Estimate the Finnish entrepreneur pension insurance contribution from your työtulo. Includes the 22% new-entrepreneur discount and shows annual and monthly amounts.
Start invoicing| Estimate | |
|---|---|
| Effective rate | 24.40 % |
| YEL fee per year | 6 100 € |
| YEL fee per month | 508,33 € |
Enter your estimated YEL työtulo and tick the box if you are a new entrepreneur. The calculator shows the contribution rate, annual YEL fee and monthly amount.
Add the estimated annual monetary value of your work input.
Select whether you receive the 22% new-entrepreneur discount.
See annual contribution, monthly contribution and the new-entrepreneur discount effect.
YEL työtulo is not turnover or profit. It is an estimate of the value of your work input, and it affects both current social security and future pension.
YEL työtulo affects sickness allowance, parental allowance, unemployment security and future pension accrual.
The calculator converts the annual YEL contribution into a monthly cost, making it easier to include in pricing.
YEL (yrittäjän eläkevakuutus) is the statutory pension insurance for self-employed people in Finland. The contributions you pay accrue your future pension and qualify you for Finnish social-security benefits that depend on confirmed työtulo.
YEL is mandatory when all of these conditions are met:
For light entrepreneurs, YEL may become mandatory if income through the service exceeds the lower limit.
Työtulo is an estimate of the monetary value of your own work input: what it would cost to hire someone else to do the same work. It is not your turnover or profit. A higher työtulo means better pension and social-security cover, but also a higher YEL contribution.
In 2026 the YEL contribution rate is 24.40% of confirmed työtulo for all entrepreneurs regardless of age. New entrepreneurs receive a 22% discount for the first four years.
Yes. YEL contributions are fully deductible in your personal Finnish income taxation.
You take out YEL insurance directly with a Finnish pension insurance company, such as Elo, Ilmarinen, Varma or Veritas. bisse.fi is not a pension provider, but we can help you estimate the right työtulo level for your situation.
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