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IPS - individual pension savings

With IPS, you can save up to NOK 15 000 a year for your own pension and have tax deferred.

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  • Deferred tax when you save for a pension in IPS

  • Good selection of mutual funds

  • The money is locked in to a pension

What is IPS?

Individual pension savings (IPS) are savings in mutual funds where you benefit from deferred tax for the amount you save. You can decide whether you want a fixed savings scheme, or whether you want to invest money when it suits you best.

  • You can save as much as you want, but no more than NOK 15 000 a year
  • You can save from the age of 18 until you turn 75
  • The money you save is tied up until you are 62 years old
  • You receive a deduction from ordinary income for the amount you save
  • You can choose all types of mutual funds in IPS

How much will you receive from IPS?

Check how much you can receive each month as a pensioner by saving in IPS

  • Try the IPS calculator (In Norwegian only)

Move your IPS to DNB

Collect all your savings and get a full overview in the Spare app

Save for a pension without commitment

Do you want to save for retirement, but without tying up the money?

Individual pension savings (IPS) FAQs

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The savings app Spare

Spare is the app that helps you keep track of your savings.

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