Finnish employees’ average monthly insured earnings in 2017 were 2,860 euros. The median was 2,610 euros, according to statistics from the Finnish Centre for Pensions.

1. Persons insured for an
earnings-related pension in
Finland 2017
Official Statistics of Finland (OSF): Persons insured for an earnings-related pension in Finland [e-publication].
ISSN 2343-1369. Helsinki: Finnish Centre for Pensions 2018

2. 2FINNISH CENTRE FOR PENSIONS | Persons insured for an earnings-related pension 3 Dec 2018
TyEL
1,552,000
MEL
5,000
YEL
204,000
MYEL
62,000
JuEL
(Municipal
Sector)1
529,000
JuEL
(State)2
137,000
JuEL (Church)
18,000 Other public
9,000
Insured persons in employment or self-
employment by pension act at year-end 2017
A person may be insured simultaneously under different pension acts. By the end of 2017, a total of 2.4 million
persons were insured for an earnings-related pension.
1) Includes 40,000 family caregivers, private care providers, persons elected to a position of trust etc. covered by the
Public Sector Pensions Act (JuEL/Municipal Sector).
2) Includes 6,000 board members, consultants, Members of Parliament etc. covered by he Public Sector Pensions Act
(JuEL/State).

3. 3FINNISH CENTRE FOR PENSIONS | Persons insured for an earnings-related pension 3 Dec 2018
Persons aged 17–68 covered by the earnings-
related pension scheme at year-end 2017
by age
64
9
59
76
76
70
58
8
4
5
6
10
31
15
4
15
16
17
19
11
13
87
22
3
1
1
0 % 10 %20 %30 %40 %50 %60 %70 %80 %90 %100 %
All
65–68
55–64
45–54
35–44
25–34
17–24
In employment at 31.12.2017
In employment during 2017, not at 31.12.
In employment before 2017
Retired at 31.12.2017
414,700
754,300
734,800
750,300
770,100
304,200
3,728,400
0 10 20 30 40 50 60 70 80 90 100 %
PersonsAge

4. 4FINNISH CENTRE FOR PENSIONS | Persons insured for an earnings-related pension 3 Dec 2018
Insured persons in employment or self-
employment at year-end 2017 by earnings-
related pension act and gender
Persons may be covered by more than one earnings-related pension act. Persons are counted only once
for the Private sector, Public sector and All figures.
*Includes persons insured under JuEL (Kela), Pension regulation for the Bank of Finland, and
Pension regulation for the regional government of Åland.
51
30
45
23
27
68
66
68
58
59
49
70
55
77
73
32
34
32
42
41
0 % 10 %20 %30 %40 %50 %60 %70 %80 %90 %100 %
All
JuEL (Church)
JuEL (State)
JuEL (Municipal Sector)
Public sector*
MYEL
YEL
MEL
TyEL
Private sector
Men Women
Persons
0 10 20 30 40 50 60 70 80 90 100 %
Pension act
1,784,700
1,552,100
5,400
204,100
62,400
680,900
529,000
136,800
17,500
2,382,000

5. 5FINNISH CENTRE FOR PENSIONS | Persons insured for an earnings-related pension 3 Dec 2018
Persons covered for the first time under
earnings-related pension acts in 2007–2017
0
10 000
20 000
30 000
40 000
50 000
60 000
70 000
80 000
90 000
100 000
110 000
120 000
130 000
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Private sector Public sector
Persons

6. 6FINNISH CENTRE FOR PENSIONS | Persons insured for an earnings-related pension 3 Dec 2018
Persons receiving benefits for unpaid periods
and under VEKL* provisions in 2007–2017
0
100 000
200 000
300 000
400 000
500 000
600 000
700 000
800 000
900 000
1 000 000
1 100 000
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Women Men
Persons
*Act on Compensation for Pension Accrual from State Funds for Periods of Caring
for a Child Aged under Three and Periods of Study.

7. 7FINNISH CENTRE FOR PENSIONS | Persons insured for an earnings-related pension 3 Dec 2018
Benefits for unpaid periods based on the
completion of degrees and qualifications
by type of qualification and gender
53%
12%
19%
16%
Men
Initial vocational qualification 25 000
Lower university degree 5 800
University of applied sciences degree 8 900
Higher university degree 7 300
44%
14%
24%
18%
Women
Initial vocational qualification 26 900
Lower university degree 8 800
University of applied sciences degree 14 500
Higher university degree 10 800
46,600
persons
60,400
persons

8. 83 Dec 2018FINNISH CENTRE FOR PENSIONS | Persons insured for an earnings-related pension
Employees’ insured monthly earnings
in 2017 by age
Whole earnings-related pension sceme
17–29 30–39 40–49 50–59 60–68 All
Average 1 754 2 926 3 518 3 455 2 896 2 858
Median 1 637 2 759 3 103 3 016 2 585 2 609
0
500
1 000
1 500
2 000
2 500
3 000
3 500
4 000
€/month
655,000 572,000 530,000 546,000 244,000 2,547,000Persons:
Average monthly earnings are calculated by dividing annual insured earnings by number
months in employment.

9. 93 Dec 2018FINNISH CENTRE FOR PENSIONS | Persons insured for an earnings-related pension
Employees insured monthly earnings in 2017,
by main earnings-related pension acts
TyEL
JuEL
(Municipal
Sector)*
JuEL (State) All employees
Average 2 798 2 422 3 267 2 858
Median 2 518 2 394 3 378 2 609
0
500
1 000
1 500
2 000
2 500
3 000
3 500
€/month
1,872,000 633,000 160,000 2,547,000Persons:
Average monthly earnings are calculated by dividing annual insured earnings by number
months in employment.
*Employees and civil servants

10. 103 Dec 2018FINNISH CENTRE FOR PENSIONS | Persons insured for an earnings-related pension
0 2 4 6 8 10 12 14 16 18 %
Women (1,296,000)
Breakdown of average monthly insured earnings
by income category in 2017 by gender
024681012141618%
Men (1,251,000)
Average earnings
€/month
7,500–
7,000–7,499
6,500–6,999
6,000–6,499
5,500–5,999
5,000–5,499
4,500–4,999
4,000–4,499
3,500–3,999
3,000–3,499
2,500–2,999
2,000–2,499
1,500–1,999
1,000–1,499
500–999
–499
Average monthly earnings are calculated by dividing annual insured earnings by number
months in employment.