Pension calculator for Sweden
Estimate your state pension in Sweden: gross and net amount, retirement age and how much to save to close the gap.
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Popular questions
How much will my pension be in Sweden?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 42,900 SEK per month who keeps working until 67 can expect about 16,762 SEK net per month in today's money.
At what age can I retire in Sweden?
For someone aged 40 today the statutory retirement age is 67. Retiring earlier usually reduces the pension, and working longer increases it.
How is the state pension calculated in Sweden?
Target retirement age (riktålder) is 67. Public pension can be drawn from 64. Pension rights = 18.5% of 93% of gross salary, up to 673,038 SEK a year. Yearly pension = pension balance / annuity divisor (about 16.1 at 67). Guarantee pension up to 11,988 SEK per month for a single person, reduced as the income pension rises.
How much should I save for retirement in Sweden?
With a salary of 42,900 SEK per month, the estimated pension covers about 46.7% of your gross salary. To reach 70% you would need to save about 3,654 SEK per month, assuming a 3% real return.
How the pension is calculated in Sweden
The Swedish public pension is built from 18.5% of your pensionable income every year: 16% goes to the income pension and 2.5% to the premium pension you invest in funds. At retirement the balance is divided by an annuity divisor based on life expectancy. If the income pension is low, the guarantee pension tops it up from the target age.
- Target retirement age (riktålder) is 67. Public pension can be drawn from 64.
- Pension rights = 18.5% of 93% of gross salary, up to 673,038 SEK a year.
- Yearly pension = pension balance / annuity divisor (about 16.1 at 67).
- Guarantee pension up to 11,988 SEK per month for a single person, reduced as the income pension rises.
Examples for 2026
Person aged 40 with 15 years of contributions, retiring at the statutory age, amounts per month in today's money.
| Gross salary | Gross pension | Net pension | Share of salary |
|---|---|---|---|
| 30,000 SEK | 16,641 SEK | 14,196 SEK | 55.5% |
| 42,900 SEK | 20,031 SEK | 16,762 SEK | 46.7% |
| 60,000 SEK | 25,204 SEK | 20,706 SEK | 42.0% |
Minimum pension and retirement age
The full guarantee pension is 11,988 SEK per month for a single person in 2026 and requires 40 years of residence. The average total pension, including occupational pension, was 26,200 SEK before tax in 2025.
Frequently asked questions
What is the minimum pension in Sweden?
The full guarantee pension is 11,988 SEK per month for a single person in 2026 and requires 40 years of residence. The average total pension, including occupational pension, was 26,200 SEK before tax in 2025.
What does the calculator not include?
Occupational pension (tjänstepension, often 4.5% of salary or more), housing supplement, income pension supplement, church fee and exact municipal tax are not included.
Is this an official pension calculation?
No. It is an informational estimate based on 2026 rules published by the official sources listed on this page. For your exact entitlement, check your personal pension statement or ask the pension authority.
Sources and disclaimer
These results are an informational estimate in today's money. We use the 2026 rules and amounts published by the institutions below and check them when the rules change. Real pensions depend on your full insurance record. Occupational pension (tjänstepension, often 4.5% of salary or more), housing supplement, income pension supplement, church fee and exact municipal tax are not included.