Pension

Swedish Pension Calculator 2026

Estimate your future Swedish pension. See how public pension, occupational pension, and private savings combine to form your retirement income.

Your Details

2066
6470
SEK
15,000150,000

Most employed people in Sweden have ITP or similar occupational pension

Private Savings (Optional)

SEK

ISK, fund savings, or private pension

0%6%

Results shown in today's purchasing power. 0.4% fee deducted on occupational pension.

Estimated Monthly Pension (today's money)

17 783 SEK

40% of your current salary · 32 years until retirement

Pension sources breakdown
Public
Work
Public pension
Occupational

Public Pension

13 452 SEK

Inkomstpension10 988
Premiepension2 464

Occupational

4 331 SEK

ITP1: 4.5% up to 52 125, 30% above

Private Savings

0 SEK

Add savings above

Low replacement rate. Your estimated pension is only 40% of your current salary. Most financial advisors recommend at least 60-70%. Consider increasing your private savings or extending your working years.

Calculation Details

Current monthly salary45 000 SEK
Max pensionable salary

7.5 x IBB / 0.93 = ~56 050 SEK/month

56 050 SEK/month
ITP1 breakpoint

7.5 x IBB = 625 500 SEK/year

52 125 SEK/month
Years to retirement32 years
Accumulated public pension capital3 147 841 SEK
Accumulated occupational pension1 039 440 SEK
Total monthly pension17 783 SEK

Estimate only, in today's money. This calculator uses real returns (after inflation) so all amounts are shown in today's purchasing power. A 0.4% annual management fee is applied to occupational pension. Actual pension depends on many factors including income history, fund performance, and future policy changes. For your official pension forecast, visit minPension.se

Frequently Asked Questions About Swedish Pension

Understanding Swedish Pension

The Swedish pension system is designed to provide retirement income from multiple sources. The public pension (allmän pension) forms the base, funded by 18.5% of your pensionable income. Of this, 16% goes to inkomstpension (a notional account adjusted by the income index) and 2.5% goes to premiepension (invested in funds you choose).

For most employed Swedes, occupational pension adds a significant portion — typically 4.5% of salary below 7.5 IBB (52 125 SEK/month) and 30% above it. This is especially important for higher earners whose income exceeds the public pension salary ceiling of 56 050 SEK/month.

The typical replacement rate (pension as percentage of final salary) in Sweden is 50-65% for someone who works about 40 years and retires at 65-67. Private savings can help close the gap to maintain your lifestyle in retirement.

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