Sweden Retirement Calculator / Pensionskalkylator
Plan your Swedish retirement with our calculator designed for Sweden's pension system. Includes allmän pension, tjänstepension, and private pension savings strategies (PPM and ISK).
Calculate income pension (inkomstpension) and premium pension (premiepension) from Swedish state system.
Plan workplace pension contributions (typically 4.5% of salary) and understand ITP, SAF-LO, or PA schemes.
Optimize ISK (Investeringssparkonto) and pension insurance for tax-efficient retirement savings.
Public Pension (Allmän Pension)
- ✓ Income pension (inkomstpension) - 16% of salary
- ✓ Premium pension (premiepension) - 2.5% to PPM
- ✓ Flexible retirement age (62-68)
- ✓ Guarantee pension (garantipension) for low earners
- ✓ Pension based on lifetime earnings
- ✓ Automatic indexation for inflation
Occupational & Private Pensions
- ✓ Tjänstepension (ITP, SAF-LO, PA schemes)
- ✓ Employer contributions (4.5-30% of salary)
- ✓ ISK (Investeringssparkonto) tax-efficient investing
- ✓ Private pension insurance (privat pensionsförsäkring)
- ✓ Endowment insurance (kapitalförsäkring)
- ✓ Tax relief on private contributions
Pension Age / Pensionsålder
65
standard
Life Expectancy / Förväntad livslängd
83
years / år
Inflation / Inflation
2.2%
average / genomsnitt
Pension Contribution
18.5%
of salary / av lön
Vanliga Frågor - Swedish Pension FAQs
När kan jag gå i pension i Sverige? / When can I retire in Sweden?
You can start taking allmän pension from age 62, but full benefits typically start at 65. Many Swedes work until 65-67. Our calculator helps determine the optimal retirement age.
How much pension will I get in Sweden?
Swedish pension depends on lifetime earnings. Average pension is kr 18,000/month, but varies significantly. Tjänstepension typically adds 10-30% more on top of allmän pension.
What is PPM in Sweden?
PPM (Premium Pension) is the 2.5% portion of allmän pension you can invest yourself through fund choices. Your selection can significantly impact your retirement income.