3rd Pillar Pension for employers
Across Europe, it’s common practice for employers to help their employees save for retirement — and everyone benefits.
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The calculator results are for informational purposes only and are not intended for precise tax calculations. Calculation assumptions apply.
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How it works
Free consultation for companies
Apply and find out how employer contributions to the 3rd pension pillar can provide real benefits for both employees and the company.
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Questions and answers
How to register these payments for employees’ 3rd-pillar pension contributions with the State Revenue Service (VID)?
The contributions must be reported in the Statement on amounts paid to an individual. This document includes both 3rd-pillar pension contributions and insurance payments (if any).
- For employees who continue employment – the statement must be submitted once a year.
- For employees who have terminated employment – by the middle of the following month after they leave.
Do contributions need to be made for all employees?
No, the employer can freely choose which employees to make contributions for. Many companies set certain criteria, such as work experience, a specific role, or completion of the probation period, but this is not mandatory.
On the INDEXO side, there are no restrictions – you choose which employees receive this benefit and whom you include in the 3rd-pillar pension contribution plan.
What happens to the contributions if an employee terminates employment?
The company no longer makes contributions, but the funds already contributed remain with the employee. They continue to grow in the employee’s 3rd-pillar pension account even after leaving the company.
Can the employer change the contribution amount at any time?
Yes. The employer has no long-term obligations – contributions can be increased, decreased, or paused at any time.
Do all employees have to receive the same contribution amount?
No, the contribution amount may differ for each employee.
