Lijfrente Calculator for Netherlands
Netherlands · EUR. Country-specific pension contributions or entitlements.
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Decisions.
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Calculator Parameters
All amounts in EUR.
€ 10.000,00 Minimum € 0,00; maximum € 10.000.000,00.
€ 300,00 Minimum € 0,00; maximum € 100.000,00.
€ 5.000,00 Minimum € 0,00; maximum € 10.000.000,00.
5% Minimum 0%; maximum 30%.
20 Minimum 1; maximum 50.
Your estimate
Projected balance
€ 150.436,50
Opening balance + credited contributions
€ 82.000,00
Modelled growth
€ 68.436,50
Based on the assumptions shown. This result is an illustration, not a quotation or guaranteed benefit.
Growth Projection
Method and scope
Private lijfrente accumulation using monthly contributions within annual eligible room you have verified using the official jaarruimte/reserveringsruimte tool. That same room is assumed available each projected year; it is not calculated from salary alone and may change. Contributions above entered room suppress the projection. Return is an assumption after fees before payout taxes. No deduction refund is reinvested. AOW entitlement, occupational pension accrual, annuity payout pricing, tax at payout and eligibility for special products are excluded.
Try the starting example
Current balance: € 10.000; Monthly contribution: € 300; Verified annual eligible contribution room (assumed each year): € 5.000; Assumed annual return (nominal): 5%; Years: 20.
Projected balance: € 150.436,50.
Compare one assumption at a time
Only the assumed investment return changes; contribution inputs stay fixed. Check any eligibility or contribution-limit warning before using a result. A projected balance does not establish withdrawal income or tax relief. Where no editable return is supported, use the profile-specific interpretation below. These fictional scenarios use the starting inputs printed above, not your current entries in the interactive calculator.
| Assumed annual return (nominal) | Projected balance | Interpretation |
|---|---|---|
| 3% | € 116.698,15 | One changed input |
| 5% | € 150.436,50 | Starting example |
| 7% | € 196.665,39 | One changed input |
Is the result a full tax bill or only the supported component?
Box 1 includes the stated national-insurance treatment before credits; it does not calculate every part of a Dutch return. Lijfrente accumulation requires verified eligible contribution room, which the tool does not derive from salary. A higher projected balance does not prove a larger deductible contribution is permitted.
To reproduce the table, reset the calculator, change only the named input and compare the result and any warning. Record the assumptions with your result. See worked planning examples and our calculation and correction process.
Sources and review date
Rules and method reviewed 2026-11-02. Future changes are not automatically applied. Report a correction.