Concern for personal finances is widespread among the Swedish people, but one group stands out with a higher level of worry than others. At the same time, it is clear that households have gone through a tough economic period.

Despite Swedbank’s report on households’ views on their economy in 2025 being conducted shortly after the government announced tax cuts in the autumn budget, the Swedish people’s perception of their personal finances is anything but optimistic.

The proportion of those who are more optimistic about their own economy this year compared to last year has increased, but only marginally – from 33 to 35 percent.

Many of those who are positive about their economy are younger, especially in the 18-29 age group, where 42 percent are positive. The opposite applies to older people in the 65-79 age group, where only 22 percent are satisfied with their finances.

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According to the report, men are generally more positive than women, as are people living in the metropolitan regions of Stockholm, Gothenburg, and Malmö, as well as in Småland.

The proportion of pessimistic people is at about the same level as last year – 21 percent. This group includes many single households, single parents, and people living in northern Sweden.

Dipped into savings

The report notes that households have gone through a tough economic period. Almost two out of three have had to use all or part of their savings to cope with expenses, and one in four people are stressed or worried about their housing costs.

Eight out of ten say they will save the same amount as before or more.

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