Pension and taxes: you need a separate tax card for pension income

Getting started

• On the MyTax home page, go to Tax card and prepayments 2024 and select Tax cards and prepayments.
• Select Request a new tax card.
• Click Select the complete tax card request.

The request has 6 stages. 

Stage 1: Background

Check that the information is correct.

Click Next to proceed to the next stage.

Stage 2: Pre-completed income and deductions

​In this stage, you can see the details on which your current tax card is based. Check the information and make changes, if necessary.

Stage 3: Other income

• Go to Pensions and select “Yes”.
• Click Add new pension. If you receive multiple pensions, fill in a separate specification for each pension.
• Look up the following details from the pension decision and enter them on the tax card request:
  • Select the pension provider’s name from the list. Select the type of pension, such as an old-age pension. 
  • Start date and end date in the current year:
  • As the start date of the pension, enter the date on which the pension was paid for the first time this year.
  • If the pension started before 2024, enter the first day of the year as the start date, i.e. 1 January 2024.
  • If your pension income includes retroactive payments of statutory pensions from the previous year, give a date from the previous year as the start date.
  • MyTax enters the last day of the year as the end date by default. If the pension payments end during the year, change the end date to the date of this year when the final payment will be made. MyTax will automatically set the last day of the month as the date.
  • Is the pension paid out on a monthly basis? MyTax suggests “Yes” by default. In that case, enter the amount of pension income in euros per month yourself. MyTax calculates the entire year’s amount automatically according to the time period you have given.
  • Select “No” if, for example, your pension income includes retroactive payments of statutory pensions from the previous year. In that case, report the pension you have received during the entire year, including the pension for the previous year, in the section Amount for the entire year (gross).
• Pension received and withholdings: If you are requesting a new tax card in the middle of the year, also report the following:
  • amount of pension income you have received so far this year  
  • tax withheld on the pension from January up until the current day, i.e. how much tax you have paid on your pension so far during the year.
  • Also report any pensions you have received for the previous year if they have been paid in the current year.
• Periodisation of retroactive pension: You have the right to request the periodisation of your pension income if you have received retroactive pension payments from previous years for at least 3 months and if the amount of the retroactive payments is at least €500 in total. Select “Yes”. Give the start and end date of the period and enter the total amount of retroactive pension payments for each period. 
• Finally, click “OK”.

Stage 4: Other deductions

• Report your deductions, if any. For example, if you want to file tax credit for household expenses, select “Yes” at “Tax credit for household expenses”.
• If you have received wage income earlier this year, check or report any deductions concerning that income, such as commuting expenses, trade-union membership fees, unemployment fund contributions, and expenses for the production of income.

Stage 5: Delivery method

• Check the tax card’s period of validity and delivery method.
• MyTax suggests a date when the tax card will enter into effect. Check that this date matches the start date of pension stated on your pension decision.

The Tax Administration sends your tax card information directly to your pension provider.

Select whether you want your tax card to be delivered

• only electronically to MyTax
• to MyTax and on paper by post.

Stage 6: Preview and send ‑ Your tax card is ready 

In the “Preview and send” stage, you can see the details on which your tax card is based, as well as your tax rate (also known as the withholding rate) indicated in the tax card.

• Check that the information is correct. Click “Edit” or “Previous” to make corrections.
• If you wish to continue filling in the details later, select “Save as unfinished”. Data saved as unfinished will be stored for a month. The Tax Administration will not process the information before you have submitted it.
• Once all the details are correct, select “Submit”. You will receive an acknowledgement of receipt.

Getting started

• On the MyTax home page, go to Tax card and prepayments 2024 and select Tax cards and prepayments.
• Select Request a new tax card.
• Click Select the complete tax card request.

The request has 6 stages. 

Stage 1: Background

Check that the information is correct.

Click Next to proceed to the next stage.

Stage 2: Pre-completed income and deductions

​In this stage, you can see the details on which your current tax card is based. Check the information and make changes, if necessary.

• If your pension does not change, include in the tax card request only details related to wages, such as income and deductions.
• If your pension amount has changed or you start receiving a new pension, update the pension details. This way you will automatically receive a new tax card for both income types with the same tax rate.
• Enter your wage income details in the “Other income” stage.

Stage 3: Other income

Go to Pay and fringe benefits. 

• Select whether you will report the details on the wages paid to you and the tax withheld on them so far, or use the details in the Incomes Register. If you are reporting the details yourself, enter the pay you have received since the start of the year and the tax that has been withheld on it. Do not include social benefits, study grants or pay received from abroad, because they are reported later in their own section.
• Next, enter an estimate of how much pay you will receive. You can estimate your pay for the entire year (12 months).

Instructions for estimating your pay.

Stage 4: Other deductions

• Report your deductions, if any. For example, if you want to file tax credit for household expenses, select “Yes” at “Tax credit for household expenses”.
• If you have received wage income earlier this year, check or report any deductions concerning that income, such as commuting expenses, trade-union membership fees, unemployment fund contributions, and expenses for the production of income.

Stage 5: Delivery method

• Check the tax card’s period of validity and delivery method.
• MyTax suggests a date when the tax card will enter into effect. 

Select whether you want your tax card to be delivered

• only electronically to MyTax, or
• to MyTax and on paper by post.

Stage 6: Preview and send ‑ Your tax card is ready 

In the “Preview and send” stage, you can see the details on which your tax card is based, as well as your tax rate (also known as the withholding rate) indicated in the tax card.

• Check that the information is correct. Click “Edit” or “Previous” to make corrections.
• If you wish to continue filling in the details later, select “Save as unfinished”. Data saved as unfinished will be stored for a month. The Tax Administration will not process the information before you have submitted it.
• Once all the details are correct, select “Submit”. You will receive an acknowledgement of receipt.

If the Tax Administration has sent you a suggestion for a tax card for pension via MyTax, follow these instructions. Typically, in situations where a pension provider has delivered information to the Tax Administration concerning a retired person’s pension , we send the retired person a suggestion for a tax card.

1. Go to Tax card and prepayments 2024 in MyTax and click Tax cards and prepayments.
2. Move on to Proposal for a new tax card for pension, and select Check proposal.
3. Check all the information recorded at the different stages in the request form for a tax card in MyTax. If you find any mistakes, make corrections as necessary.
4. When you arrive at the Preview and send stage, click Submit.
5. The Tax Administration sends your tax card information directly to your pension provider. A copy of your tax card is always available in MyTax