Investing always involves risks. You could lose your invested money.
Calculate your annual margin (jaarruimte)
If you have an annual margin, you can invest for your pension with tax benefits.
Calculate your annual margin (2026)
Total annual income 2025
Did you build up pension with an employer in 2025?
Factor A from 2025
Annual margin 2025
Indicative tax refund
What is an annual margin?
Your annual margin is the maximum amount you can contribute in a year with tax relief. How much annual margin you have depends on your income.
What is unused annual margin (reserveringsruimte)?
Your unused annual margin (reserveringsruimte) is the amount remaining when you haven’t used your full annual margin (jaarruimte) in one or more years. You can carry forward unused annual margin for up to ten years. Please note: the maximum unused annual margin for 2025 is € 42,108
Before you start calculating
If you're planning on calculating your annual margin, you'll need the correct information to hand. Check out our annual margin checklist to understand what is needed.
Dutch Pension Annual Margin Calculator
If you've got all the required details to hand, use our handy spreadsheet calculator to determine your annual margin for the year.
Do you know your annual margin?
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