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People walking on the strip in Gothenburg harbour
Göran Assner

Swedish pensions

If you work and pay tax in Sweden then you will earn a Swedish retirement pension. You are entitled to the pension even if you live in another country.

The Swedish retirement pension is made up of several components: income pension (inkomstpension), premium pension (premiepension), occupational pension (tjänstpension) and private pension (eget sparande).

Every year 18.5% of your salary is set aside for your basic national retirement pension (allmänna pensionen). 16% goes to your income pension and 2.5% to your premium pension.

Good to know

Most workers in Sweden receive additional occupational pension contributions from their employer. Many people also choose to make private contributions into their private pension. 

Even if you move to another country, you will keep your Swedish retirement pension. You apply for your pension through the Swedish Pensions Agency. For more information, visit the Swedish Pensions Agency's website:

Swedish Pensions Agency - How to apply if you live outside Sweden

Sweden also has a so called guaranteed pension (garantipension) for people with low or no income pension. If you have a guaranteed pension you will only keep it if you move to another EU or EEA country, Switzerland, and in some cases Canada.


Looking for savings and pension solutions?

SPP is a providing partner of the Move to Gothenburg initiative. The company offers a wide range of savings and pension solutions for businesses and individuals. Learn more: 


For more information about pensions in Sweden, visit the Swedish Pensions Agency website and Information om Sverige - Pensions.   


The benefits of moving to the Gothenburg Region, West Sweden