YEL calculator
Calculate the entrepreneur's pension insurance contribution for 2026. The YEL contribution is 24.4 % of work income for entrepreneurs of all ages, and a new entrepreneur gets a 22 % discount on it.
Work income is the value of your work input, i.e. the salary you would have to pay someone doing equivalent work. It is not the business's revenue or profit.
- YEL contribution per year
- 7,320.00 €
- YEL contribution per month
- 610.00 €
- Contribution rate
- 24.4 %
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How the calculator works
The YEL contribution is the contribution rate multiplied by the confirmed YEL work income. In 2026, the contribution rate is 24.4 % regardless of age.
A first-time entrepreneur gets a 22 % discount for 48 months, making the contribution 19.032 % of work income.
YEL insurance is taken out when work income is at least 9,423.09 € per year. The upper limit for work income is 214,000.00 €. The calculator shows the annual contribution without instalment interest, so the contribution calculated by the pension company may be a few euros higher.
The calculator gives an indicative estimate and is not tax or investment advice. Check your own situation with an accountant or the Finnish Tax Administration. Find an accountant
Frequently asked questions
Work income is the value of your work input, i.e. the salary that would have to be paid if someone else did your work. It is not the business's revenue or profit. Work income determines your YEL contribution as well as sickness allowance, parental allowance, unemployment security and pension.
The YEL contribution is 24.4 % of work income for all ages. A new entrepreneur pays 22 % less for 48 months, i.e. 19.032 % of work income.
Yes. YEL contributions can be deducted in full either in the company's taxation or in your personal taxation.
When you are an entrepreneur or light entrepreneur aged 18–69, your business has continued for at least four months and your estimated work income is at least 9,423.09 € a year.
Get notified when the figures change
We will update the calculators when the 2027 tax rates and contributions are confirmed. Subscribe to get notified, along with entrepreneur tips on saving time and money in financial administration.
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