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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 to a pension

Save when you want

Save up to NOK 15,000 a year

To get deferred taxes

To make withdrawals from the savings, tax is paid when the money is taken out

Choose a fund you want

Access to a wide selection of mutual funds

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. The money is locked to a pension

Individual pension savings (IPS):

  • 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?

Full overview of your pension in the savings app Spare

Investment video in Spare KAKEDIAGRAM 3840x3840

Spare gives you an overview of all parts of your pension, that which your employer has saved for you and what you save yourself, all in one place. The Spare app is available to everyone, including people who are not DNB customers.

Individual pension savings (IPS) FAQs


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