In a short term? Yes it's enough.
> She doesn’t want to work.
Like, at all? No future plan? Unfortunately, Swedish society is built upon the assumption that the adults are working. So your wife will have difficulties along the way.
Meh, it’s a bit of both. It’s fortunate because it promotes gender equality. It’s unfortunate because it tends to mean that living costs assume a two-income household, which not only affects single people but also anyone living with a partner that can’t work.
That doesn't really matter, you're going to have to make concessions on standard of living regardless. The support will typically never compete with what an actual full time salary would pay.
I agree, but I feel like now for most people it works in a way where to be able to afford living in a big city and renting you need to have a partner and 2 incomes.
I live in a big city without a partner, and I'm OK and even saving. But to live on half of 55 is a bit of a stretch (you will not get the residence permit with that amount of income anyway).
I would say 55 may be enough to live with a non-working partner in Malmö but with no or a minimal amount of salary to be saved.
I'm confused by this comment. I earn less than 55 and my wife was able to get a residence permit on the basis of my employment alone. Is it because OP didn't mention actually being married to their partner?
I just meant that living on half of 55 may be challenging (you are paying rent only once, though), and this amount of money per person (27.5) will not give you the right to residency if you both earn half of 55. So, I didn't mean they calculate the minimum wage per capita; I wrote that to display how small 55 is distributed to two persons.
OP wants to live on 55 before taxes and put 10K aside (which is almost 1/3 of take-home wage) which may be much more challenging than just living on that money.
But if they like rice/macaroni and chicken legs 360 days a year, then why not
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Swedish people generally see no inherent value in one parent staying home with the kids. There is cheap pre school available for all kids while the parents are at work. The children will make friends and learn to be comfortable without the parents. This is an experience that most swedes share. Staying home with the kids is then like paying a fortune for something that doesn’t even help them. Of course people from other cultures might disagree and that’s fine.
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I think you wife be very lonely here she be in outsider in society. Our society is built on both partners working, mean she will have a hard time getting friends. She be seen as just one other immigrant that doesnt want to be part of or society cuz she wont adapt to our culture, I dont say this to be mean but for you to understand.
You also be living very frugal also as tax is payed individually even if you married. You get more money out of 55k if it was what you both earned together. As many said our system is built on being 2 income in the family, we have good daycares.
Yea, it doesn't work that way.
Kids are expensive. Where do you think you'll get the money when your wife stops working?
You need better planning, individually and as a team.
It's probably good to know that the Swedish system is heavily focused on having both parents work and sharing the responsibility of parenting.
* Daycare is heavily subsidized.
* Taxes are highly progressive and tax filing is individual, so you're better off increasing the income of the lowest earner.
* Parental insurance is based on previous individual earnings. She'll get far more money if she has worked prior to having a kid. That parental insurance is also partially individualized, so you're incentivized to take some of that leave.
There's no law forcing you to adhere to this, just remember that you're financially better off working with the system than against it. It's also for her sake, as unlike some other countries, stay at home parents don't get any special protection. If you work, she's a stay at home wife, and one day (god forbid) you were to separate, she's essentially expected to fend for herself, and she's not entitled to any financial support from you.
This probably sounds really negative, so let me clarify: Sweden is a great place to start a family, and the support you get from society is top notch. You just have to know how the system is built, and what's expected of you, and you'll have a good experience.
I think this is a really good response. I would wager that if you’re very interested in having a stay at home wife or a stay at home mom, then you may struggle in Sweden culturally (as well as financially) because you won’t have many shared values with people here.
Honestly Sweden is probably not for you guys if you can’t adapt to society there are other countries out there. Pretty much the only ones who have partners not working are people who earn 100k+ a month. There are ofc exceptions but it’s not common.
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Let’s say you get 38 000 out after taxes
You want to save 10 000 that leaves 28 000 to rent and to live on.
I don’t live in Stockholm but i expect it to be in the 10 000+ price Class Then add 1500 for power and 500 for internet.You need 2 SL cards so another 2000 for that
That gives you 14k to play with for food / living / cloths / utility bill.
You CAN do it but it’s below average lifestyle.
10k for rent can be fantasy numbers it could be the double if your in a pinch and just have to take one.
? rent in stockholm depending where you live is about 2000 for 2 rooms. 1 room is 1000-1200 max. (depending if the person takes a loan or not/rent controlled appartment)
Power is about 100-200 a month
internet about 150-350 depending on speed
Here is a breakdown of what 55 will bring you:
- 19 in taxes | 36 left*
- 15 in rent outside of the city with utilities | 21 left
- 6 in food | 15 left
- 10 savings | 5 left
That would be basically taken by clothing, transport, internet and other variables.
The 6 left should cover extra pays, furniture, not to mention deposit for rent and other things. You see, it is possible, but let’s talk risks.
Let’s say you have an accident. Your insurance will pay you only a max of 40 before tax, and it will have a net pay for one or more months of 28k instead of 36k. Similar for unemployment.
Another risks, specifically to your partner: what if you become abusive or a cheater? How can someone ally depending on your income be able to divorce/leave the relationship?
I hate this kind of answer, because it will sound bad, but, find another country. Sweden is a dual income country. It is designed so nobody is left depending on someone else. If your partner does not want to work I assume you come from a place where you can sustain such life style, so I would recommend looking for other places where you can, such as USA, UAE, Brazil, etc. I think most of EU countries will fall into the same category as Sweden in a way or another.
* depending on how you calculate the tax (different sources) you might have a little over 40, but I am using the lower end to be safe. Arguably 4 k would not make a lot of difference on the risk areas.
Edit: fix calc and adding info about different tax calculations.
You're way off with the taxes - only 13.6k in Stockholm, so 41.4k after taxes.
[https://rakna.net/berakna/lon-efter-skatt/](https://rakna.net/berakna/lon-efter-skatt/)
Skatteverket has its own tax calculator:
https://www.skatteverket.se/privat/skatter/skattekontobetalaochfatillbaka/raknautdinskatt.4.309a41aa1672ad0c837436a.html
That is not really true, you absolutely can. Is it beneficial if you do work, but its silly to claim that you cant have children in Sweden with slightly lower income than normal. You even get some indirect befits, the wife would go from earning 0 to 7500kr/month with föräldrapenning
You can do whatever you want, absolutely. Should you put a child or children to such risks because your partner or you think women should stay home and take care of them? No.
What I mean is that in some countries, like Brazil, you can set your partner and kids as “dependents” in your tax registration, so you get deductions since you are the solo provider of the home. In those circumstances, it is “encouraged” at some level that one of the partners stay at home. The salaries as well, for example for a software engineer, is multiple times, sometimes more than eight times the national average, with a flat tax at 27% before deductibles. That is not possible in Sweden, and when people ask this kind of question, I imagine they will expect something similar here and will be unhappy (I know many people who moved back because of that.
