How the Swedish interest deduction works in 2026
For loans that meet the qualifying security requirements, interest expenses can be included in your capital deficit. The tax reduction is normally 30 percent up to SEK 100,000 of capital deficit and 21 percent on the part above that threshold.
Unsecured loans in 2026
From income year 2026, interest on unsecured loans no longer qualifies for the deduction. This includes many personal loans and credit-card debts.
Your final result can be affected by capital income, other capital losses and your final tax assessment.