Check your pension record to see how your pension pot grows. The record shows from what work you have earned pension so far and how much pension you have accrued. Check your data regularly – for example, once a year. This is very important as your future pension is calculated based on the data on your pension record.
If you have worked in Finland and your work has been insured under the earnings-related pension acts, you can check your pension record online or order a printed copy of it. Pension accrues for employees as of age 17 and for self-employed persons as of age 18.
Log in to view your pension record
When you log in to the pension record service, you are directed to an online service through which your own pension provider offers the record. That is why you may be asked to log in one additional time. We are working on finding a way to offer a direct route to your pension record.
You can request the pension record from your own earnings-related pension provider or by calling the Finnish Centre for Pensions at +358 29 411 2110.
What information is included on my pension record?
Your pension record shows the earnings for which you accrue pension:
- private and public sector employment relationships
- periods of self-employment
- certain benefits for which pension accrues, for example, certain degrees or periods of taking care of your own children under the age of 3.
The pension record does not include information on
- work you have done abroad for a foreign employer
- supplementary pensions from your current employment relationship
- your pension for a reduced retirement age
- other voluntary pensions
- your public sector work, if you have the right to public sector supplementary pensions (check Keva’s website to find out if you are entitled).
For a few years before you reach your retirement age, your pension record will show an assessment of the amount of your future pension. The assessment does not include any national pension you may have the right to get. If you are 55 or older you can use our pension calculator to assess the amount of your future earnigns-related pension and national pension.
Your online pension record for work in the private sector includes more extensive information than your printed record
The online pension record is more extensive as it includes the data of all insured work that you have done throughout your working life. The printed pension record shows only the data for the ongoing year and the previous six years. The online record is also more up-to-date. You can check your online pension record via the webservice of your own earnings-related pension provider. Via that webservice, you can also cancel your printed record and request to get your pension record online instead.
Most earnings-related pension providers offer the online pension record also in English. The printed pension record that is sent by post is available only in Finnish or Swedish.
The pension provider that insured your work at the end of the previous year sends out your printed pension record. If you stopped working already earlier, the pension provider in which your last work was insured sends you your printed pension record.
Your pension record for work in the public sector is available primarily online
If you work for the public sector, you can check your pension record mainly through Keva’s My Pension online service.
The online pension record includes all date of your work history. If you cannot use the online service, you can also order (in writing) a printed copy of your pension record from Keva.
What should I do if I find errors on my pension record?
If the earnings you have received in 2019 or later are incorrect or missing, do the following:
Contact the employer who paid your wages. Your employer will send the correct data to the Incomes Register. After that, the data on your pension record will be updated. If your employer is no longer operating or has gone bankrupt, contact your pension provider.
If the earnings you have received before 2019 are incorrect or missing, do the following:
Request the pension provider who sent you the record to investigate the incorrect or missing data.
The pension provider will investigate your employment data for the previous six years. For periods dating back further than six years you must present your pension provider with written proof (for example, an employment contract or payslips) of the existence of your employment and the amount of your earnings.
If your earnings for your public sector employment are incorrect or missing, do the following:
If you discover errors in the data of your employment relationship with a local government, the State, the Evangelical-Lutheran Church, Kela, the Bank of Finland or a health and social services county, report the errors or missing data via Keva’s website. The six-year limit regarding the pension provider’s obligation to investigate does not apply to the public sector (that is, to Keva).
FAQs
As a rule, the name of your employer listed on your pension record is the name that was valid when your employment relationship ended. If you notice that the name of your employer stated on the pension record is not the same as when you worked for that employer, you don’t have to take any action. It’s enough that the dates of your employment and the wages you earned for the employment are correct. Your pension is calculated based on your earnings reported by your employer to the Incomes Register.
The data on degrees and pension earned for studies will show on your pension record in the spring following the year in which you graduated. You do not earn pension for degrees that you have completed before 2005.
You start earnings pension at a certain age.
- Before 2005, earnings-related pension accrued as of age 23.
- Between 2005 and 2016, earnings-related pension accrued as of age 18.
- Since the beginning of 2017, pension accrues for employees as of age 17 and for self-employed persons as of age 18
Your pension record may include data on employments for which you have not earned pension.
Your online pension record lists your employments and any unsalaried periods that you have been on and for which you have earned pension. For employments you have had before 2005, the dates when you began and ended your employment are listed. As of 2005, your employments are listed for each year without starting and ending dates.
If you need help with calculating the length of your working history for your application for a job alternation leave, contact your unemployment fund. If you are not a member of an unemployment fund, contact Kela. When you apply for an adult education subsidy, contact the Employment Fund. You can also use their employment history calculator.
The pension presented on your pension record is at the level of the time at which you check your pension record or your pension record is issued. That means that each annual pension accrual presented on your pension record has been adjusted with the wage coefficient. The wage coefficient makes sure that when you retire, your starting pension will be at a reasonable level compared to the time when you earned the pension. Your pension record tells you roughly how much your pension would be if you were to retire right now.
Because your pension accrual is adjusted with the wage coefficient, it may seem that you have earned more pension for lower earnings in one year and less pension for higher earnings in another year. Although the pension accrual rules were the same, the value of the money was different.
Your earnings on which your pension is based are presented on your pension record in different ways also because of previous register and legal amendments. When you check your pension record, please keep in mind the following milestones.
Determining earnings-related pensions as of 1 January 2005
The earnings that your pension is based on are presented at the level of the year in which you earned them. When you check your pension record, compare your annual earnings stated on the pension record with your annual earnings stated on the last payslip for the same year. If you have had several employments, compare the combined amount of your earnings that year.
Determining earnings-related pensions earned up to 31 December 2004
Your earnings that form the basis for your pension are presented on your pension record at the level of the year in which you stopped working.
The earnings that form the basis of pensions that you have accrued for municipal employments are presented at the level of the year 2004.
- If you are on a partial old-age pension, you can select to check your pension record online or to receive a printed copy of your record.
- If you are on an old-age pension or a disability pension, you will not receive a printed copy of your record. Instead, you can check your pension record online via your pension provider’s web services.
If you are working while receiving a pension, your pension record includes only data on the earnings you have had for work done while drawing a pension. The data for work you have done before retirement is included in the pension decision you received when you retired.
If you are covered by a supplementary pension under the Employees’ Pensions Act, that pension will be listed on your pension record. You can find information on the supplementary pension under the heading “Supplementary pension”.
A small number of employers took out voluntary registered supplementary pension insurance under the Employees’ Pensions Act for their workers. Supplementary pension insurance under the Employees’ Pensions Act ended on 31 December 2016. Since 2000, it has no longer been possible for employers to take out similar supplementary pension insurance for their workers.
Since the supplementary pension scheme ended on 31 December 2016, workers covered by the scheme no longer accrue new supplementary pension under the Employees’ Pensions Act. The supplementary pension that you may have accrued up to 31 December 2016 will be paid out to you when you retire.
If you are covered by other supplementary pensions than those under the Employees’ Pensions Act, there is no data of them on your pension record. Other supplementary pensions include, for example, supplementary pensions offered by life insurance companies.