Buy Log in

YEL key figures 2016–2026

The YEL contribution percentage is confirmed by the Ministry of Social Affairs and Health. The YEL income limits are automatically adjusted each year using the wage coefficient.

YEL income lower and upper limits

YEL income has lower and upper limits. The limits change annually in accordance with the wage coefficient confirmed by the Ministry of Social Affairs and Health. If your YEL income is at least equal to the lower YEL income limit, you have the obligation to take out YEL insurance. Check the limits for 2016–2026 in the table below.

Year YEL income lower limit €/yr YEL income upper limit €/yr Unemployment security lower limit €/yr Wage coefficient Change from the previous year in %
2026 9 423,09 214 000 15 481 1,712 2,33
2025 9,208.43 209,125 15,128 1,673 2.19
2024 9,010.28 204,625 14,803 1.637 5.07
2023 8,575.5 194,750 14,088 1.558 3.79
2022 8,261.71 187,625 13,573 1.501 2.45
2021 8,063.57 183,125 13,247 1.465 1.31
2020 7,958.99 180,750 13,076 1.446 2.04
2019 7,799.37 177,125 12,816 1.417 1.86
2018 7,656.26 173,875 12,576 1.391 0.14
2017 7,645.25 173,625 12,564 1.389 0.16
2016 7,557.18 171,625 12,420 1.373 0.73

 

YEL contribution percentages

The size of your YEL insurance contribution is affected by four factors: your YEL income, the insurance contribution percentage, the instalment months and whether you work as an entrepreneur for the first time. The insurance contribution percentage is determined based on age.

Starting in 2026, the increased pension contribution for entrepreneurs aged 53–62 will be abolished, and the YEL contribution will be 24.4 percent of the confirmed income for everyone.

Year Insurance contribution % 18-67 yrs Insurance contribution % 53-62 yrs New entrepreneur's
contribution %
18-67 yrs		 New entrepreneur's
contribution %
53-62 yrs		 Insurance contribution
interest %
2026 24.40 24.40 19.032 19.032 2.20
2025 24.10 25.60 18.798 19.968 2.65
2024 24.10 25.60 18.798 19.968 4.10
2023 24.10 25.60 18.798 19.968 2.45
2022 24.10 25.60 18.798 19.968 2.00
2021 24.10  25.60 18.798  19.968 2.00
2020 24.10  25.60 18.798  19.968 2.00
2019 24.10  25.60 18.798  19.968 2.00
2018 24.10  25.60 18.798  19.968 2.00
2017 24.10  25.60 18.798  19.968 2.00
2016 23.60  25.10 18.408  19.578 2.00

 

Pension accrual is 1.5% of YEL income. The transitional provision is in force in 2017–2025:

  • The insurance contribution for an entrepreneur aged 53–62 is 1.5 percentage points higher
  • The pension accrual rate is 1.7% for entrepreneurs aged 53–62 and 1.5% for others.
Last updated on