Annual employer budgetEverything the employer actually pays for this employment relationship.825 928 kr/year68 827 kr/month
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Conversion basis: 1 EUR = 11,2000 SEK; 1 CNY = 1,4300 SEK.Checking the latest published rates from the European Central Bank (ECB). View source ↗For estimation only; these are not bank transaction rates.
SALARY MILESTONES
Salary thresholds
Tax, pension, and employer costs can change at certain salary thresholds.
Current monthly gross salary50 000 kr/month
PENSION · HOW IT WORKS
How does pension accrual become monthly retirement income?
Start with this year’s pension-related money, then see how it creates pension rights, accumulates until retirement, and is converted into a monthly amount before tax.
Pension-related contributions
88 260 krShare of annual employer cost 10,69 %
Statutory old-age pension fee + ITP 1 old-age pension premiumPension rights accrued this year
130 082 krPublic pension rights + estimated ITP 1 credit
Pension rights ≠ immediately withdrawable cashEstimated pension rights at retirement
4 529 224 krProjected accumulation of future accruals and existing rights
Assumes benefits start at age 67Estimated monthly pension
22 367 kr/month · before tax
Retirement-stage income tax has not been deductedRoughly how many years would it take to ‘recover’ the reference amount?
About 13,1 yearsIf the same cash amount compounded at a fixed 1.50% annual rate, the reference value at retirement would be about 3 525 273 kr
For reference only: this is a cash opportunity-cost comparison, not recoverable principal. It excludes taxes, market volatility, benefit adjustments, death, and survivor arrangements.Formula
Annual cash contributions × annuity accumulation factor + cash equivalent of existing rights × compound-growth factorAnnual cash contributions 88 260 kr;Existing rights converted at 0.678 times to 135 700 krFuture annual contributions compound to 3 313 164 kr; existing rights are compounded to a cash-equivalent value of 212 109 kr. Total 3 525 273 kr.Reference value at retirement ÷ (estimated monthly pension before tax × 12)3 525 273 kr ÷ (22 367 kr × 12) = About 13,1 yearsThe 1.50% rate is a fixed comparison assumption, not a guaranteed return. The conversion factor for existing rights is estimated as ‘cash paid this year ÷ rights accrued this year’ and is not an official valuation.Full pension breakdownPublic pension, ITP 1, accumulation assumptions, payout divisors, and official sources
01
Pension rights accrued this year
Made up of pension rights accrued this year for inkomstpension, premiepension, and ITP 1 occupational pension. They are calculated from PGI and ITP 1 pensionable salary respectively. Pension rights are not the same as cash contributions.
Total rights accrued this year130 082 kr
Details
A notional public-pension right based on lifetime earnings and derived from the year’s pensionsgrundande inkomst (PGI). It is recorded in the inkomstpension system and is not cash that can be withdrawn immediately.
PGI × 16.00%- Public-pension basis (PGI) in this calculation
- Annual gross salary × 93%= 558 000 kr The current model estimates PGI as 93% of annual gross salary and applies the 2026 maximum PGI of SEK 625,500.
- Inkomstpension rights rate
- 16.00% Pensionsmyndigheten specifies that inkomstpension rights equal 16% of the pension basis.
Details
Fund-based public-pension rights credited to the individual premiepension account, also derived from the year’s PGI. Once credited, their value changes with the selected funds or the default option.
PGI × 2.50%- Public-pension basis (PGI) in this calculation
- Annual gross salary × 93%= 558 000 kr The current model estimates PGI as 93% of annual gross salary and applies the 2026 maximum PGI of SEK 625,500.
- Premiepension rights rate
- 2.50% Pensionsmyndigheten specifies that premiepension rights equal 2.5% of the pension basis.
Details
The amount estimated to enter the old-age pension account in the ITP 1 defined-contribution occupational pension, funded by the employer’s ITP 1 premium on the employee’s monthly pensionable salary.
12 × (monthly salary up to SEK 52,125 × 4.50% + portion from SEK 52,125 to 208,500 × 30.00%) − administration fee- Monthly ITP 1 pensionable salary in this calculation
- 50 000 kr/month 4.50% applies to monthly salary up to SEK 52,125; 30.00% applies to the portion from SEK 52,125 to 208,500.
