Calculation formula

You can estimate the amount of the national pension in the following way:

The full amount of the national pension is reduced by half of the difference between the applicant's earnings-related pensions and the income limit for entitlement to a full national pension. The calculation formula cannot be used if you have lived or worked abroad. Contact Kela to get information about how residence abroad affects the amount of the national pension.

Calculation formula for persons who live alone: EUR 628.85 – (gross earnings-related pensions – EUR 55.54) : 2

For persons living together with another person: EUR 557.79 – (gross earnings-related pensions – EUR 55.54) : 2

Example 1

Mirja and Matti live together as an unmarried couple. Matti receives an earnings-related pension of EUR 850 per month, while Mirja's pension totals EUR 500 per month (both amounts are before taxes).

• Matti's national pension: EUR 557.79 – (EUR 850 – EUR 55.54) : 2 = EUR 160.56
• Mirja's national pension: EUR 557.79 – (EUR 500 – EUR 55.54) : 2 = EUR 335.56

Matti will receive a national pension of about EUR 160 and Mirja a national pension of about EUR 336 per month. Neither qualifies for a guarantee pension.

Example 2

Kalle and Kaisa are married. Kalle receives an earnings-related pension of EUR 1.200 per month. He does not qualify for a national pension.

Kaisa has spent many years looking after their children at home. Her earnings-related pension only comes to about EUR 400 per month. Her national pension amounts to about EUR 386 per month. In total, Kaisa receives EUR 786 per month in pensions. She does not qualify for a guarantee pension.

Example 3

Maija retires on an earning-related pension at age 63. Her earnings-related pension comes to EUR 700 per month. She applies for a national pension immediately two years early. Her national pension will be 9.6% (appr. EUR 30 per month) smaller than it would be had she taken it out at age 65.

Maija lives alone and receives a national pension of about EUR 277 per month. Her pensions come to about EUR 977 per month in total. She does not qualify for a guarantee pension.