Your finances, clearer
The money’s already there. It’s just going the wrong way.
Small daily expenses add up to large sums. Move the sliders and see exactly what your habits cost and what they could become.
Did you know that: 6 out of 10 Swedes don’t know what they spend on food and coffee each month
SEK 49 000
3 coffees/day over 10 years
SEK 67 000
Lunch out 3x/week over 10 years
SEK 24 000
SEK 100 small purchases/day over 10 years
Your daily habits
What it actually costs
Per month
3 170 kr
That’s roughly a flight within Europe
Per year
38 040 kr
That’s roughly a month backpacking in Asia
Over 10 years
380 400 kr
That’s roughly a deposit on an apartment
Your habits take up 8% of an average Swedish monthly salary (SEK 38 000)
How your money grows
When will you reach your savings goal?
Your insight
If you saved your unnecessary expenses every month 38 040 kr, it could become 551 879 kr over 10 years.
Wait 5 years and you miss out on 323 606 kr in potential returns.
Show detailed breakdown
Want to save more?
Practical guides for everyday finances
Learn how unit pricing works, what to do with the money you save, and which concrete steps make the biggest difference.
Explore the guidesWhy do small expenses matter?
A coffee on the way to work might cost SEK 45. That sounds small but 5 days a week, 50 weeks a year, that’s SEK 11 250. Add lunch out three times a week and a few impulse purchases per day and you could be looking at SEK 50 000 to 80 000 per year disappearing without you noticing. Sparguider helps you see the full picture.
How does the calculator work?
You adjust three sliders: coffee per day, how often you eat out per week and what you spend on small purchases per day. You can also add your own habits. The calculator updates in real time and shows your monthly cost, yearly cost and what it adds up to over 10 years.
Compound interest: why 7%?
7% is a common rule of thumb for expected real returns on a broad equity portfolio over the long term, based on historical data from global stock markets. No guarantee, but a realistic picture of what consistent saving can grow into.
Frequently asked questions
Is 7% return realistic?
7% is a common rule of thumb for real returns on a broad equity portfolio over the long term, based on historical data. Shorter periods can deliver both higher and lower returns. For a long-term savings plan it’s a reasonable assumption, but no guarantee.
What is an ISK account?
ISK (investeringssparkonto) is a Swedish savings account type for shares and funds. Instead of paying 30% tax on every gain, you pay a low flat annual tax on the account’s total value. It’s typically more advantageous than regular capital gains tax.
How much should I save each month?
A common rule of thumb is at least 10% of your salary. But it’s better to start with SEK 500 and keep it up than to set a high target and give up. The calculator helps you see what your current spending costs and what you could do with the money instead.
Do I need lots of money to start saving?
No. Most savings options, ISK, funds and savings accounts, have no minimum deposit. You can start with SEK 100. The most important thing is to get started and make it a habit.
What’s the difference between saving and investing?
Saving typically means putting money in a low-risk, low-return savings account. Good for your emergency fund. Investing means buying shares or funds with higher potential returns but also more risk. Good for long-term savings.
How does the calculator compute the 10-year value?
We use a standard formula for monthly deposits with monthly compounding. Money is invested at the start of each month and interest compounds monthly. Amounts are illustrative and no guarantee of actual returns.