How much of your current income will you keep later?
You are employed and want to know whether it will be enough. Enter your salary and your expected pension, and see what you have to spend net now alongside what you will receive later.
Work it out
Enter what you know. The calculator uses the Dutch Tax Administration's tables and rates for 2026 and the AOW amounts of the SVB.
Aukje Lonhard · pension adviser for more than 30 years
Will this be enough to live on?
That is the question behind every calculation, and a calculator cannot answer it. For many people, pension is a pile of letters full of difficult words, with choices whose meaning for you is unclear. I take you through it step by step, in plain language:
- first we list what you have and what will come in later;
- then we look at what you need to live the way you want;
- after that I explain which choices you have and what each one means for you.
You do not need to prepare anything or know any jargon. By the end you know where you stand.
Go through it together with AukjeNo obligation. Your result comes along, so you do not have to enter your amounts again.
Employer or HR? Have Aukje explain it to your employees in plain language.
Do you reach the AOW age during 2026? Then different monthly rates apply in that year. Aukje will work it out for you. The calculator gives general information and is not personal tax advice.
What you need
Your gross salary is on your payslip, as is the pension contribution you pay yourself. You will find your expected pension on mijnpensioenoverzicht.nl. It is shown per year there; divide it by twelve. The calculator adds the AOW and works out what you keep net.
What the result tells you
You see two amounts side by side: what you have net per month on average now, and what that will be later. The percentage shows how much you keep. Later you often have lower costs as well, for example because you no longer pay pension contributions. Whether it is enough depends on your fixed costs and how you want to live. If it is disappointing, you can often still adjust, for example by building up extra pension through your employer.
How accurate is this calculator?
The calculator follows the calculation rules of the Dutch Tax Administration and has been tested against them. The monthly wage tax has been compared with all 2,465 rows of the 2026 monthly table for pensions and benefits, without any difference. The net AOW matches the SVB amounts from 1 July 2026 to the cent. What the calculator does not know are your deductions, your assets and your partner's income. So the result is a good start, and not personal advice.
Frequently asked questions
How much pension will I receive later?
That is shown on mijnpensioenoverzicht.nl. You log in with DigiD and see your AOW and all your pensions together, per year and gross. The calculator shows what remains net.
How much pension do I need?
That differs per person. It depends on your housing costs, your partner and how you want to live. The calculator shows how much less you will have net later compared with now. Whether that is enough is a question best worked through with an adviser.
Why is my net pension lower than my net salary?
Your pension is usually a part of your salary. In addition, you do not receive the employment tax credit on a pension, because it only applies to income from work. On the other hand, you no longer pay the AOW premium after your AOW age.
Would you rather have someone go through it with you?
Aukje explains what the figures mean for you and which choices you have. Without jargon, and without obligation.
Request a no-obligation conversation