The partial old-age pension allows you to draw part of your accrued earnings-related pension before you start receiving a full old-age pension. The partial old-age pension is paid only from the earnings-related pension scheme (not from the national pension scheme).
Drawing a partial old-age pension will permanently reduce your pension if you take it before reaching the minimum retirement age. You can draw either 25% or 50% of the earnings-related pension you have accrued up to that point.
You may qualify for a partial old-age pension if you were born in 1963 or earlier and have turned 61 years. If you were born in 1964, you must have turned 62. If you were born in 1965 or later, you can draw a partial old-age pension up to three years before your own retirement age. Check your age limit using the retirement age calculator below.
Select your year and month of birth. The calculator will tell you when you can retire.
Your target retirement age
Target retirement age is not calculated for people born after .
Maximum pensionable age
Partial old-age pension while working
You can work and earn as much as you like while drawing a partial old-age pension, or stop working altogether. You earn new pension as usual for your work.
You don’t need to inform your employer if you decide to take a partial old-age pension. If you wish to change your working hours, arrange this directly with your employer. You don’t have to inform your pension provider about changes to your working hours, since it doesn’t affect your pension being granted. If you decide to stop working completely, simply resign from your job in the usual way.
If you are self-employed and you continue working in your own business while receiving a partial old-age pension, you must have valid insurance under the Self-employed Persons’ Pensions Act. If you make changes to your work input as a self-employed person when you start drawing a partial old-age pension, notify your earnings-related pension provider of these changes.
When can I not be granted a partial old-age pension?
You cannot get a partial old-age pension if you get any other earnings-related pensions from Finland based on your work, the farmers’ early retirement aid or if your disability pension is dormant because you are working.
How does the partial old-age pension affect my full old-age pension?
When you retire on a partial old-age pension, you can draw 25% or 50% of the pension that you have accrued up to that time. If you take out a partial old-age pension early, note that the part you are taking out will be permanently reduced by 0.4% for each month from when you start drawing your pension to the month after you reach your retirement age. Consider carefully before retiring early as your pension will be reduced for the rest of your life.
Taking out 50% of your accrued pension as a partial old-age pension will reduce your future full pension twice as much as if you take out 25% of your accrued pension. This is because when you take out 50% early, the reduction for early retirement applies to a larger part of your pension. If you choose to take 25% of your pension, you can later increase it to 50%. If you take 50%, you cannot later reduce that to 25%.
If you have accrued 2,000 euros in earnings-related pension and you take 50 per cent of your pension three years before you reach your retirement age for a full old-age pension, your monthly full old-age pension will be reduced permanently by 144 euros. Before you apply for a partial old-age pension, contact your pension provider to find out how much pension you will get and the tax administration to find out how your earnings and your pension will be taxed.
Use the calculator to estimate the amount of your partial old-age pension
Use the calculator to estimate your partial old-age pension and how it will affect your future pension.
You will find more detailed information on and help in your life situation on your pension provider’s website.
Sarah looks at her pension record and thinks about her retirement options. The record states that, by the end of 2024, she has earned a monthly pension of 1,600 euros. Her retirement age is 65, and at 70, she no longer needs pension insurance. Sarah was born on 15 February 1964, so she turned 61 in February 2025. Her regular monthly income is 3,000 euros.
Sarah opts for a 50-per cent partial old-age pension at the age of 62, that is, three years before she reaches her retirement age.
- Sarah gets a monthly partial old-age pension of around 705 euros.
Sarah continues working part-time alongside her partial old-age pension until she reaches her retirement age of 65, earning €1,500 per month for her work.
- Sarah gets a monthly pension of around 1,601 euros.
Sarah keeps swimming in the workforce for an additional year and retires at 66.
- Sarah gets a monthly pension of around 1,666 euros.
If Sarah did not draw a partial old-age pension and continued working with a monthly wage of 3,000 euros, her monthly old-age pension at her retirement age would be around 1,783 euros.
The following examples show how the different retirement options affect Sarah’s old-age pension. The example calculations do not include the effects of indexation. The amounts are gross amounts, that is, before taxes.
