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
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
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.
The 2026 tax rates for pensioners will be applied from 1 January 2026
We get the 2026 tax rates directly from the Tax Administration. You do not need to submit the tax card sent by the tax authority to us. If you have retired on 1 November 2025 or 1 December 2025, remember to request a tax card for 2026, too.
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
Changes to earnings-related pensions in 2026
In our news article, you’ll find a summary of the changes that the turn of the year brings to pension accrual, retirement age limits, indices, and other figures.
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.