Pension system in Sweden
This information is for EU/EEA citizens only
The pension system consists of a public part, a public pension (allmän pension), which you earn when you have taxable income, an occupational pension, and you can choose to save through a private pension scheme.
The public pension - Swedish public pension (almän pension)
The Swedish general pension is made up of different parts, where most are linked to your annual taxable income
Occupational pension (tjänstepension)
In most workplaces, there are agreements between labor market partners so-called “collective treaty agreements”, which means that the employee earns an income-related pension. In Sweden, this is called a “occupational pension”. When you start working in Sweden, it is a good idea to familiarise yourself with the agreements in this connection at your workplace.
Although you earn both a public pension and an occupational pension, you can choose to supplement them with a private pension. A private pension is an optional scheme that you can draw up through your bank or pension company. Therefore, they are also the ones you should contact for more information on private pension savings.
Get an overview of your pension
At Pensionsmyndigheten (the Swedish Pensions Agency) you can get more information about the Swedish pension system. You can also find general information about the Swedish and Danish pension systems from the Øresunddirekt information center in Malmø.