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Apply for more time to pay or adjust your YEL instalments

If paying your YEL contribution on time isn’t possible, you can easily apply for more time or adjust your instalments in our online service. We’re here to support you when everyday life as an entrepreneur changeApply for more time to pay or adjust your YEL instalmentss.

When can I apply for more time to pay a YEL invoice?

You can apply for more time if you’re unable to pay your YEL invoice by the due date. In the online service, you’ll see right away whether an extension is available.

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How to apply online:

  • Log in to the online service
  • Select your YEL insurance
  • Go to Contributions
  • Select Extend term of payment, if the button is visible
  • Click the calendar icon under Choose a new payment date and select the latest date you want for the invoice
  • Click Calculate
  • You can still change the date before confirming
  • Finally, select Confirm new due date

Once confirmed, you can’t change the new due date in the online service. If you need to make further changes to your payment plan, click the envelope icon in the service and send us a message.

Apply in time

If the invoice becomes overdue and a reminder is sent, we charge a €10 reminder fee

What does an extended payment time mean for my YEL contribution?

When you move the payment to a later date:

  • Late-payment interest is charged from the original due date until the new payment date
  • You can pay the invoice in smaller amounts before the new due date
  • Any amount paid after the original due date accrues late-payment interest
  • The late-payment interest rate is 10.5% for the period 1 Jan–31 Dec 2026, in accordance with the Interest Act
  • Always use the reference number on the invoice so the payment is allocated correctly

How can I change my YEL instalments?

You can change your instalments if you want to spread your payments in a way that suits you better.


How to change instalments:

  • Log in to the online service
  • Select your YEL insurance
  • Choose Change instalment months
  • Select a payment schedule that suits you
  • Choose when you want the change to take effect
  • Click Save

You can pay your YEL contribution in:

  • 1, 2, 3, 4, 6 or 12 instalments per year
  • At least half of the instalments must fall due before August

The change does not affect invoices that have already been sent.

What if I don’t pay my YEL contribution?

If a YEL invoice remains unpaid:

  • It is transferred to debt collection after a reminder
  • Ultimately, collection may involve enforcement

Contributions expire after five years, but expired contributions:

  • Reduce your pension
  • Lower your YEL earned income for that year in proportion to the unpaid amount
Log in to the online service and manage your YEL contributions

What if you can’t make the change yourself in the online service?

We want to offer flexible payment solutions. If you can’t apply for more time or make a change in the online service, don’t hesitate to contact us – we’ll review your situation together.

FAQ

  1. Not always. It’s best to apply before the due date.

    If the invoice is already overdue, you may not be able to apply on your own in the online service, and a paid reminder may be sent. In that case, contact us as soon as possible.

  2. Paying your YEL contribution in one instalment in January is the most affordable option. You receive an interest credit. If payments are weighted toward the end of the year, interest is added.

  3. Yes, if your situation changes.

    You can change instalments in the online service under Change instalment months, as long as the changes comply with the insurance terms: at least half of the payments must fall due before August.

  4. An extension does not reduce your pension. Unpaid and expired YEL contributions do reduce your pension, because your YEL earned income for that year is lowered in proportion to the unpaid amount.

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