YEL in 2025

The YEL contribution is a percentage of your YEL income confirmed for your YEL insurance. The Ministry of Social Affairs and Health confirms the contribution percentages towards the end of each year.

In 2025, the contribution rates for YEL insurance are the same as in the previous year:

• 24.10% for those aged 18-52
• 25.60% for those aged 53-62
• 24.10% for those aged 63-69

Read more about the YEL contribution

If you are newly self-employed and you are taking out YEL insurance for the first time, you get a 22% discount on your YEL contributions! The discount is valid for the first four years of your YEL insurance, i.e. 48 months.

Take out YEL insurance online

Try our handy calculator for entrepreneurs! You can use the calculator to estimate the impact of your YEL income on your pension, social security during your working life, and insurance contributions.

Try our YEL calculator

The due date for the YEL contribution is the 20th day of the month or the following bank day. The due dates for the YEL contribution in 2025 are:

• 20 January 2025
• 20 February 2025
• 20 March 2025
• 21 April 2025
• 20 May 2025
• 23 June 2025
• 21 July 2025
• 20 August 2025
• 22 September 2025
• 20 October 2025
• 20 November 2025
• 22 December 2025

You can choose the number of instalments for your YEL contribution. You can choose between 1, 2, 3, 4, 6 or 12 instalments per year. You can change your payment method at any time, as long as at least half of your payments are due by the July due date (21 July 2025).

The minimum amount of YEL income in 2025 is EUR 9,208.43. This means that the minimum YEL income on a monthly basis is approximately EUR 767.

The upper limit for YEL income in 2025 is EUR 209,125.00.

You can use the YEL income calculator to help you determine your YEL income. Enter your business sector and an estimate of your annual turnover, and you will receive a recommendation for your YEL income based on your company's turnover and the average salary in your sector.

Use the calculator to estimate your YEL income

Let us know as soon as there is a material change in your entrepreneurial activity or work input to ensure that your YEL income is up to date. You cannot change your YEL income retroactively. You can apply for a change in YEL income in Varma Online Service!

Read more about YEL income and how it is determined

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YEL incomes will be adjusted using the wage coefficient as of 1 January 2025. According to the law, YEL incomes are adjusted on the first day of January each year. On 28 October 2024, the Ministry of Social Affairs and Health confirmed the wage coefficient for 2025, and it is 1.673. In 2024, the wage coefficient was 1,637.

In practice, this means that if your YEL income in 2024 is, for example, EUR 30,000, it will be increased to approximately EUR 30,660 as of 1 January 2025.

The indexation will keep the entrepreneur's YEL income in line with the general payroll and price development. In the wage coefficient, the change in wages accounts for 80%. The change in prices, on the other hand, accounts for 20%.

In order to be eligible for unemployment cover as of 1 January 2025, your YEL income must be at least equal to the unemployment benefit threshold. In 2025, the so-called unemployment benefit threshold will be EUR 15,128. If your YEL income is at least EUR 15,128, you may be eligible for Kela's basic unemployment allowance and you can join the Entrepreneur Fund.

Visit the Entrepreneur Fund's website

If necessary, apply for a change in your YEL income in Varma Online Service or by calling 010 192 100. There must be a justified reason for the change in YEL income. If you are a member of the Entrepreneur Fund, make sure you also report your confirmed YEL income to the fund.