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Recommended retirement age – when can I start drawing my national public pension?

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The recommended retirement age is a pension age that is adjusted in accordance with the average life expectancy – so that pensions do not decrease when we live longer. It’s not mandatory, but does affect the earliest age at which you can draw your income pension and premium pension, and when you may be entitled to a guarantee pension and housing supplement.

When can I draw my national public pension?

  • The earliest you can draw your income pension and premium pension is three years before your recommended retirement age.
  • The earliest you may be entitled to a guarantee pension, income pension complement, housing supplement or income support for the elderly is your recommended retirement age.

What is my recommended retirement age?

Your recommended retirement age is determined based on the year you were born.

When life expectancy increases, the same pension must cover a greater number of years, resulting in lower monthly amounts. The recommended retirement age has been introduced to ensure that pensions do not decrease when we live longer.

The retirement age is set six years before it takes effect. This gives you plenty of time to plan for your retirement. For example: the recommended retirement age that apples from 2026 until 2031 is 67. It was set between 2020 and 2025.

Forecast for your recommended retirement age – if you were born in 1965 or later

If you were born in 1965 or later, there is a forecast for what your recommended retirement age may be. New forecasts are made every year, based on life expectancy in Sweden – the longer we live, the higher the recommended retirement age.

Lower tax on pensions – how it works

When you reach a certain age, you automatically pay lower tax on your pension, an ‘increased basic deduction’. You don’t have to apply – it’s already included in the Swedish Tax Agency’s tax tables. The tax reduction is automatic from January of the year you reach the appropriate age – regardless of when you start drawing your pension. Tax on pensions

How working longer affects your pension

Working part-time while also drawing a pension can lead to a higher pension than stopping work altogether. But the biggest benefit is often the salary you receive – not the increase in your pension.

If you work full-time for one additional year after the age of 66, you can receive SEK 1 500–1 800 more per month in pension before tax for the rest of your life. This applies to both the national public pension and the occupational pension.

Do you mainly receive a guarantee pension? If so, working longer doesn’t always result in a higher pension.

Make a plan before drawing your pension

If you will start drawing your pension soon, it may be a good idea to start planning. The withdrawal planner tool on the minpension.se website helps give you an overview of all your pensions. There you can see how different withdrawal options affect your future finances.

Make a plan using the withdrawal planner tool