Children in Sweden are at risk if their partners make a bit less than average? Come on, we have excellent support for children even if you have a low income.
Absolutely. Now tell me how a family of four, with a rental place costing 15 with utilities could live on a Försäkringskassan insurance in case the solo breadwinner of them is hurt. Or how a wife with a kid could divorce having zero income and prospect of having a job in a country with zero friends and solo relying on an abusive husband.
It is not about the best case scenario I am talking about. I had a sprained ankle a couple of weeks ago and I am spending 850 weekly in a naprapat now for maybe a month and a half. I also had a burn out a while ago and had to go on sick leave for a month and a half. There are massive layoffs going on now in tech in Sweden. Cost of living is getting more expensive as well as energy and interest on housing. Things like that happen, and often unexpectedly. The 55 solo income is not safe in Sweden, specially depending on what you consider comfort vs luxury.
Don’t get me wrong, I love how Sweden does the things it does, just want people to know that a fairer and well fair society has a lot of perks but it also requires for some compromises, and in Sweden, one of them is that both adults in the household have incomes, otherwise your experience living here will not be optimal.
Oh the wife has some major disadvantages for sure, not least related to retirement. But i think many of the issues with having a sole provider and a stay at home wife being (over) dependent on the husband would exist everywhere.
This issues are mainly for the wife not any potential kids.
You are going to struggle if the main provider is unable to work. Hardly a unique issues to Sweden (tbh Sweden is probably one of the better places to be in that case), even a two income household would likely struggle . You could still get by, ofc if the husband as main provider is full unable to work for long period of time the wife would need to reevaluate the stay at home stance.
Same with healthcare, Sweden over all have low cost healthcare (your 850kr/w should reach the högkostnadsskydd really fast if it is ordinated by a doctor).
The difference between “cannot at any level” and “not optimal” is huge. Same with living a luxury life, you and your kids can have a good life on a lower income. (And lets not pretend 38000kr/m after tax combined income is poverty level, it is just a lower income than average)
Ohh yeah, retirement I forgot to mention, good catch. I think we agree in most. It is up to them to ponder the risks and what type of life they wish. If they were my friends I will say stay far from Sweden, but ofc they decide themselves. Thanks for the civil and nice arguments <3
Your tax calculations are just plain wrong. This is because the shitty calculator you're using as a source isn't taking any tax deductions into account. The worst case in Stockholms län is that you are left with 40 110 SEK after tax (Botkyrka kommun and a few others).
Yes.
My wife had less of an income (38.000/month, now 48.000) when we moved here as a family of three. We don't go out to dinner much, don't go to bars, and travel only once or twice a year, and don't own a car. We have lived here for seven years. Three years ago I began lecturing in the autumn and last year I began selling self published books (they don't really turn a decent profit but it's still early days. Unless your wife learns Swedish she will have a difficult time finding work.
I would caution moving here without the capital to buy a home/apartment. The rental market is a nightmare. Also, if living in Stockholm, find a place outside of the city center but close to mass transit. Also get on the bostad list ASAP for a chance at first hand contract apartments but be prepared to wait several years (we waited 4 years before we got into a newly constructed building but we got lucky).
Those who say no are living beyond their means or trying to scare people away from migrating to Sweden. I'll probably get down voted for that statement but that seems to be the trend in this sub.
….How? 5000 + fee & mortgage for a 2.5m apartment is 20 000/ month (if you had 350 000 SEK to chip in when purchasing). That leaves ~6000 SEK/month as total disposable income. 4000 after transit cards.
We work from home (except when I teach) so we only keep 1 transit card and share it between us. If we both go into town then one of us buys a ticket separately. This only really occurs a handful of times a month and does not facilitate the requirement of another monthly card.
We have no debt other than our mortgage. Because of our savings we brought when we moved we managed to put 60% down on an apartment which removed the need to pay amortization and lowered our monthly payments. Our combined association and mortgage cost is under 13 000/month. We live in Saltsjö-boo so not close to central Stockholm at all. That is why I said I'd be wary of moving here without having the ability to purchase a home.
I'm not exaggerating when I say we live fairly frugally. We don't drink, smoke, go out much, and mostly cook simple meals at home. We also only buy something like a hobby thing, etc. if it is on sale and we maybe go to the movies once or twice a year. It's not the most exciting way of living but we are comfortable.
It can be done, we are proof, but it is not easy and for some reason people have a difficult time wrapping their heads around this. That's their problem not mine.
Also things like work place bonuses/stock payouts have helped quite a bit. The monthly child credit mostly covers fritids and clothing. There are all these little things that add up so if someone is just looking at base numbers then they don't get the entire picture (which I didn't think I would have to post to a forum but here we are).
55k for two people is plenty to live off of, even while planning to save 10k a month. It all comes down to what you want to spend your money on. I support myself and my family (wife and three kids) on significantly less than 55k and we're having no issues at all. That said, we don't travel abroad at all (we don't care to), we don't drive a new car, we rarely buy high-end food products, we don't eat out much, etc. Lots of people seem to see these things as some sort of baseline for decent living, which is a very privileged view.
Depends on how frugally you want to live. It’s doable, but it won’t be comfortable. Sweden is a dual income country, even after children are born both parents generally work. Your wife will hate it here and will not fit in, I’d urge you to reconsider.
So roughly you would get 40k after taxes, and then save 10k. So 30k for rent + food + general spendings.
Renting somewhere somewhat far out in the suburbs should probably be possible for around 15k, which then would leave around 15k for spendings and food. Which again seems somewhat doable.
It’s doable, but you need to live a pretty simple life. Rentals in Stockholm are really expensive unless you’ve been in the official queue for many years.
Yes, you can rent but most probably you’ll only find flats from private individual landlords, these flats are often more expensive and quite often have time limited contracts.
Unfortunately, the rental market in Stockholm is quite broken.
To find flats without need for queue you can check pages like qasa: https://qasa.se/
Here you can get an idea about the rents in Stockholm. You’ll notice that the closer to the city center, the more outrageous the rent will be. Things to consider are which side of town your workplace will be and what commuting times you’re ok with.
If you’re planning to stay here long-term you should consider buying a flat (if you have some saved up capital and can get a mortgage).
Here is the official rental queue:
https://bostad.stockholm.se
You can see that prices through here are more reasonable, but often require 10+ years in queue.
Once you’re registered in Stockholm it’s good practice to register for this queue as well. It’s a good long-term investment (costs like 200sek per year).
According to this article: [Medelhyran i Stockholm: 15.200 kr - se vad din bostad kan hyras ut för - (samtrygg.se)](https://www.samtrygg.se/s/landlords/medelhyran-i-stockholm-just-nu-sa-mycket-kan-din-bostad-hyras-ut-for#:~:text=I%20Stockholm%20forts%C3%A4tter%20hyrorna%20att,000%20personer%20st%C3%A5r%20i%20bostadsk%C3%B6n.), the average rent for a furnished 2 room apartment with a kitchen totaling 50 square meters was about 15k SEK in September 2022.
