State pension age in Finland (2026)
Last reviewed: 30 October 2026
In short: In Finland's earnings-related pension scheme the retirement age rises by three months per birth year from those born in 1955 until it is 65 for those born from 1962 to 1964. For people born in 1965 or later it is linked to life expectancy, first adjusted in 2027. A partial old-age pension can be taken from age 62.
| Rule | What applies |
|---|---|
| Statutory pension age in 2026Statutory old-age pension | The retirement age of the earnings-related pension rises by three months for each birth year from those born in 1955, from 63 years until it is 65 years for people born between 1962 and 1964. [1] |
| Highest age already set in law or official publicationStatutory old-age pension | For people born in 1965 or later the retirement age is linked to life expectancy. The first adjustment is made in 2027 for those born in 1965 (65 years and 2 months at most, 64 years and 10 months at least); the age can change by at most two months per year. [1] |
| Scheduled path of the ageStatutory old-age pension | Retirement age rises by three months per birth year from those born in 1955 until it is 65 for those born 1962 to 1964. From those born in 1965 it is adjusted to life expectancy, the first time in 2027, by full months and at most two months per year. [1] |
| Early retirement (national rule)Statutory old-age pension | A partial old-age pension (25 or 50 per cent of the pension) can be taken from age 62, reduced permanently by 0.4 per cent for each month taken before the retirement age. For people born in 1965 or later the age limit for the partial old-age pension is linked to life expectancy. [2] |
Notes
- This is the retirement age of the earnings-related pension. The old-age retirement age of the national (Kela) pension is 65 years and will rise correspondingly for those born in 1965 or later.
- Part of the pension can be taken early from age 62 with a permanent reduction of 0.4 per cent for each month taken before the retirement age.
Sources
- Finnish Centre for Pensions (Eläketurvakeskus): Determining the retirement age for the old-age pension (consulted 30 October 2026) · all sources
- Finnish Centre for Pensions (Eläketurvakeskus): Old-age Pension (consulted 30 October 2026) · all sources
Related pages
General information, not legal advice. Rules change: check the official source before you fly or ride.