AOW / State Pension
Estimated AOW payment based on amounts confirmed by the SVB for 1 July 2026 and years insured in the Netherlands.
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Open a step for the sum with your figures, what the step does, and what the Dutch terms mean.
Your build-up100%
What this step does: You build up 2% of the full AOW state pension for every year you lived or worked in the Netherlands in the 50 years before your AOW age.
You build 2% of the full AOW for every year you were insured in the Netherlands between age 15 and AOW age.
Your AOW (from 1 July 2026)€ 1.662,16
What this step does: You build up 2% of the full AOW state pension for every year you lived or worked in the Netherlands in the 50 years before your AOW age.
- AOW is universal, not means-testedEveryone who has lived or worked in the Netherlands builds up AOW (state pension), regardless of income or savings. It is funded by a payroll levy, not by personal contributions into a pot.
- Build-up: 2% per insured yearYou accrue 2% of the full AOW rate for every year you were insured in NL between age 15 and your state pension age (50 years gives 100%). Years spent living or working abroad, outside the EU/EEA and without a treaty, are typically not insured and reduce your final amount.
- Single vs. partner rateSomeone living alone gets a higher individual rate than each half of a couple living together, since a shared household has lower per-person living costs. This is set in law, not something you can choose.
- Paid twice a year, adjustedAOW amounts are revised every January and July in line with the statutory minimum wage. A separate 8% holiday allowance (vakantiegeld) builds up monthly but is paid out as a lump sum in May.
- How it worksYou build up AOW, the Dutch state pension, at 2% for every year you are insured in the Netherlands between age 15 and the AOW age, usually because you live or work here. Fifty insured years give the full amount; every missing year takes 2% off for life. The amount also depends on whether you live alone or with a partner. A holiday allowance is paid in May, and the AOW age itself rises with life expectancy.
- A worked exampleA single person with 50 insured years gets about €1,662 a month gross in 2026. Someone who arrived at 35 and stays until AOW age has about 30 insured years, 60% of the full amount: about €997 a month gross. Missing years can often be bought back voluntarily within ten years; check your build-up on Mijn SVB.
Frequently asked questions
What is my AOW-leeftijd (state pension age)?
It depends on your birth year and is set several years in advance by the SVB. Check svb.nl for your exact date, since it is gradually rising.
Does living abroad for a few years reduce my AOW?
Usually yes, by about 2% per missing year, unless an EU regulation or Dutch social-security treaty with that country counts the time as insured.
Can I get AOW alongside a company pension?
Yes. AOW is the government base layer, and most employees also build up a separate workplace pension (pensioenfonds) on top, which is not modeled here.
Sources: svb.nl (AOW bedragen en opbouw) | rijksoverheid.nl
AOW builds up at 2% per insured year between age 15 and state pension age (50 years for full accrual); each year missing (e.g. living abroad) typically reduces the payment by 2%, though exceptions exist under EU/treaty rules. Figures shown are per 1 July 2026 and are revised twice a year (January and July) in line with the minimum wage.