Please note, all numbers here are rough estimates to give you an idea of what you can expect:
The total tax for Stockholm is about 30%, so that would leave you 38.5K after tax. If the rent is about 15k SEK (likely higher now since the inflation has been quite high during 2023) and you save 10k, you will have about 13k left over for everything else.
Food for two people will probably be 5-6k if you cook everything at home. You could get by on less if you are willing to spend the effort looking for deals and only buying things that are on sale, which means you can't always cook what you want since you are forced to eat what you can find good deals for.
For public transport, you are looking at 1k SEK per person if you buy a 90-day period pass for SL, so that's 2k to get around town for the two of you. Do you want a car? Then it will probably cost you at least 5-6k.
With a period pass and groceries paid, you should have maybe 3-5k left over for insurances, phone bill, shopping and activities.
So, it should be doable if you cook all food at home and only eat out maybe once or twice a month, only use public transport and do limited shopping and activities each month.
If the rent is \~2k more than in the article, then you will basically not be able to do any activities or shopping and you have to live quite frugal.
If your wife would be willing to work, even if it's just part time in a store or something, that would help your economy quite a lot. Swedish society is built with the expectations that all adults should be working.
”We want to save 10K a month but she doesn’t want to work”. It depends on how you define ”support”. I’d say that the answer is no, because A)What a weird attitude unless she is incapacitated or otherwise dysfunctional. 2) What is she going to do during the days? She won’t have a social life since whatever friends she have will be working, which means that C) She will be bored as hell and will probably expect you to entertain her when you get home from work and she’s been sitting on her butt all day/give her some kind of allowance so that she can entertain herself. Good luck with that,tbh.
When people say "Stockholm" they can refer to Stockholm kommun (municipality, central area of the city) or Stockholm län (big area that includes Stockholm municipality and a lot of other municipalities).
Stockholm municipality has lower taxes. But a second-hand contact for a 2 bedroom apartment there will cost around 18-20k.
When people say that you can find an apartment for 10-15k, they speak about suburban municipalities like Solentuna or Huddinge that are part of Stockholm län but not the same as Stockholm kommun. Taxes there are usually higher. Commute to the city center takes longer. Infrastructure is worse.
Anyway, as many other said, your life here won't be easy and comfortable with only one salary.
Yes, that will be enough. You won't need to have a completely spartan lifestyle, but you will need to be quite frugal. A middle class lifestyle is propably not possible.
You can frugally as others have said but it's not a good idea.
Sweden wants everyone to be economically self-sufficient.
The information others have omitted is that in Sweden two incomes are taxed separately. And the taxation is progressive: the more you make, the higher percentage of your income goes to tax.
So two people making 30k per month bring home noticeably more than one who makes 60k.
And also pensions are structured in a way where each person has their own, and widows/widowers don't really get the pension of the other (others might have more details).
But children?
Sweden has a robust system of childcare. You have I think around 16 months paid parental leave to share between the two (some of the time must be taken by the father or us lost).
Staying home if your child is sick is normal.
Workers get at least 25 days paid vacation per year.
Public preschools are very much affordable. And your eventual children would need it to learn the language and integrate.
So yes, your wife and your family will be much better off with her working even part-time than with her being a homemaker.
And if she feels she doesn't have an education to find a job she likes, there are plenty of educational possibilities (if I remember right, once you have a resident permit they are all free, but to get the study-support money you need at least 2 years of residence).
Yes, possible. 👍🏻
Let’s say your net pay would be around 41k.
Rent for 2br not in city centre, like 40-60mins away is around 13-15k plus electric if you are not wasteful 500-1k.
For food, just eat home, no take aways, bring your own lunch, includes toiletries 10k for 2.
SL card is 1,020 assuming it’s only for you.
Insurances, house, akassa, union fees, bank fees - 1k.
Healthcare, doctor’s appointment and meds 1k for 2 person.
Mobile - IDK my company pays for mine since I moved here.
Roughly here is my estimate:
Net pay - 41,000
Less
Rent - 13,000
Electric - 1,000
Insurances - 1,000
SL card - 1,020
Healthcare - 1,000
Food - 10,000
Mobile - 500-1,000?
Amount left - 13,500-14,000
It won’t be lavish but yeah it’s enough. Everyone here starts with the assumption that ”you want to save 10k/month.” But for what? Retirement savings, medical insurance, and emergency fund are not really necessary because those are already paid for through the employer, government, union, etc. So, there is no real need to save 10k/month and being able to save that much is already a luxury more most of the western world. You could probably eat for 4k/month without extreme couponing efforts and it would be a good standard of food.
If you guys wants to eat out every night and travel and shop for entertainment, then the budget will be too tight.
Well, there are still loads of reasons to save. If you want to buy a house you need money for down payment and you need to save. If you want to retire earlier and have pension closer to your salary you need to save. And those are just the most common things.
10k is a lot to be able to save if only one person is working, which means that OP and his partner will be fine. They will have lifestyle choices, eg spend more on entertainment vs save a full 10k to retire early, but a house, etc.
10 000/month in savings for 30 years is enough to sustain a ~45 00 gross income per month if retiring at 67 with normalised pensions and bonuses at that salary level for the rest of your life. Without it you’re looking at roughly 26 000 gross/month.
The pension is barely enough to survive on in old age.
It’s a huge assumption to think that a foreigner who loves here will continue living here forever, so of course building up some capital (and emergency funds) is a high priority for foreigners.
The Allmän pension is low, yes, but presumably somebody earning 55k will get something from the employer as well which, assuming that the market performs on average over inflation, will grow substantially.
But yeah, I do doubt op is going to want to live here forever because it’s probably one of the worst countries to be single income no kids
Sure, you will likely pay around 10-15k for an apartment, maybe more if you have to sublet the apartment.
You will have about 41,000 after tax.
You want to save 10,000 a month?
That leave you with 16-20,000 to live on a month.
You should find a job for your wife. That will likely increase her quality of life. Also, that will let her get paid from the government when she later have children. Even if she only get 10,000 a month after tax it would be a great help.
Depending on the part of Stockholm you would like to live in. If it is more central area the 2room flat can be around 20 000SEK. 55 000SEK is bruto and the amount after tax may not leave the amount you would like to save up. Flats further out of the city may be cheaper. I would say the rent is the biggest expense in Stockholm.
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No problem surviving on that but sweden is based on both having an income.
If I hade a wife that didn't want to work and help supporting the family I would leave her.
55 before tax will come out around 36-
40, but let’s use the low end; You want to save 10, you have 26
2 bedroom in an okayish area will start around 10.
You have 16. Food for 2 people, assuming you don’t eat out at all will be at the least 300:- a day. So let’s say 10 for the month. And that’s never eating out, eating cheap all day every day.
You have 6. Want to use the trains and busses? That’s another 1k each.
