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TaxSavers Financial Services
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Pension

Your pension gap, in clear view.

Not sure your Dutch pension will be enough?

We map your AOW (the state pension), employer pension and private assets and show you what you can do. We then advise on the pension itself. Arrived here or holding pension abroad? We map the full picture.

Book your free callHow pricing works

out of 5 on Google

20,000+

clients since 2018

EN · NL

English and Dutch

Written by
Victor van GilseTax Consultant
Reviewed by
Ivar ÖsterlundTax Advisor
Updated 9 November 2026
5.0/5on Google, from clients
Tax and pension advice from TaxSaverswe explain your pension gap in plain language
1 working daywe reply, every time
EN · NLwe help in your language

The pension gap

What a pension gap is, and how we map yours.

A pension gap is the difference between the pension you will have and the income you will need. In the Netherlands your pension comes from three layers: the state AOW, a pension through an employer, and what you build yourself.

A gap is common. You build AOW only for the years you live or work here, so arriving mid-career leaves you with less. As a freelancer you build no pension through an employer at all. And pension you built abroad does not always carry over.

We map all three layers for your situation. The free call gives a first outline. The full calculation follows in the paid advice. Then we show the tax-friendly ways to close the gap and line it up with your tax and your mortgage. So you know where you stand. If you hold pension abroad, we check the treaty so it is not taxed twice. Running your own Dutch company (BV) brings different options, so ask us about those too. If you have the 30% ruling, check which salary your pension is based on.

How this fits your wider pension plan is on our page about pension advice.

Read the full guide
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Where to start

Which situation is yours?

Three reasons people come to us about a pension gap.

Self-employed

You have no employer pension

No employer means no pension built for you. We map your gap and advise you on what fits.

Talk this throughPension abroad

You hold pension in another country

Pension built abroad does not always carry over cleanly. We help you see the whole picture.

Talk this throughLeaving NL

You are moving abroad

Leaving the Netherlands changes your AOW and your pension. We map what happens before you go.

Talk this through
How it works

Four steps, then you choose

Free 20 min

We map where you stand

We listen and look at your AOW, your pension and your plans.

You leave with a clear view of your pension gap.
Your options

We show what fits

We explain the tax-friendly ways to close the gap and how they fit your tax and mortgage. Pension advice is paid advice, with the fee in your quote.

You leave with the routes that fit, with no jargon.
You decide

You decide when everything is clear

You get the fixed price and the proposal in writing first.

You leave with time to decide, and you're not committing to anything.
Handover

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 clear hand-over, with no gaps.

Ready for a clear plan?

Free call, no obligation.A fixed price before you decide.
Book your free callor call +31 20 2170120
Victor van Gilse
Replies within one working day

“The point is not to sell you a product. It is to show you where you stand, so the advice that follows fits. Clearly, before you decide anything.”

Victor van Gilse

Tax advisor

Tax advice on your pensionEN · NL

Your advisor

Talk to your tax advisor.

You talk directly to one dedicated advisor who knows your full situation, your AOW, your pension and your plans. And one who picks up when you call. We give the pension advice itself.

Book your free call

Pick a slot this week that suits you.

Quick question?

Message an English-speaking advisor about your pension gap.

Rather call?

Call +31 20 2170120 and ask about your pension gap.

Your pension gap mapped · we work nationwide

Pricing

What this advice costs

This advice has its own fee. It is stated in your quote.

KNOWING WHERE YOU STAND

Pension gap advice

Price on requestfixed fee, agreed up front

Your full pension picture and the tax-friendly ways to close the gap.

  • A fully worked-out view of your AOW, employer and private pension
  • The tax-friendly routes worked out in full for your situation
  • TaxSavers advises on tax and on your pension.
  • A yearly review as the rules change
Book your free call
How this advice is paid for

We give the pension advice. The application and closing run through our associated company. Kifid is the Dutch financial-disputes body. You receive the fee in writing before any work starts. Setting up a product is quoted separately. You agree to that first. 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.

Your whole situation first

They sell. You get advice.

A bank or insurer often points you to their own pension product. We look at your full situation first. Then you get advice on what fits. No product to push.

At a bank or insurer
With TaxSaversOur way
Advice
At a bank or insurerA pension product sold to you, not advice that fits
With TaxSaversAdvice that fits your situation, not a product
Full picture
At a bank or insurerAOW, tax and mortgage looked at separately
With TaxSaversAOW, tax and pension advice in one conversation.
Tax-free room
At a bank or insurerYou work out your own tax-free pension room
With TaxSaversWe work out your tax-free pension room, the amount you may still pay in
Your advisor
At a bank or insurerNo one who knows your full situation
With TaxSaversOne advisor who follows your file from the first call onwards
Own products only
Book your free call

How tax and pension advice work together

Tax and pension. One plan.

TaxSavers advises on your tax and your pension. Both rest on one shared view of your situation.

A father and his young daughter ride a Dutch city ferry, watching a ship pass in golden light

Lukas · Rotterdam, freelance since 2019

I never built pension as a freelancer. They worked out my tax-free room and set up what fits, in line with my tax return. One conversation, not four.

PensionTax
What changedOne clear plan
A man in his mid-thirties relaxes on a blanket at an open-air film evening in a Dutch park

Marco · Eindhoven, here since 2017

I arrived mid-career and had pension in two countries. They mapped both, showed my real gap and what I could do about it. Finally clear.

PensionTax
What changedNo double tax
A couple in their early thirties laughs while finding their way through a Dutch hedge maze

Sofia & partner · Amsterdam

We were choosing between paying down the mortgage and building pension. TaxSavers mapped the tax side and we came away with a plan we understood.

PensionMortgage
What changedOne plan, not two
See what could work for you

Reviews

What internationals say

Read all 1,500+ reviews on Google

Great help! Very informative, fast and polite. Lisa was a great professional and would highly recommend

J
Jurie Potgieter
TaxSavers experience · October 2025

Great for using a tax return in Holland, very great & friendly advice.

M
Minze Vries
Income tax return · June 2025

Very good and reliable . Never had a problem with these guys .

E
Excited
TaxSavers experience · June 2026

Frequently asked

Pension gap questions, answered.

The questions we hear most in a first call. Yours not here? Ask your advisor

What is a pension gap?
A pension gap is the difference between the pension you will have and the income you will need later. Most people have one. We map yours and show what closes it.
Do I have a pension gap as a freelancer?
As a freelancer you build no pension through an employer, so a gap is likely. You build it yourself, often with a tax-friendly route and get advice on what fits.
I arrived in the Netherlands mid-career. How does that affect my AOW?
You build AOW only for the years you live or work in the Netherlands. Arriving later means a lower AOW, so the gap is often bigger. We map exactly where you stand.
Does moving abroad make my pension gap bigger?
Yes, leaving early usually makes the gap bigger. Your AOW build-up stops when you go. What you already built stays yours. We map it before you go.
Does the new pension law change my gap?
That depends on your scheme. Most large funds have already switched. We recheck your figures once your fund has moved.
What does pension gap advice cost?
This advice has a fixed fee, agreed before any work starts. The 20-minute first call costs you nothing.
Does the 30% ruling affect my pension build-up?
Your 30% ruling can affect the salary your pension is based on. We check your scheme and show what it means for your gap.
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 application and closing run through our associated company. We take on the tax that follows.

Your pension gap?

Know where you stand.

Book your free call. We map your situation and show what fits. You decide if it's a fit.

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What's included

  • A dedicated advisor

  • A free first call of 20 minutes