Will your pension pay for the life you want?
You’re paying into a pension. But if someone asked whether it’ll be enough for a comfortable retirement, would you know what to say?
Get an overview of your projected shortfall, and what you could contribute to close it, in less than 10 minutes.
Free to use. In English. For women living in NL.
No abracadabra.
Find out where you stand.
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Pension overviews are a nightmare.
The wording might as well be ancient Greek at times.
‘Nominal’. ‘Inflation adjusted’. A few different numbers, and somehow you’re supposed to know what they mean for your life.
So you close the tab and tell yourself you’ll figure it out later.
I built this calculator so you can finally answer the question: am I on track for the retirement I want?
Your pension.
In numbers that mean something.
- What you could have coming in each monthYour AOW, employer pension and any additional private pension, after estimated tax.
- Whether there’s a gapCompare your projected pension with the monthly income you’d like to have in retirement, in today’s purchasing power.
- What you could put in to work towards closing itExplore how additional private pension contributions could change the picture.
Here’s how it works.
Get your pension overview.
Log in to Mijnpensioenoverzicht.nl with your DigiD. You’ll need the projected monthly take-home pension figure. The calculator explains which one to use.
Tell it what you want.
Enter your age and the monthly take-home income you’d like in retirement. Add any private pension you’re already building.
See what changes.
Look at your projected gap and try different monthly contributions. You can save your results as a PDF to come back to later.
Hi, I’m Laura, founder of Elevate.
I have an MSc in Fiscal Economics and became work optional at 35. Getting on top of my pension early on played a big part in that.
But you shouldn’t need a finance degree to understand whether you’ll have enough money when you stop working.
That’s why I built this. To help you go from ‘I really need to look at my pension’ to actually knowing where you stand.
My mission is to put more money in the hands of women. Including future you.
A few things you might be wondering.
Is this just for expats?
No. It’s for women living in the Netherlands, whether you grew up here or moved here. The calculator is in English and focuses on Dutch pensions.
What if I’ve built up pensions abroad?
The calculator doesn’t model foreign pensions or cross-border tax rules. You can use it to explore your Dutch pension, but it won’t give you a complete picture of your retirement income across countries.
What does ‘in today’s purchasing power’ mean?
It means the results are expressed in what money can buy today, rather than a bigger-looking future number that hasn’t accounted for inflation. That makes it easier to compare your pension with the life you’re paying for now.
Will this tell me exactly what to contribute?
It gives an estimate based on your inputs and assumptions about growth, inflation, tax and the payout period. It doesn’t check your jaarruimte or tell you which pension product to choose. It’s a starting point for understanding your numbers, not personal financial advice.
Can I use it to plan early retirement?
The calculator compares income from the point your AOW and the employer pensions you’ve included are payable. It doesn’t calculate the money you’d need to bridge the years before that.
Let’s see where you stand.
Get an overview of your projected pension gap and what you could do to work towards closing it.
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