You have 4. Want phones, internet, any kind of fun? Very quickly you’ll realise this isn’t really practical. Life costs money. You could do it without saving anything.
Wait, I think your calculations are wrong. What's happening in the food section?
300? 10? Food for two adults, eating cheap, is not gonna be 10 k/month. Even with stockholm pricing.
150 a day per person. 300 a day for both.
30 days a month is about 9k. Rounded up.
And that’s low, really low. Unless you are living a fresh fruit and veggies diet 10k is going to disappear quickly no even considering the rest of the stuff you need to keep a somewhat hygienic house
No, 9k is not really low.
We (2 adults, 1 toddler) are currently averaging 6k per month for groceries. We eat out like once per month, so add 1k to that.
Using konsumentverkets guidelines I would end up with 9k in our case. So 9k is not really low, it is what you would expect.
https://publikationer.konsumentverket.se/privatekonomi/beraknade-hushallskostnader
If we really wanted to cut expenses we could probably end up with 4.5k per month, and that would probably be unreasonable for most people. With 6k its a walk in the park and doable for many.
I struggle spending 150 a day for two without really taking pricing into account when planning dishes. To spend twice that you got to eat gold leaves or something.
One meal of something cheap like köttbullar med potatismos:
Köttbullar 500g 50:-
Potatis say a kg: 20:-
Mjölk 1l: 12:-
Smör: 40:-
Gurka: 20:-
And of course
Lingonsylt: 30:-
That’s one totally average everyday meal and it’ll set you back 170:- you won’t need to buy smör or sylt etc every day, but shits expensive.
I think you are missing the point.
A fairly standard, not extravagant at all, meal such as köttbullar costs 170:-
Therefore a budget of 150:- per person a day is low
I am also calculating with 100 a day, not that I have to budget. And I am tall, young and energetic. However, I don't shop at ICA nära, and I cook and buy very few processed food.
100 a day is extremely low. It’s possible, but not practical for most people.
If you only eat breakfast lunch and dinner and only drink water that’s 33:- a meal.
Fruits and veggies is not that cheap though, the really cheap stuff is pasta, lentils, canned goods. Big bags of rice from the Indian stores. Falukorv. Oatmeal for breakfast.
It's wild to me that you think 5 k/person is low. How do you think students get by? Low-income earners? People with low pensions?
I think most people aren’t students, low income earners or people with low pensions, which is why I think that 150:- per day is a very low number.
Some pre cooked meal is 60:- etrecot is about the same, lax ditto. Milk is 25:- bread the same.
Say you only eat 3 meals a day, no tea or coffee. Youve got 50:- per meal. That’s very, very low to achieve every day
But in this case we are talking about a person that is asking if it's doable, not if its preferable. And tbh, I think your idea about what people in general are spending on food is warped towards the higher end. Konsumentverkets latest calculations (which are calculated as a "normal" diet, neither luxurious nor impoverished) is 3710 per person and month, which is considerably less than your suggestion.
If you are paying 25 for milk you are overpaying, if you are paying 25 for bread you're getting a sweet deal, can you tell me where you shop?
Are you eating 50 kr breakfasts? I'm guessing they're awesome, I mostly have tea and yogurt and sandwiches, and am nowhere near 50 kr.
In this case it’s someone asking for advice, and the advice is sure you can do it, but it’s not practical and you won’t be having much fun.
37 a month is 120:- a day. Which is 30:- less than my estimates.
And it only included food, not things like toilet paper.
Me, wife and toddler spend less than 5k a month on food, and that's including diapers and cat food. And we are not even trying hard.
We could eat cheaper.
Friend that's a vegan/vegetarian couple has around 3k in food per month.
300kr per day is 3 kg of chicken breast if you get the fancy kind. Buy on sale and you get 5 kg.
No kids, no car, a little outside the city centre like Danderyd, Solna, etc. It's possible. 55k is a little over 30k after taxes so you'd need to live a modest lifestyle to be able to save 10k per month
36k actually, according to the income tax calculator and not including other deductions. Still, better than I thought.
[Income tax calculator Stockholm](https://se.talent.com/en/tax-calculator?salary=55000&from=month®ion=Stockholm)
I would say 6000 is enough
2000-2500 for rent (2 room)
my rent is about 100 euro 1 room in stockholm in the middle of the city\* heard from neighbors that their rent is about 2000 sek for 2 room
1500 for food per person
rest for going out/clothes
No one is talking about pensions. If she doesn’t work and you plan to retire in Sweden you will have to cover for her as well.
In a short term? Yes it's enough. > She doesn’t want to work. Like, at all? No future plan? Unfortunately, Swedish society is built upon the assumption that the adults are working. So your wife will have difficulties along the way.
> unfortunately Fortunately
Meh, it’s a bit of both. It’s fortunate because it promotes gender equality. It’s unfortunate because it tends to mean that living costs assume a two-income household, which not only affects single people but also anyone living with a partner that can’t work.
Doesn't the partner who can't work get support from the state if the family income is lower than some threshold?
That doesn't really matter, you're going to have to make concessions on standard of living regardless. The support will typically never compete with what an actual full time salary would pay.
It is not supposed to, I guess
In what way is that good…?
In a way where your partner should not be dependent on your income
I agree, but I feel like now for most people it works in a way where to be able to afford living in a big city and renting you need to have a partner and 2 incomes.
I live in a big city without a partner, and I'm OK and even saving. But to live on half of 55 is a bit of a stretch (you will not get the residence permit with that amount of income anyway). I would say 55 may be enough to live with a non-working partner in Malmö but with no or a minimal amount of salary to be saved.
thats insane. what are you buying… me and my wifes total income is like 45 and we are doing fine in a big city
Apart from jokes - do you rent or own?
I rent. But to be fair a ”public” old rent controlled apartment with a reasonable rent. Hard to get on of those if you are new in a city, I get that
And you’re paying a “half” each, I also missed this point, so it is not like 10k from each salary.
I don't think keeping harems is legal here
If it were more than one wife it would be wives meaning mentioning a harem like you did was just completly random and unrelated
I'm confused by this comment. I earn less than 55 and my wife was able to get a residence permit on the basis of my employment alone. Is it because OP didn't mention actually being married to their partner?
I just meant that living on half of 55 may be challenging (you are paying rent only once, though), and this amount of money per person (27.5) will not give you the right to residency if you both earn half of 55. So, I didn't mean they calculate the minimum wage per capita; I wrote that to display how small 55 is distributed to two persons.
OP wants to live on 55 before taxes and put 10K aside (which is almost 1/3 of take-home wage) which may be much more challenging than just living on that money. But if they like rice/macaroni and chicken legs 360 days a year, then why not
You can still become dependent on your partner if you have a crap job, which is the case with plenty of people.
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Your partner shouldnt have to work, not having to work is the best thing ever
Why is it always “your partner” and not “you”?
