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Pension check
Gain insight into your pension
It’s good to know how much state pension (AOW) and employee pension you’re entitled to in the future. Additionally, it's helpful to gain more insight into how much pension you will need. This way, you can see and find out whether it’s enough for you to live the life you want. Or if you need to start building up additional pension.
Up to €1,000 bonus when you top up your pension
Give your pension savings a head start! Open a pension account by December 31, make your first deposit this year, and receive a bonus of €100 up to €1,000.
- Enjoy up to 49.5% tax relief
- Choose whether to save and/or invest for your pension
- Benefit from potential returns and the compound interest effect
Please note: investing involves risk. You could lose all or part of your initial investment.
Check your future monthly payments today
How to check your state pension and employee pension(s):
- Go to Mijnpensioenoverzichtand log in with your DigiD
- Check the list of your pension providers and answer a few questions
- You’ll instantly see how much pension you can expect to receive, as well as your state retirement age.
Check what you need later for a good pension
The general rule is that you’ll need 70% of your current income when you retire, but this depends on your situation. You might need less if you’re planning to move to a smaller house, or you may need more if you’re planning a dream holiday. The Dutch National Institute for Family Finance Information (Nibud) has a handy tool (the ‘Pensioenschijf-van-vijf’) that gives you an idea of how much pension you’ll need when you retire.
“We often hear clients say they wished they’d started 10 years earlier. That’s why we make pensions as simple as possible.”
Joelle - Income & Wealth adviser
I have a pension shortfall. What should I do?
A pension shortfall is when your monthly expenses after you retire are higher than your pension income. You can top up your pension in a savings or investment account. Or you could open a pension account. Did you know that you don’t pay tax in Box 3 on money in a pension account? And that you can get up to 49.5% tax relief on deposits you make within your annual margin?
I have enough. What should I do?
You’ll have enough pension if your monthly expenses are less than your pension income when you retire. It’s a good idea to check how things stand every now and then, particularly if there are major changes in your life, such as a new job. But even if you don’t necessarily need to top up your pension, there can still be advantages to saving money in a pension account, as you may benefit from tax relief.
On to the next step
So now you’ve got an idea of how your pension is shaping up. You’re on the right track! In the next step, you’ll find out how you can use your annual margin to generate tax relief. And we’ll show you that it pays to start topping up your pension earlier rather than later.
Frequently asked questions
What type of changes could affect my pension?
There are a few changes that might affect your pension. They include moving in with a partner, for example, getting married or divorced, or changing your job. Changes outside your immediate control can also have consequences for your pension, such as a rise in the state pension age or a failure on the part of the pension funds to keep up with inflation.
How do I know how much pension I’ll need when I retire?
The amount you put aside for your pension depends on several factors. Your annual margin, for example, how much you can spare now, and your future income and expenditure. Will you get a workplace pension alongside your state pension, and how much do you expect to spend on living costs, transport and other expenses when you retire?
Does my partner affect my pension?
Getting married, living together or getting divorced can all affect your pension. These events can have an impact on a partner pension or surviving dependants’ pension, for example, but also on any top-up pension you’ve built up.
Do you need help?
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