Everyone who lives or works in the Netherlands builds up AOW — including entrepreneurs and freelancers. It doesn’t matter whether you’re employed or self-employed. You receive AOW from a certain age, which moves along with life expectancy. Want to know how much you’ll get? Check it at svb.nl.
"}},{"componentType":"accordion","accordionList":[{"title":"How much AOW do I get if my partner isn’t 67 yet?","richBody":{"value":"If you reach AOW age but your partner hasn’t yet, you’ll receive a lower AOW payment. You’ll get 50% of the net minimum wage instead of the usual 70% if you live alone, or 100% together if you both receive AOW. The SVB calculates your exact amount based on your situation. You can view this via My SVB.
"}},{"title":"Pension payout and earning extra: is that allowed?","richBody":{"value":"Yes, it is. If you receive AOW, you can keep working or have other income. That’s useful if you’re still active with your business or another job.
Important: Extra income can affect your taxes and benefits, such as housing allowance, healthcare allowance, or wage tax. You may receive fewer benefits or pay more tax.
"}}]},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Check your pension situation","intro":"Get immediate insight into your possibilities","image":{"transformBaseUrl":"https://assets.ing.com/transform/3bc771d6-ef6b-4bb9-bc90-472479186ed8/Devices-Calculator_Outline","type":"image","width":0,"original":"https://assets.ing.com/m/5e1fc110daee248e/original/Devices-Calculator_Outline.svg","extension":"svg"},"link":{"url":"https://mijn.ing.nl/investments/pension-hub"}}]},{"componentType":"sectionTitle","title":"Pension through your employer – via your pension overview"},{"componentType":"paragraph","richBody":{"value":"If you’ve ever worked as an employee, you’ve probably built up pension income with a fund. At mijnpensioenoverzicht.nl, you can see exactly how much pension you’ve accumulated — even if you’ve been self-employed for years. Your pension from previous employers will still appear in your pension overview. Log in with your DigiD and you’ll get a clear overview of your accumulated pension.
"}},{"componentType":"sectionTitle","title":"Building additional pension yourself"},{"componentType":"paragraph","richBody":{"value":"As an entrepreneur or self employed, you usually don’t build up pension through an employer. This means you could face a pension gap later: too little income to maintain your lifestyle. Luckily, you can supplement this yourself, for example with Pension Investing. This way, you build wealth for later and benefit from tax advantages.
Want to know how Pension Investing works, how to get tax benefits, and what annual allowance is? Read more about tax benefits and annual allowance with pension investing. You can also discover the difference between pension saving and investing on this page.
"}},{"componentType":"paragraph","richBody":{"value":""},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/4bfebcb6e037353d/original/Pensioenbeleggen-Heb-jij-een-pensioengat.mp4","videoPreviewURLs":["https://assets.ing.com/asset/54af66af-c622-4bc8-a3ce-1c1171d0488a/480p/Pensioenbeleggen-Heb-jij-een-pensioengat.mp4","https://assets.ing.com/asset/54af66af-c622-4bc8-a3ce-1c1171d0488a/1080p/Pensioenbeleggen-Heb-jij-een-pensioengat.mp4","https://assets.ing.com/asset/54af66af-c622-4bc8-a3ce-1c1171d0488a/mp4/Pensioenbeleggen-Heb-jij-een-pensioengat.mp4","https://assets.ing.com/asset/54af66af-c622-4bc8-a3ce-1c1171d0488a/720p/Pensioenbeleggen-Heb-jij-een-pensioengat.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/4bfebcb6e037353d/mini-Pensioenbeleggen-Heb-jij-een-pensioengat.jpg","webimage":"https://assets.ing.com/m/4bfebcb6e037353d/webimage-Pensioenbeleggen-Heb-jij-een-pensioengat.jpg","thul":"https://assets.ing.com/m/4bfebcb6e037353d/thul-Pensioenbeleggen-Heb-jij-een-pensioengat.jpg"},"extension":["mp4"]}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Tax benefits and annual allowance with pension investing","intro":"As a freelancer or entrepreneur, you don’t build up pension through an employer. Want to be financially comfortable later and benefit from tax advantages? Read on.","image":{"transformBaseUrl":"https://assets.ing.com/transform/eded38a2-e1ff-4d72-9360-12283e0ef5a1/RI-header-e","type":"image","width":1612,"original":"https://assets.ing.com/m/73f279e7a52e517d/original/RI-header-e.png","extension":"png"},"link":{"url":"/en/business/pension/tax-benefit-annual-allowance"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Save or invest for your pension?","intro":"Saving for your pension gives security because you can’t lose your contributions. But with low interest rates and inflation, your pension pot will