Retirement Calculator: Finland

Project your retirement savings year by year, in today’s money after inflation, with the income a 4% withdrawal supports and your financial-independence age.

Reviewed August 30, 2026CentExact EditorialRates effective October 1, 2023SourceNothing you enter leaves your browser.

For how the calculation works, the formula behind it and what it leaves out, see the full guide.

Data sources

Finnish consumer finance conventions
Effective 2023-10-01 onward · retrieved 2026-08-30
- Finnish Centre for Pensions: retirement ages
- Ministry of Justice: interest rate cap on consumer credit
The pension age is tied to life expectancy for cohorts born from 1965.
How we checked these figures
The Finnish Centre for Pensions publishes 65 as the lowest old-age pension age for those born in 1962 or later.
Current

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Each country has its own rates, thresholds and rules, and its own page with the official sources they came from.

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Every CentExact calculator is built from the published finance formula, tested against spreadsheet, lender and tax-authority figures, and reviewed when the underlying rates or rules change.

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This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.