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Retirement Age in Finland

The age you can get a pension in Finland, how early you can retire, the changes already planned and whether you have to stop working.

Retirement age 65 Early retirement 63 Planned changes Rising Mandatory retirement 70

When can I retire in Finland?

Enter your date of birth to see when you reach the lowest old-age pension age.

Retirement age in Finland

65

The lowest age for the earnings-related old-age pension is 65 for people born from 1962 to 1964. For those born in 1965 or later it is linked to life expectancy and set the year they turn 62. The national pension starts at 65.

Early retirement in Finland

63

There is no general early pension. With 38 years of hard or strenuous work you can apply for a years-of-service pension from 63, and a partial old-age pension can be taken from 61.

Planned changes in Finland

Rising

Pension ages rise with life expectancy for people born from 1965, by about two months a year at most. The age for those born in 1965 is due to be set in autumn 2026.

Mandatory retirement in Finland

70

Employment ends automatically at the upper age limit: 70 for people born in 1962 or later, and 68 or 69 for those born earlier.

Checked 23 October 2026 against pension authorities, national laws and recent reporting on reforms. Your own age can depend on your contribution record and scheme, so confirm it with the pension authority before you plan. This is a summary, not financial or legal advice.

Age calculator

Your exact age today in years, months and days.

Legal ages in Finland

Voting, driving, drinking and marriage ages.

Savings goal calculator

How much to save each month to reach a target.

Retirement in Finland: questions and answers

What is the retirement age in Finland?

The lowest age for the earnings-related old-age pension is 65 for people born from 1962 to 1964. For those born in 1965 or later it is linked to life expectancy and set the year they turn 62. The national pension starts at 65.

How early can you retire in Finland?

There is no general early pension. With 38 years of hard or strenuous work you can apply for a years-of-service pension from 63, and a partial old-age pension can be taken from 61.

Is the retirement age going up in Finland?

Pension ages rise with life expectancy for people born from 1965, by about two months a year at most. The age for those born in 1965 is due to be set in autumn 2026.

Do you have to retire at a certain age in Finland?

Employment ends automatically at the upper age limit: 70 for people born in 1962 or later, and 68 or 69 for those born earlier.

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