How the Dutch pension system works in 2025 (for expats)
Discover how the Dutch pension system works. Learn about AOW, pension funds and annual margin (“jaarruimte”) and how to build your own pension in the Netherlands.
Investing always involves risks. You could lose your invested money.
Your Dutch pension: understanding Factor A and your annual margin
Learn how your annual margin (jaarruimte) and Factor A determine how much you can invest tax-free for your pension in the Netherlands. Understand how to calculate your annual margin, find your Factor A, and make the most of your tax advantages with a Peaks Pension account.
Start investing with Peaks
Become an investor in five minutes.
For the first 30 days, you pay no package fee to Peaks.
You will only pay fund fees and spread then.