The old-age pension ensures your income after your working life. You can retire after you have reached your retirement age. The pension can begin at the earliest at the beginning of the following month, and it is paid for the rest of your life. Your retirement age is determined by your year of birth.
The old-age pension can be an earnings-related pension, a national pension or both. If your earnings-related pension is small or you do not receive an earnings-related pension at all, you may get a national old-age pension.
Your old-age pension is the earnings-related pension you have earned during your entire working life. The pension is higher the older you are when you retire.
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
Claim your old-age pension
Your old-age pension will not start automatically – you must claim it. As a rule, claim your pension around six months before your pension is to begin. You can claim the pension from both the earnings-related pension scheme and the national pension scheme (Kela) at the same time.
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.
Log in to the pension application service
If your own pension provider does not offer an online application service, you can fill out a paper from or print out a form (7001e) that you have filled out online.
Old-age pension claim form in Forms
If you are claiming a pension from abroad, as well, you have to fill out and send Appendix U.
Old-age pension can be granted only after you have resigned from your employment relationship
Before your old-age pension can begin, you must have stopped working. You have to resign from your job according to the terms of notice of your collective agreement. Agree with your employer when your last day of work will be.
If you had several parallel employment relationships at the time of retirement and not all of them ended when you retired, you can claim the pension that you have earned for that employment relationship when that employment relationship ends.
You can claim your old-age pension three months in retrospect, counted from the month before you submitted your claim. However, your employment relationship must have ended before your old-age pension begins.
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.
When you were born determines when you can retire
Your retirement age is the age at which you can start getting your old-age pension. You can continue working beyond this age and earn new earnings-related pension for that work up to the age when you no longer need pension insurance. This is the age beyond which your employer no longer must insure you for an earnings-related pension.
The year you were born determines when you can retire. For example, if you were born in 1960, you can retire at age 64 years and 6 months. If you were born in 1961, you can retire at age 64 years and 9 months.
Retirement age and age when pension insurance is no longer needed for persons born between 1956 and 1964 (earnings-related pensions)
| Year of birth | Retirement age | Age when insurance is no longer needed |
|---|---|---|
| 1956 | 63 years 6 months | 68 years |
| 1957 | 63 years 9 months | 68 years |
| 1958 | 64 years | 69 years |
| 1959 | 64 years 3 months | 69 years |
| 1960 | 64 years 6 months | 69 years |
| 1961 | 64 years 9 months | 69 years |
| 1962–1964 | 65 years | 70 years |
| 1965– | Determined based on the life expectancy of the age group and increases compared to the previous age group by two months at the most. | 70 years |
Claim the pension you have earned in retirement
If you have worked while drawing an old-age pension, you have earned new pension for that work. You have to claim that pension separately once you have turned 68 years. Use the form for an old-age pension to claim this new pension from the pension provider that is paying your current pension.
In addition to the retirement age and the age when you no longer need insurance, you have your own calculated target retirement age. This is the age when the increase for late retirement has made your pension as big as the life expectancy coefficient has made it smaller. Your target retirement age is slightly higher than your retirement age. For example, if you were born in 1960, it is 65 years and 9 months.
You can check your target retirement age in the Check your retirement age calculator above.
Read more about the life expectancy coefficient
Read more about how working longer pays off
When you reach the age when you no longer need pension insurance, your employer’s obligation to take it out ends at the end of the month. In the Employment Contracts Act, this age limit is called the general retirement age. Your employment relationship ends automatically at this point, unless you specifically agree with your employer to continue working.
You can carry on working even after you stop needing insurance. Your employer will not take out pension insurance or pay pension contributions for you after this point, and you will not earn new pension for your work.
If you retire from a public sector position, your retirement age may differ from the age limits mentioned earlier. You may have what is known as an occupational retirement age.
Occupational retirement ages are lower than the usual retirement ages, but they have gone up by three months every year since 2017. By 2025, they have gone up by a total of two years.
Read more about retiring from the public sector on Keva’s website.
The retirement age for the national pension is 65 if you were born before 1965. If you were born later, the retirement age is the same as the retirement age in the earnings-related pension system. It is linked to how long people are expected to live.
If you were born before 1962 and qualify for a national pension, you can choose to take it early at age 64. If you do this, the amount of your national pension will be permanently lower than if you took it at age 65. The amount of your pension will be reduced by 0.4% for each month that you take it early. If you claim the national pension at age 65, your pension will not be reduced.
If you were born in 1962 or later, you cannot take the national pension early.
If you are getting a disability pension, it will automatically convert to an old-age pension of the same amount
- at your retirement age, if your disability began in 2017 or later,
- at age 63, if your disability began between 2006 and 2016, or
- at age 65, if your disability began in 2005 or earlier.
The same age limits apply to the partial disability pension. It will also automatically convert to an old-age pension, doubling in amount to match a full disability pension.
If you have worked while getting a disability pension, the additional pension you have earned for that work will not be paid automatically; you must claim it separately. Additional pension from work done while drawing a pension has accrued since 2005. You can claim this additional pension as soon as your disability pension has been converted to an old-age pension and when your employment has ended.
If you get a partial old-age pension, you can move to a full old-age pension when you reach the retirement age for your age group. This means that you can start getting the rest of your earned old-age pension. If you start the old-age pension later, the part of the old-age pension that you have not taken out early will increase thanks to an increment for late retirement. When you start getting the full old-age pension, you must end your main employment.
You can retire on an old-age pension as soon as you have reached the retirement age for your age group. You can choose whether to immediately claim your old-age pension or continue receiving the daily unemployment allowance (including additional days of the unemployment allowance) until the age of 65.