AOW Pension Calculator Netherlands — SVB AOW 2026

This AOW pension calculator for the Netherlands estimates your monthly SVB AOW payment for 2026. The AOW — Algemene Ouderdomswet — is the Dutch state pension paid by the SVB (Sociale Verzekeringsbank) to everyone who reaches the AOW age of 67. Unlike workplace pensions, the AOW amount depends on how many years you lived or worked in the Netherlands, not on how much you earned.

You build up 2% of the full AOW pension per year you lived in the Netherlands between age 15 and 67 — up to a maximum of 50 years (100%). A full single-person AOW in the Netherlands is approximately €1,570/month gross in 2026. Each year spent abroad without Dutch insurance reduces that by 2%. Expats and people who worked across borders should check their SVB AOW build-up via Mijn SVB to see if any years can be bought back.

The AOW pension also includes an 8% annual holiday allowance (vakantiegeld), paid each May by the SVB. This calculator shows your estimated monthly gross AOW, your holiday supplement, and your approximate pension start date — useful for retirement planning whether you are a Dutch national, an expat in the Netherlands, or a former resident living abroad.