Calculate your reservation space
Our free calculator shows you exactly how much tax space you still have to make a tax-efficient contribution.
In a few steps, check what you've left behind over the past 10 years and still get it in.
After downloading and completing our tool, you'll know more about:
How much reservation space you actually have over the past 10 years
The maximum amount you can deposit with a tax benefit
How to make optimal use of annual space and reservation space together
Do you have questions? We'll help you out right away
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Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
What is reserveringsruimte?
Reserveringsruimte is jaarruimte from earlier years that you did not use. If you had €10,000 of jaarruimte last year but contributed nothing, you can still use that room later.
You can look back up to 10 years, with a maximum of €42,753 in 2026. You may combine reserveringsruimte with your regular jaarruimte in the same year. Always use your oldest room first, otherwise it expires. Calculate your amount with the reserveringsruimte calculator.
Do I also get a tax advantage on reserveringsruimte?
Yes, exactly the same as with your regular jaarruimte. You deduct the contribution from your taxable income in box 1 under 'uitgaven voor inkomensvoorzieningen'.
You deduct at your box 1 bracket rate, up to 49.50% in 2026. In 2026 you may declare a maximum of €42,753 in reserveringsruimte. Calculate with the reserveringsruimte calculator.
Can reserveringsruimte expire?
Yes. Reserveringsruimte can be used up to 10 years back. Unused jaarruimte from a year further back expires permanently.
So always use your oldest reserveringsruimte first. In 2027, for instance, the unused jaarruimte from 2016 expires. Calculate what you have left with the reserveringsruimte calculator.
Can I combine reserveringsruimte and jaarruimte?
Yes, you may use both in the same year. Your total deductible contribution is then this year's jaarruimte plus your reserveringsruimte from earlier years.
Each has its own maximum though: in 2026, €35,589 in jaarruimte and €42,753 in reserveringsruimte. Always use your oldest reserveringsruimte first, otherwise it expires. Work it out with the jaarruimte and reserveringsruimte calculators.
How is the reserveringsruimte calculated?
Reserveringsruimte is the jaarruimte you did not use in earlier years. You calculate how much jaarruimte you had per year and add up the unused amounts. You may look back a maximum of 10 years.
Mind the percentages per year: up to and including 2022 the jaarruimte was 13.3% of the premiegrondslag; since the Wtp (1 July 2023) it is 30%. In 2026 you may declare a maximum of €42,753 in reserveringsruimte. Calculate it with the reserveringsruimte calculator.
What is the maximum amount of reserveringsruimte I am allowed to use?
In 2026 you may declare a maximum of €42,753 in reserveringsruimte, even if you have accrued more over the past 10 years. The excess does not roll over to a following year.
You may combine your reserveringsruimte with that year's jaarruimte. Always use your oldest reserveringsruimte first, otherwise it expires. Calculate your amount with the reserveringsruimte calculator.