- Pension premium rates and administration fee
- 4.50% / 30.00% The administration fee is 0.55% of the monthly premium, capped at SEK 450 per year; the amount on this card is after the fee.Administration fee deducted: 149 kr
Accumulation assumptions
The projection assumes the same annual accrual as this year for the next 30 working years. All results are shown in today’s wage and price level.
Inkomstpension: assumed real growth 0.00%Premiepension / ITP 1: assumed growth 1.52% per yearExisting pension rights: assumed growth 1.52% per yearPlanned benefit start at age 6702
Estimated accumulated pension rights at retirement
These are estimated accumulated pension rights under continued-contribution and growth assumptions, not immediately withdrawable cash.
Total accumulated rights4 529 224 kr
Details
Each year’s new inkomstpension rights are accumulated over the selected working years. The growth rate brings rights from different years to the same retirement date and is only a projection assumption.
Estimated accumulated rights = annual new rights × n- Rights added each year
- 89 280 kr Uses the inkomstpension rights calculated for this year in the first section and assumes the same amount is earned in every future working year.
- Estimated working years n
- 30 years Taken from the input above; this is the period over which future rights continue to accrue or the opening balance continues to grow.
- Accumulation growth rate r
- 0,00 % This page uses 0.00% real growth so amounts remain comparable at today’s wage and price level. Actual inkomstpension is still affected by the income index, balance index, and other factors.
Details
Each year’s new premiepension rights are added and compounded over the estimated working years. The growth rate is an assumption about account-value changes during the projection, not a guaranteed return.
Estimated accumulated rights = Σₖ₌₀ⁿ⁻¹ [annual new rights × (1 + r)ᵏ]- Rights added each year
- 13 950 kr Uses the premiepension rights calculated for this year in the first section and assumes the same amount is earned in every future working year.
- Estimated working years n
- 30 years Taken from the input above; this is the period over which future rights continue to accrue or the opening balance continues to grow.
- Accumulation growth rate r
- 1,52 % This page uses a 1.52% Demo growth rate, combining the capital-return and yield-tax parameters in the projection standard. Actual fund fees and returns are not included.
Details
Each year’s new ITP 1 occupational-pension rights are added and compounded over the estimated working years. The growth rate is an assumption about pension-capital changes, not a guaranteed return.
Estimated accumulated rights = Σₖ₌₀ⁿ⁻¹ [annual new rights × (1 + r)ᵏ]- Rights added each year
- 26 852 kr Uses this year’s ITP 1 rights after the administration fee from the first section and assumes the same amount is earned in every future working year.
- Estimated working years n
- 30 years Taken from the input above; this is the period over which future rights continue to accrue or the opening balance continues to grow.
- Accumulation growth rate r
- 1,52 % This page uses a 1.52% Demo growth rate. Actual results also depend on the insurer, investment option, product fees, and survivor-protection choices.
Details
The user’s current existing pension rights are used as an opening balance and grown from today to the estimated retirement date. Unlike the first three components, this amount is not added again every year.
Estimated accumulated rights = opening existing rights × (1 + r)ⁿ- Existing rights at the start
- 200 000 kr The combined existing pension rights entered by the user; not included in rights accrued this year.
- Estimated working years n
- 30 years Taken from the input above; this is the period over which future rights continue to accrue or the opening balance continues to grow.
- Accumulation growth rate r
- 1,52 % Because the input does not distinguish public, occupational, and private pensions, this page applies the same 1.52% Demo growth rate. This is an aggregate estimate, not a formal account valuation.
Benefit conversion
The conversion shown here is ‘rights accumulated at retirement ÷ applicable payout divisor = annual pension’. In practice, different pension types represent account rights, account value, or insurance capital. Exact divisors require birth year, benefit start age, insurance product, and survivor protection; this Demo uses the stated assumptions on each card.
03
Estimated monthly pension before tax
This amount is the sum of the six estimated monthly benefit components below.
Total monthly benefits before tax22 367 kr/month · before tax
Details
Converted from accumulated inkomstpension rights in the second section. The actual amount is calculated by Pensionsmyndigheten under the applicable rules.
