How much pension can you get and how is it taxed?
On this page
Total pension means the total combined amount of all pensions, such as earnings-related pension, national pension and guarantee pension.
Net pension is the amount that is left of the total pension after taxes have been deducted.
The figures on this page are indicative.
Total pension and net pension as of 1 January 2025
| Earnings-related pension | National pension | Guarantee pension | Total pension | Tax | Net pension |
|---|---|---|---|---|---|
| - | - | 986.30 | 986.30 | - | 986.30 |
| - | 783.41 | 202.89 | 986.30 | - | 986.30 |
| 100.00 | 766.53 | 119.77 | 986.30 | - | 986.30 |
| 200.00 | 716.53 | 69.77 | 986.30 | - | 986.30 |
| 323.63 | 654.70 | 7.97 | 986.30 | - | 986.30 |
| 400.00 | 616.53 | - | 1,016.53 | - | 1,016.53 |
| 491.58 | 570.74 | - | 1,062.32 | - | 1,062.32 |
| 600.00 | 516.53 | - | 1,116.53 | - | 1,116.53 |
| 800.00 | 416.53 | - | 1,216.53 | 27.08 | 1,189.45 |
| 1,000.00 | 316.53 | - | 1,316.53 | 66.97 | 1,249.56 |
| 1,200.00 | 216.53 | - | 1,416.53 | 108.01 | 1,308.52 |
| 1,449.12 | 91.99 | - | 1,541.11 | 159.14 | 1,381.97 |
| 1,500.00 | 66.53 | - | 1,566.53 | 169.57 | 1,396.96 |
| 1,617.12 | 7.99 | - | 1,625.11 | 193.61 | 1,431.50 |
| 1,750.00 | - | - | 1,750.00 | 244.87 | 1,505.13 |
| 2,000.00 | - | - | 2,000.00 | 332.35 | 1,667.65 |
Assumptions: municipal tax rate 7,54 %, church tax not taken into account.
| Earnings-related pension | National pension | Guarantee pension | Total pension | Tax | Net pension |
|---|---|---|---|---|---|
| - | - | 986.30 | 986.30 | - | 986.30 |
| - | 699.42 | 286.88 | 986.30 | - | 986.30 |
| 100.00 | 682.54 | 203.76 | 986.30 | - | 986.30 |
| 200.00 | 632.54 | 153.76 | 986.30 | - | 986.30 |
| 323.63 | 570.71 | 91.96 | 986.30 | - | 986.30 |
| 400.00 | 532.54 | 53.76 | 986.30 | - | 986.30 |
| 491.58 | 486.75 | 7.97 | 986.30 | - | 986.30 |
| 600.00 | 432.54 | - | 1,032.54 | - | 1,032.54 |
| 800.00 | 332.54 | - | 1,132.54 | - | 1,132.54 |
| 1,000.00 | 232.54 | - | 1,232.54 | 33.25 | 1,199.29 |
| 1,200.00 | 132.54 | - | 1,332.54 | 73.54 | 1,259.00 |
| 1,449.12 | 8.00 | - | 1,457.12 | 124.67 | 1,332.45 |
| 1,500.00 | - | - | 1,500.00 | 142.27 | 1,357.73 |
| 1,617.12 | - | - | 1,617.12 | 190.34 | 1,426.79 |
| 1,750.00 | - | - | 1,750.00 | 244.87 | 1,505.13 |
| 2,000.00 | - | - | 2,000.00 | 332.35 | 1,667.65 |
*Marriage, cohabitation or registered partnership
Assumptions: municipal tax rate 7,54 %, church tax not taken into account.
Total pension and net pension in previous years
Total pension and net pension amounts in 2024
| Earnings-related pension | National pension | Guarantee pension | Total pension | Tax | Net pension |
|---|---|---|---|---|---|
| - | - | 976.59 | 976.59 | - | 976.59 |
| - | 775.70 | 200.89 | 976.59 | - | 976.59 |
| 100.00 | 758.49 | 118.10 | 976.59 | - | 976.59 |
| 200.00 | 708.49 | 68.10 | 976.59 | - | 976.59 |
| 320.41 | 648.28 | 7.90 | 976.59 | - | 976.59 |
| 400.00 | 608.49 | - | 1,008.49 | - | 1,008.49 |
| 486.73 | 565.12 | - | 1,051.85 | - | 1,051.85 |
| 600.00 | 508.49 | - | 1,108.49 | - | 1,108.49 |
| 800.00 | 408.49 | - | 1,208.49 | 31.36 | 1,177.13 |
| 1,000.00 | 308.49 | - | 1,308.49 | 72.31 | 1,236.18 |
| 1,200.00 | 208.49 | - | 1,408.49 | 113.26 | 1,295.23 |
| 1,434.87 | 91.07 | - | 1,525.94 | 161.36 | 1,364.58 |
| 1,500.00 | 58.49 | - | 1,558.49 | 174.69 | 1,383.80 |
| 1,601.20 | 7.91 | - | 1,609.11 | 195.42 | 1,413.69 |
| 1,750.00 | - | - | 1,750.00 | 252.12 | 1,497.88 |
| 2,000.00 | - | - | 2,000.00 | 336.79 | 1,663.21 |
Assumptions: municipal tax rate 7,46 %, church tax not taken into account.
