For freelancers, sole trader companies (ENK) or those only employed by their own private limited company (AS).
Being self-employed has its benefits, but in terms of pensions, it’s not a major advantage. To ensure you get a retirement pension in addition to the National Insurance Scheme it’s therefore up to you to sort this out.
You can establish a defined-contribution pension agreement and save up to 7% of your salary up to 12 G.
This is a form of saving that is best suited to self-employed people, freelancers, people with sole proprietorships or who run a business alongside their job.
When you establish a pension agreement with us, you will also receive an insurance policy called Waiver of contribution. This ensures that savings continue until you become 67 years old if you should become incapacitated to work after 12 months of sick leave.
Has been self-employed. (PDF, file.anchor.en.label)Open the file in a new tab
In the Spare app you can start pension savings yourself with mutual funds and shares. You can also buy, sell and switch equity funds and shares as you go.
as of 1 May 2025 is NOK 130 160.
One of the best benefits you can give your employees
Package covering the statutory requirements
Ensures payment in the event of long-term illness or disability
Give managers and key staff the pension they deserve
Ensure saving towards your pension
The pension agreement is provided by DNB Livsforsikring AS.
