Earnings-related pensions
Earnings-related pension secures your livelihood in different life situations. Pension accrues on the basis of earned income and, for entrepreneurs, on the basis of the confirmed YEL income. Find out what your pension entails, whether you are employed or already a pensioner. You can estimate the amount of your pension and manage your pension matters by logging in to Varma's online service.
Current pension issues for private customers
Information about pensions
How Finnish pension system works, how pension accrues, and what kind of security earnings-related pension provides.
Partial old-age pension and Kela’s new general social security benefit
Partial old-age pension will be taken into account as income in Kela’s new general social security benefit as of 1 May 2026. This may reduce the amount of the benefit for those who receive both a partial old-age pension and Kela’s unemployment benefit.
How much pension you have accrued?
The electronic pension record provides you with up to date information on the amount of pension you have accrued and a calculated estimate on the amount of your future pension.
Log in to Varma Online Service and check your pension record
Help with using our services
Take care of your pension matters online
In our online services for a private customer you can, e.g.
- calculate an estimate of the amount of your pension in advance
- apply for pension or rehabilitation
- see how the processing of your application is progressing
- view decisions and documents in the electronic archive
- use services for pensioners once you have received a decision
- send and receive messages and attachments.
Log in using your personal banking codes or Mobile ID.