What does getting a car cost?
Compare private leasing, a car loan, a private loan or paying cash in Sweden, and add insurance, car tax, service and tyres to see the car's cost per month.
Your car
Paid each month
3 913,23 kr
Monthly payments only — yearly and one-off costs come on top, when they fall due.
- Paid up front
- 50 000,00 kr
Breakdown
- Paid for the car
- 50 000,00 kr one-off
- Loan payment
- 3 913,23 kr/mo
- Interest, first month
- 1 083,33 kr
- Amortization, first month
- 2 829,90 kr
- Total interest
- 34 793,80 kr
- Total over 5 yrs
- 284 793,80 kr
How we calculate
Assumptions
This result is an estimate for information only and is not financial advice. Contact your lender for an exact offer.
Last updated
- Car loan and private loan are annuity loans: the same payment every month at a fixed rate, compounded monthly (annual rate ÷ 12). Down payments and cash purchases are paid up front.
- Running costs are counted over the financing period: monthly costs every month, yearly costs prorated by month (amount × months ÷ 12), one-off costs once at the start. Every cost stays the same for the whole period.
- The vehicle tax estimate uses Transportstyrelsen's CO₂-based tax (malus) for cars first taxed from 1 June 2022, which applies for the first 3 years; after that the tax is usually lower. Hybrids are assumed to run on petrol — for a diesel hybrid, choose Diesel. Electric and hydrogen cars pay the base amount only; gas cars have no estimate.
- The car's value at the end — its resale value, or nothing if you hand back a leased car — is not deducted. Fuel, charging, parking, loan fees and lease mileage charges are not included.
- Amounts are in Swedish kronor (SEK), rounded to the nearest öre.
How it works
How the cost of a car is calculated
The calculator works out what it costs to get and own a car for a period: the payment itself plus the running costs.
Four ways to pay
- Private leasing: a monthly fee for the lease term, and possibly an upfront lease payment. The car goes back when the contract ends.
- Car loan: a down payment and an annuity loan with the car as security, optionally with a residual debt.
- Personal loan: a down payment and a loan without security.
- Cash: the whole price up front, with the costs counted over the time you own the car.
Running costs
You can add insurance and service per month, vehicle tax per year, winter tyres once and tyre storage per year. Costs are counted over the whole period. If you enter the car’s fuel and CO2 emissions, the calculator estimates the vehicle tax for you.
Two views of the cost
The result shows both what you pay in an ordinary month and everything spread evenly per month – with the down payment, one-off and yearly costs included. The second is better for comparing leasing with buying.
Buying your first car here? The guide Buying your first car in Sweden goes through the costs, the insurance types and the paperwork step by step.
Questions
Frequently asked questions
Is private leasing cheaper than buying?
The monthly cost can be lower, but the car isn't yours – you hand it back when the contract ends. A car you buy still has a value you can sell it for. The calculator doesn't deduct that value, so also compare what the car is worth after the period.
What's the difference between "paid each month" and "spread evenly"?
Paid each month is what you actually pay in an ordinary month. Spread evenly adds up everything over the period – down payment, one-off and yearly costs – and divides it by the number of months.
How is the vehicle tax worked out?
If you enter the fuel type and CO2 emissions, the calculator estimates the tax for the first years, with malus. You can also enter your own tax. Read more in the vehicle tax calculator.
Are fuel and depreciation included?
No. Fuel, charging, parking, loan fees and lease mileage charges aren't included, nor is the car's value at the end. Estimate how much the car loses in value with the car value calculator.