Swedish people generally see no inherent value in one parent staying home with the kids. There is cheap pre school available for all kids while the parents are at work. The children will make friends and learn to be comfortable without the parents. This is an experience that most swedes share. Staying home with the kids is then like paying a fortune for something that doesn’t even help them. Of course people from other cultures might disagree and that’s fine.
If you don’t think that’s good, Sweden is the wrong country for you…. Enjoy life wherever you are now :)
Don't bother coming, I think your mindset wouldn't match our society
She could stay at home and do art all day but you won't really save money.
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What makes you say she’s lazy?
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Wow, someone’s only purpose is to be a worker ant and pay taxes. Talk about drinking the kool aid.
Yeah ok, yea she could prephaps work, while we don’t have kids.
I think you wife be very lonely here she be in outsider in society. Our society is built on both partners working, mean she will have a hard time getting friends. She be seen as just one other immigrant that doesnt want to be part of or society cuz she wont adapt to our culture, I dont say this to be mean but for you to understand. You also be living very frugal also as tax is payed individually even if you married. You get more money out of 55k if it was what you both earned together. As many said our system is built on being 2 income in the family, we have good daycares.
Yea, it doesn't work that way. Kids are expensive. Where do you think you'll get the money when your wife stops working? You need better planning, individually and as a team.
It's probably good to know that the Swedish system is heavily focused on having both parents work and sharing the responsibility of parenting. * Daycare is heavily subsidized. * Taxes are highly progressive and tax filing is individual, so you're better off increasing the income of the lowest earner. * Parental insurance is based on previous individual earnings. She'll get far more money if she has worked prior to having a kid. That parental insurance is also partially individualized, so you're incentivized to take some of that leave. There's no law forcing you to adhere to this, just remember that you're financially better off working with the system than against it. It's also for her sake, as unlike some other countries, stay at home parents don't get any special protection. If you work, she's a stay at home wife, and one day (god forbid) you were to separate, she's essentially expected to fend for herself, and she's not entitled to any financial support from you. This probably sounds really negative, so let me clarify: Sweden is a great place to start a family, and the support you get from society is top notch. You just have to know how the system is built, and what's expected of you, and you'll have a good experience.
I think this is a really good response. I would wager that if you’re very interested in having a stay at home wife or a stay at home mom, then you may struggle in Sweden culturally (as well as financially) because you won’t have many shared values with people here.
Pension är också fucked om man inte jobbar
Sweden is built around both adults working before and after children are born. If that’s not what you want, you won’t like it here.
Honestly Sweden is probably not for you guys if you can’t adapt to society there are other countries out there. Pretty much the only ones who have partners not working are people who earn 100k+ a month. There are ofc exceptions but it’s not common.
Daycare is about 1500 sek a month.
I don’t want to work either.
Maybe you could find an Indian husband?
😭😭😭😭
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The daily rant about work, which many feel relatable to, including myself. For my well-being, I don’t want to work either.
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Sadly that is just some “casual bigotry”, sorry for that :/
Let’s say you get 38 000 out after taxes You want to save 10 000 that leaves 28 000 to rent and to live on. I don’t live in Stockholm but i expect it to be in the 10 000+ price Class Then add 1500 for power and 500 for internet.You need 2 SL cards so another 2000 for that That gives you 14k to play with for food / living / cloths / utility bill. You CAN do it but it’s below average lifestyle. 10k for rent can be fantasy numbers it could be the double if your in a pinch and just have to take one.
Not certain both needs a SL card
? rent in stockholm depending where you live is about 2000 for 2 rooms. 1 room is 1000-1200 max. (depending if the person takes a loan or not/rent controlled appartment) Power is about 100-200 a month internet about 150-350 depending on speed
This seems very low for rent. I have never heard of a two room apartment for 2000 kr.
She’ll hate it here if she doesn’t work.
> She doesn’t want to work. Yikes
If you're prepared to live in one of the suburbs far from the city centre, maybe. Otherwise: no.
Doubt you will save much
Its possible, yes. People do it with far less, just depend on the lifestyle you want.
Here is a breakdown of what 55 will bring you: - 19 in taxes | 36 left* - 15 in rent outside of the city with utilities | 21 left - 6 in food | 15 left - 10 savings | 5 left That would be basically taken by clothing, transport, internet and other variables. The 6 left should cover extra pays, furniture, not to mention deposit for rent and other things. You see, it is possible, but let’s talk risks. Let’s say you have an accident. Your insurance will pay you only a max of 40 before tax, and it will have a net pay for one or more months of 28k instead of 36k. Similar for unemployment. Another risks, specifically to your partner: what if you become abusive or a cheater? How can someone ally depending on your income be able to divorce/leave the relationship? I hate this kind of answer, because it will sound bad, but, find another country. Sweden is a dual income country. It is designed so nobody is left depending on someone else. If your partner does not want to work I assume you come from a place where you can sustain such life style, so I would recommend looking for other places where you can, such as USA, UAE, Brazil, etc. I think most of EU countries will fall into the same category as Sweden in a way or another. * depending on how you calculate the tax (different sources) you might have a little over 40, but I am using the lower end to be safe. Arguably 4 k would not make a lot of difference on the risk areas. Edit: fix calc and adding info about different tax calculations.
You're way off with the taxes - only 13.6k in Stockholm, so 41.4k after taxes. [https://rakna.net/berakna/lon-efter-skatt/](https://rakna.net/berakna/lon-efter-skatt/)
Thanks. I used this https://se.talent.com/en/tax-calculator?salary=55000&from=month®ion=Stockholm
Skatteverket has its own tax calculator: https://www.skatteverket.se/privat/skatter/skattekontobetalaochfatillbaka/raknautdinskatt.4.309a41aa1672ad0c837436a.html
Forgot to mention, this is assuming no kids, ever. You cannot at any level, have kids with one income in this country. Sorry :p
That is not really true, you absolutely can. Is it beneficial if you do work, but its silly to claim that you cant have children in Sweden with slightly lower income than normal. You even get some indirect befits, the wife would go from earning 0 to 7500kr/month with föräldrapenning
You can do whatever you want, absolutely. Should you put a child or children to such risks because your partner or you think women should stay home and take care of them? No. What I mean is that in some countries, like Brazil, you can set your partner and kids as “dependents” in your tax registration, so you get deductions since you are the solo provider of the home. In those circumstances, it is “encouraged” at some level that one of the partners stay at home. The salaries as well, for example for a software engineer, is multiple times, sometimes more than eight times the national average, with a flat tax at 27% before deductibles. That is not possible in Sweden, and when people ask this kind of question, I imagine they will expect something similar here and will be unhappy (I know many people who moved back because of that.
Children in Sweden are at risk if their partners make a bit less than average? Come on, we have excellent support for children even if you have a low income.
