Pension advice
Your pension picture, finally clear.
Pension in two countries? Self-employed with no scheme? Starting later than planned?
Start with one free call with us. Then we map your full picture and give advice that fits. Not a product.
Rated 5.0/5 on Google
20,000+
clients since 2018
No commission
TaxSavers earns nothing on your pension
Written by
Menno van der MadeHead of Tax - Tax Consultant
Reviewed by
Victor van GilseTax Consultant
Updated 9 November 2026
5.0/5on Google, from clients
Tax advice for your pensionwe explain the tax side in plain language
1 working daywe reply, every time
EN · NLwe help in your language
Pension advice
See your whole pension picture before you choose.
Pension advice starts with your full picture, not a product. The advice sets your AOW, employer scheme, own savings and the tax on them side by side. AOW is the Dutch state pension. You see what you already have and what a next step would change.
Arrived mid-career? Self-employed? Pension in more than one country? Then the pieces rarely fit on their own, and that is what the advice sorts out.
Advice, application and closing
We map all three layers and advise on the routes that fit. Our associated company arranges what you choose, and we review it with you each year.
What we do
We advise you and stay alongside. We connect it to your mortgage, your income and your tax. And we show what changes for your tax if you leave or return to the Netherlands.
Curious how the Dutch tax office taxes your pension once it pays out? You can read that on our pension tax page.
Started later in the Netherlands? Each year living or working here adds 2% of a full AOW. Our pension gap guide shows the size of your AOW gap and the routes to close it.
Where to start
Which situation is yours?
Three situations we see every week.
Self-employed
You work as a freelancer
Without an employer scheme you build pension yourself. We work out that room. We advise on which routes suit you.
Learn moreWorking across bordersYour pension is spread over two or more countries
Each country counts and pays differently. The pension advice puts the pieces in one overview, so you know what to expect and when.
Ask your tax advisorLeaving NLYou are planning to leave the Netherlands
Emigrating changes your AOW build-up and your pension options. Before you go, we show how your tax changes.
Ask your tax advisorHow it works
Four steps, you decide.
Free 20 min
We listen to your situation
You tell us about your work, your plans and the pension you have so far. No cost, no commitment.
You leave with a first view of what to sort out.
Your options
We explain your tax room
Tax room is what you can still put into your pension with a tax benefit. We show how to use it.
You leave with a clear view of your tax room.
You decide
Everything clear before you commit
You get a written proposal with the scope and the price. You decide whether it goes ahead.
You leave with a fixed proposal to say yes or no to.
The hand-over
Advice and arrangement
We advise you on the pension. Our associated company A&H Finance then arranges it and takes it out with you.
You leave with a plan that stays current every year.
Replies within one working day
“I map the tax side of your pension. Once all three layers sit side by side, choosing between the routes gets easier.”
Menno van der Made
Tax advisor
Tax advisor, pension taxEN · NL
Your tax advisor
Talk to your tax advisor.
You talk directly to one dedicated tax advisor. He handles your tax and works alongside the pension advisor. A pension advisor gives the pension advice itself.
Book your free call
FREE CALLPick a moment this week that suits you.
Quick question?
WHATSAPPMessage an English-speaking tax advisor.
Rather call?
PHONECall +31 20 2170120 and ask about your pension.
Tax advice · we work nationwide
Pricing
What this advice costs
This advice comes with a fee, stated in your quote, not on this page.
How this advice works and who provides it
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.
This advice has its own fee.
Whole-picture approach
They start at a product. We start at you.
With us, the conversation starts with your situation. A provider starts with the product it sells. The advice first maps your three pension layers and only then points to the route that fits.
With a provider
With TaxSaversOur way
Advice
With a providerA pension product sold to you, not advice that fits
With TaxSaversAdvice not tied to any product
Full picture
With a providerAOW, employer pension and tax looked at separately
With TaxSaversAOW, tax, mortgage and pension looked at together
Cross-border
With a providerYour cross-border pension left unclear
With TaxSaversPension from every country in one overview
Tax side
With a providerNo one who knows your full picture
With TaxSaversYour tax advisor stays involved on the tax side
Own products only
Why together works
Tax and pension. One plan. Everything connected.
