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Estimate your earned income

Your earned income under YEL is the value of your work input.  It has an impact on your pension and your other social security benefits. It is wise to take care of your earned income and your pension.

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Insurance contributions

Each YEL contribution increases your pension. And improves your other social security benefits. Your contributions are tax deductible.

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Pension and other social security

YEL insurance brings you security for your entire life – and beyond. If you lose your ability to work or the provider of your family, YEL insurance will help.

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Estimate of your YEL income

Earned YEL income must be between - € per year


Year of birth

YEL insurance contribution


YEL insurance contribution for new entrepreneurs*


* Discount 22 % for the first 4 years.

Daily sickness allowance


Basic daily allowance


Income must be at least

Parental allowance


earnings-related daily allowance


Income must be at least

Estimate of YEL pension


Lowest pension age years months


Target pension age years months

The amounts are estimates and calculated for the ongoing year. Earlier accrued earnings-related pension is disregarded in the calculation.

Number of instalments

Month for first instalment


    Due date YEL contribution New entrepreneur -22 %

    The number of instalments and due months affects the YEL contribution. The most economical way is to pay in one instalment in January.

    Are you considering hiring a new employee?

    Our salary calculator helps you to get a sense of the incidental wage costs involved in hiring a new employee or a pay rise. The calculator uses rates for current year. 

    Fill in the employee´s data


    Breakdown of salary costs

    Employer´s contribution

    Due gross pay to the employee

    Total hourly wage 0,00 ?
    Holiday compensation 0,00 ?
    Total gross pay0,00

    Employer´s costs

    Health insurance contribution 0,00 ?
    Earnings-related contribution 0,00 ?
    Unemployment insurance contribution 0,00 ?
    Accident insurance contribution 0,00 ?
    Group life insurance 0,00 ?
    Total incidental costs0,00

    Employee´s contribution

    Costs to be withheld from salary

    Earnings-related contribution 0,00 ?
    Unemployment insurance contribution 0,00 ?
    Tax on income 0,00 ?
    Amount to be paid to the employee0,00

    The employer´s costs vary according to the sector of industry and the company´s size. The default values used in the calculator are averages. Verify the conclusive rates and contributions from the tax authorities, KELA, your insurance company and from the collective agreement of the branch in question.

    Apply for an online invoice

    Online invoicing speeds up the handling of invoices, saves costs for your company and is also eco-friendly.

    Newly self-employed or establishing a company?




    A better working life


    When you feel good, you have the resources to do your job. If your work capacity weakens, apply for rehabilitation.