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Retirement Calculator: Netherlands

Project your retirement savings year by year, in today’s money after inflation, with the income a 4% withdrawal supports and your financial-independence age.

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Netherlands: two pillars before your own savings

The AOW state pension and an occupational pension provide most Dutch retirement income and are not modelled here. The Netherlands is unusual in this list because the second pillar does so much of the work: most Dutch employees are enrolled in an industry or company pension fund through their collective agreement, so a large, effectively compulsory retirement saving is already happening before anyone opens a calculator like this one.

That makes the number on this page a third pillar, not the whole answer. Treat it as what you are adding on top of the AOW and your fund, and set the income target to the gap the two of them leave rather than to the whole income you want. Your annual pension statement, and mijnpensioenoverzicht.nl, give you the two figures to subtract.

The AOW age is 67 and is linked to life expectancy, so it is not fixed for anyone still decades out, it is reviewed on a published rule and moves with the projections. If you are 30 today, the age this page opens on is the current rule, not a promise about the 2060s. It is worth running the projection twice, once at 67 and once a year or two later, to see how much of the result rests on that assumption.

Dutch assumptions: a 6.5% nominal return and 2% inflation, a real return of 4.41% a year.

For how the calculation works, the formula behind it and what it leaves out, see the full guide. For help interpreting a result or comparing it with a quote or statement, read the questions and answers.

Data sources

Dutch consumer finance conventionsSVBWithin its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

This calculator in other countries

Each country has its own rates, thresholds and rules, and its own page that runs the calculator on them and cites the official sources they came from.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.