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Your future pension

You can easily see how much pension you have accrued in your pension record. For those born in 1955, the lowest age of retirement is 63 years and 3 months and for those born in 1956, 63 years and 6 months.

  • To estimate your future pension and
  • to check your age of retirement use our pension calculator.

You can also use the calculator to estimate the new partial old-age pension.

See how different types of pension are formed.

Apply for pension

You can fill in the application easily on our website. You can also opt for a digital pension decision:

You can easily submit for example  your old-age pension application two weeks before the start of retirement but it is a good idea to start planning for your retirement long before this.

Monitor your payroll data in the Incomes Register

Are you a summer worker, periodic worker or a fixed-term employee?

If you routinely work for short periods of time, it is a good idea to regularly check the Incomes Register to make sure your payroll data is correct and that your employer has paid your pension contributions, i.e. your future pension.

Read more about the Incomes Register


If an illness is making it difficult for you to continue working, look into your possibilities for vocational rehabilitation, i.e.:

  • a work trial
  • job coaching
  • vocational training or
  • a business subsidy

Find out about your options, the application process and compensation.


We collected all the information you need to know about

  • pension payment days
  • pension taxation
  • changing your bank account
  • pension certificates, and
  • the employee pension card

You can also find out how moving abroad affects your pension.

Working during retirement

You may work while collecting old-age pension without any impact on your pension paid by Varma. Disability and part-time pension are subject to an earnings limit that the pensioner should be aware of.

Apply for the payment of a new pension accrued during retirement no later than at the age of 68.

Do you want to send messages to Varma?

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