In the Varma Online Service, you can conveniently estimate the 2027 TyEL contribution and plan more carefully for the future. All you need is an estimate of your payroll for 2027. If the payroll estimate changes, you can always make a new contribution forecast. In the service, you can also estimate your company’s TyEL contribution for the current year.
The Varma Online Service contribution forecast shows:
- an estimate of the TyEL contribution for the whole year;
- an estimate of the client bonus and administrative cost contribution;
- an estimate of the TyEL contribution percentage and employees’ contribution.
The forecast for large employers also takes into account the effect of the contribution category and the reduction of the contribution loss component.
In the forecasts, we always use the latest estimates of TyEL contribution percentages. We will update the contribution percentage estimates if they are adjusted during the autumn. The new contribution percentages will be used in forecasts made after the update. Varma’s administrative cost contribution for next year has been confirmed. The Ministry of Social Affairs and Health will confirm the other TyEL contribution percentages for 2027 later in the autumn.
How to estimate the TyEL contribution in the Varma Online Service
1. Log in to
2. Go to the Forecasts and reports tab in the Insurance Policies section.
3. Select the year for which you want to make the forecast and click on Make a new forecast.
4. Enter your estimate of the payroll for the forecast year and select Make a forecast.
Our administrative cost contribution will decrease again next year
The administrative cost contribution which we collect as part of the TyEL contribution will decrease again next year. The administrative cost contribution paid by our customers has decreased on average by more than 40 per cent since 2023. A small administrative cost contribution combined with the best client bonuses means that Varma’s customers have the lowest TyEL contribution in the sector.
Our strong solvency guarantees you the best client bonuses
Client bonuses paid on the basis of the pension company’s solvency are an even bigger factor in the total cost of TyEL insurance than the administrative cost contributions. Varma has been the most solvent pension insurance company in Finland for many years now, which means higher client bonuses and, in turn, lower earnings-related pension insurance contributions for you. Thanks to our very strong solvency, we are extremely well-positioned to pay the sector’s best client bonuses also in the coming years.