likely grow less than you’d like. Read more here.","image":{"transformBaseUrl":"https://assets.ing.com/transform/581bc53c-59bd-4bbe-8a12-89ff5aa6bee6/A-happy-female-barista-stands-behind-the-counter-providing-a-card-reader-to-a-customer-who-wants-to-make-a-mobile-payment-crop","type":"image","width":7246,"original":"https://assets.ing.com/m/555e0ff359033a76/original/A-happy-female-barista-stands-behind-the-counter-providing-a-card-reader-to-a-customer-who-wants-to-make-a-mobile-payment-crop.jpeg","extension":"jpeg"},"link":{"url":"/en/business/pension/saving-vs-investing"}}]},{"componentType":"sectionTitle","title":"Now at ING: ING Pension Investing"},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Pension investing","intro":"Build additional pension easily","image":{"transformBaseUrl":"https://assets.ing.com/transform/7eb07b69-741d-4672-b7ac-c3ad2db54076/A-woman-drinks-water-and-eats-food-while-talking-on-the-phone-and-working-on-her-laptop-in-a-cafe","type":"image","width":1920,"original":"https://assets.ing.com/m/12cbed0f8e5e4e3e/original/A-woman-drinks-water-and-eats-food-while-talking-on-the-phone-and-working-on-her-laptop-in-a-cafe.jpg","extension":"jpg"},"link":{"url":"/en/business/investments/pension-investing"},"checkMarkList":["Tax benefit up to 49.5% on your contributions","Contributions and accumulated value exempt from wealth tax","All via your own bank"],"promotionalLabel":{"labelType":"operational","body":"New"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"What are your pension options?","intro":"What can Pension Investing do for you? Check it out","image":{"transformBaseUrl":"https://assets.ing.com/transform/3bc771d6-ef6b-4bb9-bc90-472479186ed8/Devices-Calculator_Outline","type":"image","width":0,"original":"https://assets.ing.com/m/5e1fc110daee248e/original/Devices-Calculator_Outline.svg","extension":"svg"},"link":{"url":"https://mijn.ing.nl/investments/pension-hub"},"checkMarkList":["Insight into your annual allowance","Find out if you have a pension gap","Check your tax benefit","What can it bring you?"]}]},{"componentType":"sectionTitle","title":"Frequently asked questions about pension"},{"componentType":"accordion","accordionList":[{"title":"How can I view my pension overview?","richBody":{"value":"Via mijnpensioenoverzicht.nl, using your DigiD.
"}},{"title":"Where can I find my overview of pension funds?","richBody":{"value":"Check your overview at mijnpensioenoverzicht.nl. There you’ll see which funds you’ve built up pension with.
"}},{"title":"What is my AOW age in 2025?","richBody":{"value":"It’s 67 years. You can find your expected date at svb.nl.
"}},{"title":"How do I know when I’ll receive AOW?","richBody":{"value":"Use the AOW age tool at svb.nl. Enter your date of birth and see immediately when your AOW is expected to start.
"}},{"title":"How much AOW do I get if my partner isn’t 67 yet?","richBody":{"value":"If you reach AOW age but your partner hasn’t yet, you’ll receive a lower AOW payment. You’ll get 50% of the net minimum wage instead of the usual 70% if you live alone, or 100% together if you both receive AOW.
This is because AOW is based on the idea that you share costs together. If your partner doesn’t yet receive AOW, your payment is adjusted.
"}},{"title":"How much can I earn alongside my AOW and pension?","richBody":{"value":"You’re allowed to earn extra. But note: additional income can affect your taxes and benefits, such as housing allowance, healthcare allowance, or wage tax. You may receive fewer benefits or pay more tax.
"}},{"title":"Can I open ING Pension Investing with my business or personal account?","richBody":{"value":"You can only open ING Pension Investing with a personal account.
"}}]},{"componentType":"paragraph","richBody":{"value":"* This translation is intended for the customer’s convenience only. In the event of any inconsistency between the English translation and the original Dutch version, the original Dutch version shall prevail.
"}},{"componentType":"linkList","iconTitle":{"title":"Also interesting for you"},"textLinks":[{"url":"/en/business/pension/saving-vs-investing","text":"Saving vs investing for your pension"},{"url":"/en/business/pension/tax-benefit-annual-allowance","text":"Tax benefits and annual allowance in pension for entrepeneurs"},{"url":"/en/business/investments/investing-for-entrepeneurs","text":"Investing for entrepeneurs"},{"url":"/en/business/investments/pension-investing","text":"ING Pension investing"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"🛈 We offer the English information on ING.nl as an additional service. This information was translated from Dutch, and in case of any inconsistency, the original Dutch text shall prevail.
"}}]}}}