minPension

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.

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

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

• Pension aggregation services
• Retirement planning platform
• Pension forecasting tools
• Pension data integration
• Pension information services

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core 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

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Ten partnerships are on record, tiered core.

• SPV (Statens tjänstepensionsverk)coreStrategic or Co-development Partner · 4 November 2024SPV 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)coreStrategic or Co-development PartnerminPension 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)coreStrategic or Co-development PartnerApproximately 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.
• AMFcoreTechnology or IntegrationAMF 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.
• PensionsmyndighetencoreTechnology or IntegrationPensionsmyndigheten delivers information about public pension under payment to minPension, and users can apply for public pension directly through the Uttagsplaneraren.
• AlectacoreTechnology or IntegrationAlecta delivers pension data under payment to minPension, enabling users who are taking out Alecta occupational pensions to see these in their complete pension overview.
• AvanzacoreTechnology or IntegrationAvanza delivers private pension data under payment to minPension, allowing Avanza customers to see their complete pension picture including ongoing withdrawals.
• Futur PensioncoreTechnology or IntegrationFutur Pension delivers occupational pension data under payment to minPension, enabling users to see their complete pension including ongoing Futur Pension withdrawals.
• VFF PensioncoreTechnology or IntegrationVFF 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.
• LysacoreTechnology or IntegrationLysa 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

Emerging 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

• YouTubeyoutube.com/results?search_query=minPensionsPodden
• Facebookfacebook.com/minPension
• LinkedInlinkedin.com/company/min-pension-i-sverige-ab/?viewAsMember=true
• Instagraminstagram.com/minpension
• Xx.com/minpension

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about minPension