Retirement pension

If you are a salaried employee in the private sector, and your employer has a collective agreement, you are entitled to a retirement pension from ITP occupational pension. You can choose to have your pension paid for life or over a shorter period. 

How much will you receive?

ITP retirement pension is a defined benefit pension. This means that today you can obtain a forecast of how much you will receive as a pension. The pension is calculated using specific percentages for different income brackets. The higher your salary, the more you will receive in the form of a pension. 

Monthly salary  

SEK Base amount

Retirement pension,
% of annual salary

Up to SEK 34,980 0–7.5 iba*
10 %
SEK 34,980–93,279 7.5–20 iba 65 %
SEK 93,279–139,918 20–30 iba 32.5 %
 * income base amounts 

If you leave your employment prior to retirement, you will receive the ITP pension that has been earned by the date payments start. 

Period of service 30 years

In order to receive maximum ITP, the period of service required is 360 months from the date of your 28th birthday. If you had another occupational pension before the period with ITP, you can include this period of service. A period of service of more than 360 months does not provide a larger pension. 

ITP from 65, 55 or 70?

Most people retire at 65, but ITP pension can be withdrawn from 55 or be postponed. There is no limit to how long you can postpone your pension. You can choose to have your pension paid for life or over a shorter period.

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