eläketili

An **eläketili** (Finnish for "pension account") refers to a financial account used in Finland to manage pension contributions and savings. Introduced as part of Finland’s pension reform in 2017, the system aims to simplify pension administration by consolidating various pension funds into a single digital platform.

The eläketili aggregates contributions from different pension providers, including occupational pensions, private savings, and state pensions. Employers, employees, and self-employed individuals can view their pension entitlements, contribution history, and projected future benefits through the account. The system also allows users to compare different pension options and make informed decisions about their retirement planning.

One key feature of the eläketili is its transparency, as it provides a clear overview of accumulated pension rights. Users can access their account online via the [Kela](https://www.kela.fi) website or the [Pension Insurance Centre](https://www.etk.fi) portal. The account does not replace existing pension funds but serves as a tool for better financial oversight.

The eläketili is part of Finland’s broader pension reform, which includes the introduction of the **basic pension** (*peruspension*) and adjustments to occupational pension schemes. While the system is voluntary for some components, most pension contributions are automatically included. Individuals can also supplement their pension savings through voluntary contributions or private investments.

The eläketili is maintained by the Pension Insurance Centre (ETK) in collaboration with Kela and other pension providers. It is designed to help Finns better understand their pension rights and prepare for retirement in a structured manner.