A lijfrente is a Dutch pension you build yourself, with tax advantage.
Not every lijfrente makes sense for every situation.
We look at your pension gap, your tax room and your full picture. We then advise on the lijfrente itself.
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Lijfrente explained
A lijfrente fits many people. It does not fit everyone. It suits the self-employed and anyone with a thin employer pension. The right answer depends on your full tax situation and your pension gap. Your 30%-ruling status matters too. A lijfrente fits less well if you have little jaarruimte or need the money soon.
A lijfrente is a tax-friendly way to build a pension yourself. You use room the Dutch tax system sets aside for you. Each year you put in an amount and deduct it from your taxable income. We call that room jaarruimte. It follows from what you earned last year. For 2026 the jaarruimte maximum is €35,589. Unused room from earlier years counts up to €42,753.
Advice, application and closing. We advise on the lijfrente. Our associated company arranges it for you.
What we do. We work out your jaarruimte, your pension gap and the tax effect. We give you those numbers before you decide. You deduct each premium in the year you paid it. A later payment deadline applies if you converted an oudedagsreserve (tax-deferred retirement reserve) or a discontinuation profit.
Planning to leave the Netherlands later? We map what that does to your lijfrente before you start. Leaving the Netherlands triggers a conservatory assessment (conserverende aanslag) on your built-up lijfrente: the tax is deferred and lapses after ten years without a prohibited act.
How this fits your wider pension plan is on our page about pension advice.
Your situation
Which one is yours?
No employer pension is being built for you. A lijfrente could fill that gap and cut your tax bill.
Learn more30% rulingThe ruling affects your taxable base and your jaarruimte. We work out how it all fits before the ruling expires. If you arrived this year, we check what room your first Dutch year gives.
Learn morePension abroadForeign pension pots change your jaarruimte and your Dutch return. We map both before you decide.
Learn moreFrom first call to a clear plan, no jargon.
We go through your pension gap, your income, your 30%-ruling and existing pension.
We check your jaarruimte, the tax effect and your pension gap. Honest, even if the answer is no.
You get a written proposal with the fee before the work starts. The advice fee is in your quote. No surprises and no hidden costs.
We advise you on the pension. Our associated company A&H Finance then arranges it and takes it out with you.
“Most people come in expecting to be told to get a lijfrente. My job is to work out the tax side first. Your jaarruimte, the pension gap and what the deduction is worth. The lijfrente decision follows from there. Either way, you leave knowing exactly where you stand.”
Mia Gradidge
Tax advisor
Your advisor
You get one tax advisor who looks at your whole situation. They work out your jaarruimte and the tax effect, and advise you on the lijfrente itself.
Pick a slot this week.
Message an English-speaking advisor about your jaarruimte or your tax.
Call +31 20 2170120 and ask about the tax on your pension.
Pricing
The fee for this advice is in your quote, not on this page.
We give the pension advice. The application and closing run through our associated company. Do you have a complaint about the advice? Raise it with us first. If we do not reach a solution together, you can take it to Kifid, the Dutch complaints institute for financial services. A Kifid ruling is binding.
A bank or insurer walks you toward its own lijfrente product. We first map your full situation and the tax that comes with it. We then advise on whether a lijfrente makes sense at all.
Why together works
Your jaarruimte, your mortgage and your tax return all draw on the same figures. We work out those figures once.
Arjun · Amsterdam, freelance since 2022
I never looked at a lijfrente because I thought I could not afford it. One session and I realised I was already leaving money on the table. My jaarruimte had been building up for four years.
Nadia · Rotterdam, here since 2018
I had a pension from Germany and the 30% ruling. Nobody had ever looked at both at the same time. Here they did, and the picture was completely different from what I expected.
Thomas & Vera · Utrecht
We were paying down the mortgage and thinking about pension. Nobody had looked at both. One conversation and we had a plan that connected them.
Reviews
I have a positive experience with Taxsavers. Professional, patient, and informed people with vast knowledge about financial rules in the Netherlands.
I was an absolute pleasure working with Tax Savers. Professional, efficient and very knowledgable
Great experience. Prompt response. Very convenient. I didn't have to do anything other than uploading documents. Everything was taking care of!
Frequently asked
The questions we hear most in a first call about a lijfrente in the Netherlands. Yours not here? Ask your advisor
Your lijfrente?
Book your free call. We go through your situation and tell you what comes next.
What's included
A dedicated tax advisor
Free first call, no obligation
Help in English or Dutch
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