How much jaarruimte do I have for my lijfrente as a self-employed person?

Your jaarruimte is 30% of your premiegrondslag: last year's business profit (after entrepreneur allowances) minus the AOW-franchise of €19,172. If you build no pension elsewhere, factor A is zero and you keep the full room.

In 2026 the jaarruimte is capped at €35,589, at a qualifying income of €137,800 or more. Didn't use it fully in earlier years? You can still catch up to 10 years back via your reserveringsruimte. Work out your room with the jaarruimte calculator.