    • The municipality and the region
    Explanation

    The municipality and the region — The money funds schools, social care and healthcare where you live.

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