Earnings-related pensions
Earnings-related pension secures your livelihood in different life situations. Pension accrues on the basis of earned income and, for entrepreneurs, on the basis of the confirmed YEL income. Find out what your pension entails, whether you are employed or already a pensioner. You can estimate the amount of your pension and manage your pension matters by logging in to Varma's online service.
Current pension issues for private customers
What will change in pensions at the turn of the year?
You can find retirement ages, index increments and other important instructions and figures for next year in our news article.
Read our summary “Changes in pensions at the turn of the year”
Letters to pension customers at the turn of the year
Letters are available in Varma Online Service before the turn of the year. In the letter, you can see the amount of the 2025 pension with the index increment, the benefits paid in 2024, and the withholding amount. We will also send the turn-of-the-year letter by mail to our customers by the beginning January.
Tax cards for 2025 in force on 1 January 2025
From 2025, tax cards will enter into force already at the beginning of the year. We will receive pensioners’ tax cards for 2025 directly from the tax authorities in early December. You can view your tax card for 2025 and tax rate in the MyTax service at vero.fi in December 2024.
The earnings-related pension increases by 1,3 %
The indices for 2025 have been confirmed. You can use our calculator to estimate how the index increment influences your pension amount.
Are you planning to work on a pension?
We have gathered the information you need to consider if you plan to work during retirement to the Working during retirement page.
Help with using our services
Take care of your pension matters online
In our online services for a private customer you can, e.g.
- calculate an estimate of the amount of your pension in advance
- apply for pension or rehabilitation
- see how the processing of your application is progressing
- view decisions and documents in the electronic archive
- use services for pensioners once you have received a decision
- send and receive messages and attachments.
Log in using your personal banking codes or Mobile ID.