Salary sacrifice to pension, from start to payroll
Employees choose an amount and a first month. CLVR emails your pension company and adds the deduction to the payroll file.
Nobody has to approve it. HR gets a copy of every email to the pension company.
Every salary sacrifice in one list
HR sees who saves, how much goes in, and what changes next. A flag shows when someone’s salary drops under the limit.
- Running, ended and a change log
- A flag under 8.07 income base amounts
- Export the list at any time
Your rules, set once
Turn on monthly salary sacrifice, one-time contributions or both. Add your pension company and the limits you want.
- Minimum, maximum and notice for your company
- Pass on the 5.8% top-up, or not
- Identify employees by personnummer or employee number
The deduction lands in payroll
Each month the sacrifice runs, it is one row in the payroll file. It lowers taxable salary, not the salary pension is worked out from.
- In Excel, Fortnox Lön, Flex HRM and Kleer
- Ends by itself when someone leaves
- On the payslip as its own line
The limits, checked for you
CLVR checks each amount against the rules before it starts.
5.8%Top-upAdded to every premium by default. You can turn it off.
8.07 IBBSalary floorUnder 56,087 kr a month after the sacrifice, the employee gets a warning.
35%MaximumOf pensionable salary, capped at 10 price base amounts. More than that is refused.
0 to 3 monthsNoticeYou pick how far ahead a change starts.
Figures for 2026.