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Transfer your premium pension to your partner

På svenska

If you are married, you can transfer your premium pension entitlement to your partner. This can be a way of compensating your partner if they are at risk of receiving a lower pension.

Your pension entitlement is pension funds that you accumulate when you work and pay taxes. The pension entitlement you earn towards your premium pension is the part you can choose to transfer to your partner.

If your partner has a lower income, or has chosen to reduce their working hours, they are at risk of receiving a lower pension. In such case, transferring your premium pension to them can be a way of evening out the differences between you. One advantage of this approach is that it does not affect your finances here and now.

Transfer your premium pension entitlement

Log on using your electronic ID to request a transfer of your future premium pension entitlement.

Request a transfer

Who can transfer their premium pension?

  • You must be married or a registered partner to be able to transfer your premium pension entitlement. 
  • Cohabiting couples cannot arrange such a transfer.
  • You need to earn money towards your national public pension.

How the transfer works

  • You must register the transfer by 30 April if you want it to apply for the current year. 
  • You can only transfer your premium pension entitlement for the current year or for future years. In other words, you cannot transfer the premium pension entitlement you accumulated in previous years.
  • You can choose whether you want the transfer to apply until further notice or for one year only.
  • The entire year’s premium pension entitlement will be transferred to your partner. It is not possible to transfer only a part of the annual premium pension entitlement.
  • If you get divorced, the transfer will cease to apply automatically. 
  • You cannot reverse transfers already made to your partner. 

Number of years of transfer Amount per month if the provider’s monthly pay is SEK 22,000 Amount per month if the provider’s monthly pay is SEK 38,000 Amount per month if the provider’s monthly pay is SEK 47,700 or more

1

60 SEK

90 SEK

120 SEK

2

120 SEK

180 SEK

230 SEK

3

180 SEK

260 SEK

350 SEK

4

240 SEK

350 SEK

460 SEK

5

300 SEK

430 SEK

570 SEK

6

350 SEK

520 SEK

680 SEK

7

410 SEK

600 SEK

780 SEK

8

460 SEK

680 SEK

890 SEK

9

520 SEK

750 SEK

990 SEK

10

570 SEK

830 SEK

1 090 SEK

11

620 SEK

910 SEK

1 190 SEK

12

670 SEK

980 SEK

1 290 SEK

13

720 SEK

1050 SEK

1 380 SEK

14

770 SEK

1 120 SEK

1 480 SEK

15

820 SEK

1 190 SEK

1 570 SEK

20

1040 SEK

1 530 SEK

2000 SEK

Sample calculation

The sample calculations presented employ the Swedish Pension Agency’s rule of thumb for pension calculations. The recipient is presumed to retire at their target age and receive their first premium pension entitlement at around 30 years of age.

The target age for retirement pension is linked to the trend of the average lifespan in Sweden. For those born in 1992 in corresponds with a pension age of 69.

When the funds are transferred, your pension entitlement is reduced by 6 percent. This means the recipient receives 94 percent of your pension entitlement. If you transfer SEK 100 the recipient receives SEK 94. The difference is distributed among everyone else who has a premium pension – this is known as ‘inheritance gains’.

The transfer is usually carried out by a man to a woman. Since women, statistically speaking, are expected to live longer than men, the other pension savers must be compensated for their lost inheritance gains.

Example

A husband transfers his premium pension to his wife, which corresponds to a pension of SEK 1,000 a month for the rest of her life. The wife is expected to outlive the husband, which means this SEK 1,000 will be paid for a longer time than if the husband himself had withdrawn the funds as pension.

According to statistics, he would have passed away before she did, and the remaining pension would have been distributed to the remaining pension savers as inheritance gains. Since the wife, who is expected to live a long time, receives the money instead, all of the other pension savers lose out on any inheritance gains.

The inheritance gains system is essential to ensure that the pension will last the entire lifetime of those who live for a long time. 

If a high-income-earning man transfers his premium pension to his wife over 20 years, he would lose approximately SEK 1989 a month in premium pension for the rest of his life and the wife would gain about SEK 1870 a month in pension for the rest of her life.

The wife then receives an amount that is 6 percent lower. Since the wife is expected to live longer than the husband, she will receive benefits for a larger amount of years than her spouse.

View your registered transfers

When you log in with an electronic ID, you will be able to see transfers you have registered after 18 june 2024.View your registered transfers

Your annual statement in the orange envelope will show that the premium pension entitlement was transferred to your partner’s premium pension account. As your annual statement shows the income from your most recent tax return, it may take up to two years for your transferred premium pension entitlement to show up in the orange envelope.  

If you are the receiver of the transfer

  • If you are receiving a premium pension transfer, you will be able to see this information in the annual statement in your orange envelope. 
  • You can also see this on My Pages, under Account Transactions and My Pension Account.

Halt a transfer of premium pension entitlements

If wou wish to halt the transfer of your premium pension entitlement, you need to notify us no later than 30 April of the year in which the transfer is to commence.

Fill out the form Notice of termination of a transfer of pension entitlement. This applies if you have an ongoing transfer.

Form to halt the transfer of your premium pension entitlement

If you have requested a transfer after 18 June 2024, you can log in and use our online service to halt the transfer of your premium pension entitlement.Halt your transfer

The transfer can be stopped automatically

  • If you registered the transfer to apply for a single year, it will be stopped automatically after that year.
  • If you get divorced, the transfer will be stopped automatically from the year in which the marriage was dissolved.
  • If you die, the transfer will cease from the year following the year of your death. If the pension entitlement recipient dies, the transfer will cease from the year in which the death occurred.

Summary

  • Your pension entitlement is pension funds that you accumulate when you work and pay taxes. If your partner is at risk of receiving a lower pension, you can transfer your premium pension entitlement to them to compensate for this.
  • You can only transfer the premium pension entitlement for the current year or for future years.
  • You decide for how long you want the transfer to apply.
  • The transfer will cease automatically in the event of a divorce.
  • The Swedish Pensions Agency needs to receive your registration by 30 April of the year in which you want the transfer to begin to apply.