minPension
minPension is a Swedish digital pension-aggregation platform, jointly owned and funded by the Swedish state and approximately 30 pension companies, that provides free, independent pension overviews, forecasting, and withdrawal-planning tools to nearly 5 million registered Swedish residents via Bank-ID authentication.
- Company typePrivate
- Founded2003
- HeadquartersStockholm, Sweden
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What minPension does
minPension i Sverige AB is a Swedish digital pension-aggregation platform, structured as a 50/50 joint venture between the Swedish state (via Pensionsmyndigheten) and approximately 30 Swedish pension companies. Founded in 2003 and headquartered in Stockholm, the company operates a free, ad-free web service (minpension.se) that lets any Swedish resident authenticate via Bank-ID or Freja eID+ and view a consolidated picture of their public, occupational, and private pension entitlements. The platform's core product surface comprises Pensionsprognos (default forecast view), Intjänad pension (earned pension by type and provider), Simulatorn (life-event scenario modeling), Uttagsplaneraren (withdrawal planning for users 54+), and Pensionsstatistik (peer benchmarking). A sub-product, minPension för unga, provides a simplified interface for users under 45.
The technology layer is fundamentally an integration and orchestration platform: it ingests data feeds from ~30 connected pension actors and Pensionsmyndigheten, normalizes them into a unified schema, and applies deterministic forecasting and tax calculations. Distribution is direct-to-consumer via a responsive web application (no native app) with self-serve onboarding. Strategic partnerships with Pensionsmyndigheten, AMF, and SPV extend the platform beyond information into transactional execution, allowing users to apply for pension withdrawals directly from Uttagsplaneraren. The podcast minPensionsPodden and a content-marketing blog support top-of-funnel acquisition and brand authority.
Commercially, minPension does not charge users. Its revenue equivalent is the 50/50 funding flow from the state and the consortium of pension companies, structured as a cooperative public-private model. The service is free to the end user, which is a core part of its value proposition and a key reason it has reached nearly 5 million registered users — close to universal coverage among Swedish adults. Strategic customers in the conventional sense are the ~30 connected pension companies plus the state, who jointly own, fund, and supply data to the platform. The organization is small (11–50 employees) and recently completed a leadership transition and reorganization to expand capacity ahead of expected growth.
minPension firmographics
Firmographics- Name
- minPension
- Legal name
- minPension i Sverige AB
- Website
- https://minpension.se
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- minPension is a Swedish digital pension-aggregation platform, jointly owned and funded by the Swedish state and approximately 30 pension companies, that provides free, independent pension overviews, forecasting, and withdrawal-planning tools to nearly 5 million registered Swedish residents via Bank-ID authentication.
- Ownership category
- akta.pro rank
minPension industry classification
Industry- Product category
- Pension Information Services
- akta.pro primary industry
- Pensions & Retirement Benefits Administration (BPAIAKAA)
- akta.pro secondary industry
- Savings Automation & Goal-Based Savings (FSAGADAC)
Keywords
Where minPension is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
minPension business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Public-private funding model: minPension is funded jointly by the Swedish state and pension companies - each contributing half of the financing. This collaborative funding model enables the service to be provided free of charge to all users.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Annual | Free service for all users |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
minPension product offering
Product offeringCore offering
minPension is a free, independent digital pension aggregation platform that automatically collects and consolidates pension data from approximately 30 Swedish pension companies and the state Pensionsmyndigheten into a single unified view. It provides Swedish residents with pension forecasts, earned pension breakdowns, life-choice simulations, withdrawal planning tools, and peer benchmarking. The service is jointly funded by the Swedish state and the pension industry, ensuring neutrality and trust.
Product overview
minPension is a digital pension aggregation platform providing a unified, independent view of Swedish pensioners' total pension holdings. It is operated as a collaboration between the Swedish state and pension companies, and is free for users. The platform is structured around a portfolio of integrated tools: Pensionsprognos (Pension Forecast) is the default login view showing estimated future pension; Intjänad pension (Earned Pension) displays accrued pension by type and provider; Simulatorn (Simulator) lets users model how life changes affect their pension; Uttagsplaneraren (Withdrawal Planner) helps users aged 54+ plan and apply for pension withdrawals with tax-aware projections; and Pensionsstatistik (Pension Statistics) benchmarks the user's pension against peers. Additional offerings include minPension för unga, a simplified interface for users under 45, and minPensionsPodden, an independent podcast. All tools are accessed through the authenticated Mina Sidor (My Pages) portal, which also integrates with Pensionsmyndigheten, AMF, and SPV for direct pension applications.
