How are the total pension costs for 10 employees calculated?

We start with the pensionable salary. We subtract the state pension offset (AOW-franchise) of €19,172 from the salary. This results in a pensionable salary of €25,828.

With an employer contribution of 8%, the gross contribution is €2,066 per employee per year. On top of that, you pay 17.13% in employer charges on the premium-eligible portion, which amounts to €354. The effective surcharge on the pension contribution is therefore 17.1%.

For 10 employees, Vive's service fees are added: €7.50 per employee per month × 12 × 10 = €900 per year.

At the start, you also pay a one-time fee of 10 × €45 = €450 in onboarding costs.

All in all, the total costs for the first year come to €25,552.

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This mainly depends on the salary, the number of participants, and the percentage you contribute as an employer. We first deduct the state pension (AOW) franchise of € 19,172 from the gross annual salary. We then calculate your chosen contribution based on the remaining pensionable salary.

This calculation also includes employer costs and Vive's fixed fees. Use the calculator to see immediately what different contributions mean for your total annual costs. Also, check out the current Vive rates and read how to arrange pensions for employees .

First, we deduct the state pension (AOW) franchise of € 19,172 from your gross annual salary. The remaining amount is the pensionable salary, also known as the pension basis. We calculate the chosen contribution percentage based on this amount.

With a gross annual salary of € 45,000 and a contribution of 8%, this is: € 45,000 − € 19,172 = € 25,828. The employer contribution is then € 25,828 × 8% = € 2,066 per year. Read more about the pension basis.

Yes. In this calculator, we add 17.13% in employer costs to the employer contribution on the premium-liable portion. With an employer contribution of €2,066 that amounts to €354.

In addition, Vive charges €7.50 per employee per month and a one-time fee of €45 per employee for onboarding. View the current rates and cost breakdown. The exact processing may depend on the chosen payroll structure; please coordinate this with your payroll administrator or advisor. On the page about pension for employees you can read more about the possible setup.

Yes. With Vive, you as an employer decide how much you contribute. You can choose a fixed amount, a percentage of the salary, or a matching scheme where you supplement the employee's contribution.

Furthermore, you can set up the contribution differently for each employee or team. This allows you to easily compare multiple scenarios using the calculator and choose a contribution that fits your employment terms and budget. View the options for structuring your pension plan.

No. The calculator provides an indication based on the number of employees, the average gross annual salary, the chosen contribution percentage, and the assumptions used. Actual costs may vary due to the personal circumstances of employees and how you process the contributions administratively.

Use the result to compare scenarios and budgets. Would you like to know what the plan could look like for your organization? Read more about pension for employees via Vive or download the employer brochure.