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. Our associated company, a separate licensed advice firm, then advises on the pension itself. Arrived here or holding pension abroad? We map the full picture.
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The pension gap
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. Our associated company arranges the pension. TaxSavers takes on the tax that follows.
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.
Where to start
Three reasons people come to us about a pension gap.
No employer means no pension built for you. We map your gap and line up the advice.
Talk this throughPension abroadPension built abroad does not always carry over cleanly. We help you see the whole picture.
Talk this throughLeaving NLLeaving the Netherlands changes your AOW and your pension. We map what happens before you go.
Talk this throughWe listen and look at your AOW, your pension and your plans.
We explain the tax-friendly ways to close the gap and how they fit your tax and mortgage. Paid pension advice comes from our associated company.
Our associated company gives you the fixed price and the proposal in writing first.
From here our associated company takes over: they advise on the pension, arrange it and take it out with you.
“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
Your 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. The pension advice itself comes from our associated company.
Pick a slot this week that suits you.
Message an English-speaking advisor about your pension gap.
Call +31 20 2170120 and ask about your pension gap.
Pricing
This advice has its own fee. Our associated company states it in your quote.
Pension advice is provided by our associated company A&H Finance. AFM is the Dutch financial regulator and Kifid the Dutch financial-disputes body. Our associated company advises you, arranges the pension and invoices you. You receive their fee in writing before any work starts. They quote setting up a product separately. You agree to that first. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and charges nothing for the pension. TaxSavers receives no fee or commission for it and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid. They are registered there and have accepted binding advice, so a Kifid ruling binds them.
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.
How tax and pension advice work together
TaxSavers looks after your tax. Pension advice comes alongside it, based on one shared view of your situation.
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.
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.
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.
Reviews
Good and clear guidance, easy and handy document upload system, straightforward and honest communication.
Excellent service from TaxSavers. Nadya helped us out through the process very smoothly and explained everything along the way.
Nadya was very helpful and responsive, the process ran smoothly and now the last step is to wait for the provisional tax assessment from the belastingdienst :-) 10/10!
Frequently asked
The questions we hear most in a first call. Yours not here? Ask your advisor
Your pension gap?
Book your free call. We map your situation and show what fits. You decide if it's a fit.
What's included
A dedicated advisor
A free first call of 20 minutes
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