How much jaarruimte do I have?

That depends on your income and whether you already build a pension somewhere. The basis is 30% of your premiegrondslag: last year's gross income minus the AOW-franchise of €19,172 in 2026.

If you accrue pension through work, your accrual is deducted as well: factor A from your UPO times 6.27. With a good employer scheme, little or no room may remain. In 2026 the jaarruimte is capped at €35,589. Calculate your figure with the jaarruimte calculator.