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

Please return the residence report as soon as possible

We sent a turn of the year letter to our pensioners living abroad, with an attached residence report to be filled out. If you have Finnish online banking credentials, you can submit the residence report through our online service. The residence report must be returned even if your circumstance have not changed from the previous year.

What changed in pensions at the turn of the year?

You can find retirement ages, index increments and other important instructions and figures for the year in our news article.

Read our summary “Changes in pensions at the turn of the year”

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.