{"type":"document","data":{"id":"068453da-d3ed-41ad-8bf4-e964d54b4863","localeString":"en-GB","publishDate":"2026-03-31T14:25:16.702+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"You’re thinking about your pension. Smart, because many people build up less pension than they need. This is also called a pension gap or pension shortfall."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"You (temporarily) did not build up pension, for instance as a self-employed person or during a gap year","icon":{"transformBaseUrl":"https://assets.ing.com/transform/181f14d5-5b2d-41a8-b83d-902fd70bd151/Devices-Stop_Watch_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/1a6f106eb84072c2/original/Devices-Stop_Watch_Outline.svg","extension":"svg"}},{"body":"You work part-time or currently earn less than before","icon":{"transformBaseUrl":"https://assets.ing.com/transform/9c7816b4-3aa6-4146-bd0a-9875486d8f7a/Products-Wallet_Outline","type":"image","width":32,"altTextEN":"bank account","altTextNL":"zichtrekening","altTextFR":"compte bancaire","original":"https://assets.ing.com/m/4475ca40a17254c7/original/Products-Wallet_Outline.svg","extension":"svg"}},{"body":"Your employer’s pension scheme is insufficient for your future needs","icon":{"transformBaseUrl":"https://assets.ing.com/transform/b4b2ad4d-a9ff-467a-8009-affc2bc330b7/Office_Outline","type":"image","width":80,"original":"https://assets.ing.com/m/4f9de8018585a059/original/Office_Outline.svg","extension":"svg"}}],"coreHeader":{"body":"A pension shortfall means that later you may have less income than you’re used to. Your state pension (AOW), any pension through your employer, and your accumulated assets may not be enough to maintain your lifestyle. This page is an English translation of the original Dutch version.*\r\n\r\nA pension shortfall can arise, for example, because:","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/136ce4c6-978a-4059-ae9e-1cb0ca20b74e/Front-view-of-a-man-putting-his-hand-in-a-hole-in-the-wall-at-night","type":"image","width":3000,"original":"https://assets.ing.com/m/51affd314bc56d61/original/Front-view-of-a-man-putting-his-hand-in-a-hole-in-the-wall-at-night.jpg","extension":"jpg"},"title":"Do I have a pension gap?","subtitle":"You’re thinking about your pension. Smart, because many people build up less pension than they need. This is also called a pension gap or pension shortfall."},"backLink":{"textLink":{"url":"/en/personal/investing/investments-at-ing","text":"Start investing at ING"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"How do I know if I have a pension gap?"},{"componentType":"paragraph","richBody":{"value":"<p>Check via <a href=\"http://www.mijnpensioenoverzicht.nl/en\">mijnpensioenoverzicht.nl</a> how much state pension (AOW) you will receive and how much pension you have built up through your pension scheme. Compare this with what you think you will need when you retire. </p><p>A commonly used rule of thumb is to aim for 70% of your last earned salary. After retirement, you often have lower expenses because you may have paid off your mortgage, and any children may have left home. </p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/2738bfad3f1f38a/original/Heb-jij-een-pensioengat-ENG.mp4","videoPreviewURLs":["https://assets.ing.com/asset/6309651f-4148-46a0-9c37-ed215cc952d4/480p/Heb-jij-een-pensioengat-ENG.mp4","https://assets.ing.com/asset/6309651f-4148-46a0-9c37-ed215cc952d4/mp4/Heb-jij-een-pensioengat-ENG.mp4","https://assets.ing.com/asset/6309651f-4148-46a0-9c37-ed215cc952d4/1080p/Heb-jij-een-pensioengat-ENG.mp4","https://assets.ing.com/asset/6309651f-4148-46a0-9c37-ed215cc952d4/720p/Heb-jij-een-pensioengat-ENG.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/2738bfad3f1f38a/mini-Heb-jij-een-pensioengat-ENG","webimage":"https://assets.ing.com/m/2738bfad3f1f38a/webimage-Heb-jij-een-pensioengat-ENG","thul":"https://assets.ing.com/m/2738bfad3f1f38a/thul-Heb-jij-een-pensioengat-ENG"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"Calculate your pension shortfall"},{"componentType":"paragraph","richBody":{"value":"<p>In the ING App, we help you make a rough calculation of your pension gap using the Pensiontool. You can set and track your pension shortfall here. We do not take other assets into account, such as your home or investments. Do you expect additional income from these? Then enter a lower desired net pension income. </p>"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"<p>Investing involves risks and costs. The value built up for your pension cannot be determined in advance and depends on investment results. These may turn out better or worse than expected. You could lose your contribution or part of it. </p><p>*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. </p>"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/risks-of-investing","text":"Learn more about the risks of investing"}]}]}}}