Average monthly pension in Finland in 2025: €2,138
The average monthly pension for Finns in 2025 was 1,930 euros for women and 2,388 euros for men. Earnings-related pensions and pensions paid by Kela amounted to 39.8 billion euros. These data stem from recent joint statistics of the Finnish Centre for Pensions and Kela.
At year-end 2025, earnings-related and national pensions were paid to 1,607,000 persons residing in Finland.
“Most of these pensions are old-age pensions, paid mainly to recipients aged 65 or older”, says Statistics Planner Joonas Hautamäki from the Finnish Centre for Pensions.
The number of younger old-age pension recipients has decreased sharply in recent years.
“For instance, in 2017, a total of 108,000 persons under age 65 received an old-age pension. In 2025, they numbered 20,000.” The change is mainly due to the rising retirement age.
Recipients of the partial old-age pension are not included in the figure for old-age pension recipients.
More than half get a monthly pension that is less than 2,000 euros
In 2025, the average monthly gross pension of people living in Finland was 2,138 euros. For just over half, the pension was less than 2,000 euros per month.
From a gender perspective, 62 per cent of the women and 46 per cent of the men received a monthly pension of less than 2,000 euros.
Few pensioners who reside in Finland get a monthly gross pension of more than 4,000 euros. In 2025, around 10 per cent of the men and 3 per cent of the women received a monthly pension of more than 4,000 euros.
More than 1 per cent of pensioners in Finland had a monthly pension of over 6,000 euros. Most of them were men.
Highest pensions in the capital area
As in previous years, the highest average monthly pensions were paid in Uusimaa. The smallest average monthly pensions were paid in Southern Ostrobothnia.
Of all persons aged 16 or above, nearly one third received a pension in 2025.
Pension expenditure €40 billion
In 2025, earnings-related pensions and pensions paid by Kela amounted to 39.8 billion euros. Earnings-related pension providers paid out 37.2 billion euros in earnings-related pensions. Kela paid national and guarantee pensions to the amount of 2.6 billion euros. Old-age pensions accounted for 87 per cent of the total pension expenditure. Disability pensions accounted for 7 per cent and survivors’ pensions for 5 per cent of the total pension expenditure in Finland in 2025.
What does the average pension depict?
The average pension depicts the average total pension of recipients residing in Finland. The pension benefits included are earnings-related pensions, national pensions, special provision pensions comparable to them, and the guarantee pension. The data exclude persons who get a partial old-age pension or only a survivors’ pension.
For the first time, the statistics now also includes data on all recipients of statutory pensions as both those who received only a guarantee pension or a special provision pension were included. In 2025, around 120,000 persons received a guarantee pension. Around 3,000 of them received only a guarantee pension. Half of retirees under age 60 received a guarantee pension.
The pension income is in gross amounts.
The data are based on joint statistics of the Finnish Centre for Pensions and Kela.
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