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Increase your tax deduction or request an adjustment to your pension

If you are drawing a pension or plan to start drawing a pension, you need to keep track of how much tax will be deducted from your income. This is important to avoid residual tax. To avoid residual tax, you may need to increase your tax deduction or apply to the Swedish Tax Agency for a tax adjustment

If you are a pensioner, you may have several different pensions and perhaps other income as well, such as a salary if you choose to work and also draw a pension. That’s why you need to keep track of how much tax is deducted from each source of income so that total amount of tax deducted is not too low.

Change the tax deducted from your pension

Log in with an e-ID to change your tax deduction. You can add an additional deduction in kronor or as a percentage amount. You can also choose to deduct tax according to your tax table or the adjustment decision you received from the Swedish Tax Agency.

Change tax

For those without e-ID

If you don’t have an e-ID, the easiest way to change your tax deduction or submit the adjustment decision you received from the Swedish Tax Agency is to contact us via our contact form. Write to us (information i Swedish) 

How much tax is deducted from your national public pension?

If you draw your entire national public pension, you usually pay tax according to your tax table. You can find you tax table on the Swedish Tax Agencys webbsite.See your tax table

If you instead only draw a portion of your national public pension, the Swedish Pensions Agency deducts 30 per cent in tax. 

You can easily find out how much tax is deducted from your national public pension by logging in to My Pages. There you can see whether you have asked us to deduct additional tax, and you can also choose to change your tax deduction. See your payments and tax information (information in Swedish)

The Swedish Pensions Agency must deduct tax from your pension from Sweden even if you live outside Sweden. 

We will deduct preliminary tax from your payment unless we have received a different decision concerning you from the Swedish Tax Agency. 

If you live in a country other than Sweden, you can apply to the Swedish Tax Agency for special income tax (SINK). A decision on special income tax means that tax will then be deducted from your pension at either 25 per cent or 0 per cent, depending on the provisions of the tax treaty between Sweden and the country in which you live.

More information about preliminary tax and SINK, as well as how to apply for SINK, is available on the Swedish Tax Agency website. SINK – special income tax for foreign residents, Swedish Tax Agency

You are responsible for ensuring that the right tax is deducted

It is important to check that enough tax is deducted from your total income. Your pension payers do not coordinate your tax deductions – it is your responsibility to check that it is right.

Examples of when a total tax deduction may be too low:

  • If you have a high occupational pension.
  • If you have a high private pension.
  • If you live in a municipality with a high tax rate.

Main payers and tax deductions

The payer who pays the largest portion of your income is called the main payer. For many pensioners, this is the Swedish Pensions Agency, while it’s usually your employer if you are working. The main payer normally deducts taxes in accordance with your municipality’s tax table.

Other payers

The payers who pay a smaller portion of your income are called secondary payers. Your secondary payers should deduct 30 per cent in tax. For example, 30 per cent in tax is deducted from many pensioners’ occupational pension.

Columns for salaries and similar remuneration

Column 1: salaries and other remuneration that give entitlement to earned income tax credit – applies until December of the year you turn 66.

Column 3: salaries and similar remuneration that give entitlement to increased earned income tax credit, which entails a lower tax – applies from January of the year you turn 67.

Column 3 is also used for those who were born in 1937 or earlier and have an earned income.

Columns for pensions and similar remuneration

Column 2: pensions and other remuneration that give entitlement to an increased tax-free allowance, which entails a lower tax – applies from January of the year you turn 67*

Column 6: pensions and similar remuneration – applies until December of the year you turn 66*

*if the remuneration does not give entitlement to earned income tax credit or serve as a basis for the general pension contribution.

Columns for other types of income

Column 4: sickness and activity compensation – applies until December of the year you turn 66.

Column 5: pensionable income other than regular salary, such as unemployment benefit (unemployment insurance fund) – applies to those born in 1938 or later. Tax tables on the Swedish Tax Agency website (information in Swedish)

How to avoid residual tax

Here are a few simple tips to find out if you will owe residual tax for the current income year.

Add an extra tax deduction

  • Review the payment statements from all your payers and see how much tax each payer deducts.
  • Then go to skatteverket.se and calculate how much tax you should pay. Calculate your tax (information in Swedish)
  • Compare – is the tax you should pay higher than the tax your payers actually deduct? If so, you can correct this by increasing the tax deducted from your national public pension or by applying to the Swedish Tax Agency for a tax adjustment.

Apply to the Swedish Tax Agency for a tax adjustment

If you don’t have an e-ID, you can contact us via our contact form.Write to us (information in Swedish)

Check the tax deduction from your other payers

It is also important to check that all others who pay you a pension or salary deduct 30 per cent in preliminary tax. Contact the Swedish Tax Agency if you have more questions about tax. More about tax at the Swedish Tax Agency

Lower tax on pensions when you are older

From January of the year you turn 67, you pay lower taxes on your pension, as you are entitled to an increased tax-free allowance. This applies to those born between 1957 and 1959. The lower tax deduction applies from age 67, even for those who have drawn their pension earlier.

For those born in 1960, the new tax deduction on pensions applies from January of the year you turn 68. For those who were born later, no decision has yet been taken as to the age from which the lower tax will apply.

Lower tax on salary when you are older

The tax deduction from your salary varies depending on your age. If you continue to work during and after the year you turn 67, you will pay lower tax on your salary than you did in previous years. Please note that this also applies to those born between 1957 and 1959. 

For those who were born in 1960 and later, no decision has yet been taken as to the age from which the lower tax on salary will apply.

If you’re working while also drawing a pension, it means that your income consists of both salary and pension. Your income is then taxed in different ways. Your main income is taxed according to the tax table, while your other income is taxed at 30 per cent.

It is your responsibility to ensure that the right tax is deducted. You can calculate your tax deduction on the Swedish Tax Agency website, based on the current tax tables. Calculate your tax (information in Swedish)

If you want to get an idea of what your taxes may be, you can simulate different incomes, both pension and salary, on the Swedish Tax Agency website. There you can also change your year of birth to see what the tax deduction could be from the year you turn 67, based on the current tax table (or the year you turn 68 if you were born in 1960).

If you run a sole trader business and are 63 years of age or older, and you draw your entire national public pension (income and premium pension) during the entire income year (January–December), you pay lower individual contributions. You then only need to pay the old-age pension contribution, which is 10.21 per cent of your gross income. 

The same rate applies if you are self-employed, regardless of the type of business, if you turn 67 or are older during the income year. This applies regardless of whether or not you draw your national public pension. If you were born in 1960, this applies from the year you turn 68. For those born later, no decision has yet been taken as to the age from which the lower individual contributions/ employers’ social security contributions will apply.