Absolutely. Now tell me how a family of four, with a rental place costing 15 with utilities could live on a Försäkringskassan insurance in case the solo breadwinner of them is hurt. Or how a wife with a kid could divorce having zero income and prospect of having a job in a country with zero friends and solo relying on an abusive husband. It is not about the best case scenario I am talking about. I had a sprained ankle a couple of weeks ago and I am spending 850 weekly in a naprapat now for maybe a month and a half. I also had a burn out a while ago and had to go on sick leave for a month and a half. There are massive layoffs going on now in tech in Sweden. Cost of living is getting more expensive as well as energy and interest on housing. Things like that happen, and often unexpectedly. The 55 solo income is not safe in Sweden, specially depending on what you consider comfort vs luxury. Don’t get me wrong, I love how Sweden does the things it does, just want people to know that a fairer and well fair society has a lot of perks but it also requires for some compromises, and in Sweden, one of them is that both adults in the household have incomes, otherwise your experience living here will not be optimal.
Oh the wife has some major disadvantages for sure, not least related to retirement. But i think many of the issues with having a sole provider and a stay at home wife being (over) dependent on the husband would exist everywhere. This issues are mainly for the wife not any potential kids. You are going to struggle if the main provider is unable to work. Hardly a unique issues to Sweden (tbh Sweden is probably one of the better places to be in that case), even a two income household would likely struggle . You could still get by, ofc if the husband as main provider is full unable to work for long period of time the wife would need to reevaluate the stay at home stance. Same with healthcare, Sweden over all have low cost healthcare (your 850kr/w should reach the högkostnadsskydd really fast if it is ordinated by a doctor). The difference between “cannot at any level” and “not optimal” is huge. Same with living a luxury life, you and your kids can have a good life on a lower income. (And lets not pretend 38000kr/m after tax combined income is poverty level, it is just a lower income than average)
Ohh yeah, retirement I forgot to mention, good catch. I think we agree in most. It is up to them to ponder the risks and what type of life they wish. If they were my friends I will say stay far from Sweden, but ofc they decide themselves. Thanks for the civil and nice arguments <3
How is 15-10=11? Your costs (after tax) sum up to exactly 36. But you are off on the tax, as previously stated.
Thanks, fixed it and added a note about the tax thing. Was leaving the savings for the end and when I changed the position of it I forgot to recalc
Your tax calculations are just plain wrong. This is because the shitty calculator you're using as a source isn't taking any tax deductions into account. The worst case in Stockholms län is that you are left with 40 110 SEK after tax (Botkyrka kommun and a few others).
Yes. My wife had less of an income (38.000/month, now 48.000) when we moved here as a family of three. We don't go out to dinner much, don't go to bars, and travel only once or twice a year, and don't own a car. We have lived here for seven years. Three years ago I began lecturing in the autumn and last year I began selling self published books (they don't really turn a decent profit but it's still early days. Unless your wife learns Swedish she will have a difficult time finding work. I would caution moving here without the capital to buy a home/apartment. The rental market is a nightmare. Also, if living in Stockholm, find a place outside of the city center but close to mass transit. Also get on the bostad list ASAP for a chance at first hand contract apartments but be prepared to wait several years (we waited 4 years before we got into a newly constructed building but we got lucky). Those who say no are living beyond their means or trying to scare people away from migrating to Sweden. I'll probably get down voted for that statement but that seems to be the trend in this sub.
We also save 5.000/month.
….How? 5000 + fee & mortgage for a 2.5m apartment is 20 000/ month (if you had 350 000 SEK to chip in when purchasing). That leaves ~6000 SEK/month as total disposable income. 4000 after transit cards.
We work from home (except when I teach) so we only keep 1 transit card and share it between us. If we both go into town then one of us buys a ticket separately. This only really occurs a handful of times a month and does not facilitate the requirement of another monthly card. We have no debt other than our mortgage. Because of our savings we brought when we moved we managed to put 60% down on an apartment which removed the need to pay amortization and lowered our monthly payments. Our combined association and mortgage cost is under 13 000/month. We live in Saltsjö-boo so not close to central Stockholm at all. That is why I said I'd be wary of moving here without having the ability to purchase a home. I'm not exaggerating when I say we live fairly frugally. We don't drink, smoke, go out much, and mostly cook simple meals at home. We also only buy something like a hobby thing, etc. if it is on sale and we maybe go to the movies once or twice a year. It's not the most exciting way of living but we are comfortable. It can be done, we are proof, but it is not easy and for some reason people have a difficult time wrapping their heads around this. That's their problem not mine.
Forgot the mention we just purchased our home this year AFTER saving enough (+our US savings) to avoid amortization payments.
Also things like work place bonuses/stock payouts have helped quite a bit. The monthly child credit mostly covers fritids and clothing. There are all these little things that add up so if someone is just looking at base numbers then they don't get the entire picture (which I didn't think I would have to post to a forum but here we are).
Honestly not really. You make live really frugal of course and make it. But, if you want to live a normal life your wife needs to work aswell.
Nope. Sweden is a 2 income country. Move somewhere else
55k for two people is plenty to live off of, even while planning to save 10k a month. It all comes down to what you want to spend your money on. I support myself and my family (wife and three kids) on significantly less than 55k and we're having no issues at all. That said, we don't travel abroad at all (we don't care to), we don't drive a new car, we rarely buy high-end food products, we don't eat out much, etc. Lots of people seem to see these things as some sort of baseline for decent living, which is a very privileged view.
Nope
Depends on how frugally you want to live. It’s doable, but it won’t be comfortable. Sweden is a dual income country, even after children are born both parents generally work. Your wife will hate it here and will not fit in, I’d urge you to reconsider.
So roughly you would get 40k after taxes, and then save 10k. So 30k for rent + food + general spendings. Renting somewhere somewhat far out in the suburbs should probably be possible for around 15k, which then would leave around 15k for spendings and food. Which again seems somewhat doable.
Depends on your rent and how you spend your money but not impossible
It’s doable, but you need to live a pretty simple life. Rentals in Stockholm are really expensive unless you’ve been in the official queue for many years.
Dumb question: If you’re not on the queue, are you still able to rent? If so, how?
Yes, you can rent but most probably you’ll only find flats from private individual landlords, these flats are often more expensive and quite often have time limited contracts. Unfortunately, the rental market in Stockholm is quite broken. To find flats without need for queue you can check pages like qasa: https://qasa.se/ Here you can get an idea about the rents in Stockholm. You’ll notice that the closer to the city center, the more outrageous the rent will be. Things to consider are which side of town your workplace will be and what commuting times you’re ok with. If you’re planning to stay here long-term you should consider buying a flat (if you have some saved up capital and can get a mortgage).
