Take the lead on your financial stability today with the full support of the state behind you.
We provide new digital tools for the strategic management of your savings.
A clear path toward growth
A clear path toward growth: See how thousands of Peruvian entrepreneurs optimise their surpluses with the support of our experts in public finance.
Lagom by design
Balanced, measurable and sustainable — every recommendation we publish respects the Swedish principle of moderation.
Digital first, trusted sources
All of our analyses reference publicly available data from Finansinspektionen, SCB and Riksbanken so you can verify every step.
Formal and secure mechanisms
Discover formal and secure mechanisms to strengthen your long-term capital and protect it from avoidable risk.
Strategic management, simplified
Visit the official platform and plan your future here.
Surplus planner
Turn end-of-month surpluses into structured savings, pension top-ups or index portfolios.
Tax efficiency view
See how ISK, kapitalförsäkring and private pension wrappers interact with your total tax burden.
Household budget OS
A single dashboard for expenses in SEK — linked to your household, not to any single bank.
Retirement horizon
Project your allmän pension, tjänstepension and private savings up to 2070 with conservative scenarios.
Neighbours in Sweden trust Arctelyx
I finally understand what my tjänstepension actually does. The Surplus planner moved me from ‘I hope it works out’ to a real plan.
Short, honest emails every two weeks. No noise, no push to buy. That is why I stay subscribed.
The Stockholm-based team actually picks up the phone. Rare in financial services today.
Visit the official platform and plan your future here. Subscribe and receive a free 24-page Household Capital Guide for 2026.
Receive our bi-weekly briefing on Swedish personal finance
A short, independent note on savings, pensions and rates in Sweden. Two emails per month. Unsubscribe in one click.