Everything about the pension system for egenföretagare: income pension, premium pension, guarantee pension, egenavgifter and optimisation.
The Swedish system is built on three components: inkomstpension (NDC), premiepension (funded) and garantipension (safety net).
16% of earnings go into a notional defined contribution (NDC) account. The pension depends on total accumulated contributions, divided by estimated life expectancy at retirement. Minimum age is 63 for inkomstpension.
2.5% of earnings are invested in funds chosen by the contributor. Self-employed choose from about 500 funds registered with Pensionsmyndigheten.
Safety net for residents who have lived 40 years in Sweden. About €900/month (2024) for a single person with no other pension. Available from age 66 (67 from 2026).
Without active choice, contributions are invested in AP7 Såfa, the state-managed default fund, which has historically outperformed the average actively managed fund.
Unlike Swedish employees who receive tjänstepension (occupational pension) worth ~4.5% of salary, self-employed workers have no automatic entitlement. This gap can represent 30-40% of an employee's total pension.
Since 2016, tax deductions for private pension savings have been heavily reduced in Sweden. Self-employed must therefore rely primarily on inkomstpension and premiepension, supplemented by non-deductible savings (ISK, kapitalförsäkring).
Actively select your premium pension funds rather than staying with AP7 Såfa. Diversify across equities, bonds and international markets to maximise long-term returns.
Take out private pension insurance (privat pensionsförsäkring) to compensate for the lack of tjänstepension. Compare offers from Skandia, Folksam, SPP or Avanza Pension.
The Investeringssparkonto (ISK) is tax-advantaged: flat-rate taxation on account value rather than capital gains. Ideal for building a retirement supplement.
Each year of deferral beyond 66 significantly increases the NDC pension through the life expectancy divisor. Working until 68-70 can increase the pension by 20-40%.
Our financial analysis tools help you fill the tjänstepension gap and optimise your egenföretagare retirement strategy.
Discover our solutionsInkomstpension is available from age 63, guarantee pension from 66 (67 from 2026). There is no mandatory retirement age: deferring retirement significantly increases the pension.
Total egenavgifter are about 28.97% of income. The pension-relevant portion is about 17.21%, split between inkomstpension (16%) and premiepension (2.5%). A 7.5% tax reduction lowers the net cost.
No, unlike employees, self-employed workers do not automatically receive tjänstepension. This gap potentially represents 30-40% of total pension and must be filled through private savings or pension insurance.
AP7 Såfa is the default premium pension fund managed by the state. It has historically performed well with very low fees. Active fund choice may be relevant for experienced investors, but AP7 Såfa remains an excellent default.
Several options: take out privat pensionsförsäkring, save via ISK (Investeringssparkonto) with advantageous flat-rate taxation, or invest in kapitalförsäkring. Combining these vehicles allows you to replicate the equivalent of tjänstepension.
Generate a complete professional business plan powered by artificial intelligence.
Automatically draft your company's legal statutes with AI.
Evaluate your business creation project viability with a personalized AI analysis.