FREE TAX TOOL, IN ENGLISH
Pension allowance calculator
Estimate your annual pension allowance (jaarruimte): how much you can put into a pension product with tax relief. Free to use, no account needed.
ABOUT THIS TOOL
How the pension allowance calculator works
What it estimates
Your jaarruimte: the amount you can pay into an annuity or pension product this year with tax relief, and the tax you could save by using it.
How to read the result
Premiums up to your allowance are deductible from your box 1 income. The saving is roughly your deduction times your marginal rate.
Who it's for
Freelancers without an employer pension, and employees with a pension gap who want to save for retirement with tax relief.
Good to know
Enter last year's income and your pension accrual (factor A) from your pension statement. No pension? Enter 0.
Pension allowance questions
Quick answers about jaarruimte.
What is jaarruimte?
The annual room you have to save for retirement with tax relief, on top of any pension you build up through an employer.
How is it calculated?
Roughly 30% of your premium base, minus 6.27 times your factor A. The premium base is your income up to a cap, minus the state pension franchise.
Where do I find factor A?
On your annual pension statement (UPO) from your pension fund. If you do not build up a pension, factor A is 0.
What is reserveringsruimte?
Unused allowance from earlier years that you can still use, within limits. It is calculated separately.
