Sweden: the emissions tax is not in the price, it arrives every year
Most countries in this calculator bury their car taxes in the sticker. Sweden splits them, and that changes what you should borrow.
The moms of 25% is inside the advertised price, so there is nothing to add on top and no tax field on this page. But Sweden's emissions charge, the malus, is not a purchase tax at all. It is an elevated annual vehicle tax for the first three years from when the car first becomes taxable, after which it drops back to the ordinary rate.
The rates start above 75 g/km of CO2, at SEK 107 per gram to 125 g/km and SEK 132 per gram beyond that, on top of a base charge of SEK 360 a year. Diesels pay a further environmental supplement and a fuel surcharge.
Why that matters for the loan
Because the malus sits outside the price, your loan is on the full car and the tax lands separately, as a bill, three years running. A buyer who models only the monthly repayment will underestimate the first three years of ownership by a meaningful amount on anything with high emissions.
Work out the malus for the car you are considering and treat it as a running cost alongside insurance and servicing, not as part of the purchase. It does not belong in the fees field on this page, which is for charges financed with the car.
The old purchase-side incentive is gone. Sweden ran a klimatbonus paid to buyers of low-emission cars, and it was withdrawn, so a new electric car no longer arrives with a rebate attached. What survives is the absence of malus rather than a payment.
The price to enter
Swedish list prices are large in absolute terms because the krona is a minor unit, and the default here of SEK 400,000 for a mid-range new car reflects that rather than an unusually expensive market.
A trade-in reduces the loan krona for krona of its equity, with no tax consequence in either direction, since the tax was never itemised separately on the purchase. As everywhere in this calculator, registration and first-year charges belong in the fees field only if the dealer is financing them rather than asking you to pay them up front.