{"id":85740,"date":"2025-09-19T13:08:41","date_gmt":"2025-09-19T11:08:41","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=85740"},"modified":"2026-03-10T16:55:17","modified_gmt":"2026-03-10T15:55:17","slug":"sa-paverkas-din-planbok-av-regeringens-hostbudget","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/sa-paverkas-din-planbok-av-regeringens-hostbudget\/","title":{"rendered":"S\u00e5 p\u00e5verkas din pl\u00e5nbok av regeringens h\u00f6stbudget"},"content":{"rendered":"\n

S\u00e4nkt skatt p\u00e5 arbete och pensioner, s\u00e4nkt matmoms, s\u00e4nkt elskatt och s\u00e4nkt f\u00f6rskoleavgift. Det \u00e4r finansminister Elisabeth Svantessons recept f\u00f6r att f\u00e5 fart p\u00e5 svensk ekonomi och lyfta Sverige ur l\u00e5gkonjunktur. Och kanske tj\u00e4na in en och annan r\u00f6st lagom till valet n\u00e4sta \u00e5r. S\u00e5 h\u00e4r p\u00e5verkar budgetf\u00f6rslagen din pl\u00e5nbok. <\/strong><\/p>\n\n\n\n

Det h\u00e4r \u00e4r en pl\u00e5nboksbudget, med fokus p\u00e5 hush\u00e5llens pl\u00e5nb\u00f6cker. Regeringen \u00e4r trogen arbetslinjen, det ska l\u00f6na sig att arbeta, och d\u00e4rf\u00f6r \u00e4r det de som arbetar eller har arbetat som \u00e4r i fokus och som kan s\u00e4gas vara vinnare. Tanken \u00e4r att stimulera tillv\u00e4xt s\u00e5 att Sverige kommer upp ur l\u00e5gkonjunkturen, samtidigt som detta f\u00f6rst\u00e5s \u00e4r regeringens sista chans att ge v\u00e4ljarna lite mer i pl\u00e5nboken f\u00f6re valet n\u00e4sta \u00e5r. <\/p>\n\n\n\n

Jag tror att b\u00e5de r\u00e4ntes\u00e4nkningar, en fallande inflation och skattes\u00e4nkningar kommer \u00f6ka k\u00f6pkraften n\u00e4sta \u00e5r, men fr\u00e5gan \u00e4r om v\u00e4ljarna kopplar ihop det med den f\u00f6rda politiken.<\/p>\n\n\n\n

Vissa av satsningarna har anklagats f\u00f6r att inte vara speciellt tr\u00e4ffs\u00e4kra, s\u00e5 som den s\u00e4nkta matmomsen. Jag tror att en viktig po\u00e4ng \u00e4r att \u00f6ka konsumenternas upplevda f\u00f6rtroende f\u00f6r sin egen ekonomi, s\u00e5 att de v\u00e5gar b\u00f6rja spendera. Man beh\u00f6ver helt enkelt \u00f6ka konsumentf\u00f6rtroendet, och d\u00e4r tror jag \u00e4nd\u00e5 s\u00e4nkt matmoms kan ha en effekt.<\/p>\n\n\n\n

F\u00f6rlorare \u00e4r stora barnfamiljer som idag mottar s\u00e5 stort f\u00f6rs\u00f6rjningsst\u00f6d att man tr\u00e4ffas av regeringens bidragstak. Den som hade \u00f6nskat sig h\u00f6jt barnbidrag, vilket var uppe f\u00f6r diskussion, blir ocks\u00e5 besviken.<\/p>\n\n\n\n

\"\"
Nordnets sparekonom Frida Bratt tillsammans med branschkolleger p\u00e5 Finansdepartementet f\u00f6r att f\u00e5 en genomg\u00e5ng av regeringens h\u00f6stbudget f\u00f6r 2026 av finansminister Elisabeth Svantesson (m). <\/figcaption><\/figure>\n\n\n\n

H\u00e4r \u00e4r n\u00e5gra av f\u00f6rslagen i budgeten som kan komma att p\u00e5verka din pl\u00e5nbok. <\/p>\n\n\n\n

S\u00e4nk skatt p\u00e5 arbete<\/strong><\/h2>\n\n\n\n

Vi f\u00e5r ytterligare en f\u00f6rst\u00e4rkning av jobbskatteavdraget, och i f\u00f6rh\u00e5llande till inkomst \u00e4r det st\u00f6rst f\u00f6r l\u00e5g- och medelinkomsttagare. Men i kronor och \u00f6ren \u00e4r det h\u00f6ginkomsttagare som f\u00e5r mer. Regeringen, och andra bed\u00f6mare ocks\u00e5 f\u00f6r den delen, hoppas att det \u00f6kade tillskottet i pl\u00e5nboken inte ska l\u00e4ggas undan i ett sparande, utan at det ska konsumeras. Det \u00e4r ju hush\u00e5llens konsumtion som m\u00e5ste komma ig\u00e5ng om Sverige ska lyftas ur l\u00e5gkonjunkturen. Vi vet att l\u00e5g- och medelinkomsttagare har en st\u00f6rre ben\u00e4genhet att l\u00e4gga f\u00f6rst\u00e4rkningar i pl\u00e5nboken p\u00e5 konsumtion, medan h\u00f6ginkomsttagare har en st\u00f6rre tendens att l\u00e4gga pengarna p\u00e5 h\u00f6g i ett sparande. <\/p>\n\n\n\n

