Netherlands Retirement Calculator 2026 / Pensioencalculator Nederland
Free retirement calculator 2026 for Netherlands. Plan your Dutch retirement with AOW (state pension), workplace pensions, and private pension planning. Calculate your retirement needs in EUR with our comprehensive Dutch retirement planning tool.
Calculate your AOW (Algemene Ouderdomswet) state pension benefits based on years lived in Netherlands.
Plan employer pension contributions and understand defined benefit vs defined contribution schemes.
Optimize private pension products like lijfrente (annuity) and banksparen for tax-efficient retirement.
State & Workplace Pensions
- ✓ AOW state pension (up to €1,200/month single)
- ✓ AOW age: 67 years and rising
- ✓ Workplace pension (pensioenregeling)
- ✓ Average accrual rate: 1.875% per year
- ✓ Defined benefit and contribution schemes
- ✓ Early retirement options
Private Savings (Third Pillar)
- ✓ Lijfrente (annuity) tax benefits
- ✓ Banksparen retirement savings
- ✓ Investment accounts and savings
- ✓ Tax deductions for pension contributions
- ✓ Flexible retirement income planning
- ✓ Partner pension considerations
AOW Age / AOW Leeftijd
67
current / huidig
Life Expectancy / Levensverwachting
82
years / jaar
Inflation / Inflatie
2.8%
average / gemiddeld
AOW Payment / AOW Uitkering
€1,200
per month / per maand
How to Use the Netherlands Retirement Calculator 2026 / Pensioencalculator
Our free Netherlands retirement calculator helps you plan for retirement using the Dutch three-pillar pension system. Calculate your AOW (state pension), plan workplace pension contributions, and optimize private pension savings.
AOW Planning: Algemene Ouderdomswet (AOW) provides state pension to Dutch residents 67 and older. Full AOW requires 50 years of residence. Our calculator helps you estimate your AOW entitlement and understand how missing years affect benefits.
Pensioen Planning: Most Dutch workers have workplace pensions (pensioenregeling) with average accrual rates of 1.875% per year. Our calculator helps you project workplace pension benefits and plan for retirement income.
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View FAQ →Veelgestelde Vragen - Netherlands Pension FAQs
Hoeveel AOW krijg ik in Nederland? / How much AOW will I receive?
Full AOW requires 50 years of residence in Netherlands (ages 15-65). Each missing year reduces benefits by 2%. Maximum single person benefit is approximately €1,200/month.
What's the Dutch pension gap (pensioentekort)?
Many Dutch workers face a pension gap - the difference between retirement income and desired lifestyle. Our calculator helps identify your gap and plan additional savings.
Should I use lijfrente or banksparen in Netherlands?
Both offer tax deductions. Lijfrente provides guaranteed income, while banksparen offers more flexibility. Choice depends on your risk tolerance and retirement income needs.