{"type":"document","data":{"id":"f46f4993-af73-4889-9518-e386179f3a0f","localeString":"en-GB","publishDate":"2026-03-25T10:33:16.818+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"When you can retire depends on how much pension you have already acquired and how much you need. But what else can you do about this yourself?"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Have you ever thought about when you’d like to retire? It depends partly on your retirement age, of course, but what exactly is that? This page is an English translation of the original Dutch version.*","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/2eba5bc7-a807-43a9-8966-64c850938d2d/Rear-view-of-two-people-sitting-in-front-of-building","type":"image","width":5700,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/2a1073e06d7ffdbf/original/Rear-view-of-two-people-sitting-in-front-of-building.jpg","extension":"jpg"},"title":"When can you retire?"},"backLink":{"textLink":{"url":"/en/personal/pension/pension","text":"Pension"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Retirement age"},{"componentType":"paragraph","richBody":{"value":"<p>Many people associate retirement age with their state pension age. Whilst the point at which you start receiving your state pension does affect your retirement age, you actually decide for yourself when to retire. Whether you opt for early retirement or continue working until you reach state pension age, make sure you know where you stand regarding when you wish to retire. </p>"}},{"componentType":"sectionTitle","title":"State pension age"},{"componentType":"paragraph","richBody":{"value":"<p>When you start receiving your state pension is based on life expectancy in the Netherlands. Your exact state pension age is only confirmed five years before you reach it; before then, you can make an estimate. </p><p><a href=\"https://www.svb.nl/en/aow-pension/aow-pension-age/your-aow-pension-age\">Calculate your state pension age at SVB.nl </a> </p>"}},{"componentType":"sectionTitle","title":"Retiring early?"},{"componentType":"paragraph","richBody":{"value":"<p>Would you like to know how you can use your assets to top up your pension or to stop working earlier? Our advisors are on hand to discuss your options with you in a free video call. Within 15–30 minutes, you’ll know where you stand, free of charge and non-binding. </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>"}},{"componentType":"cta","textLink":{"url":"/en/personal/savings-and-investing/afspraak-vermogen-en","text":"Make an appointment"}},{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"How much pension will you receive?","intro":"Your pension is made up of various components. Find out here what these might be.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c87a89c9-a230-4d37-8002-17b03412e316/Elderly-woman-sitting-next-to-a-tree-on-the-ground-behind-her-laptop","type":"image","width":6000,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/54577758633120d1/original/Elderly-woman-sitting-next-to-a-tree-on-the-ground-behind-her-laptop.jpg","extension":"jpg"},"link":{"url":"/particulier/pensioenen/hoeveel-pensioen-krijg-je-straks"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Avoid pension gap","intro":"Is there a difference between your expected and actual pension? Read all about pension gaps here.","image":{"transformBaseUrl":"https://assets.ing.com/transform/0f0ce94c-c258-466d-905d-c44d2c437376/1338651934","type":"image","width":5195,"original":"https://assets.ing.com/m/bb263852970605e/original/1338651934.jpg","extension":"jpg"},"link":{"url":"/particulier/pensioenen/voorkom-een-pensioengat"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Supplementing your pension","intro":"You have various options for topping up your pension yourself. Find out here what you can do.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a27f8ad5-1fbc-41c1-a436-a73554dcbbf5/Senior-woman-playing-hopscotch-while-husband-watching-her","type":"image","width":6975,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/385a2ce30901722f/original/Senior-woman-playing-hopscotch-while-husband-watching-her.jpg","extension":"jpg"},"link":{"url":"/en/personal/pension/supplementing-your-pension"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Retiring early","intro":"Retiring early requires some preparation and insight. Find out what you can do.","image":{"transformBaseUrl":"https://assets.ing.com/transform/67557317-113d-43cb-9eff-3c6e77c47d59/ProductPage_Personal_PensionCompany-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/3f7975ee82dc34ce/original/ProductPage_Personal_PensionCompany-1920.jpg","extension":"jpg"},"link":{"url":"/en/personal/pension/retiring-early"}}]},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Unable to make a phone or video call? No problem, you can visit one of our <a data-type=\"internal\" href=\"/particulier/klantenservice/bankzaken-beginnen-of-beeindigen/geldautomaat-of-kantoor-zoeken\">offices or service points</a> to schedule an appointment right away.</span></span></span></p>"}}]}}}