Den som \u00e4r en l\u00f6n p\u00e5 42000 kronor i m\u00e5naden f\u00e5r 401 kronor i l\u00e4gre skatt varje m\u00e5nad tack vare jobbskatteavdraget, men inklusive indexeringar blir den l\u00e4gre skatten totalt 431 kronor.<\/p>\n\n\n\n

\u00c4ven skatten f\u00f6r de som har sjuk- eller aktivitetsers\u00e4ttning s\u00e4nks p\u00e5 motsvarande vis.<\/p>\n\n\n\n

S\u00e4nkt skatt p\u00e5 pension<\/strong><\/h2>\n\n\n\n

Regeringen vill inte \u00f6ppna skatteklyftan igen mellan l\u00f6n och pension, och d\u00e4rf\u00f6r s\u00e4nks skatten ocks\u00e5 p\u00e5 pensionsinkomster. F\u00f6r den som har pensionsinkomst p\u00e5 25000 kronor i m\u00e5naden s\u00e4nks skatten med 143 kronor i m\u00e5naden, vilket inklusive indexeringar blir 156 kronor i l\u00e4gre skatt.<\/p>\n\n\n\n

Samtliga partier har ocks\u00e5 kommit \u00f6verens om att en broms ska aktiveras i inkomstpensionssystemet, n\u00e4r tillg\u00e5ngarna \u00f6verstiger skulderna med 15 procent. Det ska enligt regeringen ge ett tillskott p\u00e5 100 kronor i m\u00e5naden f\u00f6r den som har en pension p\u00e5 15000 kronor i m\u00e5naden, om gasen hade inf\u00f6rts nu baserat p\u00e5 det \u00f6verskott som finns idag. Gasen inf\u00f6rs tidigast 1 junuari 2027.<\/p>\n\n\n\n

Bidragstak<\/strong><\/h2>\n\n\n\n

Regeringen har f\u00f6reslagit en bidragsreform d\u00e4r socialbidrag stramas \u00e5t f\u00f6r stora barnfamiljer, och syftet \u00e4r enligt regeringen att \u00f6ka drivkraften f\u00f6r att arbeta. Det \u00e4r framf\u00f6r allt st\u00f6rre hush\u00e5ll som f\u00e5r ett begr\u00e4nsat f\u00f6rs\u00f6rjningsst\u00f6d. Enligt regeringens egna utr\u00e4kningar blir effekten av bidragstaket att en ensamst\u00e5ende med fem barn f\u00e5r 6700 kronor mindre i pl\u00e5nboken i m\u00e5naden, en minskning fr\u00e5n 42000 kronor i m\u00e5naden till 35300 kronor. Tv\u00e5 sammanboende med fem barn f\u00e5r minskade bidrag fr\u00e5n 46500 kronor till 38300 kronor, en minskning med 8200 kronor.<\/p>\n\n\n\n

Effekten blir inte lika stor f\u00f6r familjer med f\u00e4rre barn. F\u00f6r sammanboende med tv\u00e5 barn minskar socialbidraget med 800 kronor, enligt regeringens exempel.\u00a0Samtidigt f\u00f6resl\u00e5s att en jobbpremie inf\u00f6rs under 2026 f\u00f6r de som levt p\u00e5 bidrag och nu b\u00f6rjar jobba.<\/p>\n\n\n\n

Det h\u00e4r \u00e4r m\u00f6jligen en liten pedagogisk utmaning f\u00f6r regeringen att f\u00e5 ihop med att man samtidigt s\u00e4ger sig vilja s\u00e4tta barnfamiljer i fokus. \u00c5 andra sidan \u00e4r detta andra sidan arbetslinjen, som regeringen ju tydligt g\u00e5r p\u00e5. <\/p>\n\n\n\n

S\u00e4nkt matmoms<\/strong><\/h2>\n\n\n\n

Momsen p\u00e5 mat s\u00e4nks tillf\u00e4lligt fr\u00e5n 12 till 6 procent, fr\u00e5n och med 1 april 2016 till 31 december 2027. Samtidigt ska regeringen utse en kommission som ska s\u00e4kerst\u00e4lla att butikerna verkligen s\u00e4nker priserna med motsvarande.<\/p>\n\n\n\n

