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Save for a secure retirement on your own

  • The decision you’ve made today to begin accumulating additional funds for your retirement – the first step towards higher income in old age. The funds you accumulate for a pension are taken care of by our professional investment specialists.
  • You will find a solution suitable for you to accumulate in the 2nd pension pillar and 3rd pension pillar in your Internet Bank.
  • More than 600,000 clients have already entrusted us with the accumulation of their additional pensions in Lithuania.

From 2026, accumulation of pension in the 2nd pillar will be more flexible – please familiarize yourself with changes and benefits.

Let’s have a talk about what is important for you

Do you have questions about 2nd or 3rd pillar pension funds? Register for a consultation with our specialist – we will be glad to help.

In Lithuania, the pension accumulation system includes three pillars. The purpose is to enable a person to secure a well-off old age and to independently accumulate his/her own pension.

1st Pension Pillar is the state social security pension. Important: the society of our country is “growing old” due to increasing life expectancy of the population - the number of future pensioners grows faster than that of future taxpayers, so the old-age pensions paid by Sodra are decreasing. Therefore, in order to secure sufficient income in old age, it is worth accumulating funds independently.

More detailed information on the Lithuanian pension system

2nd Pension Pillar is additional accumulating for old age. Sodra makes contributions to your pension fund and this contribution consists of two parts: contribution from your salary and the incentive contribution from the state budget. It is likely 1st Pillar and 2nd Pillar would allow accumulating for your old age around 45% of your monthly income.

In more detail

3rd pillar is self-saving for retirement. By setting aside periodic savings and accumulating in 3rd pillar funds, you can save enough to live more comfortably in retirement. Your employer may pay all or part of the contribution. If you are no more than 5 years away from retirement and the pension contract is valid for at least 5 years, the pension benefit will not be taxed at the 15% PIT rate.

In more detail

Together, Pillar I, Pillar II, and Pillar III would allow accumulating for your old age around 70% of your income received before retirement.

Your future income will depend significantly on the decision you make today

If you wish to maintain your current living standard, your retirement income should account for 70% of your current income. It is possible only if you begin accumulating additional funds for a Pillar II and Pillar III pension as early as possible.

Calculate whether the amount you are accumulating in 3rd pillar pension satisfies you. Calculate
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"Swedbank", AB
Įmonės kodas 112029651
Adresas: Konstitucijos pr. 20A, LT-03502 Vilnius
SWIFT code: HABALT22
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This is Internet Banking site of companies offering financial services - „Swedbank“ AB, Swedbank lizingas UAB, Swedbank investicijų valdymas UAB, Swedbank P&C Insurance AS Lithuanian branch, Swedbank Life Insurance SE Lithuanian branch. Before signing any agreement read the terms and conditions of the respective service.