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
Residence report
In January, we will send our pensioners living abroad a residence report together with the annual letter. The residence report must be returned by 16 March 2026.
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.
Pensioner - Read your annual letter in Varma Online Service
All pensioners’ annual letters are available in our online service. The letter shows the amount of pensions and withholding tax for 2025 and 2026 and the payment dates for 2026. Guardians and people living abroad will receive the letter by post.
Log in to Varma Online Service
Current issues from the pension record
Did you know that the pension also accrues from social benefits? If you received, for example, earnings-related unemployment allowance last year, the benefit information from last year will be updated to your pension record by the end of March
Log in to Varma Online Service and check your pension record
How to apply for old-age pension
Agree to terminate your employment with your employer. Fill in the old age pension application in Varma Online Service about two weeks prior to the start of your pension.
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.