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YEL key figures 2016–2025

The YEL contribution percentage is confirmed by the Ministry of Social Affairs and Health. The YEL income limits are automatically adjusted each year using the wage coefficient.

YEL income lower and upper limits

YEL income has lower and upper limits. The limits change annually in accordance with the wage coefficient confirmed by the Ministry of Social Affairs and Health. If your YEL income is at least equal to the lower YEL income limit, you have the obligation to take out YEL insurance. Check the limits for 2016–2025 in the table below.

Year YEL income lower limit €/yr YEL income upper limit €/yr Unemployment security
lower limit €/yr		 Wage coefficient Change from the previous year in %
Year2025 YEL income lower limit €/yr9,208.43 YEL income upper limit €/yr209,125 Unemployment security
lower limit €/yr15,128		 Wage coefficient1,673 Change from the previous year in %2.19
Year2024 YEL income lower limit €/yr9,010.28 YEL income upper limit €/yr204,625 Unemployment security
lower limit €/yr14,803		 Wage coefficient1.637 Change from the previous year in %5.07
Year2023 YEL income lower limit €/yr8,575.5 YEL income upper limit €/yr194,750 Unemployment security
lower limit €/yr14,088		 Wage coefficient1.558 Change from the previous year in %3.79
Year2022 YEL income lower limit €/yr8,261.71 YEL income upper limit €/yr187,625 Unemployment security
lower limit €/yr13,573		 Wage coefficient1.501 Change from the previous year in %2.45
Year2021 YEL income lower limit €/yr8,063.57 YEL income upper limit €/yr183,125 Unemployment security
lower limit €/yr13,247		 Wage coefficient1.465 Change from the previous year in %1.31
Year2020 YEL income lower limit €/yr7,958.99 YEL income upper limit €/yr180,750 Unemployment security
lower limit €/yr13,076		 Wage coefficient1.446 Change from the previous year in %2.04
Year2019 YEL income lower limit €/yr7,799.37 YEL income upper limit €/yr177,125 Unemployment security
lower limit €/yr12,816		 Wage coefficient1.417 Change from the previous year in %1.86
Year2018 YEL income lower limit €/yr7,656.26 YEL income upper limit €/yr173,875 Unemployment security
lower limit €/yr12,576		 Wage coefficient1.391 Change from the previous year in %0.14
Year2017 YEL income lower limit €/yr7,645.25 YEL income upper limit €/yr173,625 Unemployment security
lower limit €/yr12,564		 Wage coefficient1.389 Change from the previous year in %0.16
Year2016 YEL income lower limit €/yr7,557.18 YEL income upper limit €/yr171,625 Unemployment security
lower limit €/yr12,420		 Wage coefficient1.373 Change from the previous year in %0.73

 

YEL contribution percentages

The size of your YEL insurance contribution is affected by four factors: your YEL income, the insurance contribution percentage, the instalment months and whether you work as an entrepreneur for the first time. The insurance contribution percentage is determined based on age.

Year Insurance contribution % 18-67 yrs Insurance contribution % 53-62 yrs New entrepreneur's
contribution %
18-67 yrs		 New entrepreneur's
contribution %
53-62 yrs		 Insurance contribution
interest %
2025 24.10 25.60 18.798 19.968 2.65
2024 24.10 25.60 18.798 19.968 4.10
2023 24.10 25.60 18.798 19.968 2.45
2022 24.10 25.60 18.798 19.968 2.00
2021 24.10  25.60 18.798  19.968 2.00
2020 24.10  25.60 18.798  19.968 2.00
2019 24.10  25.60 18.798  19.968 2.00
2018 24.10  25.60 18.798  19.968 2.00
2017 24.10  25.60 18.798  19.968 2.00
2016 23.60  25.10 18.408  19.578 2.00

 

The transitional provision is in force in 2017–2025.

  • The insurance contribution for an entrepreneur aged 53–62 is 1.5 percentage points higher
  • The pension accrual rate is 1.7% for entrepreneurs aged 53–62 and 1.5% for others.