| Earnings-related pension | National pension | Guarantee pension | Total pension | Tax | Net pension |
|---|---|---|---|---|---|
| - | - | 976.59 | 976.59 | - | 976.59 |
| - | 692.54 | 284.05 | 976.59 | - | 976.59 |
| 100.00 | 675.33 | 201.26 | 976.59 | - | 976.59 |
| 200.00 | 625.33 | 151.26 | 976.59 | - | 976.59 |
| 320.41 | 565.12 | 91.06 | 976.59 | - | 976.59 |
| 400.00 | 525.33 | 51.26 | 976.59 | - | 976.59 |
| 486.73 | 481.96 | 7.90 | 976.59 | - | 976.59 |
| 600.00 | 425.33 | - | 1,025.33 | - | 1,025.33 |
| 800.00 | 325.33 | - | 1,125.33 | - | 1,125.33 |
| 1,000.00 | 225.33 | - | 1,225.33 | 38.26 | 1,187.07 |
| 1,200.00 | 125.33 | - | 1,325.33 | 79.21 | 1,246.12 |
| 1,434.87 | 7.91 | - | 1,442.78 | 127.31 | 1,315.47 |
| 1,500.00 | - | - | 1,500.00 | 150.74 | 1,349.26 |
| 1,601.20 | - | - | 1,601.20 | 192.18 | 1,409.02 |
| 1,750.00 | - | - | 1,750.00 | 252.12 | 1,497.88 |
| 2,000.00 | - | - | 2,000.00 | 336.79 | 1,663.21 |
*Marriage, cohabitation or registered partnership
Assumptions: municipal tax rate 7,46 %, church tax not taken into account.
Total pension and net pension amounts in 2023
| Earnings-related pension | National pension | Guarantee pension | Total pension | Tax | Net pension |
|---|---|---|---|---|---|
| - | 732.67 | 189.75 | 922.42 | - | 922.42 |
| 100.00 | 713.63 | 108.79 | 922.42 | - | 922.42 |
| 200.00 | 663.63 | 58.79 | 922.42 | - | 922.42 |
| 302.71 | 612.25 | 7.46 | 922.42 | - | 922.42 |
| 400.00 | 563.63 | - | 963.63 | - | 963.63 |
| 459.75 | 533.75 | - | 993.50 | - | 993.50 |
| 500.00 | 513.63 | - | 1,013.63 | - | 1,013.63 |
| 750.00 | 388.63 | - | 1,138.63 | 25.03 | 1,113.60 |
| 1,000.00 | 263.63 | - | 1,263.63 | 75.54 | 1,188.09 |
| 1,200.00 | 163.63 | - | 1,363.63 | 116.51 | 1,247.13 |
| 1,355.29 | 86.00 | - | 1,441.29 | 148.32 | 1,292.97 |
| 1,512.37 | 7.46 | - | 1,519.83 | 180.50 | 1,339.33 |
| 1,600.00 | - | - | 1,600.00 | 213.34 | 1,386.66 |
| 1,750.00 | - | - | 1,750.00 | 273.80 | 1,476.20 |
| 2,000.00 | - | - | 2,000.00 | 353.84 | 1,646.17 |
Assumptions: municipal tax rate 7,38 %, church tax not taken into account.
| Earnings-related pension | National pension | Guarantee pension | Total pension | Tax | Net pension |
|---|---|---|---|---|---|
| - | 654.13 | 268.29 | 922.42 | - | 922.42 |
| 100.00 | 635.09 | 187.33 | 922.42 | - | 922.42 |
| 200.00 | 585.09 | 137.33 | 922.42 | - | 922.42 |
| 302.71 | 533.71 | 86.00 | 922.42 | - | 922.42 |
| 400.00 | 485.09 | 37.33 | 922.42 | - | 922.42 |
| 459.75 | 455.21 | 7.46 | 922.42 | - | 922.42 |
| 500.00 | 435.09 | - | 935.09 | - | 935.09 |
| 750.00 | 310.09 | - | 1,060.09 | - | 1,060.09 |
| 1,000.00 | 185.09 | - | 1,185.09 | 43.36 | 1,141.73 |
| 1,200.00 | 85.09 | - | 1,285.09 | 84.33 | 1,200.76 |
| 1,355.29 | 7.46 | - | 1,362.75 | 116.14 | 1,246.61 |
| 1,512.37 | - | - | 1,512.37 | 177.44 | 1,334.93 |
| 1,600.00 | - | - | 1,600.00 | 213.34 | 1,386.66 |
| 1,750.00 | - | - | 1,750.00 | 273.80 | 1,476.20 |
| 2,000.00 | - | - | 2,000.00 | 353.84 | 1,646.17 |
*Marriage, cohabitation or registered partnership
Assumptions: municipal tax rate 7,38 %, church tax not taken into account.