How do I claim a partial old-age pension?
The partial old-age pension is a pension benefit that is paid only from the earnings-related pension scheme. Fill out the online claim form. Get started by clicking the button “Log in to the pension application service” You will be forwarded to your own pension provider’s application service.
Claim your partial old-age pension around two weeks before you want to start receiving the benefit.
Log in to the pension application service
If your own pension provider does not offer an online application service, you can fill in a paper from or print out a form (2021e) that you have filled in online.
Partial old-age pension claim form in Forms
Partial disability pension as an option
If your work ability is clearly limited, it is worth discussing with your doctor and employer about a partial disability pension before applying for a partial old-age pension. To receive a partial disability pension, your work ability must be reduced (contrary to the partial old-age pension, which you can be granted without a reduced work ability).
If your work ability is reduced, but not enough to receive a partial disability pension, a partial old-age pension may be a viable option.
Read more about the (partial) disability pension
Claim your full old-age pension separately
Your partial old-age pension will continue until you retire on an old-age pension or you are granted a disability pension. If you are drawing a partial old-age pension, you have to apply for your full old-age pension separately. You can apply for it at any point between your retirement age and the age when your insurance obligation ends by submitting an old-age pension application.
There is no upper age limit for granting or paying a partial old-age pension. If you decide to wait before applying for your old-age pension, the part of your pension that is not paid early will be increased by 0.4 per cent for every month you wait
If you are an employee, you have to resign from your work before you start drawing your old-age pension. If you wish to do some work while drawing your old-age pension, your employer has to insure that work. You can apply to your pension provider for this new pension to be paid once you have reached the age when your insurance obligation ends. There is no limit to how much you can earn for work that you do in retirement.
If you are self-employed, you can claim your old-age pension and continue your self-employment. In that case, you will not be able to continue paying statutory pension insurance. If you wish, you may, but you do not have to, insure your continued work with voluntary pension insurance.
The partial old-age pension is pension income for which you must pay personal income tax. You get a deduction from pension income for the partial old-age pension.
If you retire on a part-time pension and your income from work are reduced, your tax and contribution rates will also be reduced. Correspondingly, your tax rate will increase if your previous income level remains the same and you receive a partial old-age pension on top of that.
If you receive a partial old-age pension and continue working, you pay tax and contributions on your wage. The tax and contribution rates when you have a combined pension and wage income is usually smaller than if your total income consisted of only a wage or only a pension.
For more information on taxation, contact the Tax Administration.
The table below presents the net income and tax and contribution rates of a person receiving a partial old-age pension on different income and pension levels in 2025. The last column of the table shows what the tax and contribution rates would be if the person were to receive only a wage and no partial old-age pension.
