How to get your Finland pension statement

Työeläkeote

Known in English as the Earnings-related pension record. Look for this name on the site — it may not be translated.

• Your Finnish personal identity code (henkilötunnus), on Finnish payslips and tax cards.
• Finnish online banking credentials or a mobile certificate — the standard authentication, and hard to keep once you close a Finnish bank account.
• The names of your Finnish employers: the earnings-related pension is administered by private providers, so knowing which one covered you shortens everything.

1. 1
   Open Työeläke.fi

   This is the joint service of the Finnish earnings-related pension providers. It shows the record for all of them, whichever company insured you.

   Open this page ↗
2. 2
   Sign in and open your pension record

   The työeläkeote lists your annual earnings and the pension accrued from them, plus periods credited for study, parental leave and unemployment benefit.
3. 3
   Check the earnings year by year

   Finnish accrual is a percentage of earnings, so an omitted year is a permanent loss unless corrected. Providers are required to correct errors, but the practical window is limited — raise anything now rather than at claim time.
4. 4
   Check the national pension with Kela separately

   The residence-based national pension and guarantee pension are Kela's, not the providers'. If you lived in Finland but earned little, this is the part that matters, and it is not on työeläke.fi.

   Open this page ↗
5. 5
   Save both

   Keep the earnings-related record and, where relevant, Kela's statement. ETK, the Finnish Centre for Pensions, is the coordinating body for international cases and the right contact if you are abroad.

   Open this page ↗

You no longer have Finnish bank credentials, so you cannot log in

This is the common case after leaving. ETK handles international enquiries and your pension provider will post the record on a written request quoting your personal identity code. An EU eID may also work if your current country issues one.

You do not know which provider insured you

You do not need to: the record is joint across all of them. If you must contact one directly, ETK can tell you which company covered a given employer.

You worked in Finland only briefly

Keep the record anyway. Finland has no minimum period for the earnings-related pension — even a few months accrues a small permanent entitlement, and short periods also count toward eligibility elsewhere in the EU.

Whether Työeläke.fi currently accepts non-Finnish EU eIDs for login.

Upload the statement to your vault and we'll read the figures out of it — balances, benefits, vesting and retirement ages — and tell you what changed since your last one.