Salary Certificate & Income Statement 2026/2027 – For bank & landlord, Salary Attachment & Excel | Word/PDF

Salary certificates and income statements – professional Word, PDF, and Excel templates

Does the company need to issue a salary certificate or income statement for a bank or landlord? With this digital template package, an authorized employer can compile, verify, and sign information regarding employment, base salary, and actual salary paid. The documents help you distinguish between contractual salary, historically verified gross salary, tax deductions, net payments, and variable compensation – without creating unsubstantiated promises regarding future income.

You receive 15 files: 7 editable Word (DOCX) files, 7 searchable A4-PDFs, and 1 Excel (XLSX) file with nine tabs. The five main templates are in Swedish. A Swedish user guide and an English user guide are included. Recipients may have their own forms and verification requirements.

What is the difference between a salary certificate, an income statement, and an employer's certificate?

Salary certificate: A document issued by an employer that can state an employee's employment, contractual gross salary, working hours, or employment rate and information based on actual salary documentation.

Income statement: A document that can compile verified historical income during specific periods. The recipient, such as a bank or landlord, may require their own supplementary documents or a specific format.

Employer's certificate for unemployment insurance (a-kassa): Is a different document with a specific purpose. The Public Employment Service refers to the unemployment insurance funds' e-services or arbetsgivarintyg.nu for this. This package is not an unemployment insurance certificate and does not replace its official process.

Gross salary, net salary, and variable income – verify the data

According to the Swedish Tax Agency's information on salary payment, gross salary is compensation before tax deductions and may include more cash salary components than the base salary. For a credible salary certificate, the agreed base salary must be distinguished from previously paid compensation such as inconvenient working hours (OB), overtime, bonuses, or commissions. Variable amounts must not be presented as fixed or guaranteed future monthly income.

Net payout can be affected by tax deductions and other specified deductions. Always check actual payslips, vouchers, and payments. Information on the employer declaration (AGI) at the individual level can be a relevant verification basis, but the template itself does not create or submit an employer declaration. Swedish Tax Agency's legal guidance.

How to prepare a correct salary certificate

1. Ask which document the recipient wants and whether their own form should be used.
2. Determine the legitimate purpose, authorization, and what personal data is needed.
3. Verify the employer's name, corporate identity number, form of employment, and contractual details.
4. Confirm current contractual base salary separately from variable compensation.
5. Retrieve correct historical salary periods from original payslips and systems.
6. Reconcile gross salary, tax deductions, other deductions, and actual net payout.
7. Explain any deviating or irregular income factually.
8. Check that the certificate only includes verified data and the intended time period.
9. Have an authorized representative sign and document the date and version.
10. Deliver securely and, if necessary, note which version was sent to which recipient.

Excel – nine tabs with reconciliation of actual salary

The tabs are Overview, Certificates, Salary Periods, Employment, Control, Issuance, Recipients, Documentation, and Read Me. In the Salary Periods tab, separate amounts for gross, tax deductions, other deductions, and actual net payout are entered. Formulas create a control calculation and highlight differences that need investigation. The dashboard counts registered certificates and shows totals for explicitly verified salary periods.

Important: A formula does not determine whether employment or salary is real. It cannot issue an authentic certificate, guarantee income, or check the Swedish Tax Agency's databases. Excel is an administrative aid and must be stored with appropriate data protection.

GDPR and handling of salary information

Salary information about identifiable employees is personal data. The employer must have a documented purpose, legal basis, and relevant information management. Personal data must not be collected or disclosed to a greater extent than necessary. IMY's guidance on information to employees describes the duty to provide information. Do not store complete salary history in an unprotected workbook.

Related templates and documents

• Employment certificate & service record – for employment duration, assignments, and job description rather than salary history.
• Salary policy & salary review – internal routines for salary decisions and criteria.
• Bonus agreement & incentive program – terms for potential variable compensation.
• Employee appraisal & development discussion.

Frequently Asked Questions about salary certificates and income statements

Can the employer use the template for a certificate for the bank?

Yes, as the employer's own supplementary certificate when the bank accepts such a document. The bank may require a specific form, payslips, or other verification.

Is this an employer's certificate for the unemployment insurance fund (a-kassa)?

No. For unemployment insurance, the employer should use arbetsgivarintyg.nu or the documents and routines directed by the unemployment fund.

May one certify future salary or commission as guaranteed?

Not without factual support for the claim. Contractual base salary must be distinguished from historical outcomes of variable compensation and any forecasts.

Is the Excel file connected to the employer's payroll system or the Swedish Tax Agency?

No. The workbook contains an empty manual register with formulas and controls; no external payroll systems or authority data are retrieved automatically.

Who is allowed to sign the certificate?

An authorized representative of the employer who has actually verified the information. The template includes fields for function, date, name, and signature.

Are the templates in both Swedish and English?

The five main documents are in Swedish. A Swedish user guide and a separate English User Guide are included; the main certificate text is not translated into English.

Sources and version information

• Swedish Tax Agency – paying out salary, gross, and tax deductions
• Swedish Tax Agency – employer declaration
• IMY – processing of personal data in working life
• Public Employment Service – employer certificate for unemployment insurance

Edition 1.0 – 2026/2027. Source review October 18, 2026. The document package is not an official government form, an employer's certificate for an unemployment fund, or any verification of actual salary without the employer's own control. Update in case of changed legal status or recipient requirements.