Pension
Pension for self-employed workers and freelancers
As a self-employed worker, you are responsible for long-term saving. WorkNode makes it easier to set money aside as you invoice.
01
How pension saving works
When freelancing through self-employment, you remain responsible for long-term saving. WorkNode lets you make allocations in step with your invoicing.
Basic social insurance follows Swedish self-employment rules. Optional pension saving can be activated as an allocation per invoice in the platform.
See how salary is calculated02
Three reasons to save regularly
Potentially tax-efficient
An allocation from the gross salary basis before preliminary tax can have a different tax effect from saving net salary. Individual outcomes vary.
In step with invoicing
Set a percentage per invoice and let saving follow your income instead of waiting until year-end.
You choose the level
Many freelancers start around 10–20%, but the appropriate level depends on age, finances, and invoicing.
03
What should you consider?
- Occupational pension equivalent to permanent employment is not automatically included.
- Compare pension allocations with other forms of saving and your overall finances.
- Use the calculator to see how an allocation may affect estimated net salary.
COMMON QUESTIONS
FAQ: pension and self-employment
- Is occupational pension included in WorkNode FLEX or PRO?
Basic social insurance follows Swedish self-employment rules. Optional pension saving can be activated as an allocation per invoice.
- How much should I save for retirement?
There is no universal level. Many freelancers allocate 10–20% of income, but you should adjust for your age, finances, and invoicing and seek individual advice when needed.
See how pension saving affects salary
Enter an invoice amount and test different allocation levels in the calculator.