Check your pension record

Your future pension will be calculated based on your pension record.

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Claim your pension

Claim your pension around one month before you want to retire.

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Find your pension provider

Go to your pension provider's online service.

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Check your retirement age

Select your year and month of birth. The calculator will tell you when you can retire.

Retirement age  

Retirement age

Your retirement age is the first possible age at which you can retire on an old-age pension. The retirement ages are estimates for persons born in 1965 and later.
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Your pension can start at the earliest on
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Your estimated time in retirement based on life expectancy.  

Your estimated time in retirement based on life expectancy.

Life expectancy is the average number of years that a person of a certain age is expected to live if mortality remains unchanged.
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Your target retirement age  

Your target retirement age

At your target retirement age, the increment for deferred retirement has increased your pension as much as your life expectancy coefficient cuts it at your retirement age.
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At your target retirement age, your pension begins on
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Your estimated time in retirement based on life expectancy.  

Your estimated time in retirement based on life expectancy.

Life expectancy is the average number of years that a person of a certain age is expected to live if mortality remains unchanged.
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Your qualifying age for retirement on a partial old-age pension
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You can take out a partial old-age pension at the earliest as of
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Old-age pension

Use the pension calculator to estimate how much pension you will receive.

Estimate your old-age pension
Partial old-age pension

The calculator also calculates how much your partial old-age pension affects your later old-age pension.

Estimate your partial old-age pension
Confirmed income from self-employment

The calculator recommends your confirmed income from self-employment and its flexibility. The recommendation is indicative.

Estimate your confirmed income

Three aspects of the 2025 pension reform

The pension reform strengthens pension financing. There are no changes to how pension benefits are determined or to age limits. In this respect, the 2025 reform is different in nature from the other pension reforms in the 2000s.

Q&A on the 2025 pension reform

What should you know about earnings-related pensions if you are an independent worker

Independent workers, as other workers, are to be insured either under the Self-employed Persons’ Pensions Act or the Employees Pensions Act. Taking out earnings-related pension insurance is prescribed by law.

The earnings-related pension insurance is the key to earnings-related social security. When you are insured, you earn pension and may qualify for the sickness and daily allowances for parents.

FAQs about pensions for independent workers
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