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For pensioners

When you have a pension payment from the Swedish Pensions Agency, there are a few things that you need to know about.

There are several services for pensioners, for example an overview where you can see when your pension will be paid, how much you will be paid and how much tax will be deducted. It is also important that you report changes that may affect your pension.

Report changes that affect your Swedish pension

If there is an economic change that affects your Swedish pension, for example that you become a cohabitating partner, move from Sweden or if you receive a new or changed pension from a country other than Sweden, you yourself must report this to us. If you receive too much pension, you may become liable to reimburse it.

The Swedish Pensions Agency regularly checks your data against, for example, the Swedish Tax Agency and various occupational pension companies, but you yourself are responsible for notifying us if there has been a change. You can report changes by contacting our customer service.

Pensioner’s certificate to receive pensioner discount

If you take out a general pension before the age of 65, you can use a pensioner's certificate to take advantage of discounts, for example for public transport and admission to various events. The pensioner’s certificate is valid within Sweden.

Order a pensioner's certificate (the page is in Swedish)

When will your pension be paid out?

Your Swedish pension will be paid out once a month to the bank account that you have reported to us. If you are receiving other payments such as survivor’s pension, housing supplement or financial support for the elderly they are paid out at the same time. If you are born between 1-15 of the month, you will receive your pension on the 18th and if you are born between 16-31 a month, you will receive your pension on the 19th, provided that the 18th and 19th are weekdays.

If you receive payments to a bank account in a country other than Sweden, the payment may take up to five business days. The first time you receive your pension payment, you will receive a payment statement showing how big your national public pension will be. You will also know how much tax will be deducted, what parts are included in your pension and payday. Since your general pension consists of different parts, you can receive separate statements for e.g. income pension, premium pension, survivor's pension and housing supplement.

Tax deductions on pension and salary

You yourself are responsible for ensuring that enough tax is deducted from your total income. The more payers you have, the greater the risk is that the total tax deduction will be too low.

Find out what tax is deducted

You can see on your payment statement how much tax the Swedish Pensions Agency deducts from your pension each month.

Missing your statement of earnings and deductions?

From the income year 2019, you will not receive an annual income statement (statement of earnings and deductions) from the Swedish Pensions Agency. This is due to new rules for us and most other organisations that have previously provided statements on salary, pension and other benefits.

You have received information about payments from us by letter. You can also see them if you log in here on our website using an e-ID that is approved in Sweden. If you want to see all of your payments, log in to the Swedish Tax Agency.

How do I avoid residual tax?

Get payment statements from your pension payers and see how much tax each payer deducts. At skatteverket.se you can make a calculation and see how much tax you should pay.

Calculate your tax at the Swedish Tax Agency (in Swedish)

If the tax you owe will be higher than the tax your payers currently deduct, you can correct it yourself by doing one of the following two things:

  • Request an increase in your tax deduction on the pension payment from the Swedish Pensions Agency via the Change Tax service. Log in to My pages with an e-ID that is approved in Sweden.

    Change tax on your pension (in Swedish)

  • Apply to the Swedish Tax Agency for a tax adjustment.

Lower tax on income from age 66

If you live in Sweden and continue to work instead of taking out a pension, you will pay lower tax on your salary than you have done in previous years. The lower tax applies from the year when you turn 66 and is automatically adjusted by your main employer. The reason for the lower tax is because you get an increased job tax deduction and an increased basic deduction on your salary from the year when you turn 66.

Tax on your national public pension will also be lower from the year when you turn 66. The lower tax applies from this year regardless of when you start to take out your pension.