Retirement AtlasA clearer view of retirement.

Sweden · SEK · Pension guide

Sweden retirement calculator

Bring together your allmän pension, tjänstepension and accessible savings. Explore the difference between a lifetime payment and a pension that ends after a few years.

Understand the pension system
SE / SEKMethodology

02Your retirement, in view

Today's money

Worked example. Change the inputs to explore your plan.

Accessible savings at retirement · 65

SEK 2,353,664

Today's money · After tax, in today's money.

Monthly gap · first retirement yearSEK 24,000
Savings needed at retirementSEK 6,543,173
Additional savings neededSEK 4,189,509

At retirement, under these assumptions. This is not an extra monthly contribution.

Your accessible savings over time

Today's money
Your accessible savings over time · SEKThe annual table below contains the same projection.0588.4k1.2m1.8m2.4m4558708395
Projected savings balance · SEKRetirement · 65

The first spending shortfall appears around age 73.9. Later pension payments may change the gap.

Pensions are set to zero. Add your estimates to include them.

See the year-by-year breakdown
All amounts after tax, in today's money. Age is at year end. Pension surplus is not reinvested.
Age at year endPhaseSavings addedReal growthPension incomeSavings withdrawnUnfunded spendingSavings left
46SavingSEK 36,000SEK 19,930SEK 0SEK 0SEK 0SEK 1,055,930
47SavingSEK 36,000SEK 21,027SEK 0SEK 0SEK 0SEK 1,112,957
48SavingSEK 36,000SEK 22,145SEK 0SEK 0SEK 0SEK 1,171,102
49SavingSEK 36,000SEK 23,285SEK 0SEK 0SEK 0SEK 1,230,387
50SavingSEK 36,000SEK 24,448SEK 0SEK 0SEK 0SEK 1,290,835
51SavingSEK 36,000SEK 25,633SEK 0SEK 0SEK 0SEK 1,352,468
52SavingSEK 36,000SEK 26,841SEK 0SEK 0SEK 0SEK 1,415,309
53SavingSEK 36,000SEK 28,074SEK 0SEK 0SEK 0SEK 1,479,383
54SavingSEK 36,000SEK 29,330SEK 0SEK 0SEK 0SEK 1,544,713
55SavingSEK 36,000SEK 30,611SEK 0SEK 0SEK 0SEK 1,611,324
56SavingSEK 36,000SEK 31,917SEK 0SEK 0SEK 0SEK 1,679,241
57SavingSEK 36,000SEK 33,249SEK 0SEK 0SEK 0SEK 1,748,489
58SavingSEK 36,000SEK 34,606SEK 0SEK 0SEK 0SEK 1,819,096
59SavingSEK 36,000SEK 35,991SEK 0SEK 0SEK 0SEK 1,891,087
60SavingSEK 36,000SEK 37,403SEK 0SEK 0SEK 0SEK 1,964,489
61SavingSEK 36,000SEK 38,842SEK 0SEK 0SEK 0SEK 2,039,331
62SavingSEK 36,000SEK 40,309SEK 0SEK 0SEK 0SEK 2,115,640
63SavingSEK 36,000SEK 41,806SEK 0SEK 0SEK 0SEK 2,193,446
64SavingSEK 36,000SEK 43,331SEK 0SEK 0SEK 0SEK 2,272,777
65SavingSEK 36,000SEK 44,887SEK 0SEK 0SEK 0SEK 2,353,664
66RetirementSEK 0SEK 43,571SEK 0SEK 288,000SEK 0SEK 2,109,235
67RetirementSEK 0SEK 38,778SEK 0SEK 288,000SEK 0SEK 1,860,013
68RetirementSEK 0SEK 33,892SEK 0SEK 288,000SEK 0SEK 1,605,905
69RetirementSEK 0SEK 28,909SEK 0SEK 288,000SEK 0SEK 1,346,814
70RetirementSEK 0SEK 23,829SEK 0SEK 288,000SEK 0SEK 1,082,643
71RetirementSEK 0SEK 18,649SEK 0SEK 288,000SEK 0SEK 813,292
72RetirementSEK 0SEK 13,368SEK 0SEK 288,000SEK 0SEK 538,660
73RetirementSEK 0SEK 7,983SEK 0SEK 288,000SEK 0SEK 258,643
74RetirementSEK 0SEK 2,497SEK 0SEK 261,140SEK 26,860SEK 0
75RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
76RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
77RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
78RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
79RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
80RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
81RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
82RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
83RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
84RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
85RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
86RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
87RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
88RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
89RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
90RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
91RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
92RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
93RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
94RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0
95RetirementSEK 0SEK 0SEK 0SEK 0SEK 288,000SEK 0

Educational estimates. Not personal financial advice. Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.

An example: when a temporary pension ends

Imagine spending SEK 24,000 a month from age 67, with SEK 14,000 public pension and SEK 6,000 occupational pension after tax. Savings cover SEK 4,000 a month. If the occupational payment ends at 75, the gap becomes SEK 10,000, an additional SEK 72,000 a year. These invented amounts illustrate timing, not typical pensions or a legal retirement age.

Understand the pension system

Sweden

Common questions

Is this connected to minPension?

No. You enter your own estimates. There is no login, access to pension records or automatic import. Check each provider's payment dates and use the same after-tax, today's-money basis throughout.

Does changing the start age recalculate my pension amount?

No. It only changes when your entered payment begins. Obtain a new pension forecast for a different withdrawal age and update the amount too. The calculator does not reproduce Sweden's pension accrual or conversion formulas.

How should I model several occupational pensions?

Combine payments only if they share the same start and end ages and use the same money basis. You can use the other-pension field for a second schedule. More than three distinct payment schedules need separate scenarios or a more detailed plan.

Methodology · 1.0

Methodology

One consistent money basis

All inputs and results use today's purchasing power. Enter net pension payments and spending after tax. The net return is nominal, after investment taxes and fees. Monthly real growth factor = ((1 + net return / 100) / (1 + inflation / 100))^(1/12). Savings contributions remain constant in real terms and arrive at month-end until retirement.

How the income gap is funded

From retirement, the monthly gap is max(0, spending − active pension payments). Savings grow first, then a month-end withdrawal funds the gap up to the available balance. Excess pension income is not reinvested. The capital needed at retirement is the sum of these future gaps discounted at the monthly real return; no future pension is borrowed against.

What the estimate leaves out

Amounts stay constant in real terms: the model assumes payments keep pace with inflation, which your actual pension may not do. Ages use whole years; no calendar dates, pension accrual, changing taxes, benefit offsets, future lump sums, market volatility or inheritance target are modelled. Income before your entered retirement age is excluded. Changing a start age does not recalculate the payment amount. Only combine streams that share the same dates.

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.