Maybe you're already building up pension through your employer. Or perhaps you're arranging everything yourself. But do you know how much pension you can expect later?
With the Pension Check, you'll gain insight into your pension situation and discover your options for building additional pension. Log in to My ING and find out for yourself.
You have a pension gap if you're likely to receive less pension later than you expect or need. This can happen if, for example, you stopped working for a period, work part-time, haven't built up pension as a self-employed professional, or are building up less pension through your employer than you think.
The sooner you know where you stand, the more time you have to do something about it.
What is a pension gap?
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Potential tax benefits when building extra pension"},{"componentType":"paragraph","richBody":{"value":"You may discover that you'll receive less pension later than you need or would like. Or perhaps you'd simply like to build up some extra income for later. In that case, you may be able to benefit from tax advantages. How much you can contribute with tax benefits depends on your fiscal annual allowance.
Log in to My ING and discover how much you may be able to contribute.
If you're building up too little pension for later, the government encourages you to save extra for retirement yourself. In that case, you may have fiscal annual allowance: the maximum amount you can set aside for retirement in a tax-efficient way during a calendar year.
The advantage? Contributions within your fiscal annual allowance may be deductible from your income tax return. The tax benefit you receive depends on your personal situation.
"},"textLinks":[{"text":"More about tax benefits","url":"/en/personal/investing/investments-at-ing/the-tax-benefits-of-pension-investing"}]}],"title":{"value":"What is fiscal annual allowance?
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Start working on your pension today"},{"componentType":"paragraph","richBody":{"value":"Do you know where you stand and how much fiscal annual allowance you have? Then the next question is: what will you do with it?
With Pension Investing, you can build capital for later and potentially benefit from tax advantages. And with our current promotion, you can enjoy an extra benefit right now.
With Pension Investing, you invest for an income supplement to your state pension and any pension you've built up through an employer. This helps you build an additional pension pot for later.
Potential tax benefits
Do you have annual pension allowance? Then your contributions may be tax-deductible in Box 1, subject to conditions. The wealth you build up does not count towards Box 3 taxation. Whether and how much tax benefit you receive depends on your personal situation and applicable tax rules.
From pension pot to regular income
When you retire, you open a payout product. This allows your accumulated balance to be paid out periodically for a minimum of 5 and a maximum of 30 years. You pay income tax on these payments.
Designed for later
You're building capital to use from retirement age onwards as a supplement to your income. Fiscal conditions apply if you want to withdraw money earlier. If you cash out your balance before retirement, you will pay income tax and may also owe a penalty of up to 20%.
Investing involves risks. You may lose some or all of your investment.
How does Pension Investing work?
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Investing involves risks and costs. The value built up for your retirement cannot be determined in advance and depends on investment performance, which may be higher or lower than expected. You could lose all or part of your contribution.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Start investing at ING","url":"/en/personal/investing/investments-at-ing"}},"componentType":"productHeader","coreHeader":{"body":"Your pension may feel far away. But today is exactly the right time to see where you stand. Whether you're employed or self-employed, 27 or 47. Now is the time to find out whether you have a pension gap and what you can do about it.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/015261cf-cb51-4ed0-b933-6214e774a0d8/Russo_Q4PensionCampaign_2026.jpg","publishedAt":"2026-10-26T17:30:35Z","transformBaseUrl":"https://assets.ing.com/transform/015261cf-cb51-4ed0-b933-6214e774a0d8/Russo_Q4PensionCampaign_2026","type":"image","updatedAt":"2026-11-08T11:42:53Z","width":9517},"promoLabel":{"body":"Offer","labelType":"commercial"},"promoText":"Open your ING Pension Invest account with no €45 opening fee and receive a bonus of €50 to €3,000.","subtitle":"Want to get your pension sorted? Time is one of your biggest advantages. So start today. Take the ING Pension Check and discover what’s possible.","title":"Make time work for your retirement"},"cta":{"componentType":"cta","textLink":{"text":"Take the Pension Check","url":"https://mijn.ing.nl/investments/pension-hub?EW=true"}},"secondaryCta":{"textLink":{"text":"Now extra pension benefits","url":"/en/personal/investing/investments-at-ing/pension-invest-bonus-2026"}},"uspsTitle":"How is your pension looking?"},"publishDate":"2026-11-09T07:30:00.111+01:00"}}