AOW Gap Projector

Estimate how much of your Dutch state pension you'll actually accrue, and roughly what it takes to close the gap yourself.

Assumes continuous Dutch residency from your arrival until your state pension age — a simplification, not a guarantee. Get your real accrual estimate at svb.nl. Read the full AOW gap guide for the mechanics. Not financial advice.

Age when you became a Dutch resident

Your current age

Assumed state pension age

Currently around 67 — this changes periodically, check svb.nl for the current figure.

Full annual AOW amount if fully accrued (€)

Look this up at svb.nl — it's indexed twice a year and differs for single vs. living-with-partner status.

Expected annual return on your own investing (%)

Your projected AOW accrual

70% of full

A gap of €4,500/year against the full amount you entered.

Rough monthly investing to close that gap yourself

€97 / month

Assumes a €112,500 target (25× the annual gap, a 4%-withdrawal-rate estimate), reached by your assumed state pension age.

This is an estimate, not your official AOW accrual. Confirm the real figure at svb.nl.