TyEL calculator

The pension cover of your employees is your responsibility. Our TyEL calculator calculates the amount of your insurance contribution. You will get a listing of your TyEL contribution due dates and you will see how the different instalment options impact the contributions.

Enter information

Salary month
Select the month from which you want to change the due date of the insurance contribution.

Payroll
Enter the payroll you paid in the wage payment month that you selected. The payroll amount must be between EUR 50,00 and EUR 1,000,000.

Contribution percentage
The calculator's 25.45% TyEL contribution percentage consists of the basic contribution rate and the average administrative cost for 2025. In 2026, the corresponding figure is 25.01%. In addition, client bonuses lower your company's TyEL contribution. Contribution percentage should be between 15 % and 35 %.

Due date

Select a new due date for the next month. The new due date will also be valid for the following invoices unless you change it again in our online service. The due date of an invoice that has already been sent cannot be changed.

Summary

Insurance contributions

For the chosen month

For the rest of the year

€

Your insurance contribution for the wage payment month you selected and an estimate of the contributions for the rest of the year presuming that the payroll remains the same.

Insurance contribution interests

For the chosen month

For the rest of the year

€

If you deferred the insurance contribution due date, insurance contribution interest will be added to it. The insurance contribution interest rate may change every six months. This calculation uses a 2,10 % insurance contribution interest rate between 1.7.-31.12.2025 and 2,20 % from 1.1.2026.

Total payment

For the chosen month

For the rest of the year

€

An estimate of the total insurance contributions and interest for the wage payment month you selected. The estimate for the rest of the year presumes that no changes will occur in the payroll and due dates.

As a customer, you can calculate your exact TyEL contribution

You can see your company’s actual TyEL contribution percentage by logging into the employer’s online service. The actual TyEL contribution will be calculated based on the earnings payment reports that you submit to the Incomes Register.

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Great news! As of the beginning of 2026, up to 90% reduction in TyEL insurance's adminstrative costs for micro-employers.