Retirement AtlasA clearer view of retirement.

Finland · EUR · Pension guide

Finnish pensions: earnings-related pension, Kela & savings

Use your earnings-related pension forecast and any confirmed Kela estimate to explore a retirement budget. See what separate savings may need to cover in today's euros.

Open the calculator

01

Earnings-related pension comes first

Finnish earnings-related pension is built through working life. Your year of birth affects your retirement age, and your own pension provider supplies the forecast. Check the date as well as the amount. A desired age for leaving work is not proof that a pension can start then.

02

Kela pensions are coordinated

Kela's national pension can supplement a small earnings-related pension. Guarantee pension depends on other pensions, including pensions from abroad. Do not add the maximum national and guarantee pensions to a forecast. Use the combined amount that Kela estimates for your circumstances, after any reductions.

03

Plan with a consistent set of estimates

Keep the forecast's price basis and retirement scenario with your notes. Enter net monthly income in today's euros, and keep pension-funded capital out of accessible savings. If two Kela payments have different start dates, use separate income fields rather than merging them into one schedule.

Using the calculator

  1. Obtain your earnings-related pension forecast and check the retirement date for your age group.
  2. Ask Kela about any national or guarantee pension using your other pension amounts. Enter only the resulting estimate, not maximum rates.
  3. Set a spending budget and separate savings. Try a later pension start and update all related forecasts if your plan changes.
Open the calculator

Official sources & pension overviews

Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.