PENSIONS · UPDATED JULY 2026
Sweden Pension & Tjänstepension Calculator
Estimate your future Swedish retirement wealth and monthly income. Find out how your fund return rates and occupational pension (tjänstepension) plans compound over time, and see the exact tax benefit of possible salary swaps (löneväxling).
1. Profile & Timeline / Profil & Tidslinje
2. Rates & Return / Räntor & Avkastning
3. Tjänstepension & Swap / Tjänstepension & Löneväxling
Your gross salary swap amount. Requires salary > SEK 57,327/month to benefit in 2026.
Sweden Pension Calculator Formulas
This calculator projects your state and occupational pension using compound interest formulas:
- State Pension: Assumes 18.5% pensionable income up to 8.07 income base amounts (SEK 53,463/month in 2026).
- Tjänstepension (ITP1): Assumes 4.5% up to SEK 49,688/month, and 30% on salary parts above this limit.
- Salary Swap Bonus: Multiplies your swap amount by 105.8% due to lower payroll taxes.
- Inflation Adjustments: Future totals are discounted by the inflation rate to show real buying power.
Fill in your profile details and click Calculate Future Pension to see your personal results.