Om butikerna g\u00f6r det finns h\u00e4r mycket pengar att spara f\u00f6r pl\u00e5nboken. En person som k\u00f6per mat f\u00f6r i snitt 3700 kronor i m\u00e5naden, vilket en ensamst\u00e5ende vuxen g\u00f6r enligt Konsumentverket, kan spara 2500 kronor per \u00e5r p\u00e5 den s\u00e4nka momsen. En familj som k\u00f6per mat f\u00f6r 11600 kronor i m\u00e5naden, vilket en vanlig barnfamilj g\u00f6r enligt Konsumentverket, kan spara 8000 kronor per \u00e5r.<\/p>\n\n\n\n

Just \u00f6kade livsmedelspriser tror jag har p\u00e5verkat hush\u00e5llen v\u00e4ldigt mycket, m\u00e5nga \u00e4r helt enkelt lite stukade efter 2022 n\u00e4r vi hade h\u00f6gt inflationstryck och h\u00f6ga elpriser. Och efter det har livsmedelspriserna egentligen faktiskt fortsatt att \u00f6ka. Jag tror att s\u00e4nkt matmoms kan ha en gynnsam effekt p\u00e5 konsumentf\u00f6rtroendet.<\/p>\n\n\n\n

S\u00e4nkt skatt p\u00e5 el<\/strong><\/strong><\/h2>\n\n\n\n

Regeringen s\u00e4nker ocks\u00e5 skatten p\u00e5 el, vilket bland annat gynnar villa\u00e4gare. Skatten s\u00e4nks med 10 \u00f6re per kilowattimme, och det ska ge ett hush\u00e5ll en s\u00e4nkt skatt p\u00e5 85 kronor i m\u00e5naden enligt regeringens egna ber\u00e4kningar.<\/p>\n\n\n\n

Dessutom inf\u00f6rs ett h\u00f6gkonstnadsskydd. Det aktiveras n\u00e4r spotpriset \u00f6verstiger 1,5 kronor per kilowattimme. H\u00f6gkostnadsskyddet har varit omdiskuterat, bland annat har det kritiserats f\u00f6r att vara verkningsl\u00f6st eftersom just spotpriset s\u00e4llan \u00f6verstiger dessa niv\u00e5er. D\u00e4remot \u00e4r det annat som elkonsumenter m\u00e5ste betala som tillkommer, s\u00e5 som eln\u00e4tsavgift, skatt med mera.<\/p>\n\n\n\n

H\u00f6jt bostadsbidrag f\u00f6r barnfamiljer<\/strong><\/h2>\n\n\n\n

Regeringen vill h\u00f6ja bostadskostnadsgr\u00e4nserna f\u00f6r barnfamiljer, f\u00f6r att bostadsbidraget i h\u00f6gre grad ska vara kopplat till de faktiska bostadskostnaderna. De \u00f6vre bostadskostnadsgr\u00e4nserna h\u00f6js med 1 500 kronor f\u00f6r familjer med ett barn, och med 2 000 kronor f\u00f6r familjer med tv\u00e5 eller flera barn.<\/p>\n\n\n\n

S\u00e4nkt <\/strong>f\u00f6rskoleavgift<\/h2>\n\n\n\n

Regeringen s\u00e4nker f\u00f6rskoleavgiften med 4500 kronor per \u00e5r f\u00f6r en barnfamilj med tv\u00e5 barn p\u00e5 tre och fem \u00e5r. Man s\u00e4nker helt enkelt niv\u00e5n f\u00f6r hur h\u00f6ga avgifter kommunerna f\u00e5r ta ut.<\/p>\n\n\n\n

Den som f\u00f6r \u00f6vrigt undrar och oroas \u00f6ver fr\u00e5nvaron av punkten ut\u00f6kad skattefrihet fr\u00e5n 150 000 kronor till 300 000 kronor p\u00e5 sparande kan k\u00e4nna sig lugn. Den reformen \u00e4r redan klubbad och beslutad, och det i f\u00f6rra \u00e5rets budget. Vid \u00e5rsskiftet ut\u00f6kas s\u00e5ledes skattefriheten till 300 000 kronor p\u00e5 ISK<\/a> och kapitalf\u00f6rs\u00e4kring<\/a>. <\/p>\n\n\n\n

\/Frida<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

S\u00e4nkt skatt p\u00e5 arbete och pensioner, s\u00e4nkt matmoms, s\u00e4nkt elskatt och s\u00e4nkt f\u00f6rskoleavgift. Det \u00e4r finansminister Elisabeth Svantessons recept f\u00f6r att f\u00e5 fart p\u00e5 svensk ekonomi och lyfta Sverige ur l\u00e5gkonjunktur. Och kanske tj\u00e4na in en och annan r\u00f6st lagom till valet n\u00e4sta \u00e5r. S\u00e5 h\u00e4r p\u00e5verkar budgetf\u00f6rslagen din pl\u00e5nbok. Det h\u00e4r \u00e4r en pl\u00e5nboksbudget, […]<\/p>\n","protected":false},"author":40184,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[4053],"tags":[],"class_list":["post-85740","post","type-post","status-publish","format-standard","hentry","category-privatekonomi"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/06\/Frida-NFN-01-1200x430-1-150x54.png","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/06\/Frida-NFN-01-1200x430-1-150x54.png 150w, 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