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Pension calculator
Calculate what is set aside for your Swedish pension in 2026 – 18.5% public pension plus occupational pension – and what it may give per month.
How your pension is built up
Each year 18.5 percent of your pension-qualifying income goes to the public pension: 16 percentage points to the income pension and 2.5 to the premium pension. The qualifying income is your salary after the 7 percent general pension contribution, capped at 7.5 income base amounts – 625,500 kronor for 2026. Earnings above that give no public pension at all.
With a collective agreement the employer also pays occupational pension, in the most common agreements 4.5 percent of the salary up to 7.5 income base amounts and 30 percent on the part above. That is why the occupational pension matters most if you earn above the cap – it is then the only part that keeps growing with the salary.
The age limits follow the reference age (riktålder), which is 67 during 2026. Income and premium pension can be taken at the earliest three years before it, i.e. from 64, while guarantee pension, housing supplement and income pension supplement require you to have reached the reference age. You have the right to stay at work until 69. Postponing the withdrawal raises the monthly pension, since the same capital is spread over fewer years.
The calculation is a simplification. The income pension is not a fund but an entitlement indexed to income growth, and the Pensions Agency divides your pension by a divisor based on remaining life expectancy – not a fixed number of years. Pension already earned, guarantee pension, any private savings and future pay rises are not included. Log in at minPension.se for your actual forecast.
Source: the Swedish Pensions Agency (18.5%, reference age 67 in 2026) and the income base amount of 83,400 kr (2026). Guidance only, not pension advice.
| Item | Level | Comment |
|---|---|---|
| Public pension, total | 18,5 % | of pension-qualifying income |
| of which income pension | 16 % | indexed to income growth |
| of which premium pension | 2,5 % | invested in funds you choose |
| Cap on qualifying income | 625 500 kr | 7.5 income base amounts (83,400 kr) |
| Occupational pension, collective agreement | 4,5 % / 30 % | 30% on salary above 7.5 income base amounts |
| Reference age 2026 | 67 years | applies 2026–2031 |
| Earliest withdrawal | 64 years | income and premium pension |
| Guarantee pension | 67 years | also housing and income pension supplements |
| Right to remain at work | 69 years | under employment protection rules |
Updated for 2026 · Source: Skatteverket / SCB · About the calculations