Gap analysis
We calculate your pension gap and help you fill it in a tax-efficient way.
- Calculation of your pension shortfall
- Advice on annuities and pension products
- Guidance on tax-efficient contributions
4.9/5 Google Reviews
Tax advice for your pension and AOW
Jaarruimte up to €35,589, close your pension gap, smart payout timing — every €1,000 annuity contribution saves up to €495 in tax. From €249.
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No obligation · fixed price agreed upfront
Tax advice for your pension
Jan de Belastingman helps you understand your pension income and taxes.
Annuities & savings
Get more out of your annuities and savings by using the available tax benefits.
- Optimisation of annuities
- Comparison of pension solutions
- Insight into tax benefits
Early retirement
We create a clear plan to recover missed pension accrual in a tax-efficient way.
- Calculation of missed pension accrual
- Insight into tax implications
- Practical, personal next steps
What our clients say
CUSTOMER REVIEWS
Why 3,400+ people in the Netherlands trust us
4.9
Google Reviews
Daniel Gold
31 reviews on Google
“Mila and team were super responsive to my requests and came up with a very well priced package that perfectly addressed my needs. I didn't end up using the full package and they even refunded what I didn't use. Highly recommend!”
AS
Alvi Safira Syarifuddin
Local Guide · 12 reviews
“At first I wasn't so sure that a report would be enough to help me manage my issue alone, but all the steps are so clear that it was super easy! Definitely recommended and great value for the price!”
Robin Schirmer
Review on Google
“I really enjoyed using Jan de Belastingman. Super straightforward and helpful service. Highly recommend if you are looking to outsource your tax preparation.”
Gabriela Uzunova
Review on Google
“Would recommend for sure! Really helped me figure out how to claim back money from my income tax return and with really clear steps! Thank you!”
How it works
Jan de Belastingman makes tax advice clear
Four clear steps. No hassle. You provide the information, we take care of the rest.
We map your situation
Need advice on a specific topic? We start by getting a clear picture of your situation. You securely upload your documents, so we have a complete overview.
Expert review
Our tax advisors get straight to work, reviewing your situation and determining the best approach for you.
Strategic advice plan
You receive a clear, structured report with clear answers to your questions. We explain the available options and their financial impact for you.
Personal follow-up
We schedule a video call to go through the advice together, answer your questions, and help you decide on the next steps.
Our promises
The 3 promises of Jan de Belastingman.
Whatever your situation is, we handle your taxes personally, carefully, and fast.
Fixed price upfront, no surprises
Response within 1 business day
One dedicated expert, reachable by email and phone
Get started in 2 minutes
Get your fixed price within 1 business day
Leave your details. A tax specialist from our team reviews your situation and confirms the fixed price within 1 business day.
4.9/5 Google Reviews
- You fill in this formYou can upload documents later.
- A tax specialist contacts you within 1 business dayBy email or phone, whichever you prefer.
- You get a fixed price upfrontAgreed? Then we get to work. No obligation until then.
Pension and tax: current figures
Pension income is taxed in Box 1. By making smart use of jaarruimte (annual allowance), annuities and reserveringsruimte (carry-forward allowance) you can save tax now and keep more later.
State pension age 2025-2027
67 years
From 2028: 67 years and 3 months. The AOW age is linked to life expectancy (source: rijksoverheid.nl).
Max annual allowance 2026
EUR 35,589
30% of the pension base above the AOW-franchise (EUR 19,172). Contributions are deductible in Box 1.
Carry-forward allowance 2026
Max EUR 42,753
Unused annual allowance from the past 10 years. Use carry-forward first to prevent expiration.
Top income tax rate
49.5%
Above EUR 78,426 (2026). Annuity contributions reduce your taxable income in the year of payment.
Standard pension age
68 years
Pension schemes use 68 as the standard retirement age. Early retirement is possible but reduces the payout.
AOW for single person 2026
± EUR 1,400/mo net
AOW is a basic income. Most people need supplementary pension to maintain their standard of living. When the AOW arrives: AOW payment dates 2026.
Sources: Dutch Tax Authority · Dutch Government
FAQ
Still have questions? We have answers
No matter your tax question, Jan de Belastingman is here for you. Don't see your question? Get in touch .
We help with calculating your pension gap, optimizing annuity contributions, exploring early retirement options, understanding how your pension is taxed, and planning for AOW and supplementary income after retirement.
Yes, always. We believe advice only works if you actually understand it. No unnecessary tax jargon. Just clear explanations and practical examples, so you know your options and what they mean for your retirement.
Once we have all your documents via our secure environment, our experts get started immediately. In most cases, you receive a comprehensive draft advice within 5 to 10 working days. The exact turnaround time depends on the complexity of your situation.
A pension advisory process starts from €249. After your intake, we assess your situation and share a clear price estimate upfront. No surprises. No fine print.
Of course. The final step is a personal video call where we go through the report together. You ask the questions. We explain the answers. And we look at how to turn the advice into action.
What drives us
Tax matters don't have to be complicated. We make sure you know exactly where you stand and that you never pay more than necessary.
Our team of tax specialists helps you with carefully prepared tax returns and clear tax advice. We consider your situation, explain your options in plain language and help you decide on the next step.