{"id":91093,"date":"2025-11-27T10:36:10","date_gmt":"2025-11-27T10:36:10","guid":{"rendered":"https:\/\/www.europesays.com\/se\/91093\/"},"modified":"2025-11-27T10:36:10","modified_gmt":"2025-11-27T10:36:10","slug":"utrakning-isk-sa-mycket-betalar-du-i-skatt-2026","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/91093\/","title":{"rendered":"Utr\u00e4kning ISK: S\u00e5 mycket betalar du i skatt 2026"},"content":{"rendered":"

L\u00e4nsf\u00f6rs\u00e4kringar har analyserat hur sparare p\u00e5verkas av den nya skatteniv\u00e5n 2026 samt regeringens beslut att h\u00f6ja det skattefria sparbeloppet fr\u00e5n 150 000 till 300 000 kronor fr\u00e5n och med 1 januari 2026.<\/p>\n

Statsl\u00e5ner\u00e4ntan landade p\u00e5 2,55 procent per den 27 november 2025, vilket ger en effektiv ISK-skatt p\u00e5 1,065 procent under 2026. F\u00f6r den som har 500 000 kronor i sparande blir skatten 2 130 kronor 2026, vilket \u00e4r 978 kronor l\u00e4gre \u00e4n 2025 \u00e5rs niv\u00e5, tack vare det h\u00f6jda grundavdraget.<\/p>\n

\u2013 Att det skattefria beloppet f\u00f6rdubblas inneb\u00e4r att m\u00e5nga f\u00e5r l\u00e4gre skatt p\u00e5 sitt sparande. Det \u00f6kar attraktiviteten f\u00f6r ISK och kapitalf\u00f6rs\u00e4kring som sparform, s\u00e4rskilt bland sparare med st\u00f6rre kapital, s\u00e4ger Stefan Westerberg, och forts\u00e4tter:<\/p>\n

\u2013 ISK och kapitalf\u00f6rs\u00e4kringar \u00e4r sedan tidigare enkla och flexibla sparformer. Att kunna byta placeringar, s\u00e4tta in och ta ut pengar fritt och slippa deklarera varje f\u00f6rs\u00e4ljning underl\u00e4ttar f\u00f6r m\u00e5nga hush\u00e5ll.<\/p>\n

N\u00e4r \u00e4r sparande p\u00e5 ISK l\u00f6nsamt i f\u00f6rh\u00e5llande till traditionell aktiedep\u00e5?<\/strong>
Ett investeringssparkonto \u00e4r oftast mer l\u00f6nsamt \u00e4n en traditionell aktiedep\u00e5 n\u00e4r den \u00e5rliga avkastningen \u00f6verstiger statsl\u00e5ner\u00e4ntan plus 1 procentenhet. F\u00f6r 2026 motsvarar det en brytpunkt p\u00e5 cirka 3,55 procent. Men h\u00f6jningen av det skattefria beloppet till 300 000 kronor g\u00f6r att den faktiska brytpunkten s\u00e4nks kraftigt. Med ett sparkapital p\u00e5 500 000 kronor uppg\u00e5r brytpunkten till 1,4 procent och med ett sparkapital p\u00e5 1 miljoner kronor ligger brytpunkten p\u00e5 2,4 procent<\/p>\n

\u2013 Med det skattefria beloppet p\u00e5 300 000 kronor 2026 s\u00e4nks gr\u00e4nsen rej\u00e4lt f\u00f6r n\u00e4r ISK l\u00f6nar sig. Det g\u00f6r sparformen attraktiv \u00e4ven f\u00f6r den som sparar i r\u00e4ntefonder eller andra tryggare placeringar som har en stabilare men l\u00e4gre f\u00f6rv\u00e4ntad avkastning, s\u00e4ger Stefan Westerberg.<\/p>\n

S\u00e5 blir ISK-skatten vid olika sparbelopp*<\/strong><\/p>\n\n\n

Sparbelopp <\/strong><\/p>\n<\/td>\n\n

ISK-skatt 2026<\/strong><\/p>\n<\/td>\n\n

F\u00f6r\u00e4ndring 2025\u20132026<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n

150 000 kr<\/p>\n<\/td>\n\n

0 kr<\/p>\n<\/td>\n\n

0 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

200 000 kr<\/p>\n<\/td>\n\n

0 kr<\/p>\n<\/td>\n\n

-444 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

250 000 kr<\/p>\n<\/td>\n\n

0 kr<\/p>\n<\/td>\n\n

-888 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

300 000 kr<\/p>\n<\/td>\n\n

0 kr<\/p>\n<\/td>\n\n

-1 332 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

500 000 kr<\/p>\n<\/td>\n\n

2 130 kr<\/p>\n<\/td>\n\n

-978 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

1 000 000 kr<\/p>\n<\/td>\n\n

7 455 kr<\/p>\n<\/td>\n\n

-93 kr<\/p>\n<\/td>\n<\/tr>\n

*Se bilaga f\u00f6r fler ber\u00e4kningar.<\/strong><\/p>\n

F\u00f6r ytterligare information kontakta:
<\/strong>Stefan Westerberg, privatekonom p\u00e5 L\u00e4nsf\u00f6rs\u00e4kringar. Tel. 073 \u2013 968 30 44 Stefan.Westerberg@lansforsakringar.se<\/a><\/p>\n

L\u00e4nsf\u00f6rs\u00e4kringars pressjour, telefon 08\u2013588\u00a0418 50, press@lansforsakringar.se<\/a><\/p>\n

L\u00e4nk till L\u00e4nsf\u00f6rs\u00e4kringars pressrum: https:\/\/www.lansforsakringar.se\/privat\/om-oss\/press-media\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"L\u00e4nsf\u00f6rs\u00e4kringar har analyserat hur sparare p\u00e5verkas av den nya skatteniv\u00e5n 2026 samt regeringens beslut att h\u00f6ja det skattefria…\n","protected":false},"author":2,"featured_media":91094,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[22,23,26,27,17,21,24,25,28,29,15,16,18,34,31,33,32,30,19,20],"class_list":{"0":"post-91093","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-rubriker","8":"tag-breaking-news","9":"tag-breakingnews","10":"tag-featured-news","11":"tag-featurednews","12":"tag-headlines","13":"tag-huvudnyheter","14":"tag-latest-news","15":"tag-latestnews","16":"tag-main-news","17":"tag-mainnews","18":"tag-news","19":"tag-nyheter","20":"tag-rubriker","21":"tag-se","22":"tag-svenska","23":"tag-sverige","24":"tag-sweden","25":"tag-swedish","26":"tag-top-stories","27":"tag-topstories"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/115621225095131091","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/91093","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/comments?post=91093"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/91093\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/91094"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=91093"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=91093"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=91093"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}