YRITTÄJÄ, tule mukaan omiesi pariin! Liity Yrittäjiin.

JÄSEN, oletko jo ladannut Yrittäjät-sovelluksen puhelimeesi? Lataa sovellus Androidille tai Applelle.

15.10.2025 02:29
News

How much your YEL contribution will be next year

YEL contributions will no longer be linked to age.

The labour market organizations’ pension negotiation committee has completed its proposal for private-sector employee’s pension contributions and entrepreneur’s employment contributions for 2026.

The proposal sees the YEL percentage rising to 24.4 next year. The Finnish Centre for Pensions says business owners’ YEL contributions will on average remain at the same level as in 2025. This is because of the end to age-linked contributions. However, in practice a large group is facing an increase in their YEL percentage, from 24.1% to 24.4%, an increase of 0.3 percentage points.

One age group wins from the end to age-linked pension contributions: 53–62-year-olds, whose YEL contributions have been 25.6% for years. Now, the harmonization of contribution percentages reduces their YEL bills if their YEL income remains the same. For business owners aged under 53 and 63 or over, the end to age-linked YEL contributions increases their contributions by 0.3 percentage points.

The end of age-linked contributions also affects employees’ pension contributions. This year, employees aged 53–62 have contributed 8.65% of their salaries to their pensions. But for those aged under 53 and 63 and over, that same contribution was 7.15% this year. Next year, all employees will pay a 7.3% employee’s pension contribution, which means that 53–62-year-olds’ contributions will fall as others’ rise.

The pension providers have yet to apply to the Ministry of Social Affairs and Health for criteria for employee’s pension contributions, which the ministry will approve independently.

Read also Pentikäinen criticizes idea of removing YEL income floor

YearYEL contribution %, avg., incl. discountYEL contribution %, under 53 and 63 or olderYEL contribution %, 53–62
202623.024.424.4
202523.124.125.6
202423.224.125.6
202323.224.125.6
202223.224.125.6
202123.124.125.6
202023.124.125.6
Source: Finnish Centre for Pensions   

Are you a Suomen Yrittäjät member yet? Read more about member benefits and advantages!