When pension advice connects to your tax and mortgage, the plan is stronger.
Roos · The Hague, freelance architect
Ten years self-employed and pension never made my list. In one session I saw all three layers. I also saw what I could still set aside this year and what that means for my tax return.
What changedA plan, not a product
Tomasz · Amsterdam, here for 11 years
I had pension from two jobs in Germany and one employer here. They mapped all three and showed me the tax side. Finally a plan I understood.
What changedOne clear picture
Marta & partner · Utrecht
We are thinking about moving back to Spain in ten years. They showed us what changes for our pension and mortgage when we leave. And what we can already do now.
What changedA plan for what's next
Reviews
What internationals say
Great for using a tax return in Holland, very great & friendly advice.
M
Minze Vries
Income tax return · June 2025
Super happy with Tax Savers! They made everything really easy and stress-free. Super thorough, explained things clearly, and got me a great outcome.
A
Adrianna Anastazja K.
TaxSavers experience · April 2025
Exceptional service! i’ve used other tax agencies and this one is by far the most efficient, speedy and friendly! Can’t recommend them enough
G
Gokul S
Tax services (general) · July 2025
Frequently asked
Pension advice questions, answered.
The questions we hear most in a first call. Yours not here? Ask your tax advisor
What does a pension advisor do?
A pension advisor maps your full pension picture and advises on what fits. That means your AOW, any employer pension, private arrangements and pension built abroad. We give that advice. We handle the tax side and connect it to your mortgage and income.
I am self-employed. Do I need pension advice?
Without an employer scheme, the layer you build yourself is the only one you control. There are tax-friendly ways to use it. We work out how much tax room you have. Building that layer with an annuity? Read our annuity advice page and check whether your annuity premium is tax-deductible. Our fiscal retirement reserve page explains what you can do with that reserve.
I arrived in the Netherlands mid-career. Is my AOW enough?
AOW builds at 2% for each year you live or work in the Netherlands. A complete AOW takes fifty full years, so a later start leaves a shortfall. How you find and close that gap, you can read on our pension gap page.
What happens to my pension if I leave the Netherlands?
If you neither live nor work in the Netherlands, your AOW build-up stops. You can often continue it voluntarily. Apply for this in time at the SVB, the Dutch social insurance bank. Your other pension usually stays where it is. The exact rules depend on the country, the tax treaty and the type of pension. Before you go, we map what changes for your pension. We add what it means for your tax, so there are no surprises.
Is the Dutch pension system changing?
Yes. Every pension scheme must move to the new Dutch pension rules by 1 January 2028. The largest funds have already made the switch. Your plan stays current while that happens. What changes when you actually retire, you can read in our retirement guide.
What does pension advice cost?
The fee is agreed with you before any work starts. The first call with us is free and without obligation.
Is pension built abroad part of the advice?
Yes. Pension from another country is part of your full picture. We explain how the Netherlands taxes a foreign pension on our foreign pension page. For US accounts we explain the rules on our Roth IRA page. Have a US 401k? Read how the Netherlands taxes it on our 401k tax page. Professional footballers find their rules on our football pension page. The pension advice brings it all into one plan.
Are you authorised to give pension, mortgage and insurance advice?
Yes. TaxSavers B.V. is listed in the AFM register as an affiliated institution under licence 12017511 of our associated company. That lets us advise on mortgages, insurance and pensions. The AFM is the Dutch regulator for financial markets. The application and closing run through our associated company. We take on the tax that follows.
Your pension picture
Get a clear plan before you decide anything.
Book your free call. We go through your situation and give the pension advice. You decide what happens next.
What's included
A dedicated tax advisor
A written fee before work starts
Help in English or Dutch