PENSIONS · UPDATED 2026

Swedish Pension & Occupational Retirement 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).

📖Full guide: The Expat Guide to the Swedish Pension System

1. Profile & Timeline / Profil & Tidslinje

Current Age / Nuvarande ålder (years)

Retirement Age / Pensionsålder (years)

Monthly Gross Salary / Månadslön brutto (SEK)

Current Pension Savings / Nuvarande pensionskapital (SEK)

2. Rates & Return / Räntor & Avkastning

Annual Fund Return / Årlig fondavkastning (%)

Annual Salary Growth / Årlig löneökning (%)

Expected Inflation / Förväntad inflation (%)

3. Occupational Retirement & Swap / Occupational Retirement & Salary Exchange

Occupational Pension / Occupational Retirementsmodell

Custom Contribution Rate / Egen avsättning (%)

Monthly Salary Swap / Salary Exchange per månad (SEK)Your gross salary swap amount. Requires salary > SEK 57,327/month to benefit in 2026.

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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).
Occupational Retirement (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.

Metric / Mätetal	Value / Värde	Notes / Kommentar
Total Pot (Nominal) / Totalt kapital (nominellt)	SEK 0	Your projected total wealth at retirement age
Real Pot (Inflation-Adjusted) / Totalt kapital (realt)	SEK 0	Future pot adjusted to today's buying power
Active Work Period / Sparhorisont	0 years	Years remaining until retirement

Payout Strategy / Utbetalningstyp	Monthly Net (Before Tax) / Månadsbelopp	Assumed Horizon / Period
Lifelong Annuity / Livslång utbetalning	SEK 0 /mån	Until death (div. by 240 months / 20 years)
10-Year Fixed / 10 års utbetalning	SEK 0 /mån	Paid over exactly 120 months
5-Year Accelerated / 5 års utbetalning	SEK 0 /mån	Paid over exactly 60 months

Salary Swap Parameter	Amount / Impact	Notes
Nominal Monthly Swap	SEK 0	Your gross monthly deduction
Actual Monthly Investment	SEK 0	105.8% of swap (employer 5.8% pension tax bonus)
Extra Pot at Retirement	SEK 0	Additional nominal capital accumulated

Understanding Your Swedish Pension & Payouts

Swedish retirement savings consist of three pillars: national pension (allmän pension), occupational pension (tjänstepension), and private savings. Setting up your projection helps you verify that you meet the threshold for pension salary swaps (löneväxling) and understand how lifelong versus short-term payouts impact your net retirement income.

Frequently Asked Questions (FAQ)

How is my Swedish state pension calculated?

Your state pension (allmän pension) accumulates at a rate of 18.5% of your annual pensionable income. 16% goes to your inkomstpension (pay-as-you-go system) and 2.5% is invested in your choice of funds for your premiepension (PPM).

What is collective occupational pension (tjänstepension) under ITP1?

For employees covered by the ITP1 collective agreement born in 1979 or later, employers contribute 4.5% of gross monthly salary up to 7.5 income base amounts, and 30% of the salary portion above that limit.

Disclaimer: Estimates are for informational purposes based on 2026 regulations and rates. Official decisions rest with Skatteverket, Försäkringskassan, and relevant authorities.