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Pension calculator Netherlands — how much will you get?

Your pension in the Netherlands from all pillars, compared with your salary — and how much to save each month to reach your target.

Rules 2026 · updated 11 November 2026

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Annual gross incl. 13th/14th salary and holiday pay. Net salary for this gross →

Date of birth

age 40 in 2026

Couples get a different state-pension amount.

Empty = statutory age (67 years 3 months).

70%
I have my pension statement

Figures from your official statements replace our estimates and make the result much more accurate. Leave empty what you don’t know.

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Other retirement savings

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Assumptions

Defaults follow the official rules and cautious market assumptions. Change them to test scenarios.

Show amounts in

Today’s prices = purchasing power today, the clearest comparison. Today’s wages compares with today’s salaries; money of 2053 is the nominal amount you would actually receive.

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Your estimated pensionfrom age 67 years 3 months · 2053
Net pension per month
€3,582
after tax and contributions · in today’s prices
Gross pension per month
€4,079
before tax, all pillars
Replacement rate (gross)
82.9%
gross pension ÷ last gross salary · target 70%
Gap per month (gross)
No gap
gross target 70% reached
State pension €2,317Occupational pension €1,762Target €3,443

Purchasing power in today’s prices, including 1% real wage growth per year until 2053.

Please note
  • Your AOW age is not fixed yet (births from 1 Oct 1964). We use at least 67 years and 3 months; it may become higher.
  • Occupational pension estimated with a standard model (premium and return below). Enter the amount from mijnpensioenoverzicht.nl for a reliable result.
  • For members of a premium (DC) scheme the jaarruimte is reduced by the pension premium (estimate; use the “jaarruimte” figure on your UPO).

Breakdown by pillar (gross)

State pension
State pension (AOW)estimateincl. holiday allowance of €1,648.99 per year€2,317.28
Occupational pension
Occupational pension (pension fund)estimatecapital at retirement €428,312€1,761.93
Private savings
none–
Total 82.9%€4,079.21
Target: 70% of last gross€3,442.60
Gap€0.00

Taxes and contributions in retirement

Net 87.8%Taxes and contributions 12.2%
Gross pension€4,079.21
Contributions
Income-related health contribution Zvw (4.85 %)4.85%€197.84
Taxes
Income tax and national insurance (AOW-age rates, after tax credits)€299.67
Total taxes and contributions 12.2%€497.51
Net pension€3,581.70

Monthly saving to close the gap

Your projected pension reaches the target. If you want to save more anyway, these tax-advantaged products are available:

Where to put it — tax-advantaged first

ProductPer month
Annuity (lijfrente) within the jaarruimteLimit per year: €1,291.40Deductible from box 1 income; payouts taxed later. Unused room of the last 10 years can be used (max 42,753 € in 2026).–
Assumptions used (13)
Target: pension as % of last gross salary70%
Real wage growth per year1%
Inflation per year2%
Real return on savings (before retirement)2%
Real return during retirement1%
Savings must last until age90
AOW insured years50 years
Pension premium (employer + employee, % of pensionable salary)25%
Pension-fund real return1.5%
Franchise (part of salary without pension accrual)€19,172
Annuity factor (capital per 1 € of yearly pension)20.26
Tax rules of 2026 applied to the pension in today’s money; tax brackets and credits assumed to rise in step2026
Tax credits used (general, elderly, single elderly)€3,921

Notes

  • All amounts are in today’s wage level: what the pension would be worth if it were paid today. The replacement rate does not depend on this choice.
  • The monthly saving is today’s amount; raise it each year in line with your salary.
  • mijnpensioenoverzicht.nl shows your AOW and all occupational pensions in one place.
  • Gross amounts including holiday allowance. From AOW age no AOW premium is due, so the tax rate is lower.
  • From AOW age no AOW premium is due (first bracket 17.85 % instead of 35.75 %), there is no labour tax credit, but the elderly tax credit (€2,067, phased out above €46,002) applies, plus €540 for single AOW recipients.
  • The nominal health-insurance premium (paid to your insurer) and allowances such as zorgtoeslag are not included.
How it is calculated

Technical formulas (in English); amounts in today’s wage level.

  • State pension (AOW)(1662.16 + holiday 104.78) × 12 × 50 × 2 %
  • Occupational pension (pension fund)DC: 25.0 % × (min(gross, 137800) − 19172) = 6457/year at 0.50 % (wage units) → capital 326590 / annuity factor 20.26
Official sources (5) · 2026

How the Dutch pension system works

The state pension AOW builds up by 2 % for every year you live or work in the Netherlands in the 50 years before your AOW age. From 1 July 2026 the full gross AOW is €1,662.16 a month for a single person and €1,139.39 per person for couples, plus holiday allowance. The AOW age is 67 and rises to 67 and 3 months for people born from 1961; for those born from October 1964 it has not been fixed yet.

Most employees also build up an occupational pension through their employer’s pension fund. Under the Future of Pensions Act (Wtp) all funds switch to premium-based contracts by 1 January 2028 at the latest. Without your figures the calculator assumes a premium of 25 % of the salary above the franchise of €19,172 (salary up to €137,800) and a real return of 1.5 %; the amounts on mijnpensioenoverzicht.nl are far more accurate.

If there is a gap, you can save in a lijfrente (annuity) within your jaarruimte: 30 % of your income up to €137,800 minus €19,172, less your pension accrual, at most €35,589 in 2026. The contributions are tax-deductible and the later payments are taxed.

From AOW age the net pension is shown after box 1 income tax at the lower AOW-age rates, without AOW premium but with the elderly tax credit, and after the income-related Zvw health contribution.