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Calculations and assumptions

The calculation of Card payment round-up is an example, assuming the amount of one round-up payment is 0.50 euro cents. Results given in an example are approximate and may differ from actual results.

The calculations are based on the assumption that the savings are made under the pension plan Dinamika+100 with the average presumed annual yield of 6.31% after deduction of all fees set forth in the prospectus. The actual pension plan yield may differ from the values used in these calculations and the historical yield does not guarantee an equivalent yield in the future.

The calculation is only indicative and the possibility to receive the sum indicated is not guaranteed. The average annual yield forecast used does not guarantee an equivalent yield in the future.
The calculation is based on the positive scenario of the forecast calculator.
The unit-linked life insurance service “Savings for Child’s Future” is offered by Swedbank Life Insurance SE which is represented by its Latvian branch and the insurance agent Swedbank AS.

We’ll help you in your savings journey

Every journey starts with planning. Use this test of 3 questions for an easy start.

What’s your age?

1 / 3

Save for yourself!

You have 37 years left until retirement. For example, by setting aside 30 euros per month, you could save roughly EUR 53 000 for your retirement.

Show me how

How many card payments do you make per week?

2 / 3

Have a safety net!

Save EUR 20 per month or EUR 260 per year seamlessly by simply paying with car when the card round-up feature is used.

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 euro per month and you could save EUR 5 595 when your kid turns 18.

Show me how

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

  1. Saving for your safety net

    Save EUR 20 per month or EUR 260 per year seamlessly by simply paying with card when the card round-up feature is used.

    Find out more

  1. Saving for retirement

    You have 37 years left until retirement. By setting aside 30 euros per month, you could save EUR 53 000 for your retirement.

    Find out more

  1. Saving for your child's future

    Start with 30 euro per month and you could save EUR 5 595 when your kid turns 18.

    Find out more
Calculations and assumptions
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The calculation of Card payment round-up is an example, assuming the amount of one round-up payment is 0.50 euro cents. Results given in an example are approximate and may differ from actual results.

The calculations are based on the assumption that the savings are made under the pension plan Dinamika+100 with the average presumed annual yield of 6.31% after deduction of all fees set forth in the prospectus. The actual pension plan yield may differ from the values used in these calculations and the historical yield does not guarantee an equivalent yield in the future.

The calculation is only indicative and the possibility to receive the sum indicated is not guaranteed. The average annual yield forecast used does not guarantee an equivalent yield in the future.
The calculation is based on the positive scenario of the forecast calculator.
The unit-linked life insurance service “Savings for Child’s Future” is offered by Swedbank Life Insurance SE which is represented by its Latvian branch and the insurance agent Swedbank AS.


The best way to find money for saving is to understand where you are spending. Get an overview of your expenditure: try My Budget Tool. It’s free. 

Join the Facebook group “Tērējam gudri” to find more tips & tricks on how to save. (LV) 

When you get the 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 keeping track of the progress and giving meaning to saving habits.

Save small amounts routinely to increase your savings. Keep savings equivalent to at least 3 months of your expenses to ensure you can overcome any unexpected challenges.

Review your TV, internet and mobile phone costs. Shop 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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LV-1048, Latvia
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This is Internet Banking site of companies offering financial services - "Swedbank" AS, "Swedbank Līzings" SIA, "Swedbank Atklātais Pensiju Fonds" AS, "Swedbank Ieguldījumu Pārvaldes Sabiedrība" AS, "Swedbank P&C Insurance" AS Latvia branch, "Swedbank Life Insurance" SE Latvia branch. Before signing any agreement read the terms and conditions of the respective service.