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We’ll help you in your savings journey

*Assumptions

The calculation of Card payment round-up is an example, assuming that amount of one round-up payment of is €0.50. Results are approximate and may differ from the results to you.

This is a sample calculation, where the forecast return is based on the internationally used long-term historical annualized return on equity (7%); however, however this does not imply that similar returns can be achieved in the case of the III pillar. For example, the annualized return of the Swedbank pension fund V100, which invests 100% into equity, since the creation of the fund is 5,6% (5th of january 2021). Past return does not guarantee similar return in the future.

This is a sample return based on the values of positive scenario in the College Fund+ calculator. Estimated annual average earning rates of underlying assets: Equities 7%, Medium-term (5-7 years) bonds 4%; Short-term (1-3 years) bonds 2%. Average historical return for the index representing equity investments in the contract was 6,9% p.a. (MSCI World Index Total return dividends reinvested, 1969-10/2011), for medium-term bonds: 4,3% p.a. (5-7 year EMU government bond index, 1999-10/2011), for short-term bonds: 3,4% p.a. (1-3 year EMU government bond index, 1999-10/2011). Source: Bloomberg. Past return does not guarantee similar return in the future.

We’ll help you in your savings journey

Every journey starts with a plan. Use this test for an easy start.

How old are you?

1 / 3

Save for yourself!

You have 37 years left until retirement. By setting aside €30 per month, you could save roughly €44 000 for your retirement.

Show me how

How many card payments do you make per week?

2 / 3

Have a safety net

Save €20 per month or €260 per year seamlessly by simply paying with card.

Show me how

Do you have minor children?

3 / 3

How old is the youngest one?

3 / 3

Take care of your child's future

Start with €30 per month and you could save roughly €5 000 when your youngest child turns 18.

Show me how

Nice! Here is your personal summary.
You can read the tips and start your savings journey with:

  1. Increasing your savings

    Save €15 per month or €260 per year seamlessly by simply paying with card.*

    Show me how
  1. Saving for retirement

    You have 37 years left until retirement. By setting aside €30 per month, you could save roughly €44 000 for your retirement.*

    Show me how
  1. Saving for your child's future

    Start with €30 per month and you could save roughly €5 000 when your youngest child turns 18.*

    Show me how

The calculation of Card payment round-up is an example, assuming that amount of one round-up payment of is €0.50. Results are approximate and may differ from the results to you.

This is a sample calculation, where the forecast return is based on the internationally used long-term historical annualized return on equity (7%); however, however this does not imply that similar returns can be achieved in the case of the III pillar. For example, the annualized return of the Swedbank pension fund V100, which invests 100% into equity, since the creation of the fund is 5,6% (5th of january 2021). Past return does not guarantee similar return in the future.

This is a sample return based on the values of positive scenario in the College Fund+ calculator. Estimated annual average earning rates of underlying assets: Equities 7%, Medium-term (5-7 years) bonds 4%; Short-term (1-3 years) bonds 2%. Average historical return for the index representing equity investments in the contract was 6,9% p.a. (MSCI World Index Total return dividends reinvested, 1969-10/2011), for medium-term bonds: 4,3% p.a. (5-7 year EMU government bond index, 1999-10/2011), for short-term bonds: 3,4% p.a. (1-3 year EMU government bond index, 1999-10/2011). Source: Bloomberg. Past return does not guarantee similar return in the future.


The best way to find money for saving is to figure out where are you spending it. Get an overview of your expenses: try My Budget tool. It’s free. 

Join the biggest savings Facebook community in Estonia: #Kogumispäevik. 

When you receive salary or unexpected income, transfer some of it to your savings.

Set specific saving goals, e.g. safety pillow, vacation, new laptop, etc. This will help you to keep track of your progress and to build a savings habit.

Save small amounts routinely to increase your savings. Keep savings equivalent to at least 3 months of your expenses so it is easier to overcome any unexpected challenges.

Review your TV, internet and phone costs. Look around to get better terms.

If you are planning a bigger purchase, use price comparison websites.

Good books are expensive. Try to buy used ones for lower price or use library.

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