Monthly benefit = accumulated inkomstpension rights ÷ payout divisor d ÷ 12 months- Accumulated inkomstpension rights
- 2 678 400 kr Uses the estimated rights at retirement for this pension source from the previous stage.
- Payout divisor d
- 16.0 This page uses the Demo assumption d = 16.0. The actual inkomstpension divisor depends on factors including year of birth and the age when benefits start.
Details
Converted from accumulated premiepension rights in the second section. The actual amount varies with the account value and payout rules.
Monthly benefit = accumulated premiepension rights ÷ payout divisor d ÷ 12 months- Accumulated premiepension rights
- 525 279 kr Uses the estimated rights at retirement for this pension source from the previous stage.
- Payout divisor d
- 20.0 This page uses the Demo assumption d = 20.0. The actual premiepension divisor also reflects factors such as life expectancy, credited interest, and operating costs.
Details
Converted from accumulated ITP 1 occupational-pension rights in the second section. Actual benefits are determined by the selected insurance product.
Monthly benefit = accumulated ITP 1 occupational-pension rights ÷ payout divisor d ÷ 12 months- Accumulated ITP 1 occupational-pension rights
- 1 011 077 kr Uses the estimated rights at retirement for this pension source from the previous stage.
- Payout divisor d
- 20.0 This page uses the Demo assumption d = 20.0. The actual conversion depends on the insurer, payout period, investment option, fees, and survivor-protection choices.
Details
Converted from the projected value of existing pension rights entered by the user. In practice, each account must be claimed separately under its system or insurance product.
Monthly benefit = accumulated existing pension rights ÷ payout divisor d ÷ 12 months- Accumulated existing pension rights
- 314 469 kr Uses the estimated rights at retirement for this pension source from the previous stage.
- Payout divisor d
- 20.0 Because the input does not distinguish public, occupational, and private pensions, this page applies d = 20.0 throughout. This is a model simplification, not the official divisor for any account.
Details
Basic protection for people with a low income-based public pension, financed from the state budget rather than converted from an individual account balance. This page estimates the standard scenario of an unmarried person with 40 years of residence in Sweden and no foreign pension. It is not payable during long-term residence in China after retirement.
If the basis ≤ 6,216: monthly benefit = 11,988 − calculation basis; if the basis > 6,216: monthly benefit = max[0, 5,772 − 48% × (calculation basis − 6,216)]- Pension calculation basis
- 17 449 kr /month This Demo uses the estimated monthly amounts from inkomstpension, premiepension, and existing pension rights. ITP 1 is excluded. Because the source of existing rights is not split, all of it is temporarily included, which may produce a conservative result.
- Civil status and years of residence
- Single; 40 years The page does not yet collect civil status, years of residence in Sweden, or foreign pension income, so it uses the standard Demo scenario.
- 2026 price base amount (prisbasbelopp, PBB)
- 59 200 kr /year The guarantee-pension bands and maximum amount are derived from the annual price base amount.
Details
A supplementary state-budget benefit for certain ranges of income-based public pension. The amount is determined by the statutory 2026 band for the pension calculation basis and the number of qualifying years. It is not payable during long-term residence in China after retirement.
Monthly benefit = 2026 annual band amount ÷ 12 months × min(pensionable years ÷ 40, 1)- Pension calculation basis
- 17 449 kr /month This Demo uses the estimated monthly amounts from inkomstpension, premiepension, and existing pension rights. ITP 1 is excluded. Because the source of existing rights is not split, all of it is temporarily included, which may produce a conservative result.
- 2026 annual band amount
- 3 900 kr /year Determined by the annual band in PFS 2025:4 that contains the pension calculation basis; the amount is 0 outside the table range.
- Pensionable-income years
- 40 years People born in 1945 or later need 40 qualifying years for the full band amount; this Demo assumes 40 years.
This is an explainable projection chain, not a formal pension forecast.
Actual inkomstpension is also affected by income or balance indexation, inheritance gains, and administration costs. Premiepension and ITP 1 depend on investment choices, fees, tax, survivor protection, and insurer rules.