The years before and after retirement are fiscally crucial. The Dutch state pension age (AOW) is 67 (2025/2026), rising to 67 years and 3 months in 2028. Through the annual allowance (jaarruimte) you can contribute up to EUR 35,589 (2026) in a tax-deductible annuity; unused allowance from the past 10 years can be claimed via the carry-forward (reserveringsruimte, max EUR 42,753). Contributions reduce your taxable income immediately: at the top rate of 49.50%, every EUR 1,000 saves EUR 495 in tax. We calculate your pension gap, optimise your annual allowance and advise on the best payout timing. Advice from EUR 249.
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Jan de Belastingman helps you understand your pension income and taxes.
We calculate your pension gap and help you fill it in a tax-efficient way.
What to expect:
Get more out of your annuities and savings by using the available tax benefits.
What to expect:
We create a clear plan to recover missed pension accrual in a tax-efficient way.
What to expect:
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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
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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.