Pension Room (Jaarruimte) Calculator
Work out how much you can pay into a tax-deductible pension (lijfrente) in 2026, including unused room from earlier years, and how much income tax that saves.
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Pay before 31 December to deduct it in your 2026 tax return. The money is locked until retirement (with limited exceptions) and taxed when paid out, usually at a lower rate.
A lijfrente account is exempt from Box 3, so money moved there before 1 January also lowers next year's Box 3 tax.
See all year-end moves together in the year-end tax planner. →
This year’s room (jaarruimte)€ 12.248
Room you can still use€ 12.248
Tax you save€ 5.384
A lijfrente deposit is deducted from this year’s income at your full rate: the saving is the tax on your income minus the tax on your income without the deposit.
Estimate only, using the 2026 figures in art. 3.127 Wet IB 2001 (Belastingdienst). Your exact jaarruimte depends on your 2025 income and the factor A on your pension statement; the Belastingdienst's own "Hulpmiddel lijfrentepremie" gives the binding figure.