Jämka - then you should avoid these pitfalls

Autumn means a last chance to apply for an adjustment with the Swedish Tax Agency if you think you will pay too much in tax and don't want to have to wait for your compensation. The most common is that you have tax-related interest deductions on the mortgage.

- Allowing the main payer, for example the employer, to make a lower tax deduction than your tax table is, however, something that very few make use of, says Johan Schauman, declaration expert at the Swedish Tax Agency.

- You should know that it is a small part of the population that does this, not even 100,000 people, which is still a little surprising in light of the fact that there are almost six and a half million who get money back, he tells TT.

Historically speaking, the Tax Agency has not seen any major changes either, tougher economic times such as for example when interest rates have risen, have not contributed to many choosing to adjust.

- We think it's because a lot of people don't even think that this possibility exists. It may be that there is a very large percentage who think it is a bit nice to get a few thousand in the spring before the holidays.

For those who still choose to slow down, however, there are a number of pitfalls to avoid. First of all, it is about submitting complete information and making sure that the calculations are correct, Johan Schauman points out.

If the adjustment is to apply for the whole of 2027, November 8 is the application deadline.

But it may also be that you pay too little tax. One example is the municipal property tax that many homeowners have to pay.

- It is not deducted from any income, but you yourself have to pay it. Another is if you sold shares and made a profit, even a loss can have an effect, Johan Schauman points out.

The tip from the Swedish Tax Agency is to review your return from previous years in order to avoid forgetting anything.

But many people have quite a few details in their declaration, so an adjustment application is not that advanced.