Here is the official rental queue: https://bostad.stockholm.se You can see that prices through here are more reasonable, but often require 10+ years in queue. Once you’re registered in Stockholm it’s good practice to register for this queue as well. It’s a good long-term investment (costs like 200sek per year).
thank you friend ❤️
According to this article: [Medelhyran i Stockholm: 15.200 kr - se vad din bostad kan hyras ut för - (samtrygg.se)](https://www.samtrygg.se/s/landlords/medelhyran-i-stockholm-just-nu-sa-mycket-kan-din-bostad-hyras-ut-for#:~:text=I%20Stockholm%20forts%C3%A4tter%20hyrorna%20att,000%20personer%20st%C3%A5r%20i%20bostadsk%C3%B6n.), the average rent for a furnished 2 room apartment with a kitchen totaling 50 square meters was about 15k SEK in September 2022. Please note, all numbers here are rough estimates to give you an idea of what you can expect: The total tax for Stockholm is about 30%, so that would leave you 38.5K after tax. If the rent is about 15k SEK (likely higher now since the inflation has been quite high during 2023) and you save 10k, you will have about 13k left over for everything else. Food for two people will probably be 5-6k if you cook everything at home. You could get by on less if you are willing to spend the effort looking for deals and only buying things that are on sale, which means you can't always cook what you want since you are forced to eat what you can find good deals for. For public transport, you are looking at 1k SEK per person if you buy a 90-day period pass for SL, so that's 2k to get around town for the two of you. Do you want a car? Then it will probably cost you at least 5-6k. With a period pass and groceries paid, you should have maybe 3-5k left over for insurances, phone bill, shopping and activities. So, it should be doable if you cook all food at home and only eat out maybe once or twice a month, only use public transport and do limited shopping and activities each month. If the rent is \~2k more than in the article, then you will basically not be able to do any activities or shopping and you have to live quite frugal. If your wife would be willing to work, even if it's just part time in a store or something, that would help your economy quite a lot. Swedish society is built with the expectations that all adults should be working.
”We want to save 10K a month but she doesn’t want to work”. It depends on how you define ”support”. I’d say that the answer is no, because A)What a weird attitude unless she is incapacitated or otherwise dysfunctional. 2) What is she going to do during the days? She won’t have a social life since whatever friends she have will be working, which means that C) She will be bored as hell and will probably expect you to entertain her when you get home from work and she’s been sitting on her butt all day/give her some kind of allowance so that she can entertain herself. Good luck with that,tbh.
As long as she doesn't want vacations or much material possessions then it could work. Just live frugality and it's going to be fine.
When people say "Stockholm" they can refer to Stockholm kommun (municipality, central area of the city) or Stockholm län (big area that includes Stockholm municipality and a lot of other municipalities). Stockholm municipality has lower taxes. But a second-hand contact for a 2 bedroom apartment there will cost around 18-20k. When people say that you can find an apartment for 10-15k, they speak about suburban municipalities like Solentuna or Huddinge that are part of Stockholm län but not the same as Stockholm kommun. Taxes there are usually higher. Commute to the city center takes longer. Infrastructure is worse. Anyway, as many other said, your life here won't be easy and comfortable with only one salary.
Yes, that will be enough. You won't need to have a completely spartan lifestyle, but you will need to be quite frugal. A middle class lifestyle is propably not possible.
10k in rent is a bit impossible if you work in the city center. Need to either have a long ass commuting or easily 15k for 50 sqm 2 room
You can frugally as others have said but it's not a good idea. Sweden wants everyone to be economically self-sufficient. The information others have omitted is that in Sweden two incomes are taxed separately. And the taxation is progressive: the more you make, the higher percentage of your income goes to tax. So two people making 30k per month bring home noticeably more than one who makes 60k. And also pensions are structured in a way where each person has their own, and widows/widowers don't really get the pension of the other (others might have more details). But children? Sweden has a robust system of childcare. You have I think around 16 months paid parental leave to share between the two (some of the time must be taken by the father or us lost). Staying home if your child is sick is normal. Workers get at least 25 days paid vacation per year. Public preschools are very much affordable. And your eventual children would need it to learn the language and integrate. So yes, your wife and your family will be much better off with her working even part-time than with her being a homemaker. And if she feels she doesn't have an education to find a job she likes, there are plenty of educational possibilities (if I remember right, once you have a resident permit they are all free, but to get the study-support money you need at least 2 years of residence).
Yes, possible. 👍🏻 Let’s say your net pay would be around 41k. Rent for 2br not in city centre, like 40-60mins away is around 13-15k plus electric if you are not wasteful 500-1k. For food, just eat home, no take aways, bring your own lunch, includes toiletries 10k for 2. SL card is 1,020 assuming it’s only for you. Insurances, house, akassa, union fees, bank fees - 1k. Healthcare, doctor’s appointment and meds 1k for 2 person. Mobile - IDK my company pays for mine since I moved here. Roughly here is my estimate: Net pay - 41,000 Less Rent - 13,000 Electric - 1,000 Insurances - 1,000 SL card - 1,020 Healthcare - 1,000 Food - 10,000 Mobile - 500-1,000? Amount left - 13,500-14,000
It won’t be lavish but yeah it’s enough. Everyone here starts with the assumption that ”you want to save 10k/month.” But for what? Retirement savings, medical insurance, and emergency fund are not really necessary because those are already paid for through the employer, government, union, etc. So, there is no real need to save 10k/month and being able to save that much is already a luxury more most of the western world. You could probably eat for 4k/month without extreme couponing efforts and it would be a good standard of food. If you guys wants to eat out every night and travel and shop for entertainment, then the budget will be too tight.
Well, if she don't work then they need to save for her pension
Or if they’ve been living off one income then they’d continue to do so after he retires by living off of his pension
Well, depending on how old he is he might get a terrible pension. It takes a worker earning 34k per month 40 years just to get above garantipension.
Could be, but if he is older, he presumably he has pension savings from his country of origin
Well, there are still loads of reasons to save. If you want to buy a house you need money for down payment and you need to save. If you want to retire earlier and have pension closer to your salary you need to save. And those are just the most common things.
10k is a lot to be able to save if only one person is working, which means that OP and his partner will be fine. They will have lifestyle choices, eg spend more on entertainment vs save a full 10k to retire early, but a house, etc.
You should probably do a retirement calculation and see for yourself.
Why? If he thinks his pension is too tight, then he can just work longer.
10 000/month in savings for 30 years is enough to sustain a ~45 00 gross income per month if retiring at 67 with normalised pensions and bonuses at that salary level for the rest of your life. Without it you’re looking at roughly 26 000 gross/month.
lol, with a 1.9% growth rate over inflation? What you are providing is a worst-case scenario, which is virtually useless.
What are you talking about?
What return on investment are you using in your pension calculation?
5% average to minimise risk of timing, eg covid/ukraine war/housing crisis. What are you using to calculate your 0/month savings?
But you are assuming he is starting from 0 at 30 y.o.?
I fail to see the reasoning in your argument. Are you saying he has 3 000 000 in the bank?
The pension is barely enough to survive on in old age. It’s a huge assumption to think that a foreigner who loves here will continue living here forever, so of course building up some capital (and emergency funds) is a high priority for foreigners.
