The pension amount
Inkomstpension is built from a pension credit of 16% of the contribution base, under an annual ceiling. Garantipension is tapered across two bands per marital status (unmarried/married) — and against a HYPOTHETICAL calculation as if the whole contribution had been 18.5%, not the real income pension shown on this page. This page shows the credit, the ceiling and both guarantee bands.
Income pension: the credit and the ceiling
The pensionsbehållning is built from an annual pension credit (pensionsrätt) of 16% of the pensionsunderlag (contribution base), revalued each year for inheritance gains from those who die before claiming (arvsvinster), an income-index or balance-index uprating, an administration-cost deduction, and — from 2026-08-01 — an utdelningsfaktor in any year one is fixed.
Legal basis: 62 kap. 5, 9-27 §§ , socialförsäkringsbalken (2010:110)
The ceiling on income counted toward the credit is 7,50 times the inkomstbasbelopp (income base amount) — for the year covered, 83 400 kr, i.e. 625 500 kr. This is a cap on what COUNTS toward the contribution base, not a cap on the pension.
Legal basis: 59 kap. 4 § socialförsäkringsbalken (2010:110)
The delningstal (life-expectancy divisor)
The annual income pension is found by dividing the pensionsbehållning by a delningstal — a life-expectancy divisor, common for women and men, computed so the present value of expected payments equals the balance, using a fixed 1.016 interest factor and official mortality statistics.
The actual delningstal figures are fixed by Pensionsmyndighetens own regulations, not by the Act — this page shows the rule, not the table values. The Act also states no fixed validity window for the delningstal, unlike Poland's own prescribed period.
Legal basis: 62 kap. 34, 37 §§ socialförsäkringsbalken (2010:110)
Guarantee pension: against a HYPOTHETICAL income pension, not the real one
The garantipension taper is measured against a HYPOTHETICAL re-run of the income pension formula — as if the claimant's entire pension credit had been 18.5% of the contribution base (the full ålderspensionsavgift), rather than the real 16% contribution rate that inkomstpension is actually paid on. The remaining 2.5 points buy premiepension instead, a separately invested benefit this payload does not model.
This means: never compute the taper by plugging in your REAL income pension from the page above — doing so overstates the guarantee you would actually receive.
Legal basis: 67 kap. 15-16 §§ socialförsäkringsbalken (2010:110)
The two bands per marital status
| Marital status | Band 1 (up to the threshold) | Band 2 (above the threshold) |
|---|---|---|
| Unmarried | Up to 1,26 price base amounts: tapered krona-for-krona (100%) from 2,43 price base amounts. | Above it, 1,17 price base amounts, tapered at 48 % of the amount above. |
| Married | Up to 1,14 price base amounts: tapered krona-for-krona (100%) from 2,20 price base amounts. | Above it, 1,06 price base amounts, tapered at 48 % of the amount above. |
Two bands, not a floor: the first band reduces krona-for-krona, the second continues at a lower rate until the guarantee reaches zero at a certain assessment base. The Act states no explicit floor-at-zero — the arithmetic itself produces it.
Legal basis: 67 kap. 21-24 §§ socialförsäkringsbalken (2010:110)
The insurance-period requirement
Full garantipension requires at least 40 years of insurance period. Below 3 years no garantipension is paid at all — a separate gate from the proration for a shorter insurance period between these two limits.
Where the insurance period is shorter than the full 40 years, all the price-base-amount-linked figures are prorated to the ratio of the insurance period to 40.
Legal basis: 67 kap. 2, 25 §§ socialförsäkringsbalken (2010:110)
No statutory ceiling on the pension
There is no statutory ceiling on the pension itself. The only cap in this area applies to what counts toward the credit, not to the result of the divisor formula.
Legal basis: 57-64 kap. socialförsäkringsbalken (2010:110)
What this page doesn't compute
The total allmän ålderspension can also include premiepension — the remaining 2.5 percentage points of the contribution, invested in the claimant's own choice of funds via Pensionsmyndigheten, with no notional balance or delningstal. This page prices inkomstpension and garantipension only.
Legal basis: 64 kap. socialförsäkringsbalken (2010:110)