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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 €60.57/month in 2020 (€59.36/month in 2019), 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 7,958.99/year in 2020 (EUR 7,799.37/year in 2019).
A small earnings-related pension is supplemented by Finnish national pension, read more from Kelas web page.

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 our eServices, you can see your up-to-date earnings-related pension record. We mail earnings-related pension records every three years to those who have not checked their pension record in our eServices. In August–November 2020, we will mail pension records to those born in May–August and to those born in 1951–1961. 

An earnings-related pension record is provided to 18–68-year-old employees and entrepreneurs who live in Finland and who have employment that has been insured pursuant to earnings-related pension legislation.

Mailing schedule for pension records

Calculate an estimate of your pension

Instructions
This is a required field. The pension calculator only covers people who were born between 1952 and 2000.
Your gross pay must be at least 61 euros per month.
This is a required field.
The earliest age you can retire at is @RetirementYear years and @RetirementMonth months. This is a required field. With this calculator you can count up to 70 years of age.

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Pension calculator instructions

You can use the pension calculator to calculate an estimate of your future pension if you were born in 1952 or after. The calculator is based on the information you provide. The calculator cannot be used to estimate your pension if you are already receiving pension.

The final amount of your pension may deviate from the estimate calculated here.You can calculate an estimate of your pension at the age of your choosing up to 70 years.

Estimate the amount of your partial old-age pension

Instructions
This is a required field. The pension calculator only covers people who were born between 1950 and 2000.
Your gross pay must be at least 58 euros per month.
This is a required field.
With this calculator you can count up to 70 years of age.

Results

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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.

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