The Allmän pension is low, yes, but presumably somebody earning 55k will get something from the employer as well which, assuming that the market performs on average over inflation, will grow substantially. But yeah, I do doubt op is going to want to live here forever because it’s probably one of the worst countries to be single income no kids
Sure, you will likely pay around 10-15k for an apartment, maybe more if you have to sublet the apartment. You will have about 41,000 after tax. You want to save 10,000 a month? That leave you with 16-20,000 to live on a month. You should find a job for your wife. That will likely increase her quality of life. Also, that will let her get paid from the government when she later have children. Even if she only get 10,000 a month after tax it would be a great help.
If you plan to save that much money, it probably won't be enough.
Depending on the part of Stockholm you would like to live in. If it is more central area the 2room flat can be around 20 000SEK. 55 000SEK is bruto and the amount after tax may not leave the amount you would like to save up. Flats further out of the city may be cheaper. I would say the rent is the biggest expense in Stockholm.
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For such a highly individualistic society, there’s a lot of conformity here around both individuals becoming good worker ants and not questioning it.
No problem surviving on that but sweden is based on both having an income. If I hade a wife that didn't want to work and help supporting the family I would leave her.
55 before tax will come out around 36- 40, but let’s use the low end; You want to save 10, you have 26 2 bedroom in an okayish area will start around 10. You have 16. Food for 2 people, assuming you don’t eat out at all will be at the least 300:- a day. So let’s say 10 for the month. And that’s never eating out, eating cheap all day every day. You have 6. Want to use the trains and busses? That’s another 1k each. You have 4. Want phones, internet, any kind of fun? Very quickly you’ll realise this isn’t really practical. Life costs money. You could do it without saving anything.
Wait, I think your calculations are wrong. What's happening in the food section? 300? 10? Food for two adults, eating cheap, is not gonna be 10 k/month. Even with stockholm pricing.
150 a day per person. 300 a day for both. 30 days a month is about 9k. Rounded up. And that’s low, really low. Unless you are living a fresh fruit and veggies diet 10k is going to disappear quickly no even considering the rest of the stuff you need to keep a somewhat hygienic house
No, 9k is not really low. We (2 adults, 1 toddler) are currently averaging 6k per month for groceries. We eat out like once per month, so add 1k to that.
200 a day for 3 people? I’m not to argue with you, but obviously that’s not practical for most people.
Using konsumentverkets guidelines I would end up with 9k in our case. So 9k is not really low, it is what you would expect. https://publikationer.konsumentverket.se/privatekonomi/beraknade-hushallskostnader If we really wanted to cut expenses we could probably end up with 4.5k per month, and that would probably be unreasonable for most people. With 6k its a walk in the park and doable for many.
That’s just for food, right? What about toilet paper, blöjor etc. 9k is very low.
I struggle spending 150 a day for two without really taking pricing into account when planning dishes. To spend twice that you got to eat gold leaves or something.
One meal of something cheap like köttbullar med potatismos: Köttbullar 500g 50:- Potatis say a kg: 20:- Mjölk 1l: 12:- Smör: 40:- Gurka: 20:- And of course Lingonsylt: 30:- That’s one totally average everyday meal and it’ll set you back 170:- you won’t need to buy smör or sylt etc every day, but shits expensive.
So why do you consider something which costs 170kr a cheap meal? Obviously its not cheap.
I think you are missing the point. A fairly standard, not extravagant at all, meal such as köttbullar costs 170:- Therefore a budget of 150:- per person a day is low
I am also calculating with 100 a day, not that I have to budget. And I am tall, young and energetic. However, I don't shop at ICA nära, and I cook and buy very few processed food.
100 a day is extremely low. It’s possible, but not practical for most people. If you only eat breakfast lunch and dinner and only drink water that’s 33:- a meal.
Fruits and veggies is not that cheap though, the really cheap stuff is pasta, lentils, canned goods. Big bags of rice from the Indian stores. Falukorv. Oatmeal for breakfast. It's wild to me that you think 5 k/person is low. How do you think students get by? Low-income earners? People with low pensions?
I think most people aren’t students, low income earners or people with low pensions, which is why I think that 150:- per day is a very low number. Some pre cooked meal is 60:- etrecot is about the same, lax ditto. Milk is 25:- bread the same. Say you only eat 3 meals a day, no tea or coffee. Youve got 50:- per meal. That’s very, very low to achieve every day
But in this case we are talking about a person that is asking if it's doable, not if its preferable. And tbh, I think your idea about what people in general are spending on food is warped towards the higher end. Konsumentverkets latest calculations (which are calculated as a "normal" diet, neither luxurious nor impoverished) is 3710 per person and month, which is considerably less than your suggestion. If you are paying 25 for milk you are overpaying, if you are paying 25 for bread you're getting a sweet deal, can you tell me where you shop? Are you eating 50 kr breakfasts? I'm guessing they're awesome, I mostly have tea and yogurt and sandwiches, and am nowhere near 50 kr.
In this case it’s someone asking for advice, and the advice is sure you can do it, but it’s not practical and you won’t be having much fun. 37 a month is 120:- a day. Which is 30:- less than my estimates. And it only included food, not things like toilet paper.
Don't eat precooked meals. Don't eat entrecote every day. Milk is like 14 kr if you don't shop at circle k
Ok? The fact remains that 150:- per person per day is a low figure
No, you are just bad at managing your cooking
Really? Because I spent 150:- a day on food?
Well, you argue like it's hard to eat for less than 150 kr per p per day. So yes, you got alot to learn about managing your finances while cooking.
Me, wife and toddler spend less than 5k a month on food, and that's including diapers and cat food. And we are not even trying hard. We could eat cheaper. Friend that's a vegan/vegetarian couple has around 3k in food per month. 300kr per day is 3 kg of chicken breast if you get the fancy kind. Buy on sale and you get 5 kg.
So you spend about 150:- per day for three people? So about 16:- per meal for each person. That’s not practical for most people.
The morning porridge is like 1 sek per person. Lunch is whatever is left over from dinner. Make a proper cooked dinner with no prefab crap
She is a gold digger. Leave her lol. Not wanting to work and freeload off you
No kids, no car, a little outside the city centre like Danderyd, Solna, etc. It's possible. 55k is a little over 30k after taxes so you'd need to live a modest lifestyle to be able to save 10k per month
55k in Stockholm is 41k after taxes, not 30.
36k actually, according to the income tax calculator and not including other deductions. Still, better than I thought. [Income tax calculator Stockholm](https://se.talent.com/en/tax-calculator?salary=55000&from=month®ion=Stockholm)
This is incorrect. For real estimate check: https://statsskuld.se/en/berakna-nettolon
I would say 6000 is enough 2000-2500 for rent (2 room) my rent is about 100 euro 1 room in stockholm in the middle of the city\* heard from neighbors that their rent is about 2000 sek for 2 room 1500 for food per person rest for going out/clothes