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.
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Retirement, made clear.
Planning ahead matters. We give clear insight into pension taxation, including pensions from abroad, so you know where you stand. Personal fiscal consultancy tailored to your retirement goals.
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Free first assessment
Reply within 1 business day
Tax advice for your pension.
Jan de Belastingman helps you understand your pension income and taxes.
Gap analysis.
We calculate your pension gap and help you fill it in a tax-efficient way.
What to expect:
Calculation of your pension shortfall
Advice on annuities and pension products
Guidance on tax-efficient contributions
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Annuities & savings.
Get more out of your annuities and savings by using the available tax benefits.
What to expect:
Optimisation of annuities
Comparison of pension solutions
Insight into tax benefits
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Early retirement.
We create a clear plan to recover missed pension accrual in a tax-efficient way.
What to expect:
Calculation of missed pension accrual
Insight into tax implications
Practical, personal next steps
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Why 3,400+ people in the Netherlands trust us
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.
Step 1
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.
Step 2
Expert review.
Our tax advisors get straight to work, reviewing your situation and determining the best approach for you.
Step 3
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.
Step 4
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.
The four promises of Jan de Belastingman.
Whatever your situation is, we handle your taxes personally, carefully, and fast.
Fixed price
Expert reviewed
Response within 24h
Direct contact
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.
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 .
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.
Luuk
Tax Specialist & Director
As the person ultimately responsible, Luuk leads our team of tax specialists and ensures the quality of every tax return and every piece of advice. With years of experience at leading firms, he knows exactly where the opportunities lie — and makes sure you benefit from them.