Request a payment extension for your YEL invoice or change the instalments

If you cannot pay your YEL contribution on time, you can be granted an extended term of payment for your invoice. Be sure to request a payment extension before the invoice’s due date in the self-employed person’s online service. In the service, you can also change the instalment months and the number of instalments.

Request more time to pay online

You can request a payment extension for your invoice before the invoice’s due date. You can make the change in the self-employed person’s online service in the section ’List of contributions’. Please apply for an extension for the upcoming invoice in time, as we charge EUR 10 for sending a YEL reminder invoice.

If you defer the payment, late payment interest will be added to the YEL contribution starting from the original due date until the deferred payment date. According to the Interest Act, the late payment interest rate is 10,5 per cent during 1.7.–31.12.2025.

Be sure to always use the reference number indicated in your invoice when paying.

Make changes to instalments

If necessary, change the instalments of your YEL contributions at your convenience. You can pay your YEL contributions in 1, 2, 3, 4, 6 or 12 instalments per year. However, at least half of the contributions must fall due before August.

The selection of the instalment months also affects the amount of your YEL contribution. The most advantageous option is to pay the contributions in a single instalment in January. The contribution is either credited or debited with interest according to whether you pay early or late in the year.

According to the YEL-insurance terms, we may also change your YEL contribution to fall due in a single installment in the future if the contributions are under enforcement.

Unpaid insurance contributions

If the invoice remains unpaid, it will be sent to collection after the reminder and ultimately to enforcement.

We want to offer you flexible payment services. Please do not hesitate to contact us if extending the payment period yourself in the online service is not possible and you would like to discuss payment arrangements with us!

If you do not pay the contributions within five years from the date they were levied, the contributions will expire. Expired contributions reduce your pension. The YEL income for each year will decrease in proportion to the unpaid contributions.

Calculate your YEL conrticutions

Our YEL calculator allows you try out how different instalment months and amounts affect your YEL contribution.

Go to the YEL calculator to calculate your YEL contribution >

To change the instalments, log in to the self-employed person’s online service. Go to ’Insurance information’ and select the due months you want.

In the self-employed person’s online service you can

print out a YEL certificate
check the information on your paid and unpaid YEL contributions – it can be found in the section ’List of contributions’
make a copy of an invoice (pdf)
change the number of your instalments
request an extended term of payment
change your address, email and phone number
add a separate invoicing address
send us a message – to access messaging, click on the envelope to the right.