Netherlands · EUR · Pension guide
Netherlands retirement calculator
Bring your own AOW and workplace pension estimates. See how accessible savings could cover the gap between your income and the life you want to fund.
Understand the pension systemWorked example. Change the inputs to explore your plan.
Accessible savings at retirement · 65
€367,701
Today's money · After tax, in today's money.
At retirement, under these assumptions. This is not an extra monthly contribution.
Your accessible savings over time
Today's moneyThe first spending shortfall appears around age 79.1. Later pension payments may change the gap.
Pensions are set to zero. Add your estimates to include them.
See the year-by-year breakdown
| Age at year end | Phase | Savings added | Real growth | Pension income | Savings withdrawn | Unfunded spending | Savings left |
|---|---|---|---|---|---|---|---|
| 46 | Saving | €6,000 | €2,995 | €0 | €0 | €0 | €158,995 |
| 47 | Saving | €6,000 | €3,171 | €0 | €0 | €0 | €168,166 |
| 48 | Saving | €6,000 | €3,351 | €0 | €0 | €0 | €177,517 |
| 49 | Saving | €6,000 | €3,534 | €0 | €0 | €0 | €187,052 |
| 50 | Saving | €6,000 | €3,721 | €0 | €0 | €0 | €196,773 |
| 51 | Saving | €6,000 | €3,912 | €0 | €0 | €0 | €206,685 |
| 52 | Saving | €6,000 | €4,106 | €0 | €0 | €0 | €216,792 |
| 53 | Saving | €6,000 | €4,305 | €0 | €0 | €0 | €227,096 |
| 54 | Saving | €6,000 | €4,507 | €0 | €0 | €0 | €237,603 |
| 55 | Saving | €6,000 | €4,713 | €0 | €0 | €0 | €248,315 |
| 56 | Saving | €6,000 | €4,923 | €0 | €0 | €0 | €259,238 |
| 57 | Saving | €6,000 | €5,137 | €0 | €0 | €0 | €270,375 |
| 58 | Saving | €6,000 | €5,355 | €0 | €0 | €0 | €281,730 |
| 59 | Saving | €6,000 | €5,578 | €0 | €0 | €0 | €293,308 |
| 60 | Saving | €6,000 | €5,805 | €0 | €0 | €0 | €305,113 |
| 61 | Saving | €6,000 | €6,036 | €0 | €0 | €0 | €317,149 |
| 62 | Saving | €6,000 | €6,272 | €0 | €0 | €0 | €329,421 |
| 63 | Saving | €6,000 | €6,513 | €0 | €0 | €0 | €341,934 |
| 64 | Saving | €6,000 | €6,758 | €0 | €0 | €0 | €354,693 |
| 65 | Saving | €6,000 | €7,008 | €0 | €0 | €0 | €367,701 |
| 66 | Retirement | €0 | €6,941 | €0 | €30,000 | €0 | €344,642 |
| 67 | Retirement | €0 | €6,489 | €0 | €30,000 | €0 | €321,131 |
| 68 | Retirement | €0 | €6,028 | €0 | €30,000 | €0 | €297,159 |
| 69 | Retirement | €0 | €5,558 | €0 | €30,000 | €0 | €272,717 |
| 70 | Retirement | €0 | €5,079 | €0 | €30,000 | €0 | €247,796 |
| 71 | Retirement | €0 | €4,590 | €0 | €30,000 | €0 | €222,386 |
| 72 | Retirement | €0 | €4,092 | €0 | €30,000 | €0 | €196,478 |
| 73 | Retirement | €0 | €3,584 | €0 | €30,000 | €0 | €170,062 |
| 74 | Retirement | €0 | €3,066 | €0 | €30,000 | €0 | €143,128 |
| 75 | Retirement | €0 | €2,538 | €0 | €30,000 | €0 | €115,666 |
| 76 | Retirement | €0 | €1,999 | €0 | €30,000 | €0 | €87,665 |
| 77 | Retirement | €0 | €1,450 | €0 | €30,000 | €0 | €59,115 |
| 78 | Retirement | €0 | €890 | €0 | €30,000 | €0 | €30,006 |
| 79 | Retirement | €0 | €320 | €0 | €30,000 | €0 | €325 |
| 80 | Retirement | €0 | €1 | €0 | €326 | €29,674 | €0 |
| 81 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 82 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 83 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 84 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 85 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 86 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 87 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 88 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 89 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 90 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 91 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 92 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 93 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 94 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
| 95 | Retirement | €0 | €0 | €0 | €0 | €30,000 | €0 |
Educational estimates. Not personal financial advice. Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.
An example: two years before AOW
Suppose you stop work at 65, spend €2,500 a month and receive no pension until 67. With zero growth and zero inflation, those 24 months require €60,000. If total net pension income then becomes €1,500 a month, the remaining gap is €1,000 a month. These are invented figures and dates, not AOW rates or an assessment of your pension age.
Understand the pension systemNetherlands
Common questions
Does this calculate my AOW entitlement?
No. The SVB explains that each insured year generally builds 2% of a full AOW pension over a 50-year period, but this tool does not apply that rule to your record. Obtain your personal estimate; periods abroad and other circumstances need official checking.
Can I enter a lijfrente payment?
Yes, as other pension income if you have an estimate of the net monthly payment. Enter its start and end ages. Do not also include the same policy's capital as accessible savings. Lump sums, tax deductions and product restrictions are not modelled.
Does the calculator include Dutch taxes?
No. Enter pension payments after tax and a savings return after all relevant taxes and costs. It does not calculate Box 3, tax credits, pension deductions or changes to your future tax position.
Methodology · 1.0
Methodology
One consistent money basis
All inputs and results use today's purchasing power. Enter net pension payments and spending after tax. The net return is nominal, after investment taxes and fees. Monthly real growth factor = ((1 + net return / 100) / (1 + inflation / 100))^(1/12). Savings contributions remain constant in real terms and arrive at month-end until retirement.
How the income gap is funded
From retirement, the monthly gap is max(0, spending − active pension payments). Savings grow first, then a month-end withdrawal funds the gap up to the available balance. Excess pension income is not reinvested. The capital needed at retirement is the sum of these future gaps discounted at the monthly real return; no future pension is borrowed against.
What the estimate leaves out
Amounts stay constant in real terms: the model assumes payments keep pace with inflation, which your actual pension may not do. Ages use whole years; no calendar dates, pension accrual, changing taxes, benefit offsets, future lump sums, market volatility or inheritance target are modelled. Income before your entered retirement age is excluded. Changing a start age does not recalculate the payment amount. Only combine streams that share the same dates.
Official sources & pension overviews
- Rijksoverheid · Opbouw pensioenstelsel ↗
- SVB · AOW pension rights ↗
- Mijnpensioenoverzicht · Uw persoonlijke overzicht ↗
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.