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The three pension layers

Figures for tax year 2026Updated July 2026

Swedish retirement income comes in three layers stacked on top of each other. Knowing which layer a number belongs to is the whole game, especially when you open a forecast like minPension and see one big total.

3layers in total
18.5%of income to allmän
1you track yourself

The three layers

Allmän pension
State: inkomst + premie
Tjänstepension
From your employers
Privat sparande
ISK, IPS, KF
The three layers. The combined minPension total is the sum of the first two.

Layer by layer

  1. 1
    Allmän pension
    The state layer. 18.5% of your income goes in each year (16% inkomstpension + 2.5% premiepension). Everyone who works in Sweden builds it.
  2. 2
    Tjänstepension
    Occupational pension your employers pay on top. If you have had several jobs you may have several, add them together.
  3. 3
    Private savings
    Your own ISK, IPS or KF. Entirely separate, and not included in the allmän pension figure.
Common mistake

On minPension.se the big headline total sums your allmän and tjänste pension together. Don’t paste that single number into a tool that asks for one layer, split it into the layers above first.

Source: Pensionsmyndigheten and minPension.se. Yearly figures reference the tools’ shared constants, so they stay current.

Related terms

PensionPremium pension PensionTarget retirement age CalculatorPension GUIDEHow the Swedish pension system works GUIDECan I retire early? FIRE in Sweden GUIDEPension for beginners: the three layers and what to actually do GUIDEDrawing your pension: the order and the timing