This pension calculator for the Netherlands answers two questions: how much AOW you will get, and what your workplace pension really costs. A full Dutch state pension (AOW) is € 1.662,16 gross a month for someone living alone from July 2026. You build 2% of it for every year you live or work in the Netherlands, so an expat who arrives at 30 and stays to 67 gets about € 1.230. Your workplace pension comes on top: its premium is deducted before tax, so it costs you less than your payslip shows.
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Calculate your AOW ↓Workplace pension cost ↓
Full AOW, single
€ 1.662
gross a month
Full AOW, couple
€ 1.139
per person
Per year in NL
2%
of the full AOW
Max pensionable salary
€ 137.800
2026
The AOW counts the 50 years before your AOW age: from 17 to 67 today. Each year you live in the Netherlands, or work here and pay Dutch social insurance, adds 2%. Enter the ages you lived or worked here.
Years before age 17 don't count
AOW age is 67 in 2026 and 2027
Share of the full AOW
74%
37 of 50 years
AOW per month (gross)
€ 1.230
excluding holiday allowance
AOW per year (gross)
€ 15.690
including holiday allowance
Each missing year costs 2%: about € 33 a month, for life. You are 13 years short of a full AOW.
SVB amounts from 1 July 2026, gross before wage tax. Only years in the 50 years before your AOW age count. Years abroad count only if you were insured in the Netherlands, for example while working for a Dutch employer. Check your own record in Mijn SVB.
| Arrived at | Years | Share | Living alone | Couple, per person |
|---|---|---|---|---|
| Born or raised here | 50 | 100% | € 1.662 | € 1.139 |
| Age 25 | 42 | 84% | € 1.396 | € 957 |
| Age 30 | 37 | 74% | € 1.230 | € 843 |
| Age 35 | 32 | 64% | € 1.064 | € 729 |
| Age 40 | 27 | 54% | € 898 | € 615 |
| Age 45 | 22 | 44% | € 731 | € 501 |
Gross a month from July 2026, excluding holiday allowance (€ 104,78 a month at the full single rate, paid in May). Source: SVB.
Most Dutch employees build a second pension through their employer's pensioenfonds. You pay part of the premium, charged on your salary above the fund's franchise, and it comes off your gross pay before wage tax. That tax saving is why the real cost is well below the line on your payslip. The calculator starts with ABP's 2026 figures; change them to your own fund's rate and franchise from your payslip or UPO (annual pension statement).
Capped at € 137.800 in 2026
ABP 2026: 8.13%. Check your payslip or UPO
ABP 2026: €19,200. Set by your fund
Premium on your payslip
€ 3.724
€ 310 a month
Tax you save
€ 1.879
50.5% of the premium
Real cost to your take-home
€ 1.844
€ 154 a month
PayMetric Labs' own estimate using 2026 Box 1 tax and credits, without the 30% ruling. The premium is deducted before wage tax, so part of it comes back through lower tax. Your fund's pensionable salary may include holiday allowance and exclude bonuses.
| Salary | Premium a year | Tax saved | Real cost a month |
|---|---|---|---|
| € 45.000 | € 2.098 | € 881 | € 101 |
| € 65.000 | € 3.724 | € 1.879 | € 154 |
| € 90.000 | € 5.756 | € 3.224 | € 211 |
| € 150.000 | € 9.642 | € 4.773 | € 406 |
PayMetric Labs' own estimates: ABP 8.13% employee premium on salary above € 19.200 (ABP), capped at € 137.800, with 2026 Box 1 tax and credits and no 30% ruling. At € 150.000 the cap applies.
| Pillar | Who pays | What decides the amount |
|---|---|---|
| 1. AOW state pension | Everyone insured, through wage tax and premiums | Years insured in the 50 years before AOW age, and whether you live alone |
| 2. Workplace pension (pensioenfonds or insurer) | You and your employer | Your salary above the franchise, the premium and your years in the scheme |
| 3. Private saving (lijfrente, banksparen) | You, with tax relief up to your jaarruimte | What you save; mostly used by freelancers and people with pension gaps |
For someone who spends a whole career here, the AOW and a workplace pension together are designed to replace a large part of average pay. For expats the AOW is the part that shrinks: every year you weren't here is 2% less for life. That makes the workplace pension, and any private saving, more important the later you arrive. Freelancers (ZZP) have no workplace pension at all, so their third-pillar saving does all the work; see the ZZP tax guide.
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Tax rates and allowances change every year
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A full AOW from 1 July 2026 is € 1.662,16 gross a month if you live alone, or € 1.139,39 per person if you are married or living together, plus holiday allowance paid in May. You get the full amount only if you lived or worked in the Netherlands for all 50 years before your AOW age. Each missing year takes off 2%.
2% of the full AOW for every year you live or work in the Netherlands before AOW age. If you arrive at 30 and stay until 67, that is 37 years, so 74%: about € 1.230 gross a month if you live alone. If you stay eight years and then leave, you keep 16%, about € 266 a month, paid from your AOW age wherever you live in most countries.
Usually for one of three reasons. You have years before you came to the Netherlands, or after you left, that don't count. You are married or living together, which pays a lower rate per person. Or you are comparing a gross figure with a net one: AOW is taxed, and holiday allowance is paid separately in May. Check the years SVB has on record in Mijn SVB.
Yes. The employee premium comes off your gross pay before wage tax, so part of it comes back to you. At € 65.000 with ABP's 2026 figures, the premium is about € 3.724 a year but your take-home falls by only about € 1.844 (PayMetric Labs' own estimate).
The part of your salary you don't build pension on, because the AOW already covers it. Premium is charged only on salary above it. It is set by each fund: € 19.200 at ABP and €17,283 at PFZW in 2026. That's why someone on a modest salary pays a much lower share of their salary than the headline premium suggests.
The AOW years you built up stay yours and are paid from your AOW age, also when you live abroad. Your workplace pension stays with the fund and is paid from its retirement age. If you move outside the EU, you can often keep building AOW with voluntary insurance through SVB, but you must apply before you leave or within a year, and you need to have been insured for at least a year just before leaving.
Yes. Pension can be built with tax relief only on salary up to € 137.800 in 2026. Above that, some employers offer a net pension plan (nettopensioen) or a higher gross salary instead.
67 in 2026 and 2027, then 67 and 3 months in 2028 and 2029. From 2030 it follows life expectancy and is set five years ahead.
AOW amounts are SVB's from 1 July 2026 (SVB); the 2% a year over 50 years rule and AOW ages come from SVB and Rijksoverheid. ABP's 2026 premium of 27.1% and franchise come from ABP; PFZW's franchise and the € 137.800 maximum pensionable salary from PFZW. All checked on 29 September 2026.
The AOW figures are gross and use whole years. The contribution cost is PayMetric Labs' own estimate using our 2026 Dutch tax engine, and doesn't model the 30% ruling, disability premiums or how your fund defines pensionable salary. Your pension fund, SVB and mijnpensioenoverzicht.nl have your real figures. This is general information, not financial advice.
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