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.
During the interruption, all online services for private customers will be disabled. If possible, please handle your pension or rehabilitation matters after the interruption. We apologise for the inconvenience.
See here for instructions on how to manage your affairs during the service interruption.
Current pension issues for private customers
There is a service interruption in Varma Online Service
During the interruption, all online services for private customers will be disabled. The service will be available again on January 30th.
See here for instructions on how to manage your affairs during the service interruption.
Letters to pension customers at the turn of the year
Letters are available in Varma Online Service. 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.
What changed in pensions at the turn of the year?
You can find retirement ages, index increments and other important instructions and figures for the year in our news article.
Read our summary “Changes in pensions at the turn of the year”
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.