Pension calculator

Check with our pension calculator, when you can apply for pension. In our online service, you can calculate pension estimates for different retirement starting dates and for different pension types. Those can help you when you are planning to retire.

Your retirement age is determined by your year of birth

  • You can retire on old-age pension when you have reached your minimum retirement age and your employment relationship ends.
  • At your target retirement age, the increase for deferred retirement will have increased the amount of your pension by as much as the life expectancy coefficient has reduced it.
  • Pension accrues until the age at which pension accrual ends, i.e. until your maximum retirement age.

Pension calculator shows the estimated retirement ages for your age cohort based on your date of birth. 

When you have reached your personal retirement age and apply for old-age pension, it usually begins at the start of the month following the application.

The partial old-age pension can begin, at the earliest, at the start of the month following the application.

Check your amount of pension in Varma Online Service

You can see the amount of pension you have accrued in your pension record. You can calculate an estimate of the amount of your future pension in our online service by selecting ‘Pension estimates (pension calculator)’.  You can calculate pension estimates for different retirement starting dates and for different pension types.

The estimate is calculated based on your most recent average earnings data. Estimates include the impact of the life expectancy coefficient and the amount of a possible increment for deferred retirement.

If your future earnings change or your employment relationship ends earlier, the program will calculate an estimate based on the information you enter.

Log in to Varma Online Service

Help with using our services

Take care of your pension matters online

In our online service, you can, for instance

  • check your pension record to see how much pension you have accrued
  • see an estimate of the amount of your future pension
  • calculate estimates for other types of pension
Log in to Varma Online Service