Retirement AtlasA clearer view of retirement.

Norway · NOK · Pension guide

Norwegian pensions: NAV, occupational pension & AFP

Connect your NAV and provider forecasts with a spending plan in Norwegian kroner. Explore the savings you may need before and after pension payments begin.

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01

Start with your NAV forecast

Your public retirement pension depends on your own record and when you draw it. Use NAV's planning services for a personal estimate. For this calculator, convert the forecast to a monthly amount after tax in today's kroner. Changing a start age here moves the payment; it does not update the amount in your NAV forecast.

02

Check how workplace pensions fit

Occupational pensions and AFP have their own conditions. Public occupational pension may be coordinated with NAV pension, so obtain a provider estimate that already reflects coordination. Before entering separate amounts, check whether an overview already includes NAV or AFP in its total.

03

AFP is not the same for everyone

Public-sector AFP for people born before 1963 is a temporary arrangement that cannot be drawn alongside NAV retirement pension. The newer public-sector arrangement and private-sector AFP work differently. Confirm your scheme and compatible payment periods before combining them. This calculator does not decide whether you qualify for AFP.

Using the calculator

  1. Collect NAV and provider forecasts for the same retirement scenario, and confirm any AFP entitlement separately.
  2. Enter each net monthly payment and its own start and end ages. Use zero as an end age only for payments lasting through your plan.
  3. Add accessible savings without the capital behind those pensions. Compare a longer bridge period and a lower savings return.
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Official sources & pension overviews

Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.