The alternative economy portal

Simulate the financial decisions you never questioned.

Every default decision, the bigger house, the new car, the lease, the daily ritual, carries a hidden price that compounds over decades. Alternomy makes it visible, with hard math, not guilt.

Recognize any of these?

The default path is paved with invisible costs.

Four traps most people walk into, and the data-backed alternative Alternomy gives you instead.

The default trap

The bigger house

What you can borrow and what is best for you are not the same thing. House-rich, cash-poor is a real risk, and the buy-versus-rent-and-invest math is rarely run before you sign.

Backed by data

Lifetime cost, side by side

See the full cost of ownership against renting and investing the down payment, with local tax law factored in.

The default trap

The leasing contract

The monthly felt manageable. Three renewals and seven years later, you have nothing to show for it, and the math was never run upfront.

Backed by data

The full-term number

See the total cost of leasing versus buying, and what investing the difference would have built. Before you sign.

The default trap

The quiet lifestyle creep

Every raise went somewhere. A bigger apartment. A newer car. A nicer wardrobe. At 40 you wonder where it all went, and why your peers seem ahead.

Backed by data

Map the opportunity cost

Every default choice gets compared to the same money compounding for 25 years. Decisions backed by math, not lifestyle inflation.

The default trap

The small stuff "doesn't matter"

Lunch out. The daily coffee. The weekly delivery. They're rounding errors. Right? Nobody ever stopped to calculate.

Backed by data

Compounded reality

Compounded for 25 years at index-fund returns, those rounding errors are worth a house. Alternomy does the compounding for you.

🇸🇪Currently live in Swedenalternomy.se

Built for the Swedish market. In Swedish.

Ränteavdrag, ISK schablonskatt, kapitalvinstskatt, amorteringskrav, lagfart, pantbrev. 7 free calculators run Swedish fiscal rules checked 24 October 2026, and show every line of the math.

Some of the Swedish rules the calculators use.
Rule	Value in 2026	Source
Tax on an ISK investment account, 2026	1.065% of the account value per year	Skatteverket
Tax-free allowance on ISK	300,000 SEK per person	Skatteverket
Mortgage interest deduction	30% on interest up to 100,000 SEK per person and year, 21% above	Skatteverket
Mortgage amortisation requirement	1% a year above 50% loan-to-value, 2% above 70%	Finansinspektionen
Capital gains tax on a home sale	22%	Skatteverket
Interest cap on new consumer loans	22%, second half of 2026. Interest and fees can never exceed the amount borrowed, for loans taken from 1 March 2025	Consumer Credit Act
Tax-free allowance when renting out a room	40,000 SEK per year	Skatteverket
Average variable mortgage rate, June 2026	2.54% to 2.81% across the 8 largest banks, published 4 September 2026	Finansinspektionen
Assumed index fund return	7% a year before a 0.2% fund fee. An assumption, not a forecast	Alternomy

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What’s coming next

More clarity, on the way.

The portal is the visible part. Behind it, we are building the tools most people never get before a big financial decision, made to be clear, independent, and on your side.

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