Differentiator
Problem solved
Functional benefit
Brands
- minPension för unga: A specialized version of minPension for younger users (under 45) with customized information and a different starting page.
- minPensionsPodden
Products and services
- Pensionsprognos (Pension Forecast) The default screen upon login, showing an estimate of the user's future pension based on earnings so far, expected returns, economic developments, and different retirement ages. Users can view the forecast in tabular or chart format.
- Intjänad pension (Earned Pension) A section showing the pension the user has earned so far, broken down by national public pension, occupational pension, and private pension. Users can see distribution across different pension companies and how much capital they can invest themselves.
- Simulatorn (Simulator) A tool allowing users to test how different life choices affect their pensions, including changes in jobs, salaries, retirement ages, and value development assumptions.
- Uttagsplaneraren (Withdrawal Planner) A planning tool for users aged 54 and older to create and compare different pension withdrawal plans, view estimated monthly pension after tax, and generate checklists for next steps. Includes integration for direct pension applications with Pensionsmyndigheten, AMF, and SPV.
- Pensionsstatistik (Pension Statistics) A comparison tool showing how the user's pension forecast compares to others, segmented by gender, age, and collective agreements, with tips and general advice.
- minPension för unga (minPension for Young People) A dedicated starting page for users up to age 45, providing simplified and personalized pension information for younger demographics.
- minPensionsPodden (The minPension Podcast) An independent podcast hosted by minPension's pension economist and communications lead, featuring guests discussing various pension-related topics. Available on Spotify, Apple Podcasts, SoundCloud, and YouTube. No advertising is accepted.
- Mina Sidor (My Pages) The authenticated user portal providing access to all minPension tools including pension forecasts, earned pension details, the simulator, and the withdrawal planner. Users can also contact customer service and ask questions through this portal.
Quantifiable outcome
- Nearly 5 million registered users in Sweden
- +3 more outcomes
Companies that use minPension
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
minPension technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
minPension partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- SPV (Statens tjänstepensionsverk)coreSPV developed a new digital application service that can receive pension plans from minPension's Uttagsplaneraren. This enables users to transfer their planned pension withdrawal directly to SPV for processing. The partnership has also improved Uttagsplaneraren functionality to support applications for specific pension types.
- Swedish State (Pensionsmyndigheten)coreminPension is a collaboration between the Swedish state and pension companies. The state contributes through Pensionsmyndigheten, which delivers information about the public pension (allmän pension) to the platform. The state provides half of the funding for the service.
- Pension Companies (Collective)coreApproximately 30 pension actors participate in the minPension collaboration. These include Alecta, AMF, Avanza, Folksam, Folksam LO Pension, FPK, Futur Pension, Handelsbanken Liv, Idun Liv, Indecap, KPA Pension, Kyrkans pension, Kåpan Tjänstepension, Lysa, Länsförsäkringar, Movestic, Nordea, Nordnet, PP Pension, PRI, SEB, SH Pension, Skandia, SPK, SPP, Statens tjänstepensionsverk (SPV), Svenska Fribrevsbolaget, Swedbank, and VFF Pension. Each contributes pension data and half of the funding.
- AMFcoreAMF delivers pension data under payment to minPension, allowing users to see their AMF occupational pension that is currently being paid out alongside other pensions in their forecast.
- PensionsmyndighetencorePensionsmyndigheten delivers information about public pension under payment to minPension, and users can apply for public pension directly through the Uttagsplaneraren.
- AlectacoreAlecta delivers pension data under payment to minPension, enabling users who are taking out Alecta occupational pensions to see these in their complete pension overview.
- AvanzacoreAvanza delivers private pension data under payment to minPension, allowing Avanza customers to see their complete pension picture including ongoing withdrawals.
- Futur PensioncoreFutur Pension delivers occupational pension data under payment to minPension, enabling users to see their complete pension including ongoing Futur Pension withdrawals.
- VFF PensioncoreVFF Pension (for Volvo employees) delivers pension data under payment to minPension, allowing Volvo and Volvo Cars employees in Sweden to see their company pension that is being paid out.
- LysacoreLysa has connected to minPension and now delivers information about customers' occupational pensions, both during accumulation and after withdrawal, to minPension.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
minPension competitors and assessment
Company assessmentEmerging players
- Moneybox: Moneybox is a UK consumer savings and investment app that includes pension functionality (SIPP) alongside ISA and general investment accounts. It overlaps with minPension on the consumer pension decision-making experience but its model is commercial retail investment rather than information aggregation across legacy pots.
