YEL calculator · Self-employed
How much does YEL cost in 2026?
In 2026 the YEL contribution is 24.4% of your YEL income, for self-employed people of every age. For example, with a YEL income of 30 000 € a year the contribution is 7 320 € a year, or 610 € a month. A new entrepreneur with the same income pays 5 709,60 € a year, or 475,80 € a month.
Calculate your own contribution below. Enter your YEL income to see the YEL contribution, the new entrepreneur discount and the health insurance daily allowance contribution. The result is an indicative estimate.
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Table
YEL contribution by YEL income in 2026
The table shows the 2026 YEL contribution at different income levels, both at the normal rate and with the 22% new entrepreneur discount. Figures use the same model as the calculator and are rounded to the nearest euro.
| Income €/yr | YEL €/yr | YEL €/mo | New entr. €/yr | New entr. €/mo |
|---|---|---|---|---|
| 10 000 € | 2 440 € | 203 € | 1 903 € | 159 € |
| 15 000 € | 3 660 € | 305 € | 2 855 € | 238 € |
| 20 000 € | 4 880 € | 407 € | 3 806 € | 317 € |
| 25 000 € | 6 100 € | 508 € | 4 758 € | 397 € |
| 30 000 € | 7 320 € | 610 € | 5 710 € | 476 € |
| 40 000 € | 9 760 € | 813 € | 7 613 € | 634 € |
| 50 000 € | 12 200 € | 1 017 € | 9 516 € | 793 € |
| 60 000 € | 14 640 € | 1 220 € | 11 419 € | 952 € |
The table shows the YEL contribution only. The health insurance daily allowance contribution comes on top, and the calculator shows it separately.
YEL contribution rate in 2026
The YEL contribution is 24.4% of YEL income in 2026, and the rate is the same for every age group.
In 2025 the rate was 24.1%, and people aged 53–62 paid a higher 25.6%. From 2026 onwards age no longer affects the YEL rate.
YEL income minimum and maximum in 2026
The YEL income minimum is 9 423,09 € and the maximum 214 000 € a year in 2026. Below the minimum you do not need to take out YEL insurance.
The smallest YEL contribution is calculated from the minimum income: 2 299,23 € a year, or 191,60 € a month. For a new entrepreneur the minimum contribution is 1 793,40 € a year.
New entrepreneur discount of 22%
A new entrepreneur gets a 22% discount on the YEL contribution for the first 48 months. In 2026 the discounted rate is 19.03% of YEL income.
For example, with a YEL income of 30 000 € the discount lowers the contribution by 1 610,40 € a year.
Sources
- Finnish Centre for Pensions (ETK): pension contributions in 2026
- Elo: YEL 2026, income minimum and maximum
- Elo: new entrepreneur discount
Checked 29 Sep 2026.
FAQ
Frequently asked questions
How much is the YEL contribution per month?
The YEL contribution is 24.4% of YEL income in 2026. For example, with an income of 20 000 € the contribution is 406,67 € a month, and with 30 000 € it is 610 € a month. A new entrepreneur pays 22% less for the first 48 months.
What is the minimum YEL contribution in 2026?
The smallest YEL contribution is calculated from the income minimum of 9 423,09 €. That gives 2 299,23 € a year, or 191,60 € a month. For a new entrepreneur the minimum contribution is 1 793,40 € a year. Below the minimum income you do not need to take out YEL insurance.
What is the YEL contribution rate?
The YEL rate is 24.4% in 2026 for every age group. In 2025 it was 24.1%, and 25.6% for people aged 53–62. With the new entrepreneur discount the rate is 19.03% of YEL income.
How is the YEL contribution calculated?
The YEL contribution is your YEL income multiplied by the contribution rate. In 2026 that is income × 24.4%, and for a new entrepreneur income × 19.03%. YEL income is not your company's turnover, profit or the salary you draw, but an estimate of the value of your own work input.
How much does YEL cost for a new entrepreneur?
A new entrepreneur gets a 22% discount on the YEL contribution for the first 48 months, so the rate is 19.03% of YEL income. For example, with an income of 20 000 € the contribution is 3 806,40 € a year, or 317,20 € a month.