How much tax benefit do I get with pension investing?

Your contribution to a lijfrente account is deductible within your jaarruimte and reserveringsruimte. How much you get back depends on your income: you deduct at your box 1 rate, which in 2026 is 35.75%, 37.56% or 49.50%. No tariefsaanpassing applies to lijfrente contributions, unlike mortgage interest, so above €78,426 you get 49.50% back on the part of your contribution falling in that bracket.

Two things to bear in mind. Because the deduction lowers your income, a large contribution can partly fall into a lower bracket and so be deductible at a lower rate. Conversely your effective benefit can be higher, because tax credits rise as your taxable income falls. In addition, your pension accrual does not fall into box 3 during the accrual phase. Calculate your room with the jaarruimte calculator or read the tax advantages of pension investing.