What the model assumes about Sweden

This page collects every Sweden-specific number the model starts from: when the state pension begins and how it behaves, what healthcare and long-term care cost, what a retired household spends, and how tax is worked out. The planner prefills each of them, and you can change any of them during setup. Amounts are in SEK at today's prices, and the same data files drive the simulation itself, so a figure you read here is the figure your plan runs on.

The state pension

Starts at 68. The planner uses this both as your default retirement age and as the start age of your state pension.

Source: Pensionsmyndigheten (2026). See it.

With inflation, minus 0.4 points a year. Your income pension in payment is recalculated each year with the growth of average incomes in Sweden, minus a fixed deduction of 1.6 percentage points. In years when the pension system's finances are strained an automatic brake can lower pensions, which happened in 2010, 2011 and 2014.

Source: Pensionsmyndigheten (2026). See it.

What a surviving partner keeps: nothing passes on. For a survivor already at pension age, the Swedish state pension pays no ongoing widow's or widower's pension. The deceased's income pension simply stops.

Source: Pensionsmyndigheten (2026). See it.

How the simulation pays and raises pensions: the income section of the technical reference. What changes at the first death: the couples section.

Healthcare

SEK 12,918 a year for each person, at 65. Health spending outside long-term care: visits, medicines, glasses, dental work and any premiums you pay yourself. The planner starts from this figure and moves it as you age. The source published SEK 8,320. The published figure averages all adult ages, so we scaled it up to what someone at 65 spends.

Source: E-halsomyndigheten and Sveriges Kommuner och Regioner (SKR) (2026). See it.

How the model ages this figure: the expenses section of the technical reference.

Long-term care

SEK 153,564 a year out of your own pocket if you need residential care. The state funds the care. You pay a capped fee plus your room and meals.

Source: Socialstyrelsen (Sweden) (2026). See it.

The model does not add the whole charge on top of your budget: the groceries, and for renters the housing, that a care home replaces are credited back. How the care model works.

What a retired household spends

SEK 6,545 + SEK 1,200/mo for one person, SEK 11,140 + SEK 1,810/mo for a couple. Essential spending plus everything-else spending, each month, excluding housing and healthcare, which the planner asks about separately. The prefills come from Konsumentverket Hushallskostnader 2026 reference budget (71+ rows), plus SCB Boendeutgifter 2024 for housing and SCB HUT 2021 for healthcare.

Source: Konsumentverket Hushallskostnader 2026 reference budget (71+ rows), plus SCB Boendeutgifter 2024 for housing and SCB HUT 2021 for healthcare (2026). See it.

What each budget covers and how spending changes with age: the expenses section of the technical reference.

Tax

The model recalculates your tax bill for every simulated year, using Sweden's own scales, allowances and thresholds for the 2026 tax year, last read on 2026-07-29. The answers are checked against their rate data. Couples are assessed together where the rules allow it.

How Sweden taxes a retirement plan lists every figure, the tax office page each one came from, and everything the model does not do there.

Everything we read

Every publication behind the pension, care, healthcare and budget figures above. The tax page carries its own references, one per figure.