Calculate your net pension: what arrives in your account?
Your pension statement shows a gross amount. Here you see what remains net, per month and over the whole year, together with your state pension (AOW).
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.
From gross to net pension
Two things are deducted from your gross pension and AOW: wage tax and the health insurance contribution (Zvw). From your AOW age you no longer pay the AOW premium, so the rate on the first part of your income is lower than when you worked. The calculator shows per payment what is withheld and what arrives in your account.
Why you often pay extra after the year
If you have a pension alongside the AOW, the SVB and your pension fund each withhold tax separately. Neither knows what the other pays. Together you sometimes end up in a higher rate than they assume. The calculator shows how much tax you pay over the whole year, and whether you can expect to pay extra or get something back. More explanation is in Gross and net pension.
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 do I calculate my net pension?
Add up your gross AOW and pension. Calculate the tax according to the 2026 brackets and deduct the tax credits. In addition, a health insurance contribution (Zvw) of 4.85 percent is taken from the gross amount. The calculator does this for you, per month and per year.
How much is the AOW net?
From 1 July 2026 a full AOW is €1,581.55 net per month for a single person, and €1,084.13 net per person for married and cohabiting people. That is with the wage tax credit and without holiday allowance.
Where should the wage tax credit be applied: to the AOW or to the pension?
To one of the two, never both. Usually that is the AOW. If the credit is applied to both, you receive too much each month and have to pay it back after the year.
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