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Daily
Data updates
67
AOW retirement age
30-40%
Typical pension gap
7M+
Mijnpensioenoverzicht users
~€1,400/mo
AOW single (2025)
What are retirement planning platforms?
Retirement planning is the process of estimating your future income needs and ensuring that your combined pension sources (state pension, employer pension, and private savings) are sufficient to maintain your desired lifestyle after you stop working.
The fundamental question is simple: will you have enough? Most people significantly overestimate their future pension income. In the Netherlands, the average pension income (AOW + employer pension) replaces approximately 60-70% of your last gross salary. After decades of being accustomed to your working income, a 30-40% drop can require significant lifestyle adjustments.
Key factors in retirement planning include:
Inflation erosion: A pension that seems adequate today may not be in 20-30 years. At 2.5% annual inflation, the purchasing power of a fixed pension halves in 28 years. This is why pension indexation (annual adjustment for inflation) is critical. Many Dutch pension funds have not been able to fully index pensions in recent years due to coverage ratio requirements.
Longevity risk: Average life expectancy in the Netherlands is approximately 80 for men and 83 for women, but many people live well into their 90s. Your savings need to last potentially 25-30 years after retirement. Running out of money in your 80s is a real risk if your planning assumes a shorter retirement.
Healthcare costs: Healthcare expenses tend to increase with age. While the Dutch basisverzekering covers essential care, out-of-pocket costs (eigen risico, dental, physiotherapy, home care) can add up to several thousand euros per year in later life.
Retirement calculators help you model different scenarios: what if you retire at 65 instead of 67? What if you save an additional 200 EUR per month? What if inflation is 3% instead of 2%? These tools turn abstract concerns into concrete numbers, helping you take action while you still have time.
Frequently asked questions
State pension ages vary: Netherlands 67, Germany 67, France 64, UK 66 (rising to 67 by 2028). You can retire earlier using private savings, but accessing state pension and employer schemes early may not be possible or may come with reductions.
Most European countries tax pension income as regular income. In the Netherlands, pension payouts are taxed in box 1 (income tax). The advantage is that you get tax relief on contributions (when your tax rate is typically high) and pay tax on withdrawals (when your income and tax rate are typically lower).
State pension ages vary: the Netherlands is moving to 67 (linked to life expectancy), Germany to 67 by 2031, France recently raised it to 64, and the UK is moving to 68. Most EU countries are gradually increasing the retirement age as life expectancy rises. You can check your country's specific timeline on the national pension authority website.
State pension amounts depend on your contribution years and the country. In the Netherlands, a full AOW pension (50 years of residency) is roughly EUR 1,350 per month for a single person. In Germany, the average pension is about EUR 1,500 per month. In France, the average is around EUR 1,400 per month. Gaps in contribution years reduce your entitlement proportionally.
Yes. Under EU social security coordination rules (Regulation 883/2004), if you have worked in multiple EU/EEA countries, each country pays a pension based on the years you contributed there. Your total pension is calculated by combining all qualifying periods. You apply in the country where you live, and they coordinate with the other countries' pension authorities.
The earlier the better, as compound returns make a dramatic difference over decades. Starting at 25 with EUR 200 per month at a 6% average return builds roughly EUR 400,000 by age 65, while starting at 35 yields only about EUR 200,000. At minimum, start by enrolling in your employer pension and opening a private pension or investment account for additional savings.
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