Netherlands Retirement Calculator / Pensioencalculator
Plan your Dutch retirement with our calculator designed for the Netherlands pension system. Includes AOW (state pension), workplace pensions, and private pension planning.
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
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.