For how the calculation works, the formula behind it and what it leaves out, see the full guide.
Data sources
- Current
Swedish consumer finance conventions
Effective 2026-01-01 onward · retrieved 2026-08-30
Sweden replaced a fixed pension age with a target age that moves with life expectancy.
How we checked these figures
Pensionsmyndigheten publishes the target retirement age, which is 66 for 2026.
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CentExact Editorial · Research & verification
Every CentExact calculator is built from the published finance formula, tested against spreadsheet, lender and tax-authority figures, and reviewed when the underlying rates or rules change.
How we build and test our calculatorsThis calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.