{"type":"document","data":{"id":"2414ca48-db77-4673-baf4-4ecf92e32f04","localeString":"en-GB","publishDate":"2026-03-19T13:51:16.850+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":true,"noFollow":true},"description":"Annual Margin calculation"},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"http://www.belastingdienst.nl/rekenhulpen/lijfrentepremie/","text":"Calculate your annual margin"}},"coreHeader":{"body":"Your annual allowance is the maximum amount of contributions and premiums for an annuity product that you may deduct from your taxes in a year. Each year, you may deduct your contributions to the Pension Savings Account up to a maximum of your annual allowance. If you also have unused annual allowance, this provides you with an additional deduction.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/3283c731-61b0-403e-93c6-029830a8bd52/Young-tattooed-man-in-bowler-hat-plays-mini-golf-with-friends","type":"image","width":6000,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/7ecd801593e8196d/original/Young-tattooed-man-in-bowler-hat-plays-mini-golf-with-friends.jpg","extension":"jpg"},"title":"Calculate Annual Allowance"},"backLink":{"textLink":{"url":"/en/personal/savings","text":"Savings"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>It is possible that you do not use all of your annual allowance in a given year. The total of these unused annual allowances from the past 10 years is your annual margin. Annual Margin gives you an extra deduction in a year in addition to your annual allowance. You can deposit this amount into a bank savings product, for example your ING Pension Savings Account. You can claim the amount you save as a deduction on your tax return, as long as this amount is equal to or less than your annual allowance. To find out how much you are allowed to save this year, you need your income and pension details for 2025. You can find these at:</p><p> </p><ul><li>Your annual statement for 2025</li><li>Your pension overview for 2025</li><li>Your tax return for 2025</li></ul>"}},{"componentType":"linkList","iconTitle":{"title":"Saving"},"textLinks":[{"url":"/particulier/sparen/niet-meer-te-openen-spaarrekeningen/niet-actieve-spaarproducten","text":"Unavailable savings accounts"},{"url":"/particulier/sparen/meer-dan-sparen","text":"More than just saving"},{"url":"/particulier/sparen/renteberekening-op-je-spaarrekening","text":"Current savings rates"}]}]}}}