Nearly SEK 56bn will be credited to Sweden’s premium pension savers on 5 December, as total pension rights and occupational pension contributions for the year are expected to reach roughly SEK 729bn, according to the Swedish Pensions Agency.

This marks a rise of SEK 74bn from SEK 655bn in 2024.

Over 2025, SEK 353bn has been paid into the income pension system, while employers are forecast to contribute around SEK 320bn in occupational pension premiums.

In total, public pension rights allocated this year amount to savers to an estimated SEK 409bn.

For the income pension, which operates on a pay-as-you-go basis, SEK 353bn will be recorded across the accounts of 6,084,474 savers - an average credit of SEK 58,042 per person.

This is up from 2024, when SEK 341bn, or an average of SEK 55,988 per saver, was deposited.

The maximum contribution for the 2024 income year was SEK 91,440, based on a highest pensionable income of SEK 571,500.

Meanwhile, a total of 5,953,069 people earned premium pension rights in 2025, a slight decline from the previous year.

The temporary administration of premium pension contributions generated a positive fixed income return, increasing allocations by SEK 1.48bn, equivalent to an additional SEK 249 per saver on average.

Under Sweden’s national pension structure, 18.5 per cent of pensionable income is contributed to the public system, with 2.5 percentage points - around one-seventh - directed to the premium pension.

These funds are invested in the saver’s chosen portfolio or, by default, in AP7 Såfa.

Swedish Pensions Agency head of securities trading, Anna Gasslander, noted that "anyone wishing to review their fund choices can log in to pensionsmyndigheten.se, while those who have not made an active choice will have their funds invested in AP7 Såfa.”

Occupational pensions continue to form a central pillar of retirement provision in Sweden, with around nine in ten employees covered.

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