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Register directly in your time-report. In addition to you getting a higher pension, the company adds about an extra 5.7 %, which increases your future pension still further. You can see your employer’s terms & conditions at Qualification – terms and premiums.

Below you can see three different calculation examples that show how the value of a time bank conversion of SEK 10,000, calculated with assumptions of 1.5%, 3% and 4.1% in bonus interest, can be developed. The bonus rates are not guaranteed and can be both lower and higher over time. We assume that the pension is paid monthly from the age of 65 for 5 years.

The amounts depend on whether you have chosen With or Without repayment protection, as well as your age when you make the conversion;

Example 1

Year of BirthInterestAmount savedAgeWith repayment coverWithout repayment cover
20011.5%10 0002014 400 kr (240 per month)15 720 (262 per month)
19911.5%10 0003013 320 kr (222 per month)15 720 kr (240 per month)
19811.5%10 0004012 300 kr (205 per month)13 140 kr (219 per month)
19711.5%10 0005011 340 kr (189 per month)11 940 kr (199 per month)
19611.5%10 0006010 500 kr (175 per month)10 800 kr (180 per month)

Example 2

Year of BirthInterestAmount savedAgeWith repayment coverWithout repayment cover
20013%10 0002030 960 kr (516 per month)35 220 kr (587 per month)
19913%10 0003024 360 kr (406 per month)27 420 kr (457 per month)
19813%10 0004019 200 kr (320 per month)21 300 kr (355 per month)
19713%10 0005015 120 kr (252 per month)16 440 kr (274 per month)
19613%10 0006011 880 kr (198 per month)12 540 kr (209 per month)

Example 3

Year of BirthInterestAmount savedAgeWith repayment coverWithout repayment cover
20014.1%10 0002046 920 kr (782 per month)53 340 kr (889 per month)
19914.1%10 0003033 840 kr (564 per month)38 040 kr (634 per month)
19814.1%10 0004024 420 kr (407 per month)27 060 kr (451 per month)
19714.1%10 0005017 580 kr (293 per month)19 200 kr (320 per month)
19614.1%10 0006012 720 kr (212 per month)13 380 kr (223 per month)
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