Accounting software for Swedish businesses

Bookkeeping software for Sweden: bank feeds, receipts and kronor accounts

Finn keeps a double-entry ledger in Swedish kronor. You import bank and card statements as CSV or PDF, and Finn reads whatever layout your bank uses, so there is no per-bank setup to maintain. Each transaction is categorised using the context of your business, your open invoices and your earlier activity. You only see the items Finn is unsure about.

Receipts do not need a special app. Forward them by email, or send a photo through WhatsApp, Telegram or Slack, and Finn extracts the supplier, date, amount and moms, then links the document to the matching bank transaction. Stripe, Wise, Mercury and Revolut can also be connected where you use them. Sweden is in the EU but not the euro, so foreign currency amounts are converted and recorded against the kronor ledger.

Moms software for Sweden: 25%, 12% and 6% rates and filing deadlines

Swedish moms is 25% standard. A 12% rate applies to food, restaurants, catering and hotels, and a 6% rate to books, newspapers, passenger transport and admission to cultural and sporting events. Exports and intra-EU supplies are 0%-rated, and healthcare, education, finance and property rental are exempt. A cut in food moms has been proposed, so Finn checks the current rate before quoting it.

Registration is mandatory once turnover passes SEK 120,000 in a financial year, raised from SEK 80,000 on 1 January 2025. Filing is annual below SEK 1 million, quarterly from SEK 1 million to SEK 40 million, due the 12th of the second month after the period, and monthly above SEK 40 million, due the 26th of the following month. Finn tracks moms on every transaction and prepares the return figures.

You file through Skatteverket's e-services, and Finn does not submit the return for you. The Swedish VAT number is SE plus the ten-digit organisationsnummer plus 01. Finn stores it against your company, validates EU counterparties through VIES and flags reverse-charge and One Stop Shop items so they are reported in the right place on the return.

Bolagsskatt and the inkomstdeklaration: corporate tax and filing dates

Corporate tax, bolagsskatt, is a flat 20.6% of taxable profit. The rate is still 20.6% for 2026, and the proposed cut to 20% was not enacted. Companies self-assess and pay monthly preliminary tax, known as debiterad preliminärskatt. Finn tracks profit through the year so the figure is no surprise.

The corporate return, Inkomstdeklaration 2, is due by a date that depends on your year-end month. A year ending September to December has a due date of 1 July, with a deferred e-filing date in early August for a 31 December year-end. Late filing costs SEK 6,250 to start, and extensions are usually granted to about 30 September. Finn prepares the profit figures and puts the date on your calendar.

Arbetsgivaravgifter and AGI: Swedish payroll and employer contributions

Employer contributions, arbetsgivaravgifter, are 31.42% of gross salary and taxable benefits for employees born in 1959 or later. A reduced 10.21%, which covers old-age pension only, applies to those born 1938 to 1958 and, from 1 January 2026, to employees aged 67 and over. Certain young-worker cohorts get a reduced 20.81% on pay up to SEK 25,000.

Employers withhold preliminary income tax from each salary using the employee's tax table, and file the arbetsgivardeklaration at individual level, known as AGI, by the 12th of the following month. It lists gross pay, withheld tax and benefits per employee. Finn records payroll in your books and prepares the figures. Running the payroll and submitting the AGI stay with you or your payroll provider.

Bolagsverket and the årsredovisning: aktiebolag, capital and annual reports

A private aktiebolag, the AB, needs SEK 25,000 of share capital, and a public AB needs SEK 500,000. The AB is the standard form for serious businesses and is registered with Bolagsverket through verksamt.se. Other forms are the enskild firma (sole trader), handelsbolag (general partnership), kommanditbolag (limited partnership) and filial (branch). Your organisationsnummer has ten digits.

A private AB must file its årsredovisning with Bolagsverket within seven months of the financial year-end. If it has not arrived within 11 months, the company risks compulsory liquidation, and a late fee applies. The report can be filed digitally. The standard financial year is the calendar year, though a broken year ending 30 April, 30 June or 31 August is allowed. Finn prepares the figures from your ledger.

Enskild firma and F-skatt: sole traders, 3:12 and owner dividends

A sole trader, enskild firma, has no capital requirement and is taxed personally on the owner's personnummer. Anyone who invoices for work should hold F-skatt approval, which makes you responsible for your own tax and contributions so the client does not withhold them. Invoices must state that you are approved for F-skatt. Personal income is taxed mainly by the municipality, averaging about 32.41%, plus a 20% state tax above SEK 625,800 for 2025.

If you own an aktiebolag, the 3:12 rules decide how dividends are taxed. Dividends within the gränsbelopp (allowance) are taxed at a flat 20% as capital income, and amounts above are taxed as employment income. A major reform takes effect on 1 January 2026, with a single basic allowance of four income base amounts, about SEK 322,400. Finn flags the change when it advises on owner dividends.

Fortnox alternative for Sweden: switching from Visma or a spreadsheet

Most Swedish small businesses arrive from Fortnox, Visma or a spreadsheet. Export your transactions, kontoplan (chart of accounts) and contacts as CSV files and upload them to Finn. Finn maps your accounts and columns to its own structure, so you do not build a mapping by hand, and it asks you about anything it cannot place with confidence.

There is no lock-in. Your data stays exportable, and you can run Finn alongside your current software until you are comfortable. If you work with a redovisningskonsult or revisor, keep sharing the exports they need. Finn then takes over the bookkeeping, moms tracking and deadline reminders, and you review what it prepares rather than typing it in.