Can I draw a pension and keep working in Sweden?
Yes — and you may work and draw a pension at the same time. Pension ages now follow the target retirement age, which is 67 in 2026. You may draw your public pension from age 64 in 2026 (the target age minus three). The guarantee pension, housing supplement and income-pension supplement you can get from the target age, that is 67. The full guarantee pension in 2026 is about 11,988 kr a month before tax for a single person and requires 40 years of residence in Sweden. Under the Employment Protection Act you have the right to stay in your job until the end of the month you turn 69.
📋 The rules
- Public pension from earliest age 64 in 2026
- Guarantee pension from earliest target age 67
- Full guarantee pension ~11,988 kr/month (single, before tax)
- You may work and draw a pension at the same time
- Right to stay in the job until the month you turn 69
🔓 Exceptions
- The guarantee pension is residence-based — full level needs 40 years' residence
- The guarantee pension is reduced by other pension income
- Exact age limits depend on your year of birth
⚠️ Penalties & fines
Drawing the pension early permanently lowers the monthly pension. Wrongly paid guarantee pension or housing supplement leads to repayment and can be benefit fraud.
📎 Official sources
- Pensions Agency · Pension ages and target age →
- Pensions Agency · Guarantee pension →
- Employment Protection Act (1982:80) · Riksdagen →
❓ Frequently asked
How early can I draw a pension?
The public pension from age 64 in 2026. The guarantee pension you can get only from the target age, 67.
Can I work while drawing a pension?
Yes. You may work and draw a pension at the same time, and you keep earning pension rights.
How long can I stay in my job?
You have the right to stay until the end of the month you turn 69 under the Employment Protection Act.
How much is the guarantee pension?
The full guarantee pension in 2026 is about 11,988 kr a month before tax for a single person.
What happens if I draw the pension early?
The monthly pension becomes permanently lower because it must last over more years.
🔎 Common searches
What people search to land here:
- “when can I draw a pension sweden”
- “pension age 64 2026”
- “target age 67 sweden”
- “guarantee pension amount 2026”
- “work and draw pension sweden”
- “stay in job until 69”