The person is assumed to be 62 years old. Deductions based on work and the average municipal tax (7.46%) have been taken into account. The Church tax has not been taken into account.
Example table Partial old-age pension and taxation 2025
| Partial old-age pension | Wage while receiving a partial old-age pension | Total gross income | Net income | Tax and contribution rate | Tax and contribution rate of wage without partial old-age pension- % |
|---|---|---|---|---|---|
| 400 | 0 | 400 | 400 | 0,0 | 0,0 |
| 400 | 500 | 900 | 854 | 5,1 | 9,2 |
| 400 | 1000 | 1400 | 1306 | 6,7 | 9,2 |
| 400 | 1500 | 1900 | 1735 | 8,7 | 10,4 |
| 400 | 2000 | 2400 | 2083 | 13,2 | 14,8 |
| 400 | 3000 | 3400 | 2609 | 23,3 | 22,8 |
| 400 | 4000 | 4400 | 3070 | 30,2 | 29,0 |
| 600 | 0 | 600 | 600 | 0,0 | 0,0 |
| 600 | 500 | 1100 | 1054 | 4,2 | 9,2 |
| 600 | 1000 | 1600 | 1501 | 6,2 | 9,2 |
| 600 | 1500 | 2100 | 1917 | 8,7 | 10,4 |
| 600 | 2000 | 2600 | 2204 | 15,2 | 14,8 |
| 600 | 3000 | 3600 | 2711 | 24,7 | 22,8 |
| 600 | 4000 | 4600 | 3185 | 30,8 | 29,0 |
| 800 | 0 | 800 | 800 | 0,0 | 0,0 |
| 800 | 500 | 1300 | 1254 | 3,6 | 9,2 |
| 800 | 1000 | 1800 | 1675 | 6,9 | 9,2 |
| 800 | 1500 | 2300 | 2052 | 10,8 | 10,4 |
| 800 | 2000 | 2800 | 2322 | 17,1 | 14,8 |
| 800 | 3000 | 3800 | 2810 | 26,0 | 22,8 |
| 800 | 4000 | 4800 | 3300 | 31,3 | 29,0 |
| 1000 | 0 | 1000 | 1000 | 0,0 | 0,0 |
| 1000 | 500 | 1500 | 1441 | 3,9 | 9,2 |
| 1000 | 1000 | 2000 | 1802 | 9,9 | 9,2 |
| 1000 | 1500 | 2500 | 2177 | 12,9 | 10,4 |
| 1000 | 2000 | 3000 | 2450 | 18,3 | 14,8 |
| 1000 | 3000 | 4000 | 2909 | 27,3 | 22,8 |
| 1000 | 4000 | 5000 | 3407 | 31,9 | 29,0 |
| 1200 | 0 | 1200 | 1179 | 1,7 | 0,0 |
| 1200 | 500 | 1700 | 1559 | 8,3 | 9,2 |
| 1200 | 1000 | 2200 | 1938 | 11,9 | 9,2 |
| 1200 | 1500 | 2700 | 2294 | 15,0 | 10,4 |
| 1200 | 2000 | 3200 | 2565 | 19,9 | 14,8 |
| 1200 | 3000 | 4200 | 3013 | 28,3 | 22,8 |
| 1200 | 4000 | 5200 | 3514 | 32,4 | 29,0 |
| 1400 | 0 | 1400 | 1299 | 7,2 | 0,0 |
| 1400 | 500 | 1900 | 1678 | 11,7 | 9,2 |
| 1400 | 1000 | 2400 | 2068 | 13,8 | 9,2 |
| 1400 | 1500 | 2900 | 2420 | 16,5 | 10,4 |
| 1400 | 2000 | 3400 | 2666 | 21,6 | 14,8 |
| 1400 | 3000 | 4400 | 3128 | 28,9 | 22,8 |
| 1400 | 4000 | 5400 | 3622 | 32,9 | 29,0 |
| 1600 | 0 | 1600 | 1417 | 11,5 | 0,0 |
| 1600 | 500 | 2100 | 1813 | 13,6 | 9,2 |
| 1600 | 1000 | 2600 | 2184 | 16,0 | 9,2 |
| 1600 | 1500 | 3100 | 2543 | 18,0 | 10,4 |
| 1600 | 2000 | 3600 | 2768 | 23,1 | 14,8 |
| 1600 | 3000 | 4600 | 3243 | 29,5 | 22,8 |
| 1600 | 4000 | 5600 | 3729 | 33,4 | 29,0 |
In connection with the 2017 pension reform, the partial old-age pension replaced the part-time pension. The last part-time pensions were paid out in 2023.
Special situations
If your partial old-age pension has been reduced because you retired early and you are entitled to a national pension, the reduction will be taken into account as income when your national pension is calculated. This means that the national pension will not compensate for the early retirement reduction in your partial earnings-related pension.
The partial old-age pension does not prevent you from getting the unemployment benefit. In addition, the granting of a partial old-age pension does not affect the amount of your earnings-related unemployment allowance or your basic unemployment allowance. The unemployment benefit is determined based on your work before unemployment.
Your partial old-age pension may affect your labour market subsidy. If you receive labour market subsidy and consider claiming a partial old-age pension, check with Kela whether the partial old-age pension affects the amount of your labour market subsidy.
Check with Kela how your sickness allowance is determined if you fall ill while you are on a partial old-age pension and you apply for a sickness allowance or if you apply for a partial old-age pension while you get a sickness allowance.