What is jaarruimte?

Jaarruimte is the amount you may contribute tax-efficiently in a year for extra pension, if you have a pension shortfall. You then deduct your contribution from your taxable income.

The calculation: take last year's gross income, deduct the AOW-franchise (€19,172 in 2026), and take 30% of the remainder. If you accrue pension through work, your accrual (factor A times 6.27) is deducted too. In 2026 the jaarruimte is capped at €35,589. Calculate it with the jaarruimte calculator.