- Empower Personal Dashboard: Empower acquired Personal Capital, whose free Personal Dashboard aggregated holdings across many US accounts including 401(k)s, IRAs, and brokerages. The aggregation-plus-forecasting UX model is closely analogous to minPension's Pensionsprognos and Intjänad pension views, making it one of the clearer global functional analogues even though it operates in the US market.
Direct peers
- Smart Pension: Smart Pension is a UK workplace pension scheme administrator operating a digital platform for scheme members and employers. It shares minPension's role as a digital pension information and administration intermediary between members and underlying pension providers, though it does not aggregate cross-provider data the way minPension does.
- Penfold: Penfold is a UK pension provider with a strong digital-first onboarding and aggregation experience targeting consumers frustrated by legacy workplace pensions. It directly parallels minPension's core mission of making fragmented pension pots visible and manageable, though it operates as a single-provider pension product rather than a multi-aggregator.
- The People's Pension: The People's Pension is a large UK workplace pension scheme administrator serving millions of members through a digital portal. It parallels minPension in scale of user base and in providing digital pension information to a national workforce, but unlike minPension it is a single scheme administrator rather than a cross-provider aggregator.
- PensionBee: PensionBee is a UK-listed pension consolidation platform that aggregates multiple legacy workplace pensions into a single self-directed plan. It is the closest international conceptual peer to minPension: both serve the consumer need of consolidating fragmented pension holdings across multiple providers, though PensionBee is a commercial consolidator while minPension is a free information aggregator.
- Now:Pensions: Now:Pensions is a UK workplace pension provider running a member-facing portal for contributions, projections, and retirement planning. It is comparable in function to one of minPension's individual provider partners, and shares minPension's emphasis on member-facing digital pension administration, though it serves only its own scheme members rather than acting as a multi-provider aggregator.
Others
- Lysa: Lysa is a Swedish robo-advisor and one of minPension's named data integration partners, delivering customer occupational pension information into the minPension platform. It is a direct ecosystem participant in the Swedish pension technology stack that minPension orchestrates, though its primary offering is active portfolio management rather than aggregation or administration.
Regional players
- Keva: Keva is responsible for pension coverage of Finland's local government sector and provides a member-facing portal for pension information and forecasting. Comparable to minPension in its role as a publicly-blessed pension information provider operating in a similar Nordic welfare-state context, though it serves a specific sector rather than the full population.
- PensionDanmark: PensionDanmark is the labour-market pension provider for Danish private-sector employees, offering a member portal with consolidated pension information and planning tools. It is the closest Nordic functional analogue to minPension and operates in a similar welfare-state pension context, though it is organized as a single fund rather than an industry-wide aggregator.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat6 records
Key highlights7 records
Customer concentration
minPension social profiles
Digital presenceminPension financial estimates
Financial estimateRevenue estimate
Valuation estimate
minPension leadership team
Management profileNumber of profiles
Profiles5 records
minPension funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
minPension M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about minPension
What does minPension do?
minPension is a free, independent digital pension aggregation platform that automatically collects and consolidates pension data from approximately 30 Swedish pension companies and the state Pensionsmyndigheten into a single unified view. It provides Swedish residents with pension forecasts, earned pension breakdowns, life-choice simulations, withdrawal planning tools, and peer benchmarking. The service is jointly funded by the Swedish state and the pension industry, ensuring neutrality and trust.
Is minPension a public or private company?
minPension is a private company. It is classified as corporate owned and is currently operating.
When was minPension founded?
minPension was founded in 2003. It employs 11 to 50 people.
Where is minPension based?
minPension is headquartered in Stockholm, Sweden, in the Europe region.
How does minPension make money?
One revenue line is on record: public-private funding model.
Who are minPension's main competitors?
Emerging players on record are Moneybox and Empower Personal Dashboard. Direct peers are Smart Pension, Penfold, The People's Pension, PensionBee and Now:Pensions. Lysa is listed as an others. Regional players are Keva and PensionDanmark.
Does minPension have an API?
No public API is recorded for minPension.
What industry is minPension in?
minPension's product category is Pension Information Services. Its primary akta.pro industry code is BPAIAKAA, Pensions & Retirement Benefits Administration, with a secondary code of FSAGADAC, Savings Automation & Goal-Based Savings.