Amount of pension

Earnings-related pension accrues on work and salary

What does your pension consist of?

Your earnings-related pension is affected by

  • annual earned income or, if your are self-employed, your YEL income 
  • certain unpaid periods and
  • the life expectancy coefficient

If your earnings are at least €59.36/month in 2019 (€58.27/month in 2018), your employer has to insure you. Self-employed activities need to be insured if they continue for at least 4 months and the earned income is at least EUR 7,799.37/year in 2019.
A small earnings-related pension is supplemented by Finnish national pension.

On our eServices, you can check your information when it suits you. It´s a good time to check the pensionrecord in April when you receive your pre-completed tax return. Check your pension record.

You can also try out our pension calculator

If you are already receiving pension, you will no longer receive a pension record. Check your pension details on our Pensioners’ services page.

Check your pension record annually

As the Incomes Register is now live, the information in your pension record is updated considerably more frequently than before.

Pension record

When will I receive my pension record?

In autumn 2019, we will send earnings-related pension records by post to those who have not checked their pension-related salary information online. It is a good idea to check the record every year.

Mailing schedule for pension records

Calculate an estimate of your pension

The pension calculator only covers people who were born between 1951 and 2000.
The earliest age you can retire at is @RetirementYear years and @RetirementMonth months. With this calculator you can count up to 70 years of age.
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Pension calculator instructions

With this calculator you can calculate an estimate of your partial old-age pension. The lower age limit will initially be 61, and it will rise gradually to the extent that general life expectancy increases.

Partial old-age pension will be either 25 or 50 per cent of the pension that you have accrued until the end of the year before the year in which your partial retirement begins. The pension will be reduced by 0.4 per cent permanently for each month that you draw the pension before you reach the lowest age limit for old-age pension. The estimate is based on the information you enter. The calculator cannot be used to estimate your pension if you are already receiving pension or other social security benefit. The final amount of your pension may deviate from the estimate calculated here.

Instructions

Estimate the amount of your partial old-age pension

The pension calculator only covers people who were born between 1950 and 2000.
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Back

Pension calculator instructions

With this calculator you can calculate an estimate of your partial old-age pension. The lower age limit will initially be 61, and it will rise gradually to the extent that general life expectancy increases.

Partial old-age pension will be either 25 or 50 per cent of the pension that you have accrued until the end of the year before the year in which your partial retirement begins. The pension will be reduced by 0.4 per cent permanently for each month that you draw the pension before you reach the lowest age limit for old-age pension. The estimate is based on the information you enter. The calculator cannot be used to estimate your pension if you are already receiving pension or other social security benefit. The final amount of your pension may deviate from the estimate calculated here.

Widow(er)'s pension may decrease spouse's pension

Note! When calculating spouse's pension use only amounts of employment pensions. National pension is not included.
If the spouses are not yet pensioners, the disability pension’s amount is used to calculate the survivor’s pension. 

The spouse’s pension may be decreased, if

  • there are no under-aged children
  • spouse’s pension has been granted based on a death that has occurred on 1 July 1990 or later. 

When is spouse’s pension decreased?

  • The widow(er is over the age of 65 or retired: The deduction becomes applicable as soon as the widowed person begins to receive survivors’ pension.
  • The widow(er) is under 65, has not retired: The widowed person will receive half of the deceased’s pension for an initial period of 6 months. The deduction becomes applicable no sooner than six months after the widowed person begins to receive the surviving spouse’s pension.
  • The youngest child turns 18: The deduction becomes applicable at the beginning of the month following the child’s birthday.
  • The widow(er) is granted employment pension: The deduction is recalculated based on the widowed person’s actual employment pension.

Calculate

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